/* global React, Icon, StatusChip, Avatar, PageHeader, Banner, Drawer, DrawerHead, Meta, PEOPLE, etb, useActionDrawer, useToast */ const { useState: useStateRec } = React; /* ============================================================ Recovery Planning — NBE recovery doctrine "Before things get dire, what are you doing?" Recovery indicators with a 3-zone threshold ladder, a menu of NBE-recognised recovery options with quantified capacity, and the escalation chain across management layers. Internal workflow only. ============================================================ */ // Recovery indicators — each with green/amber/red thresholds and a live value const REC_INDICATORS = [ { key: "car", name: "Capital Adequacy Ratio", unit: "%", live: 13.0, recovery: 11.0, escalate: 9.0, dir: "down", live2: 11.2, note: "stressed" }, { key: "lcr", name: "Liquidity Coverage Ratio", unit: "%", live: 265, recovery: 110, escalate: 100, dir: "down", live2: 142, note: "stressed" }, { key: "nop", name: "Net Open Position / Tier-1", unit: "%", live: 7.3, recovery: 15, escalate: 18, dir: "up", live2: 16.7, note: "stressed" }, { key: "dep", name: "Deposit concentration (top-20)", unit: "%", live: 28, recovery: 35, escalate: 45, dir: "up", live2: 41, note: "stressed" }, ]; // zone for a value given thresholds + direction function zoneOf(ind, v) { if (ind.dir === "down") return v <= ind.escalate ? "red" : v <= ind.recovery ? "amber" : "green"; return v >= ind.escalate ? "red" : v >= ind.recovery ? "amber" : "green"; } const ZTXT = { green: ["Normal", "var(--green-ink)", "var(--green-soft)"], amber: ["Recovery zone", "var(--amber)", "var(--amber-soft)"], red: ["Escalation", "var(--red)", "var(--red-soft)"] }; // NBE-recognised recovery options — menu with quantified capacity & lead time const REC_OPTIONS = [ { no: "1", name: "Activate committed liquidity lines / ordinary standing facilities", lever: "Liquidity", category: "Liability management", capacity: "+Br 6,400 M HQLA", metric: "LCR +58pp", lead: "Same day", owner: "dawit", layer: 1, state: "RECONCILED" }, { no: "2", name: "Sell / repo Level-1 HQLA (T-bills, FDRE bonds)", lever: "Liquidity", capacity: "+Br 9,650 M cash", metric: "LCR +88pp", lead: "1–2 days", owner: "dawit", layer: 1, state: "RECONCILED" }, { no: "3", name: "Close speculative FX longs", lever: "Market", capacity: "−Br 540 M NOP", metric: "NOP −2.1pp", lead: "Same day", owner: "abel", layer: 1, state: "REVIEW_PENDING" }, { no: "4", name: "Issue FX-matched term deposits", lever: "Market", capacity: "−Br 230 M NOP", metric: "NOP −0.9pp", lead: "1 week", owner: "abel", layer: 2, state: "REVIEW_PENDING" }, { no: "5", name: "Suspend dividend / retain earnings", lever: "Capital", capacity: "+Br 1,800 M CET1", metric: "CAR +1.9pp", lead: "Board cycle", owner: "hana", layer: 2, state: "NEEDS_BANK_POLICY" }, { no: "6", name: "Raise Tier-2 subordinated debt", lever: "Capital", capacity: "+Br 3,000 M T2", metric: "CAR +3.1pp", lead: "1–3 months", owner: "meron", layer: 3, state: "EVIDENCE_NEEDED" }, { no: "7", name: "Rights issue / new equity", lever: "Capital", capacity: "+Br 5,000 M CET1", metric: "CAR +5.2pp", lead: "3–6 months", owner: "hana", layer: 3, state: "OFFICIAL_FUTURE" }, { no: "8", name: "Deleverage — slow new lending growth", lever: "Capital", capacity: "−Br 8,000 M RWA", metric: "CAR +0.9pp", lead: "1 quarter", owner: "meron", layer: 2, state: "REVIEW_PENDING" }, ]; // escalation layers — who acts, when it passes up const REC_LAYERS = [ { layer: 1, name: "Treasury / ALCO desk", who: ["dawit", "abel"], trigger: "Indicator enters Recovery zone", mandate: "Execute Layer-1 liquidity & market options within delegated limits", sla: "Same day" }, { layer: 2, name: "ALCO + Risk Committee", who: ["hana", "meron"], trigger: "Layer-1 insufficient OR indicator deteriorating", mandate: "Capital conservation, deleveraging, deposit actions", sla: "48 hours" }, { layer: 3, name: "Board + NBE notification", who: ["hana"], trigger: "Indicator breaches Escalation threshold", mandate: "Capital raise, recovery-plan activation, regulator engagement", sla: "5 working days max" }, ]; const REC_PLAN_SECTIONS = [ { no: "1", title: "Executive Summary", items: "Background, Recovery Plan, scope, material changes" }, { no: "2", title: "Strategic and Governance Analysis", items: "Business model, critical functions, governance, oversight, risk management" }, { no: "3", title: "Core of Recovery Plan", items: "Triggers, indicators, scenarios, options, contingency, communication" }, { no: "4", title: "Implementation Strategies", items: "Actions, owners, timing, impediments, resource needs" }, ]; const REC_INDICATOR_CATALOG = [ { cat: "Capital", examples: "CAR, CET1 ratio, Tier 1 ratio, total capital ratio, leverage ratio" }, { cat: "Liquidity", examples: "Liquidity ratio, reserve ratio, LCR, NSFR, loan-to-deposit, cost of funds, wholesale concentration" }, { cat: "Profitability", examples: "ROA, ROE, net interest margin, cost-to-income, operational-risk loss" }, { cat: "Asset quality", examples: "NPL ratio, impaired loans, loan-loss coverage, provision coverage, sector concentration" }, { cat: "Operational risk", examples: "Critical-system downtime, cyber incidents, staff turnover, compliance breaches" }, { cat: "Market / macro", examples: "Price-to-book, share volatility, credit rating, GDP/employment/sector indicators" }, ]; const REC_OPTION_ASSESSMENT = [ "Expected financial impact: capital, liquidity and other effects", "Operational benefits, side effects and systemic consequences", "Implementation time, resources and execution owner", "Potential impediments and remediation actions", "Implementation costs and option-specific communications", "Business continuity support needed to execute the option", ]; function Recovery({ go, info }) { const [opt, setOpt] = useStateRec(null); const [layerOpen, setLayerOpen] = useStateRec(null); const [actionNode, openAction] = useActionDrawer(); const [toastNode, showToast] = useToast(); // current active stress posture: how many indicators are in recovery/escalation const stressedZones = REC_INDICATORS.map(i => zoneOf(i, i.live2)); const inEscalation = stressedZones.filter(z => z === "red").length; const inRecovery = stressedZones.filter(z => z === "amber").length; const activeLayer = inEscalation > 0 ? 3 : inRecovery > 0 ? 2 : 1; return (
info({ title: "Recovery Planning", purpose: "The bank's pre-agreed answer to NBE's question: 'before things get dire, what are you doing?' Recovery indicators carry threshold ladders (Normal → Recovery → Escalation); each zone unlocks a menu of NBE-recognised recovery options with quantified capacity; and deterioration escalates across defined management layers.", first: "Read the indicator ladder — any amber/red indicator activates the matching recovery layer. The options menu shows how much capacity each measure restores and who owns it.", terms: [["Recovery indicator", "A metric with pre-set thresholds that triggers the plan."], ["Recovery option", "A pre-agreed management action with quantified capacity."], ["Escalation layer", "Which management tier owns the response."]], next: ["Review which indicators are in the recovery/escalation zone.", "Select recovery options and see aggregate capacity vs the gap.", "Escalate to the next management layer if Layer-1 is insufficient."], connections: ["Indicators are driven by Stress Lab scenarios.", "Options reference Capital / LCR / NOP workpapers.", "Activation compiles a Board / NBE recovery pack."], guardrail: "Internal workflow only. Recovery options are documented management intent — they do not execute transactions or change official numbers." })} right={Layer {activeLayer} active} />
Internal recovery playbook. This is the bank's pre-agreed answer to NBE: which measures, how much capacity, who acts, and when it escalates — documented management intent, not transaction execution.
Directive guardrail. Recovery options assume no extraordinary NBE or government financial support. Any public external communication requires NBE consent before release.

