The bank's management team should fully delegate critical stress testing responsibilities, such as setting objectives and defining scenarios, to experts in the risk management area.

The bank's business units should individually estimate the impacts of stress scenarios without considering interactions between their unit and others, to accurately estimate the true risk of each unit.

The bank should include scenarios in its stress tests featuring potential shocks to the bank's portfolio that have not occurred in the past.

The bank should not consider system-wide liquidity in its stress testing, as this issue is outside the intended scope of these tests