[OR] [AmB] [E3] [CBS] [3] [ITo] Establish Impact Tolerances

CBS-3 Corporate & SME Banking

In the evolving banking landscape, operational resilience is critical to ensure that essential banking services continue to function effectively, even during disruptions.

Establishing impact tolerances is a fundamental step in operational resilience, as it defines the maximum level of disruption a critical business service (CBS) can sustain before it affects customers, regulatory obligations, or the bank’s strategic objectives.

For CBS-3 Corporate & SME Banking, this exercise ensures that AmBank maintains service continuity for both corporate clients and SMEs, who rely heavily on financing, cash management, and trade services to operate smoothly.

This chapter focuses on setting appropriate impact tolerances for each sub-process (Sub-CBS) under Corporate & SME Banking. By defining thresholds for maximum tolerable downtime (MTD) and maximum tolerable data loss (MTDL), AmBank can identify vulnerabilities, prioritise mitigation strategies, and enhance overall resilience.

The table below presents the proposed impact tolerances, customer and regulatory considerations, current resilience status, and recommended actions for each Sub-CBS.

Table P4: Establish Impact Tolerance for CBS-3

Sub-CBS Code	Sub-CBS	Maximum Tolerable Downtime (MTD)	Maximum Tolerable Data Loss (MTDL)	Customer Impact	Regulatory Impact	Impact Type	Current Resilience Status	Action Required
3.1	Corporate Lending	24 hrs	1 hr	Highly delayed disbursements may affect corporate operations	High breaches in loan processing regulations	Financial & Operational	Moderate	Enhance backup systems and automate loan approval workflows
3.2	SME Financing & SME Amplify	48 hrs	4 hrs	Medium – SMEs may face temporary cash flow issues	Medium – compliance with SME financing guidelines	Financial	Moderate	Implement redundant processing channels and real-time monitoring
3.3	Cash Management & Deposits	12 hrs	30 mins	High – impacts liquidity and payment operations	High non-compliance with liquidity regulations	Financial & Operational	High	Strengthen real-time reconciliation systems and disaster recovery drills
3.4	Trade Finance & Supply Chain Solutions	24 hrs	1 hr	High delays in letters of credit and trade settlements	High – regulatory reporting for trade finance	Operational	Moderate	Establish alternate processing platforms and cross-train staff
3.5	Digital & Online Banking Platforms	4 hrs	15 mins	High – affects corporate online transactions	High regulatory expectations for digital banking uptime	Operational & Cyber	High	Upgrade cloud infrastructure and implement high-availability systems
3.6	Relationship & Advisory Services	48 hrs	4 hrs	Medium – delays in advisory support may affect client satisfaction	Low	Customer Experience	Moderate	Automate advisory tools and enhance CRM system resilience
3.7	Risk & Credit Assessment	24 hrs	1 hr	High delays in risk evaluation could affect lending decisions	High – regulatory reporting obligations	Operational & Regulatory	Moderate	Implement AI-assisted credit scoring and maintain backup risk models
3.8	Payments & Settlement Services	4 hrs	15 mins	Very High – delayed payments impact client operations and liquidity	High compliance with payment regulations	Financial	High	Maintain real-time settlement platforms and redundant payment channels
3.9	Regulatory Reporting & Compliance	48 hrs	0	High non-compliance penalties and reputational risk	Very High – regulatory fines and sanctions	Regulatory	Moderate	Automate reporting, maintain audit trails, and conduct compliance drills
3.10	Customer Support & Service Operations	12 hrs	N/A	High customer dissatisfaction and potential loss of clients	Medium – must meet service-level agreements	Customer Experience	High	Increase service redundancy and deploy multichannel support systems

Establishing clear impact tolerances for CBS-3 Corporate & SME Banking enables AmBank to quantify its risk exposure and operational limits during disruptions.

By defining MTD, MTDL, and associated customer and regulatory impacts, the bank can prioritise mitigation strategies, allocate resources efficiently, and maintain confidence among clients and regulators.

This proactive approach ensures that critical banking services, from corporate lending to digital banking platforms, remain resilient under adverse conditions.

Continuous monitoring, testing, and improvement of these impact tolerances will allow AmBank to not only meet regulatory expectations but also uphold its commitment to uninterrupted, high-quality service for corporate and SME clients.

Operational Resilience Framework: A Case Study of AmBank Malaysia
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CBS-3 Corporate & SME Banking
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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [3] [ITo] Establish Impact Tolerances

Operational Resilience Certified Planner-Specialist-Expert

CBS-3 Corporate & SME Banking

Table P4: Establish Impact Tolerance for CBS-3

More Information About OR-5000 [OR-5] or OR-300 [OR-3]

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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [3] [ITo] Establish Impact Tolerances

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Operational Resilience Certified Planner-Specialist-Expert

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Table P4: Establish Impact Tolerance for CBS-3

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CBS-3 Corporate & SME Banking