BestBank S.CETB · Mar 31, 2026 · Unit: Millions
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OFFICIAL_EXPORT_BLOCKEDOfficial export is visibly blocked until approved rules, approved maps, non-virtual lineage, approved baseline, and validation pass.

Recovery Planning

Trigger-driven management workflow for early warning, escalation, recovery actions, evidence, and follow-up.

Internal recovery workflowOFFICIAL_EXPORT_BLOCKEDNEEDS_BANK_POLICY
Open Stress HandoffOpen Active Event
RECOVERY_PLANNING_ONLYRecovery planning supports internal management workflow. It does not create approved impact values or regulator communication until source evidence, policy evidence, lineage, and approvals pass.

Next Recovery Actions

Frontend workflow controls for the selected event. These do not execute an engine or create approved official output.

Current next actionAttach deposit category source scheduleSelected event: LCR stress watch
Attach evidenceCollect source schedule, policy, and management evidence.Assign ownerName the accountable owner and checker.EscalateMove the event to the relevant management layer.Add noteRecord a visible management follow-up note.Select recovery optionsShortlist feasible actions without computing unsupported impact.
Open Event Detail
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.

Open current event
Current next actionAttach deposit category source schedule

What should management do next for LCR stress watch?

Attach evidenceAssign ownerEscalateAdd noteSelect recovery options
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 detected

Confirm metric, source module, and severity

Owner
Source module owner
Output
Trigger event opened
Confirm trigger
2Action pending
Owner acknowledgement

Acknowledge event and assign checker

Owner
Treasury / Risk owner
Output
Named owner and next action
Acknowledge event
3Evidence needed
Evidence collection

Attach source, rule, and management evidence

Owner
Risk Control
Output
Source schedules and policy reference
Attach evidence
4Internal review
Option shortlist

Select feasible management actions

Owner
ALCO Secretariat
Output
Recovery action shortlist
Select recovery options
5IMPACT_NOT_COMPUTED
Impact assessment

Keep impact blocked until data and method pass

Owner
Risk Analytics
Output
Impact status and blockers
Request impact review
6Escalated
Management approval

Route to required management layer

Owner
CFO / CRO / ALCO
Output
Maker-checker and committee decision
Submit to ALCO
7Blocked
Board / NBE pack

Prepare pack; official communication requires approval

Owner
Board Secretariat / Compliance
Output
Internal pack only
Prepare internal pack
8Open
Follow-up log

Track updates, decisions, and unresolved blockers

Owner
Recovery owner
Output
Action log and evidence hash
Add follow-up update
Open stress scenarioOpen source workpaperOpen evidenceOpen action log
Trigger FrameworkBreach MonitorRecovery Options LibraryAction PlaybooksEscalation MatrixImpact AssessmentEvidence & ApprovalsRecovery Event LogBoard / NBE Pack
Focused reviewEvidence & Approvals

This section is surfaced first for management review. It remains part of the same recovery planning workflow.

Evidence & Approvals

Evidence state for source data, policy reference, management ownership, reviewer, ALCO, and Board approval.

Evidence areaRequirementStatusOwnerApproval status
Source data evidenceMissing raw source schedule for linked workpaperEvidence neededModule ownerREVIEW_REQUIRED
Policy referenceThresholds and escalation timing require bank policyNEEDS_BANK_POLICYRisk PolicyBLOCKED
Management ownerNamed owner required for action executionAssigned per eventALCO SecretariatINTERNAL_REVIEW
ReviewerIndependent checker must review action and evidenceChecker neededFinance / Risk ControlPENDING
ALCO approvalRequired for material recovery action selectionPendingALCOBLOCKED
Board approvalRequired where bank policy triggers Board reviewPolicy neededBoard SecretariatNEEDS_BANK_POLICY
Internal approval scopeApproval here supports internal recovery planning.

It does not make underlying risk numbers official unless source/rule evidence is verified.

Trigger Framework

Early-warning and breach indicators with owners, escalation path, and evidence status. Thresholds are bank-policy inputs, not invented values.

