+Article 25 2.

Article 25 2.

Les entités financières évaluent, au moyen des tests de leurs plans de continuité des activités de TIC visés au paragraphe 1, si elles sont en mesure d’assurer la continuité de leurs fonctions critiques ou importantes. Ces tests:

a) 

sont réalisés sur la base de scénarios de test simulant des perturbations potentielles, y compris un ensemble adéquat de scénarios graves mais plausibles;

b) 

comprennent, le cas échéant, des tests des services TIC fournis par des prestataires tiers de services TIC;

c) 

pour les entités financières, autres que les microentreprises, visées à l’article 11, paragraphe 6, deuxième alinéa, du règlement (UE) 2022/2554, comprennent des scénarios de basculement entre l’infrastructure de TIC principale et la capacité redondante, les sauvegardes et les installations redondantes;

d) 

sont conçus pour éprouver les hypothèses sur lesquelles se fondent les plans de continuité des activités, y compris les dispositifs de gouvernance et les plans de communication en situation de crise;

e) 

comportent des procédures visant à vérifier la capacité du personnel des entités financières, des prestataires tiers de services TIC, des systèmes de TIC et des services TIC à répondre de manière adéquate aux scénarios dûment pris en considération conformément à l’article 26, paragraphe 2.

Aux fins du point a), les entités financières incluent toujours dans les tests les scénarios envisagés pour l’élaboration des plans de continuité des activités.

Aux fins du point b), les entités financières tiennent dûment compte des scénarios liés à l’insolvabilité ou aux défaillances des prestataires tiers de services TIC ou aux risques politiques dans les juridictions des prestataires tiers de services TIC, le cas échéant.

Aux fins du point c), les tests permettent de vérifier si au moins les fonctions critiques ou importantes peuvent être exercées de manière appropriée pendant une durée suffisante et si le fonctionnement normal peut être rétabli.

1. Vue d’ensemble

,

1.1 Références

1.2 Exigences identifiées

1.3 Normes associées

2. Exigences identifiées

Exigences

3. Normes associées

Normes
NOREA Business Continuity Policy

Establish an ICT business continuity policy that enables the continuity of critical or important functions, ensures rapid response to incidents, facilitates the resumption of activities, deployment of containment measures, activation and deactivation of response and recovery procedures, estimation of impact, damage, and losses, and provides clear communication to relevant stakeholders. Regularly review the business continuity policy and make necessary adjustments to enhance effectiveness.

Refer to Articles 24.2-4 of the RTS RM for specific requirements for Central counterparties, Trading venues, and Central security depositories.
NOREA Crisis Management
Formulate and maintain a crisis management team tasked with overseeing and coordinating actions during a crisis or major disruption. Regularly review recovery/response plans. Make necessary adjustments to enhance effectiveness.
NOREA Record Keeping
Keep detailed records of activities conducted before, during, and after disruptions, including actions taken and outcomes. Maintain an estimation of aggregated annual costs and losses resulting from major disruptions. This information shall be reported to the regulator upon their request.
NOREA Business Impact analysis
Perform a comprehensive Business Impact Analysis (BIA) of exposures to severe business disruptions. The BIA should be done by means of quantitative and qualitative criteria, using internal and external data and scenario analysis, as appropriate. The BIA shall consider the criticality of identified and mapped business functions, support processes, third-party dependencies and information assets, and their interdependencies. Financial entities shall ensure that ICT assets and ICT services are designed and used in full alignment with the BIA, in particular with regard to adequately ensuring the redundancy of all critical components.
NOREA Response and Recovery

Establish comprehensive response and recovery plans encompassing short-term and long-term recovery options. These plans must thoroughly identify potential scenarios and shall duly take into account scenarios of cyber-attacks, switchovers, degradation of critical function provision, premises failure, breakdowns in ICT assets or communication infrastructure, staff unavailability, natural disasters and the impact of climate change, pandemic situations, physical attacks, insider threats, political or social instability, and power outages. Additionally, these plans must incorporate alternative options in cases where primary recovery measures are impractical in the short term due to factors such as cost, risks, logistics, or unforeseen circumstances. Address potential failures of key ICT third-party service providers into the plans.
NOREA Testing and Assessment

Regularly test ICT business continuity, response, and recovery plans, particularly in collaboration with third-party service providers supporting critical or important functions. Testing should  take into account the financial entity’s BIA and the ICT risk assessment and occur on a yearly basis and whenever there are significant changes to systems supporting critical or important functions. 
Tests must be based on realistic scenarios and encompass scenarios like cyber attacks, insolvency or failure of the third-party, backup restores, and switchover between primary and redundant processing sites. 
The testing shall verify whether at least critical or important functions can be operated appropriately, for a sufficient period of time and whether the normal functioning (of the business process) may be restored. Conduct testing of crisis communication plans to ensure effective communication strategies during a crisis or major disruption. Document test results and report any identified deficiencies resulting from the tests to the management body.

Refer to Articles 24.2-3 of the RTS RM for the specific requirements for Central counterparties and Central security depositories.