Specific: unexpected loss of funds caused by counterparties

A FI might have expected inflows actually not coming in (a counterparty becomes
insolvent) thus causing an unexpected shortage of funds. On the other hand,
unexpected outflow might be caused by the decision of counterparty to subtract
funds (withdrawal of savings deposits during a run on a bank). Those factors are out
of control of the FI when they happen, nevertheless there is a certain possibility of
steering them in advance by selecting customers.