7.2.3.2 Large Unexpected Payments
This assumption allows the introduction of unforeseen large payments in the usual working day. The large payments can be either receipts or obligations or both. The introduction of large payments suddenly within the bank’s payment system causes a scenario of liquidity stress whereby the bank has to arrange such funds in very short notice. The assumptions allows the user to specify the payment system affected, the time bucket at which the payment(s) is introduced, and the amount. The amounts introduced are included in the time buckets as specified in the assumption.
The following is an example of this assumption:
This example contains actual payments made through a particular payment system and the impact of the introduction of a large payment within the other payments.
Actual payments with time stamp are as follows:
Table 7-44 Actual payments with time stamp
| Payments made | Payment system | Time stamp | Time bucket - 15 minutes |
| 568 | PS 1 | 12:08 | 12:01-12:15 |
| 876 | PS 1 | 12:09 | 12:01-12:15 |
| 654 | PS 1 | 12:12 | 12:01-12:15 |
| 655 | PS 1 | 12:30 | 12:16-12:30 |
| 673 | PS 1 | 12:31 | 12:31-12:45 |
| 890 | PS 1 | 12:32 | 12:31-12:45 |
| 123 | PS 1 | 12:44 | 12:31-12:45 |
| 876 | PS 1 | 12:45 | 12:31-12:45 |