(a) Rapid asset growth, especially when funded with potentially volatile liabilities;

(b) Growing concentrations on certain assets or liabilities or funding sources;

(c) Increasing currency mismatches;

(d) Increasing overall funding costs;

(e) Worsening cash-flow or structural liquidity positions as evidenced by widening negative maturity mismatches, especially in the short-term time bands (e.g. up to 1 month);

(f) A decrease in weighted average maturity of liabilities;

(g) Repeated incidents of positions approaching or breaching internal or regulatory limits;

(h) Negative trends or heightened risk, such as rising delinquencies or losses, associated with a particular business, product or activity;

(i) Significant deterioration in earnings, asset quality, and overall financial condition;

(j) Negative publicity;

(k) A credit rating downgrade;

(l) Stock price declines;

(m) Widening spreads on credit default swaps or senior and subordinated debt;

(n) Counterparties beginning to request additional collateral for credit exposures or to resist entering into new transactions to provide unsecured or longer dated funding;

(o) Reduction in available credit lines from correspondent banks;

(p) Increasing trends of retail deposit withdrawals;

(q) Increasing redemptions of certificates of deposit before maturity; and

(r) Difficulty in accessing longer-term funding or placing short-term liabilities (e.g. commercial paper).