The guidance specifically refers to the need to plan and test for recovery of critical business lines and functions - such as retail banking services - in the face of wide-scale disruption, as well as scenarios in which physical or information assets and personnel are lost.
Recently, the FFIEC issued guidance on managing additional risks arising from information technology operations, network  BIS Review 49/2004  3  management, and wholesale and retail payments systems. Our examiners are assessing banks against these guidelines. Other financial market authorities are taking similar steps for the organizations that they regulate.