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CBS-3 Corporate & SME Banking
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This chapter introduces AmBank’s critical business services for Corporate & SME Banking (CBS-3) through the lens of operational resilience. Corporate and SME clients form a cornerstone of AmBank’s business model, relying on the bank for continuous access to financing, payments, trade facilitation, and digital banking services that underpin daily commercial activity.
Disruptions to these services can have far-reaching impacts on businesses, supply chains, and market confidence. As such, understanding how Corporate & SME Banking services are structured, delivered, and supported is essential for assessing AmBank’s ability to prevent, withstand, and recover from operational disruptions.
The chapter provides a structured breakdown of CBS-3 Corporate & SME Banking into its detailed business processes (Sub-CBS), including lending, SME financing, cash management, trade finance, digital platforms, payments, risk management, compliance, and customer support.
Each Sub-CBS represents a distinct yet interdependent service capability that collectively enables AmBank to meet corporate and SME customer needs while maintaining regulatory compliance and service continuity.
By mapping these services clearly, the chapter establishes a foundational view of where operational risks may arise and how resilience measures can be targeted across people, processes, technology, and third-party dependencies.
Purpose of the Chapter
The purpose of this chapter is to clearly articulate the scope and composition of AmBank’s Corporate & SME Banking critical business services in support of an operational resilience framework.It is designed to help readers understand what constitutes a critical business service, how high-level services are decomposed into practical and manageable Sub-CBS, and why these processes are essential to maintaining continuity for corporate and SME customers during severe but plausible disruption scenarios.
This understanding serves as a prerequisite for subsequent chapters on dependency mapping, impact tolerances, scenario testing, and resilience enhancement.
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Table P1: Detailed Processes for CBS-3
|
Sub-CBS Code |
Name of Sub-CBS |
Description of Sub-CBS |
|
3.1 |
Corporate Lending |
Provision and management of credit facilities for corporate clients, including term loans, working capital financing, and structured financing. Involves credit assessment, approval, disbursement, monitoring, and repayment management. |
|
3.2 |
SME Financing & SME Amplify |
End-to-end SME financing solutions, including working capital loans, collateral-free financing, Pay As You Grow (PayG) loans, and portfolio guarantee schemes to support SME growth and resilience. |
|
3.3 |
Cash Management & Deposits |
Management of corporate and SME cash flows, including current accounts, deposit services, DuitNow payments, fund transfers, collections, and cash concentration services. |
|
3.4 |
Trade Finance & Supply Chain Solutions |
Facilitation of international and domestic trade through letters of credit, guarantees, documentary collections, supply chain finance and related trade facilities. This supports client import/export operations. |
|
3.5 |
Digital & Online Banking Platforms |
Delivery and support of digital banking channels for corporate/SME clients (e.g., AmAccess Corporate, AmAccess Biz, AmAccess Trade). Includes account access, payments, reporting, reconciliation, and digital onboarding. |
|
3.6 |
Relationship & Advisory Services |
Client engagement, including relationship management, business advisory, financial planning support, and customised solutions to enhance client growth and satisfaction. |
|
3.7 |
Risk & Credit Assessment |
Ongoing risk evaluation of corporate/SME portfolios, including credit scoring, limit setting, risk monitoring, and compliance with regulatory standards to maintain asset quality. (Standard banking practice) |
|
3.8 |
Payments & Settlement Services |
Execution and settlement of domestic and cross-border payments, bulk payments, payroll services, merchant services (POS/DuitNow QR), and reconciliation. |
|
3.9 |
Regulatory Reporting & Compliance |
Ensuring adherence to banking regulations, AML/KYC requirements, reporting to regulators, and audit functions supporting operational resilience. (Standard banking practice) |
|
3.10 |
Customer Support & Service Operations |
Front-line service for inquiries, issue resolution, account servicing, escalation management, and support continuity channels. (Essential operational support) |
Notes on Operational Resilience Context
- Digital & Online Banking Platforms (CBS-3.5) are critical for continuity, enabling clients to transact and access services remotely, including digital onboarding of SME accounts.
- Cash Management & Payments (CBS-3.3, CBS-3.8) ensure liquidity and daily operational functions for both corporate and SME clients.
- Risk & Compliance (CBS-3.7, CBS-3.9) are core to preventing operational failures due to credit losses or regulatory breaches.
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In conclusion, this chapter establishes a clear and structured baseline for analysing the operational resilience of AmBank’s Corporate & SME Banking services.
Defining and detailing the Sub-CBS underpinning CBS-3, it enables a consistent and regulator-aligned approach to identifying critical processes, assessing vulnerabilities, and prioritising resilience investments.
This foundation ensures that subsequent resilience activities are grounded in a comprehensive understanding of how Corporate & SME Banking services are delivered and sustained under both normal and disrupted operating conditions.
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Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.
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