(a) Tightening of financing lines — the potential impact of liquidity stress on the solvency position arising from a higher cost of funding due to tightening of funding markets and loss in the value of marketable securities due to market illiquidity;

(b) Funding concentration — this assesses the liquidity risk of significant business activities and concentration to a particular source of funding such as large investment account holders, wholesale market funding or holdings of a particular asset class; and

(c) Withdrawal risk of investment account holders ('IAH') — this assesses the liquidity risk arising from honouring redemptions by investment account holders of unrestricted investment accounts at the level of individual funds in case of Islamic Windows.