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

Written by Dr Goh Moh Heng | Apr 13, 2026 8:11:14 AM

 eBook 1: Chapter 1

Introduction — Understanding Philippine Trust Company

Introduction


This eBook series, “From Risk to Resilience: A Strategic Operational Resilience Framework for Philippine Trust Company”, presents a structured and practical approach to building operational resilience within Philippine Trust Company.

It is designed to guide financial institutions through a progressive journey—from understanding their organisational context to implementing resilience strategies and ultimately embedding operational resilience into day-to-day operations.

The series is organised into three interrelated eBooks:

  • Understanding Your Organisation
  • Implementing Operational Resilience
  • Starting Your Operational Resilience (OR) Implementation

This introductory chapter summarises the key insights from the first eBook, “Understanding Your Organisation”, which establishes the foundation for all subsequent operational resilience initiatives.

Purpose of eBook 1: Understanding Your Organisation

The first eBook serves as the foundation phase of the Operational Resilience (OR) framework. Before an organisation can design and implement resilience strategies, it must first gain a deep understanding of its:

  • Business model and strategic objectives
  • Internal capabilities and structure
  • External operating environment
  • Critical services and dependencies

For Philippine Trust Company, this phase is essential in aligning resilience initiatives with both business priorities and regulatory expectations, particularly those outlined in BSP Circular No. 1203 Series of 2024.

Overview of the Case Study: Philippine Trust Company

The case study introduces the Philippine Trust Company as a long-established banking institution operating in the Philippines, providing services such as:

  • Retail and commercial banking
  • Deposit and account services
  • Payments and fund transfers
  • Trust and fiduciary services

Understanding the organisation’s legacy, customer base, and service portfolio is critical in identifying what must be protected under an operational resilience program.

The case study sets the context by examining:

  • Organisational structure and governance
  • Core banking services and delivery channels
  • Customer segments and service expectations

This foundational understanding enables a more precise identification of critical business services (CBS) in later stages.

Understanding Your Organisation

A key theme in eBook 1 is developing a holistic understanding of the Philippine Trust Company. This includes:

  • Business Functions: Core revenue-generating and support functions
  • Service Delivery Channels: Branches, ATMs, digital banking platforms
  • Operational Capabilities: People, processes, technology, and third-party dependencies

This structured understanding supports the mapping of interdependencies, which is a core requirement in operational resilience frameworks globally and within BSP guidelines.

 Philippine Trust Company’s Operating Environment

Operational resilience must be contextualised within the organisation’s operating environment. For the Philippine Trust Company, this includes:

  • Regulatory Landscape: Compliance with Bangko Sentral ng Pilipinas (BSP) regulations, including operational resilience expectations
  • Economic Conditions: Exposure to domestic and regional economic fluctuations
  • Technological Evolution: Increasing reliance on digital banking and cybersecurity resilience
  • Threat Landscape: Operational disruptions such as cyberattacks, system failures, natural disasters, and third-party outages

Understanding these factors enables the organisation to anticipate severe but plausible scenarios that could disrupt critical services.

Composition of an Operational Resilience Team

A critical success factor identified in eBook 1 is the establishment of a cross-functional Operational Resilience Team. For the Philippine Trust Company, this team typically includes:

  • Senior management and executive sponsors
  • Risk management and compliance functions
  • IT and cybersecurity teams
  • Business unit representatives
  • Business continuity and crisis management specialists

The purpose of this team is to ensure enterprise-wide coordination, breaking down silos and aligning resilience efforts across all business units.

Critical Business Services: Key Considerations

A central concept introduced is the identification of Critical Business Services (CBS)—services whose disruption would have a significant impact on:

  • Customers
  • Financial stability
  • Regulatory compliance

For the Philippine Trust Company, examples of CBS typically include:

  • Deposit and account services
  • Payments and fund transfer services
  • ATM and digital banking services

In alignment with BSP Circular No. 1203 Series of 2024, the focus is on services delivered to customers, rather than internal processes alone. This marks a shift from traditional business continuity planning to a more customer-centric resilience approach.

 Key Characteristics of Philippine Trust Company

The eBook also highlights key organisational characteristics that influence resilience design:

  • Legacy Systems with Progressive Digitalisation
  • Branch-centric operations complemented by digital channels
  • Strong regulatory oversight and compliance culture
  • Dependence on third-party service providers for critical operations

These characteristics shape both the risk profile and the resilience strategy of the organisation.

Establishing Organisational Goals for Operational Resilience

The final component of eBook 1 focuses on defining clear operational resilience goals, which typically include:

  • Ensuring continuity of critical business services within defined impact tolerances
  • Enhancing incident response and recovery capabilities
  • Strengthening cyber resilience and technology risk management
  • Improving third-party risk oversight
  • Embedding resilience into organisational culture and governance

These goals provide the strategic direction for the next phase—implementation.

The first eBook, “Understanding Your Organisation”, lays the essential groundwork for operational resilience at Philippine Trust Company. By developing a comprehensive understanding of the organisation, its environment, and its critical services, the bank is better positioned to:

  • Identify vulnerabilities and interdependencies
  • Define impact tolerances
  • Prepare for severe but plausible disruptions

This foundational knowledge enables a smooth transition to the second eBook, “Implementing Operational Resilience”, where strategies, frameworks, and methodologies are translated into actionable initiatives.

Ultimately, operational resilience is not a one-time project but a continuous capability—and it begins with understanding the organisation in depth.

Blogs marked [x] are under construction

eBook 1: Understanding Your Organisation
C1 C2 [x] C3 [x] C4 [x]
C5 C6 [x] C7 [x] C8 [x]
           
 


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.

If you have any questions, click to contact us.