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

Written by Moh Heng Goh | Nov 11, 2025 2:23:08 AM

CBS-3 ATM and Branch Cash Services

In the context of Metrobank’s operational resilience strategy, setting appropriate impact tolerances for critical business services is essential for ensuring continuity and minimising disruptions to both customers and regulatory compliance.

The "Establish Impact Tolerance" process for CBS-3 ATM and Branch Cash Services is critical for identifying acceptable levels of disruption in key services, such as ATM cash withdrawals, branch cash withdrawals, cash deposits, and cash handling/replenishment.

Understanding the thresholds for maximum tolerable downtime (MTD) and maximum tolerable data loss (MTDL) for each service allows Metrobank to develop effective mitigation strategies and ensure regulatory compliance.

These thresholds also help prioritise resources during incidents, ensuring that the most critical functions receive attention first.

The following table summarises the impact tolerances for each Sub-CBS within the CBS-3 ATM and Branch Cash Services, including considerations for customer impact, regulatory requirements, and resilience status.

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	ATM Cash Withdrawal Services	4 hours	1 hour	High	High	Operational	Medium	Implement redundancy for ATM network. Improve monitoring and reporting.
3.2	Branch Cash Withdrawal Services	6 hours	2 hours	High	High	Operational	High	Enhance cash management processes. Ensure sufficient staff availability.
3.3	Cash Deposit Services	8 hours	1 hour	Moderate	Moderate	Operational	Low	Increase cash deposit options and ATMs. Ensure backup cash flow mechanisms.
3.4	Cash Handling and Replenishment	12 hours	3 hours	High	High	Operational	High	Review supply chain resilience. Ensure sufficient cash handling resources.
3.5	ATM Maintenance and Troubleshooting	24 hours	4 hours	High	Medium	Technical	Medium	Establish quicker response times for troubleshooting. Implement preventive maintenance programs.

The process of establishing appropriate impact tolerances for CBS-3 ATM and Branch Cash Services is crucial to ensuring that Metrobank can maintain service continuity, comply with regulatory standards, and minimize the effect of disruptions on customers.

By identifying the maximum tolerable downtime (MTD) and maximum tolerable data loss (MTDL) for each sub-service, Metrobank can prioritize resources, enhance resilience, and develop robust recovery strategies.

The actions outlined in the table provide a roadmap for improving operational efficiency and resilience across these critical services, helping to safeguard both customer trust and regulatory compliance.

Incorporating these impact tolerance measures will allow Metrobank to respond effectively to disruptions, ensuring that business-critical services are restored within acceptable timeframes and with minimal impact.

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
eBook 3: Starting Your OR Implementation
CBS-3 ATM and Branch Cash Services
CBS-3 DP	CBS-3 MD	CBS-3 MPR	CBS-3 ITo	CBS-3 SuPS	CBS-3 ST

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