The following scenarios may be regarded as indicators of circumstances in which a credit institution may be considered as being subject to stress:

1. (a)

   the run-off of a significant proportion of its retail deposits;

2. (b)

   a partial or total loss of unsecured wholesale funding capacity, including wholesale deposits and other sources of contingent funding such as received committed or uncommitted liquidity or credit lines;

3. (c)

   a partial or total loss of secured, short-term funding;

4. (d)

   additional liquidity outflows as a result of a credit rating downgrade of up to three notches;

5. (e)

   increased market volatility affecting the value of collateral or its quality or creating additional collateral needs;

6. (f)

   unscheduled draws on liquidity and credit facilities;

7. (g)

   potential obligation to buy-back debt or to honour non-contractual obligations.