You are part of a risk management SG team, which comprises 4 to 5 members, in IIT Bank, a global bank headquartered in the United States. IIT Bank plans to apply for a full banking license to operate in Singapore.

Corporate & Small Medium Enterprise (SME) Banking

Business deposit accounts: Let customers enjoy the benefits and convenience of managing their cash with IIT Bank, including savings, current & fixed deposit accounts in different currencies

Personal Banking

Personal deposit accounts - including both Singapore dollar and foreign currencies savings, current and fixed deposit accounts.

Based on the personal deposit accounts and business deposits accounts in personal banking and Corporate & Small Medium Enterprise (SME) Banking, what are the sources of liquidity risk that IIT bank will face