IndicatorSource moduleWatch thresholdBreach thresholdSevere thresholdOwnerEscalation pathEvidence status
Capital triggerCapital AdequacyBank policy needed.Bank policy needed.Bank policy needed.Finance ControlTreasury / Risk owner -> CFO / CRO / ALCONEEDS_BANK_POLICY
Liquidity triggerALM / LiquidityBank policy needed.Bank policy needed.Bank policy needed.Treasury ALMTreasury owner -> ALCONEEDS_RULE_EVIDENCE
LCR triggerLCR / NSFRBank policy needed.Bank policy needed.Bank policy needed.Treasury LiquidityTreasury owner -> ALCO -> ExecutiveNEEDS_BANK_POLICY
ALM mismatch triggerALM / LiquidityBank policy needed.Bank policy needed.Bank policy needed.Treasury ALMTreasury owner -> CFO / CRO / ALCONEEDS_BANK_POLICY
Deposit outflow triggerData Harmonizer / ALMBank policy needed.Bank policy needed.Bank policy needed.Retail / TreasuryTreasury owner -> ALCONEEDS_RULE_EVIDENCE
FX/NOP triggerMarket / FXBank policy needed.Bank policy needed.Bank policy needed.Treasury MarketsTreasury owner -> CFO / CRONEEDS_BANK_POLICY
Credit RWA triggerCredit RiskBank policy needed.Bank policy needed.Bank policy needed.Credit RiskRisk owner -> Credit Committee -> ALCONEEDS_RULE_EVIDENCE
Operational loss triggerOperational RiskBank policy needed.Bank policy needed.Bank policy needed.Operational RiskOperational Risk -> ExecutiveUNKNOWN_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.

TriggerCurrent statusSource moduleLinked scenarioOwnerTime since triggerNext actionEscalation levelOpen event
LCR stress watchWatchLCR / NSFRLCR 30-Day Outflow StressTreasury Liquidity2h 15mAttach deposit category source scheduleLevel 1: Treasury / Risk ownerOpen event
AcknowledgeEscalateAssign owner
ALM cumulative mismatch breachBreachALM / LiquidityLiquidity Rollover StressTreasury ALM1d 4hPrepare liquidity recovery action shortlistLevel 2: CFO / CRO / ALCOOpen event
AcknowledgeEscalateAssign owner
Capital adequacy headroom pressureWarningCapital AdequacySevere Credit + FX ShockFinance Control6h 40mConfirm RWA and capital component evidenceLevel 2: CFO / CRO / ALCOOpen event
AcknowledgeEscalateAssign owner
FX NOP limit usageWatchMarket / FXFX NOP stressTreasury Markets3h 05mReview open position source and hedge actionLevel 1: Treasury / Risk ownerOpen event
AcknowledgeEscalateAssign owner
Deposit outflow stressSevereALM / LiquidityLCR 30-Day Outflow StressTreasury Liquidity45mEscalate funding option reviewLevel 3: CEO / Executive ManagementOpen event
AcknowledgeEscalateAssign owner
Credit RWA growthWarningCredit RiskSevere Credit + FX ShockCredit Risk8h 10mAttach RW/CCF evidence and risk-weight mappingLevel 1: Treasury / Risk ownerOpen event
AcknowledgeEscalateAssign owner
Operational loss eventAction pendingOperational RiskOperational Loss EventOperational Risk1d 2hCollect incident evidence and loss event supportLevel 2: CFO / CRO / ALCOOpen event
AcknowledgeEscalateAssign owner

Recovery Options Library

Governed management actions grouped by capital, liquidity, deposits, FX, operational response, and communication.

