find . -type f -name "*T2MAX_daily.nc" | while read -r f; do
    dir=$(dirname "$f")

    has_xsmtg=$(find "$dir" -maxdepth 1 -type f -name "*xsmtg_daily.nc" | grep -q . && echo yes || echo no)
    has_axsmtg=$(find "$dir" -maxdepth 1 -type f -name "*axsmtg_daily.nc" | grep -q . && echo yes || echo no)
    has_axwliq=$(find "$dir" -maxdepth 1 -type f -name "*AXWLIQ_daily.nc" | grep -q . && echo yes || echo no)

    if [[ "$has_xsmtg" == "yes" && "$has_axsmtg" == "yes" && "$has_axwliq" == "yes" ]]; then
        echo "$dir"
    fi
done | sort -u