(a) Deterioration of return on financing assets leading to a reduction in cash inflows;

(b) Price shocks for specific asset categories (for example, fire sales and significant mark-to-market losses) resulting in the drying up of liquidity for such assets;

(c) Reduction of eligible high quality liquid assets ('HQLA') due to issuer downgrades;

(d) Increase in bank's liquidity needs as a consequence of higher drawdown of committed financing facilities (for example, higher crystallisation of undrawn financing facilities);

(e) Additional posting of collateral or margin due to a downgrade of the bank's rating or adverse price movements; and

(f) Restricted access to secured or unsecured funding markets due to a deterioration in the bank's financial strength and rating.