GroupActionExpected impactTime to executeOwnerPreconditionsEvidence neededApproval requiredImpact statusActions
Capital actionsRetain earningsCapital headroom supportNEEDS_BANK_POLICYFinance ControlBoard distribution policyCapital source scheduleBoard approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Capital actionsRaise capitalCapital base upliftNEEDS_BANK_POLICYExecutive ManagementCapital plan and investor processBoard pack and source evidenceBoard approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Capital actionsReduce dividend/distributionRetain capital bufferNEEDS_BANK_POLICYFinance ControlDistribution policyBoard evidenceBoard approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Capital actionsReduce RWA growthLower capital pressureNEEDS_BANK_POLICYCredit RiskCredit committee actionExposure and RWA evidenceCredit Committee / ALCOIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Capital actionsSell/restructure high-RWA assetsCapital ratio supportNEEDS_BANK_POLICYCredit RiskAsset sale feasibilityPortfolio evidenceExecutive approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Liquidity actionsSell or repo HQLALiquidity buffer increaseNEEDS_BANK_POLICYTreasury LiquidityEligible HQLA evidenceHQLA source scheduleALCO approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Liquidity actionsDraw interbank fundingShort-term funding increaseNEEDS_BANK_POLICYTreasury MarketsCounterparty limit availableFunding evidenceTreasury checkerIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Liquidity actionsActivate backup funding lineContingent liquidityNEEDS_BANK_POLICYTreasury LiquidityFacility agreement availableLegal / facility evidenceExecutive approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Liquidity actionsIncrease deposit retention actionDeposit stability supportNEEDS_BANK_POLICYRetail / TreasuryPricing policy approvalTop depositor listALCO approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Liquidity actionsSlow new loan disbursementLiquidity outflow reductionNEEDS_BANK_POLICYCredit / TreasuryCredit committee approvalPipeline evidenceCredit CommitteeIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Deposit run actionsMonitor top depositorsEarly withdrawal visibilityNEEDS_BANK_POLICYTreasury LiquidityTop depositor sourceDepositor concentration extractTreasury reviewConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Deposit run actionsContact relationship managersClient retention actionNEEDS_BANK_POLICYRetail BankingContact protocolRM action logBusiness owner approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Deposit run actionsRaise deposit retention pricingDeposit outflow mitigationNEEDS_BANK_POLICYRetail / TreasuryPricing policy approvalPricing noteALCO approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Deposit run actionsActivate liquidity bufferImmediate cash supportNEEDS_BANK_POLICYTreasury LiquidityBuffer evidenceHQLA scheduleALCO approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Deposit run actionsPrepare ALCO funding actionGoverned funding decisionNEEDS_BANK_POLICYALCO SecretariatALCO agendaManagement packALCO approvalConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
FX actionsReduce open positionLower NOP pressureNEEDS_BANK_POLICYTreasury MarketsOpen position sourceFX position extractTreasury checkerIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
FX actionsHedge exposureMitigate currency riskNEEDS_BANK_POLICYTreasury MarketsHedge policy and limitHedge ticket evidenceTreasury / Risk approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
FX actionsRebalance FCY assets/liabilitiesReduce currency mismatchNEEDS_BANK_POLICYTreasury MarketsBalance sheet action planFX source schedulesALCO approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Operational actionsActivate incident responseContain operational eventNEEDS_BANK_POLICYOperational RiskIncident protocolIncident evidenceOperational Risk approvalIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Operational actionsContain loss eventLimit financial impactNEEDS_BANK_POLICYOperational RiskLoss event evidenceLoss support scheduleExecutive reviewIMPACT_NOT_COMPUTED
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Operational actionsEscalate operational resilience actionBusiness continuity actionNEEDS_BANK_POLICYGRC / ResilienceBCP policyResilience evidenceExecutive approvalConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Communication actionsPrepare ALCO noteCommittee review readinessNEEDS_BANK_POLICYALCO SecretariatTrigger summaryEvidence packALCO chairConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Communication actionsPrepare Executive noteManagement decision readinessNEEDS_BANK_POLICYExecutive OfficeEscalation evidenceExecutive packCEO / Executive approvalConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Communication actionsPrepare Board packBoard risk review readinessNEEDS_BANK_POLICYBoard SecretariatBoard agendaBoard pack evidenceBoard approvalConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval
Communication actionsPrepare regulator communication packRegulator communication readinessNEEDS_BANK_POLICYComplianceBank-approved communication policyCommunication evidenceBank approval requiredConfigured only — not computed
Missing source data · Method evidence required
Add to shortlistView preconditionsAttach evidenceRequest approval

Action Playbooks

If-this-then-that management workflows. Timing and formal escalation rules remain bank-policy inputs.

ConditionStep 1Step 2Step 3Guardrail
If LCR watchTreasury ALM reviews source cashflows.Owner acknowledges.Evidence note created.NEEDS_BANK_POLICY for timing and escalation rule.
If LCR breachALCO reviews liquidity options.Recovery action shortlist required.Source and factor evidence attached.NEEDS_BANK_POLICY for breach timing and committee cadence.
If severeExecutive/Board recovery pack prepared.Regulator communication readiness reviewed.Open blockers remain visible.NEEDS_BANK_POLICY for legal timeline and communication protocol.

Escalation Matrix

Management layers, decision rights, evidence requirements, and policy-dependent timing.

