Next Recovery Actions
Frontend workflow controls for the selected event. These do not execute an engine or create approved official output.
Active triggers
7
Watch, warning, breach, and severe states
Breaches requiring action
3
Action pending or escalated
Actions in progress
4
Internal recovery options under review
Escalations pending
2
ALCO / Executive follow-up
Evidence gaps
9
Policy, source, and approval evidence needed
Recovery plan status
Blocked
Official export and communication blocked
Active Recovery Workflow
A trigger-driven path from early warning to owner action, evidence, escalation, approval, Board / NBE pack preparation, and follow-up.
Current next actionAttach deposit category source schedule
What should management do next for LCR stress watch?
Current triggerLCR stress watch
Attach deposit category source schedule
Management layerLevel 1: Treasury / Risk owner
Escalates when the owner cannot close the blocker or the severity increases.
GuardrailImpact remains blocked
Recovery impact is `IMPACT_NOT_COMPUTED` until verified source data, method, policy, and approval evidence exist.
1Breach
Trigger detectedConfirm metric, source module, and severity
- Owner
- Source module owner
- Output
- Trigger event opened
2Action pending
Owner acknowledgementAcknowledge event and assign checker
- Owner
- Treasury / Risk owner
- Output
- Named owner and next action
3Evidence needed
Evidence collectionAttach source, rule, and management evidence
- Owner
- Risk Control
- Output
- Source schedules and policy reference
4Internal review
Option shortlistSelect feasible management actions
- Owner
- ALCO Secretariat
- Output
- Recovery action shortlist
5IMPACT_NOT_COMPUTED
Impact assessmentKeep impact blocked until data and method pass
- Owner
- Risk Analytics
- Output
- Impact status and blockers
6Escalated
Management approvalRoute to required management layer
- Owner
- CFO / CRO / ALCO
- Output
- Maker-checker and committee decision
7Blocked
Board / NBE packPrepare pack; official communication requires approval
- Owner
- Board Secretariat / Compliance
- Output
- Internal pack only
8Open
Follow-up logTrack updates, decisions, and unresolved blockers
- Owner
- Recovery owner
- Output
- Action log and evidence hash
Trigger FrameworkBreach MonitorRecovery Options LibraryAction PlaybooksEscalation MatrixImpact AssessmentEvidence & ApprovalsRecovery Event LogBoard / NBE Pack
Focused reviewAction Playbooks
This section is surfaced first for management review. It remains part of the same recovery planning workflow.
Action Playbooks
If-this-then-that management workflows. Timing and formal escalation rules remain bank-policy inputs.
| Condition | Step 1 | Step 2 | Step 3 | Guardrail |
|---|---|---|---|---|
| If LCR watch | Treasury ALM reviews source cashflows. | Owner acknowledges. | Evidence note created. | NEEDS_BANK_POLICY for timing and escalation rule. |
| If LCR breach | ALCO reviews liquidity options. | Recovery action shortlist required. | Source and factor evidence attached. | NEEDS_BANK_POLICY for breach timing and committee cadence. |
| If severe | Executive/Board recovery pack prepared. | Regulator communication readiness reviewed. | Open blockers remain visible. | NEEDS_BANK_POLICY for legal timeline and communication protocol. |
Trigger Framework
Early-warning and breach indicators with owners, escalation path, and evidence status. Thresholds are bank-policy inputs, not invented values.
