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[OR] [AUB] [E1] [C1] Introducing OR Case Study

Written by Dr Goh Moh Heng | Apr 3, 2026 10:02:20 AM

 eBook 1: Chapter 1

Introduction to the eBook Series – A Compliance-Driven Approach to Operational Resilience: Asia United Bank Corporation

Introduction

Operational resilience has emerged as a critical priority for financial institutions operating in increasingly complex, interconnected, and regulated environments.

For banks such as Asia United Bank Corporation (AUB), the ability to prevent, respond to, recover from, and adapt to disruptions is no longer optional—it is a regulatory expectation and a strategic imperative.

This eBook series, A Compliance-Driven Approach to Operational Resilience: Asia United Bank Corporation,” provides a structured, practical roadmap to help AUB align its operational resilience programme with regulatory expectations.

In particularly those outlined in the Bangko Sentral ng Pilipinas (BSP) guidelines, such as Circular No. 1203 on Operational Resilience.

This chapter serves as a summary of eBook 1: “Understanding Your Organisation”, which lays the foundational knowledge required before embarking on designing and implementing an operational resilience programme.

Purpose of Chapter

The purpose of this chapter is to:

  • Provide an overview of the organisational context of AUB
  • Establish a clear understanding of its operating environment and risk landscape
  • Introduce the key building blocks of operational resilience
  • Prepare stakeholders for the subsequent phases of planning and implementation

By grounding operational resilience in the realities of AUB’s business model, regulatory obligations, and service delivery structure, this chapter ensures that subsequent efforts are both relevant and effective.

Overview of eBook 1: Understanding Your Organisation

eBook 1 focuses on building a comprehensive understanding of AUB as an organisation. It recognises that operational resilience cannot be implemented in isolation—it must be anchored in how the bank operates, delivers services, and interacts with customers, regulators, and third parties.

The key components of this foundational eBook are summarised below.

Introduction to the Case Study of Asia United Bank Corporation

This section introduces AUB as a Philippine universal bank, highlighting its:

  • Core banking services (retail, corporate, treasury, digital banking)
  • Strategic focus on technology-driven banking solutions
  • Role within the Philippine financial ecosystem

It sets the stage for understanding why operational resilience is critical to maintaining financial stability, customer trust, and regulatory compliance.

 

Understanding Your Organisation: Asia United Bank Corporation

A detailed organisational profile of AUB is presented, including:

  • Business structure and key business units
  • Product and service offerings
  • Customer segments (retail, SME, corporate, institutional)
  • Delivery channels (branches, digital platforms, partner networks)

This section ensures that operational resilience initiatives are aligned with how value is created and delivered within the bank.

 

 Asia United Bank Corporation’s Operating Environment

AUB operates within a dynamic and highly regulated environment shaped by:

  • Regulatory oversight from the Bangko Sentral ng Pilipinas
  • Increasing reliance on digital banking and fintech ecosystems
  • Growing exposure to cyber threats and third-party dependencies
  • Customer expectations for 24/7 service availability

Understanding this environment is essential for identifying vulnerabilities and resilience priorities.

 

Composition of an Operational Resilience Team

This section outlines the establishment of a cross-functional Operational Resilience Team, typically comprising:

  • Business unit representatives
  • Risk management and compliance teams
  • IT and cybersecurity specialists
  • Business continuity and disaster recovery professionals
  • Third-party/vendor risk managers

The emphasis is on cross-functional collaboration, ensuring that resilience is embedded throughout the organisation rather than siloed.

 

Critical Business Services (CBS): Key Considerations for Operational Resilience

A central theme in operational resilience is the identification of Critical Business Services (CBS)—services whose disruption would have:

  • Significant impact on customers
  • Financial and reputational consequences
  • Regulatory implications

For AUB, typical CBS include:

  • Deposit and account services
  • Payments and funds transfer services
  • Digital banking platforms
  • Lending and credit services

This section introduces the concept that resilience should focus on end-to-end service delivery rather than on individual systems or functions.

Note to Philippines ReadersAs this is an international operational resilience training and certification course, the terminology of "Critical Operations" as per BSP policy is standardised as "Critical Business Services"  or CBS. 

 

 Key Characteristics of Asia United Bank Corporation

This section highlights the defining attributes of AUB that influence its resilience strategy:

  • Digital-first capabilities and innovation in payment systems
  • Integration with third-party providers and payment networks
  • Strong emphasis on customer-centric service delivery
  • Exposure to operational and cyber risks due to digitalisation

Understanding these characteristics helps tailor resilience strategies to the bank’s unique risk profile.

 

Establishing Organisational Goals for Operational Resilience

The final component of eBook 1 defines AUB’s strategic objectives for operational resilience, which typically include:

  • Ensuring continuity of critical services within defined impact tolerances
  • Enhancing the bank’s ability to withstand severe but plausible scenarios
  • Strengthening governance, accountability, and oversight
  • Achieving full compliance with BSP operational resilience requirements
  • Embedding a resilience culture across the organisation

These goals provide the direction and benchmarks for subsequent implementation efforts.

 

This introductory chapter consolidates the insights from eBook 1, “Understanding Your Organisation,” and establishes the critical foundation for AUB’s operational resilience journey.

By developing a deep understanding of Asia United Bank Corporation—its structure, operating environment, critical services, and strategic priorities—the organisation is better positioned to design and implement a resilience programme that is both practical and compliant.

As the series progresses into eBook 2: “Implementing Operational Resilience”, the focus will shift from understanding to action—translating these foundational insights into a structured planning methodology aligned with regulatory expectations and industry best practices.

Ultimately, this compliance-driven approach ensures that AUB is not only prepared to meet regulatory requirements set by the Bangko Sentral ng Pilipinas but is also in delivering consistent, reliable, and resilient banking services in the face of disruption.

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A Compliance-Driven Approach to Operational Resilience: Asia United Bank Corporation 

eBook 1: Understanding Your Organisation: Asia United Bank Corporation
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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.

 

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

To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course.

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