| The risks identified pose a 1 low level of risk to the viability of the institution. | • • • • • • • • | The institution’s business model and strategy do not raise concerns. The internal governance and institution-wide control arrangements do not raise concerns. The institution’s risks to capital and liquidity pose a non - material/a very low risk of a significant prudential impact. The composition and quantity of own funds held do not raise concerns. The institution’s liquidity position and funding profile do not raise concerns. No material concerns about the credibility and feasibility of the institution’s recovery plan. There is a low to medium level of concern about the institution’s business model and strategy. There is a low to medium level of concern about the institution’s governance or institution -wide control arrangements. |
| The risks identified pose a medium-low level of risk to 2 the viability of the institution. | • • • • • | There is a low to medium level of risk of a significant prudential impact caused by risks to capital and liquidity. There is a low to medium level of concern about the composition and quantity of own funds held. There is a low to medium level of concern about the institution ’ s liquidity position and/or funding profile. There is a low to medium level of concern about the credibility and feasibility of the institution’s recovery plan. There is a medium to high level of concern about the institution’s business model and strategy. |
| The risks identified pose a medium-high level of risk to 3 the viability of the institution. | • • | There is a medium to high level of concern about the institution’s governance or institution -wide control arrangements. There is a medium to high level of risk of a significant prudential impact caused by risks to capital and liquidity. |
| Score Supervisory view | • • • • • • | Considerations There is a medium to high level of concern about the composition and quantity of own funds held by the institution. There is a medium to high level of concern about the institution’s liquidity position and/or funding profile. There is a medium to high level of concern about the credibility and feasibility of the institution’s recovery plan There is a high level of concern about the institution’s business model and strategy. There is a high level of concern about the institution’s governance or institution-wide control arrangements. There is a high level of risk of a significant prudential impact |
| The risks identified pose a 4 high level of risk to the viability of the institution. | • • • | caused by risks to capital and liquidity. There is a high level of concern about the composition and quantity of own funds held by the institution. There is a high level of concern about the institution’s liquidity position and/or funding profile. There is a high level of concern about the credibility and feasibility of the institution’s recovery plan. |