| Indicator | Source module | Watch threshold | Breach threshold | Severe threshold | Owner | Escalation path | Evidence status |
|---|---|---|---|---|---|---|---|
| Capital trigger | Capital Adequacy | Bank policy needed. | Bank policy needed. | Bank policy needed. | Finance Control | Treasury / Risk owner -> CFO / CRO / ALCO | NEEDS_BANK_POLICY |
| Liquidity trigger | ALM / Liquidity | Bank policy needed. | Bank policy needed. | Bank policy needed. | Treasury ALM | Treasury owner -> ALCO | NEEDS_RULE_EVIDENCE |
| LCR trigger | LCR / NSFR | Bank policy needed. | Bank policy needed. | Bank policy needed. | Treasury Liquidity | Treasury owner -> ALCO -> Executive | NEEDS_BANK_POLICY |
| ALM mismatch trigger | ALM / Liquidity | Bank policy needed. | Bank policy needed. | Bank policy needed. | Treasury ALM | Treasury owner -> CFO / CRO / ALCO | NEEDS_BANK_POLICY |
| Deposit outflow trigger | Data Harmonizer / ALM | Bank policy needed. | Bank policy needed. | Bank policy needed. | Retail / Treasury | Treasury owner -> ALCO | NEEDS_RULE_EVIDENCE |
| FX/NOP trigger | Market / FX | Bank policy needed. | Bank policy needed. | Bank policy needed. | Treasury Markets | Treasury owner -> CFO / CRO | NEEDS_BANK_POLICY |
| Credit RWA trigger | Credit Risk | Bank policy needed. | Bank policy needed. | Bank policy needed. | Credit Risk | Risk owner -> Credit Committee -> ALCO | NEEDS_RULE_EVIDENCE |
| Operational loss trigger | Operational Risk | Bank policy needed. | Bank policy needed. | Bank policy needed. | Operational Risk | Operational Risk -> Executive | UNKNOWN_RULE_REFERENCE |
UNKNOWN_RULE_REFERENCEOperational loss trigger remains explicitly unverified.
Operational loss trigger evidence is held as unknown until the bank supplies official operational-risk policy, source schedules, and reviewed rule evidence.
Breach Monitor
Current and potential recovery events with next action, owner, source module, scenario, and escalation level.
| Trigger | Current status | Source module | Linked scenario | Owner | Time since trigger | Next action | Escalation level | Open event |
|---|---|---|---|---|---|---|---|---|
| LCR stress watch | Watch | LCR / NSFR | LCR 30-Day Outflow Stress | Treasury Liquidity | 2h 15m | Attach deposit category source schedule | Level 1: Treasury / Risk owner | Open event |
| ALM cumulative mismatch breach | Breach | ALM / Liquidity | Liquidity Rollover Stress | Treasury ALM | 1d 4h | Prepare liquidity recovery action shortlist | Level 2: CFO / CRO / ALCO | Open event |
| Capital adequacy headroom pressure | Warning | Capital Adequacy | Severe Credit + FX Shock | Finance Control | 6h 40m | Confirm RWA and capital component evidence | Level 2: CFO / CRO / ALCO | Open event |
| FX NOP limit usage | Watch | Market / FX | FX NOP stress | Treasury Markets | 3h 05m | Review open position source and hedge action | Level 1: Treasury / Risk owner | Open event |
| Deposit outflow stress | Severe | ALM / Liquidity | LCR 30-Day Outflow Stress | Treasury Liquidity | 45m | Escalate funding option review | Level 3: CEO / Executive Management | Open event |
| Credit RWA growth | Warning | Credit Risk | Severe Credit + FX Shock | Credit Risk | 8h 10m | Attach RW/CCF evidence and risk-weight mapping | Level 1: Treasury / Risk owner | Open event |
| Operational loss event | Action pending | Operational Risk | Operational Loss Event | Operational Risk | 1d 2h | Collect incident evidence and loss event support | Level 2: CFO / CRO / ALCO | Open event |
Recovery Options Library
Governed management actions grouped by capital, liquidity, deposits, FX, operational response, and communication.
