I know you are generalizing but there are times the yield curve is the other way and it is better to lend short and borrow long. But a well managed bank takes

I know you are generalizing but there are times the yield curve is the other way and it is better to lend short and borrow long. But a well managed bank takes care to duration(not maturity) match their assets and liabilities while also taking into account liquidity needs and buffers. Also, the above applies to use of their own capital as well.