[OR] [MBT] [E3] [CBS] [9] [ITo] Establish Impact Tolerances

CBS-9 Credit Card Issuing and Acquiring Services

Setting impact tolerances is a fundamental requirement in establishing operational resilience, as it defines the maximum level of disruption a critical business service can endure before causing intolerable harm to customers, reputational damage, regulatory breaches, or systemic instability.

For Metrobank, the Credit Card Issuing and Acquiring Services (CBS-9) represent a vital part of its retail and merchant banking ecosystem, directly supporting consumer credit access and merchant payment acceptance. Disruptions in these services can significantly affect customers’ ability to make and receive payments, merchant liquidity, and regulatory compliance with the Bangko Sentral ng Pilipinas (BSP) and global card network standards.

The following table establishes the impact tolerances for each Sub-Critical Business Service (Sub-CBS) under CBS-9, based on operational, customer, and regulatory perspectives. These tolerances are aligned with Metrobank’s enterprise-wide resilience framework, ensuring that each process has a defined Maximum Tolerable Downtime (MTD) and Maximum Tolerable Data Loss (MTDL), alongside an assessment of impact types, current resilience posture, and required actions to close any identified gaps.

Table P4: Establish Impact Tolerance for CBS-9

 

Defining impact tolerances for Metrobank’s Credit Card Issuing and Acquiring Services ensures that the bank can withstand and recover from severe disruptions without breaching regulatory obligations or losing customer confidence.

The impact tolerance levels—expressed in maximum tolerable downtime and data loss—serve as quantitative thresholds that guide scenario testing, resilience investment, and business continuity planning.

Metrobank’s resilience strategy for CBS-9 emphasizes real-time transaction continuity, fraud prevention, and regulatory compliance, recognizing that even short interruptions can have widespread effects on payment ecosystems, merchant operations, and consumer trust.

Ongoing reviews, coupled with stress testing and recovery simulations, will further ensure that the established tolerances remain fit-for-purpose, risk-aligned, and compliant with operational resilience expectations set by the Bangko Sentral ng Pilipinas (BSP) and international best practices.

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
eBook 3: Starting Your OR Implementation
CBS-9 Credit Card Issuing and Acquiring Services
CBS-9 DP	CBS-9 MD	CBS-9 MPR	CBS-9 ITo	CBS-9 SuPS	CBS-9 ST

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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