[BCM] [BT] [E4] [R] [BIA] [P2] Impact Area Of Business Functions for CBF-1 to CBF-8

CBF-1

[P2] Impact Area Of Business Functions

Management Report for Impact Area of Business Functions

This section identifies and analyses the impact areas associated with the disruption of key sub-functions under CBF-1 to CBF-8. Each sub-CBF is assessed for its financial, operational, and reputational implications.

The objective is to determine the level of criticality these sub-CBFs bear on the organisation’s Minimum Business Continuity Objective (MBCO) and to quantify potential monetary losses and cascading effects in the event of a disruption.

Through this structured assessment, Bandtree aims to prioritise recovery efforts and implement resilience strategies to safeguard business continuity and long-term value creation.

Table P2: Impact Area Of Business Functions for CBF-1 to CBF-8

CBF	Sub-CBF	Sub-CBF code	RTO	Impact Area	Financial Impact -Monetary Loss (Estimated)	Financial Impact - Calculation of Monetary Loss (State Formula for Calculations)	Impact on MBCO - Affect MBCO	Impact on MBCO - Impact	Remarks - Description
CBF-1	Operational Disruption	1.1	8-Hour	Operational Disruption	$50,000–200,000/ month	Cost of reactive repairs + downtime cost (area x rate x duration)	Yes	Interruptions can halt operations, negatively impacting tenant satisfaction and safety.	This function ensures regular maintenance to reduce the risk of equipment failure or facility closure.
CBF-1	Regulatory / Safety / Legal	1.5	4-Hour	Regulatory / Safety / Legal	$100,000–500,000/ incident	Fines + legal costs + injury claim + reputational damage	Yes	Non-compliance can lead to legal action, injury, and public scrutiny.	Ensures workplace safety and environmental standards.
CBF-1	Cost Efficiency / Sustainability	1.6	4-Hour	Cost Efficiency / Sustainability	$10,000–50,000/ month	Excess energy usage x cost per unit	Yes	Site shut-down & occupant safety.	Critical for business continuity.
CBF-1	Crisis Response / Continuity	1.7	4-Hour	Crisis Response / Continuity	$100,000–1,000,000/ event	Downtime cost + repair + business disruption	Yes	Increased casualty risk, reputation damage.	Fails to breach regulatory duty.
CBF-2	Assets, Systems, Processes	2.1	8-Hour	Assets, Systems, Processes	$35,000	Urgent repair costs (SGD 5k/ day ×7)	Engineering Services	Downtime & SLA breaches	Delays increase asset wear
CBF-2	People, Reputation, Legal	2.2	4-Hour	People, Reputation, Legal	$21,000	(Salaries SGD 2k/day ×7) + Breach fines SGD 7k	Security & Risk	Risk of unauthorised access	Non-availability raises liability
CBF-2	Processes, Financial (H), People	2.3	2-Hour	Processes, Financial (H), People	$28,000	(Utility cost SGD 3k/day ×7) + Operational loss SGD 7k	Site Ops	Site shut-down & occupant safety	Critical for business continuity
CBF-2	People, Reputation, Legal	2.4	1-Hour	People, Reputation, Legal	$14,000	Emergency team cost SGD 2k/ day ×7	Safety & Compliance	Increased casualty risk, reputation damage	Fails to breach regulatory duty
CBF-6	ICT Infrastructure Management	6.1	8-Hour	ICT Infrastructure Management	$80,000 - $300,000	Loss = (Cost of downtime per hour x Hours of outage) + Repair Cost	Yes	System downtime affects user productivity.	Critical for maintaining the uptime of servers, networks, and hardware.
CBF-6	Property Systems Application Support	6.2	4-Hour	Property Systems Application Support	$50,000 - $200,000	Loss = (Number of impacted users x Average cost per user x Hours of system downtime)	Yes	Disruption in property management applications. This impacts the access and processing of property-related data and transactions.	Not specified
CBF-6	Data Backup & Recovery	6.4	4-Hour	Data Backup & Recovery	$100,000 - $600,000	Loss = (Cost to restore data + Loss from data unavailability)	No	Prevents data loss and ensures business continuity.	Critical to restore operations after data loss or system failures.
CBF-6	Cybersecurity & Access Control	6.5	4-Hour	Cybersecurity & Access Control	$200,000 - $1,000,000	Loss = (Cost of breach + Regulatory fines + Reputational damage)	Yes	Potential data breaches, loss of trust, and regulatory penalties.	Protects sensitive data from unauthorised access and cyber threats.
CBF-8	Emergency Procurement	8.8	4-Hour	Operational / Financial Risk	$5,000 – $20,000	(Cost of emergency purchase) + (premium for expedited services)	Yes	Delays in activating emergency procedures can prolong disruptions	The inability to procure critical items quickly enough impacts recovery.

Summing Up ...

The identified sub-CBFs — each bearing varying degrees of impact on revenue, operations, legal compliance, and stakeholder confidence — demonstrate the interdependencies that exist across the organisation.

By understanding the potential financial losses, operational delays, and risks associated with disruptions in these processes, Bandtree is better positioned to allocate resources, define recovery priorities, and build effective mitigation and contingency plans.

This strategic clarity enhances the company’s preparedness and responsiveness in the face of crises, ensuring that essential financial and vendor-related functions continue to support the organisation’s mission and public trust.

Ultimately, this evaluation reinforces Bandtree’s commitment to resilience, governance, and service excellence across all facets of its financial operations.

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[P2] Impact Area Of Business Functions for CBF-1 to CBF-8

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