(a) the extent to which the interests of the market, its users and those who have a claim on the licensee would be best served by the cancellation or amendment of the license;

(b) the extent to which other regulatory penalties could reasonably be expected to achieve the Central Bank's desired supervisory objectives;

(c) the extent to which the licensee has contravened the conditions of its license and/or the CBB Law, including the seriousness, duration and/or frequency of the contravention(s) concerned, and the extent to which the contraventions reflect more widespread or systemic weaknesses in controls and/or management;

(d) the extent to which the licensee has been involved in financial crime or other criminal conduct; and

(e) the licensee's past compliance record and conduct following the contravention(s).