| Group | Action | Expected impact | Time to execute | Owner | Preconditions | Evidence needed | Approval required | Impact status | Actions |
|---|---|---|---|---|---|---|---|---|---|
| Capital actions | Retain earnings | Capital headroom support | NEEDS_BANK_POLICY | Finance Control | Board distribution policy | Capital source schedule | Board approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Capital actions | Raise capital | Capital base uplift | NEEDS_BANK_POLICY | Executive Management | Capital plan and investor process | Board pack and source evidence | Board approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Capital actions | Reduce dividend/distribution | Retain capital buffer | NEEDS_BANK_POLICY | Finance Control | Distribution policy | Board evidence | Board approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Capital actions | Reduce RWA growth | Lower capital pressure | NEEDS_BANK_POLICY | Credit Risk | Credit committee action | Exposure and RWA evidence | Credit Committee / ALCO | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Capital actions | Sell/restructure high-RWA assets | Capital ratio support | NEEDS_BANK_POLICY | Credit Risk | Asset sale feasibility | Portfolio evidence | Executive approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Liquidity actions | Sell or repo HQLA | Liquidity buffer increase | NEEDS_BANK_POLICY | Treasury Liquidity | Eligible HQLA evidence | HQLA source schedule | ALCO approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Liquidity actions | Draw interbank funding | Short-term funding increase | NEEDS_BANK_POLICY | Treasury Markets | Counterparty limit available | Funding evidence | Treasury checker | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Liquidity actions | Activate backup funding line | Contingent liquidity | NEEDS_BANK_POLICY | Treasury Liquidity | Facility agreement available | Legal / facility evidence | Executive approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Liquidity actions | Increase deposit retention action | Deposit stability support | NEEDS_BANK_POLICY | Retail / Treasury | Pricing policy approval | Top depositor list | ALCO approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Liquidity actions | Slow new loan disbursement | Liquidity outflow reduction | NEEDS_BANK_POLICY | Credit / Treasury | Credit committee approval | Pipeline evidence | Credit Committee | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Deposit run actions | Monitor top depositors | Early withdrawal visibility | NEEDS_BANK_POLICY | Treasury Liquidity | Top depositor source | Depositor concentration extract | Treasury review | Configured only — not computed Missing source data · Method evidence required | |
| Deposit run actions | Contact relationship managers | Client retention action | NEEDS_BANK_POLICY | Retail Banking | Contact protocol | RM action log | Business owner approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Deposit run actions | Raise deposit retention pricing | Deposit outflow mitigation | NEEDS_BANK_POLICY | Retail / Treasury | Pricing policy approval | Pricing note | ALCO approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Deposit run actions | Activate liquidity buffer | Immediate cash support | NEEDS_BANK_POLICY | Treasury Liquidity | Buffer evidence | HQLA schedule | ALCO approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Deposit run actions | Prepare ALCO funding action | Governed funding decision | NEEDS_BANK_POLICY | ALCO Secretariat | ALCO agenda | Management pack | ALCO approval | Configured only — not computed Missing source data · Method evidence required | |
| FX actions | Reduce open position | Lower NOP pressure | NEEDS_BANK_POLICY | Treasury Markets | Open position source | FX position extract | Treasury checker | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| FX actions | Hedge exposure | Mitigate currency risk | NEEDS_BANK_POLICY | Treasury Markets | Hedge policy and limit | Hedge ticket evidence | Treasury / Risk approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| FX actions | Rebalance FCY assets/liabilities | Reduce currency mismatch | NEEDS_BANK_POLICY | Treasury Markets | Balance sheet action plan | FX source schedules | ALCO approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Operational actions | Activate incident response | Contain operational event | NEEDS_BANK_POLICY | Operational Risk | Incident protocol | Incident evidence | Operational Risk approval | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Operational actions | Contain loss event | Limit financial impact | NEEDS_BANK_POLICY | Operational Risk | Loss event evidence | Loss support schedule | Executive review | IMPACT_NOT_COMPUTED Missing source data · Method evidence required | |
| Operational actions | Escalate operational resilience action | Business continuity action | NEEDS_BANK_POLICY | GRC / Resilience | BCP policy | Resilience evidence | Executive approval | Configured only — not computed Missing source data · Method evidence required | |
| Communication actions | Prepare ALCO note | Committee review readiness | NEEDS_BANK_POLICY | ALCO Secretariat | Trigger summary | Evidence pack | ALCO chair | Configured only — not computed Missing source data · Method evidence required | |
| Communication actions | Prepare Executive note | Management decision readiness | NEEDS_BANK_POLICY | Executive Office | Escalation evidence | Executive pack | CEO / Executive approval | Configured only — not computed Missing source data · Method evidence required | |
| Communication actions | Prepare Board pack | Board risk review readiness | NEEDS_BANK_POLICY | Board Secretariat | Board agenda | Board pack evidence | Board approval | Configured only — not computed Missing source data · Method evidence required | |
| Communication actions | Prepare regulator communication pack | Regulator communication readiness | NEEDS_BANK_POLICY | Compliance | Bank-approved communication policy | Communication evidence | Bank approval required | Configured only — not computed Missing source data · Method evidence required |
Escalation Matrix
Management layers, decision rights, evidence requirements, and policy-dependent timing.
