The Bank has well defined Business Continuity Management (BCM) system in place for various functions of the Bank, which is guided by Board, approved Operational Risk & Business Continuity policy. The objective of Bank’s BCM is to ensure continued service delivery during various disruption/ disaster events viz. network failure, power failure, software failure, natural calamities etc. BCM includes Business Continuity Plans (BCP) and Incident Management Plans (IMP), which incorporate the following:



1. Circumstances under which BCP / IMP should be invoked/ activated;
2. Steps/ procedures to be undertaken by branches/ units during disruption.
3. Role & responsibilities of Bank officials during disruption/ disaster.
4. Recording of disruption incidences and consequent BCP Invocations.
5. Timely restoration of disruption.

It has been observed that though bank units are encountering business disruptions, many a times, BCP/ IMP is not invoked at all or is invoked with delay, which adversely impacts in extending timely services to the customers and posing reputation risk for the Bank.



In order to render continued customer services, it is desired from the branches/ units are required to promptly invoke BCP, as envisaged under respective BCPs with proper support from the corporate office and team at Intech. As per BCM (Business Continuity Management) Policy it is mandatory to invoke BCP (i.e. working from alternate location either by visiting that location or through CCS option) if disruption is more than one hour subject to available infrastructure.



As per BCM team identified below mentioned reasons for non-invocation of BCP by retail branches especially in Rural, Rural(FI),and urban branches.


1. Distance of alternate location
2. Shortage of Man power and
3.Fax Not Working / Not available