+Člen 26 2.

Člen 26 2.

V načrtih odzivanja in okrevanja IKT iz odstavka 1 se opredelijo ustrezni scenariji, vključno s scenariji resnih motenj poslovanja in povečane verjetnosti pojava motnje. V teh načrtih se razvijejo scenariji, ki temeljijo na trenutnih informacijah o grožnjah in izkušnjah, pridobljenih pri preteklih pojavov motenj poslovanja. Finančni subjekti ustrezno upoštevajo vse naslednje scenarije:

(a) 

kibernetske napade in preklope med primarno infrastrukturo IKT in redundantno zmogljivostjo, rezervnimi sistemi in redundantnimi obrati;

(b) 

scenarije, v katerih se kakovost zagotavljanja kritične ali pomembne funkcije poslabša na nesprejemljivo raven ali odpove in se ustrezno upošteva morebitni vpliv insolventnosti ali drugih vrst prenehanja delovanja katerega koli zadevnega tretjega ponudnika storitev IKT;

(c) 

delno ali popolno neuporabnost prostorov, vključno s pisarniškimi in poslovnimi prostori, ter podatkovnih centrov;

(d) 

znatno odpoved sredstev IKT ali komunikacijske infrastrukture;

(e) 

nerazpoložljivost kritičnega števila zaposlenih ali zaposlenih, odgovornih za zagotavljanje neprekinjenega delovanja;

(f) 

vpliv dogodkov, povezanih s podnebnimi spremembami in degradacijo okolja, naravnih nesreč, pandemij in fizičnih napadov, vključno z vdori in terorističnimi napadi;

(g) 

notranje napade;

(h) 

politično in socialno nestabilnost, tudi, kjer je ustrezno, v jurisdikciji tretjega ponudnika storitev IKT in na lokaciji, kjer se podatki shranjujejo in obdelujejo;

(i) 

razširjene izpade električne energije.

1. Pregled

,

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve

3. Povezani standardi

Standardi
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.