| Management layer | Activation condition | Owner | Decision required | Evidence required | Time limit / policy status |
|---|---|---|---|---|---|
| Level 0: Normal monitoring | No trigger or only routine watch signal | Module owner | Monitor and retain evidence | Dashboard evidence and source status | Bank policy needed. |
| Level 1: Treasury / Risk owner | Watch or warning status | Treasury / Risk owner | Acknowledge and attach source evidence | Source schedule, management note | NEEDS_BANK_POLICY |
| Level 2: CFO / CRO / ALCO | Breach or repeated warning | CFO / CRO / ALCO | Select recovery option shortlist | Impact evidence, options note, ALCO minutes | NEEDS_BANK_POLICY |
| Level 3: CEO / Executive Management | Severe or unresolved breach | CEO / Executive Management | Approve management action | Executive pack, owner timeline, blocker list | NEEDS_BANK_POLICY |
| Level 4: Board / Board Risk Committee | Material severe event or policy trigger | Board / Board Risk Committee | Approve Board-level recovery package | Board pack and approval trail | NEEDS_BANK_POLICY |
| Level 5: Regulator communication package | Bank-approved regulator communication condition | Compliance / Executive | Prepare communication package | Approved communication note and evidence pack | NEEDS_BANK_POLICY |
Impact Assessment
Action impact table. Missing models and source schedules remain visible instead of becoming fabricated values.
| Action | Baseline metric | Expected post-action metric | Delta | Computation status | Evidence status | Owner | Approval status |
|---|---|---|---|---|---|---|---|
| Sell or repo HQLA | LCR / liquidity buffer | Configured only — not computed | IMPACT_NOT_COMPUTED | Missing source data | NEEDS_RULE_EVIDENCE | Treasury Liquidity | ALCO approval needed |
| Activate backup funding line | Liquidity gap | Configured only — not computed | IMPACT_NOT_COMPUTED | Missing source data | NEEDS_BANK_POLICY | Treasury Liquidity | Executive approval needed |
| Reduce RWA growth | Credit RWA / CAR | Configured only — not computed | IMPACT_NOT_COMPUTED | Missing source data | NEEDS_RULE_EVIDENCE | Credit Risk | Credit Committee approval needed |
| Hedge exposure | FX NOP | Configured only — not computed | IMPACT_NOT_COMPUTED | Missing source data | NEEDS_BANK_POLICY | Treasury Markets | Treasury checker needed |
| Contain loss event | Operational loss / capital | Configured only — not computed | IMPACT_NOT_COMPUTED | Missing source data | UNKNOWN_RULE_REFERENCE | Operational Risk | Executive review needed |
IMPACT_NOT_COMPUTEDConfigured only — not computed
Recovery action impact requires source schedules, verified formulas or bank policy, and approval evidence before it can be used in management decisions.
Evidence & Approvals
Evidence state for source data, policy reference, management ownership, reviewer, ALCO, and Board approval.
| Evidence area | Requirement | Status | Owner | Approval status |
|---|---|---|---|---|
| Source data evidence | Missing raw source schedule for linked workpaper | Evidence needed | Module owner | REVIEW_REQUIRED |
| Policy reference | Thresholds and escalation timing require bank policy | NEEDS_BANK_POLICY | Risk Policy | BLOCKED |
| Management owner | Named owner required for action execution | Assigned per event | ALCO Secretariat | INTERNAL_REVIEW |
| Reviewer | Independent checker must review action and evidence | Checker needed | Finance / Risk Control | PENDING |
| ALCO approval | Required for material recovery action selection | Pending | ALCO | BLOCKED |
| Board approval | Required where bank policy triggers Board review | Policy needed | Board Secretariat | NEEDS_BANK_POLICY |
Internal approval scopeApproval here supports internal recovery planning.