Management layerActivation conditionOwnerDecision requiredEvidence requiredTime limit / policy status
Level 0: Normal monitoringNo trigger or only routine watch signalModule ownerMonitor and retain evidenceDashboard evidence and source statusBank policy needed.
Level 1: Treasury / Risk ownerWatch or warning statusTreasury / Risk ownerAcknowledge and attach source evidenceSource schedule, management noteNEEDS_BANK_POLICY
Level 2: CFO / CRO / ALCOBreach or repeated warningCFO / CRO / ALCOSelect recovery option shortlistImpact evidence, options note, ALCO minutesNEEDS_BANK_POLICY
Level 3: CEO / Executive ManagementSevere or unresolved breachCEO / Executive ManagementApprove management actionExecutive pack, owner timeline, blocker listNEEDS_BANK_POLICY
Level 4: Board / Board Risk CommitteeMaterial severe event or policy triggerBoard / Board Risk CommitteeApprove Board-level recovery packageBoard pack and approval trailNEEDS_BANK_POLICY
Level 5: Regulator communication packageBank-approved regulator communication conditionCompliance / ExecutivePrepare communication packageApproved communication note and evidence packNEEDS_BANK_POLICY

Impact Assessment

Action impact table. Missing models and source schedules remain visible instead of becoming fabricated values.

ActionBaseline metricExpected post-action metricDeltaComputation statusEvidence statusOwnerApproval status
Sell or repo HQLALCR / liquidity bufferConfigured only — not computedIMPACT_NOT_COMPUTEDMissing source dataNEEDS_RULE_EVIDENCETreasury LiquidityALCO approval needed
Activate backup funding lineLiquidity gapConfigured only — not computedIMPACT_NOT_COMPUTEDMissing source dataNEEDS_BANK_POLICYTreasury LiquidityExecutive approval needed
Reduce RWA growthCredit RWA / CARConfigured only — not computedIMPACT_NOT_COMPUTEDMissing source dataNEEDS_RULE_EVIDENCECredit RiskCredit Committee approval needed
Hedge exposureFX NOPConfigured only — not computedIMPACT_NOT_COMPUTEDMissing source dataNEEDS_BANK_POLICYTreasury MarketsTreasury checker needed
Contain loss eventOperational loss / capitalConfigured only — not computedIMPACT_NOT_COMPUTEDMissing source dataUNKNOWN_RULE_REFERENCEOperational RiskExecutive 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.

Recovery Event Log

Audit-oriented event register with owner, selected action, status, timestamps, and evidence hash.

Event IDTriggerScenarioOwnerAction selectedStatusCreated timeLast updateEvidence hashOpen event
REC-2026-031LCR stress watchLCR 30-Day Outflow StressTreasury LiquidityAction shortlist pendingEvidence neededMay 22, 2026 09:10May 22, 2026 10:45pending-source-hashOpen event
REC-2026-032ALM cumulative mismatch breachLiquidity Rollover StressTreasury ALMLiquidity recovery actionEscalatedMay 21, 2026 14:20May 22, 2026 08:30pending-alco-evidenceOpen event
REC-2026-033Credit RWA growthSevere Credit + FX ShockCredit RiskReduce RWA growthAction pendingMay 22, 2026 07:15May 22, 2026 09:25pending-rw-evidenceOpen event
REC-2026-034Operational loss eventOperational Loss EventOperational RiskActivate incident responseImpact not computedMay 21, 2026 16:05May 22, 2026 10:10pending-loss-event-sourceOpen event
REC-2026-035Deposit outflow stressLCR 30-Day Outflow StressTreasury LiquidityEscalate funding option reviewEscalatedMay 22, 2026 10:05May 22, 2026 10:50pending-deposit-outflow-evidenceOpen event

Board / NBE Pack

Internal pack structure for management review. Official communication requires bank approval.

Pack sectionContentOwnerStatus
Trigger summaryMaterial trigger state, severity, owner, time since triggerALCO SecretariatEvidence needed
Metrics affectedCapital, liquidity, LCR, ALM, FX, credit, operational metricsModule ownersSource lineage needed
Actions consideredAvailable recovery options and preconditionsRecovery ownerImpact evidence needed
Recommended actionManagement-selected action with rationaleALCO / ExecutiveApproval pending
Owner and timelineNamed action owner and execution timelineAction ownerNEEDS_BANK_POLICY
Evidence gapsSource schedules, rule evidence, management notesRisk ControlOpen blockers
Approval statusMaker-checker, ALCO, Executive, Board statusGovernanceBlocked
Open blockersMissing source data, policy evidence, approval evidenceComplianceOFFICIAL_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.