4. Methodology for the identification of retail deposit products subject to higher outflows

4.1. Retail deposits should be grouped in three buckets of deposits subject to higher outflows on the basis of the number and riskiness of risk factors they meet, among those described in Part 2 of the Guidelines below. Nevertheless, the list of factors provided therein is non-exhaustive and

Page 11 of 29 institutions that identify additional criteria leading to higher outflows should include these in their analysis.

4.2. Institutions should estimate, for purposes of liquidity reporting, the appropriate higher outflows for each of these buckets in accordance with Part 3 of the Guidelines below.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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