It does not make underlying risk numbers official unless source/rule evidence is verified.
Recovery Event Log
Audit-oriented event register with owner, selected action, status, timestamps, and evidence hash.
| Event ID | Trigger | Scenario | Owner | Action selected | Status | Created time | Last update | Evidence hash | Open event |
|---|---|---|---|---|---|---|---|---|---|
| REC-2026-031 | LCR stress watch | LCR 30-Day Outflow Stress | Treasury Liquidity | Action shortlist pending | Evidence needed | May 22, 2026 09:10 | May 22, 2026 10:45 | pending-source-hash | Open event |
| REC-2026-032 | ALM cumulative mismatch breach | Liquidity Rollover Stress | Treasury ALM | Liquidity recovery action | Escalated | May 21, 2026 14:20 | May 22, 2026 08:30 | pending-alco-evidence | Open event |
| REC-2026-033 | Credit RWA growth | Severe Credit + FX Shock | Credit Risk | Reduce RWA growth | Action pending | May 22, 2026 07:15 | May 22, 2026 09:25 | pending-rw-evidence | Open event |
| REC-2026-034 | Operational loss event | Operational Loss Event | Operational Risk | Activate incident response | Impact not computed | May 21, 2026 16:05 | May 22, 2026 10:10 | pending-loss-event-source | Open event |
| REC-2026-035 | Deposit outflow stress | LCR 30-Day Outflow Stress | Treasury Liquidity | Escalate funding option review | Escalated | May 22, 2026 10:05 | May 22, 2026 10:50 | pending-deposit-outflow-evidence | Open event |
Board / NBE Pack
Internal pack structure for management review. Official communication requires bank approval.
| Pack section | Content | Owner | Status |
|---|---|---|---|
| Trigger summary | Material trigger state, severity, owner, time since trigger | ALCO Secretariat | Evidence needed |
| Metrics affected | Capital, liquidity, LCR, ALM, FX, credit, operational metrics | Module owners | Source lineage needed |
| Actions considered | Available recovery options and preconditions | Recovery owner | Impact evidence needed |
| Recommended action | Management-selected action with rationale | ALCO / Executive | Approval pending |
| Owner and timeline | Named action owner and execution timeline | Action owner | NEEDS_BANK_POLICY |
| Evidence gaps | Source schedules, rule evidence, management notes | Risk Control | Open blockers |
| Approval status | Maker-checker, ALCO, Executive, Board status | Governance | Blocked |
| Open blockers | Missing source data, policy evidence, approval evidence | Compliance | OFFICIAL_EXPORT_BLOCKED |
Internal pack onlyOfficial communication requires bank approval.
Selected event: LCR stress watch. Pack preparation remains blocked until evidence gaps, source lineage, and approvals are complete.
Prepare internal packInternal pack only.
Review pack blockersOpen evidence gaps remain visible.
Attach approval noteFrontend note only; no approval is granted.
Mark communication blockedNo NBE communication is sent.
Recovery Guardrails
The workflow is intentionally explicit about policy, source, and approval gaps.
Regulatory contextSBB/93/2025 noted only as contextDetailed legal requirements, thresholds, and timelines require verified bank/NBE evidence.
IMPACT_NOT_COMPUTEDNo fake action impactAction impact remains unavailable until source data and approved methods are present.
NEEDS_BANK_POLICYThresholds and timing are not inventedTrigger limits, escalation timing, and approval cadence must come from bank policy.
OFFICIAL_EXPORT_BLOCKEDInternal pack onlyBoard/NBE pack content is preparatory and requires bank approval before official communication.