Where a sub-factor or a sub-factor component has identical assessment criteria in two or more categories (‘overlapping criteria’), and the specialised lending exposure conforms to those overlapping criteria, institutions shall attribute a category to the sub-factor or sub-factor component as follows:
((a))
where overlapping criteria occur in two categories, institutions shall attribute the higher of the two categories;
((b))
where overlapping criteria occur in three categories, institutions shall attribute the category between the lowest and the highest of the three categories.