NBE recovery plan structure

SBB/93/2025 · required content map
{REC_PLAN_SECTIONS.map(s => (
{s.no}
{s.title}
{s.items}
))}

Annex II indicator catalog

quantitative triggers sit above prudential floors; early warnings calibrate before breach
{REC_INDICATOR_CATALOG.map(c => (
{c.cat}
{c.examples}
))}
{/* recovery indicator ladder */}

Recovery indicators

live · and under the active stress scenario
{REC_INDICATORS.map(ind => { const zLive = zoneOf(ind, ind.live), zStr = zoneOf(ind, ind.live2); const lo = Math.min(ind.escalate, ind.recovery, ind.live, ind.live2); const hi = Math.max(ind.escalate, ind.recovery, ind.live, ind.live2); const pos = v => ((v - lo) / (hi - lo || 1)) * 100; return (
{ind.name}
{ZTXT[zStr][0]}
Live {ind.live}{ind.unit} Stressed {ind.live2}{ind.unit}
{/* threshold ladder bar */}
Recovery {ind.recovery}{ind.unit}Escalate {ind.escalate}{ind.unit}
); })}
{/* escalation chain */}

Escalation chain

if one layer can't resolve it, it passes to the next
{REC_LAYERS.map(l => { const active = l.layer === activeLayer, passed = l.layer < activeLayer; return (
setLayerOpen(l)}>
Layer {l.layer}{active ? Active : passed ? Cleared : Standby}
{l.name}
{l.mandate}
{l.who.map((w, i) => )} SLA {l.sla}
); })}
{/* recovery options menu */}

Recovery options menu

NBE-recognised measures · quantified capacity
{REC_OPTIONS.map(o => { const p = PEOPLE[o.owner]; return ( setOpt(o)}> ); })}
Recovery measureLeverCapacityRatio effectLead timeOwnerLayer
{o.no} {o.name} {o.lever} {o.capacity} {o.metric} {o.lead} {p.name.split(" ")[0]} L{o.layer}
Each measure is pre-quantified so management knows how much capacity it buys and how fast. NBE expects this menu agreed before a crisis — the plan is the deliverable, executed only if an indicator breaches.
{/* option drawer */} {opt && setOpt(null)} wide> } onClose={() => setOpt(null)} />
Documented management intent — selecting this does not execute a transaction. It adds the measure to the recovery pack with its quantified capacity.
{PEOPLE[opt.owner].name}], ["Escalation layer", "Layer " + opt.layer], ["Readiness", ], ]} />
Who · when · how
Who
{PEOPLE[opt.owner].name} ({PEOPLE[opt.owner].role}) under Layer-{opt.layer} mandate
When
On the matching indicator entering its recovery zone
How
Within delegated limits; logged to the audit trail on execution
Directive-required option assessment
{REC_OPTION_ASSESSMENT.map((item, i) => (
{item}
))}
External public communication for this option stays gated until NBE consent is recorded. This workspace records readiness only; it does not execute the measure.
} {/* layer drawer */} {layerOpen && setLayerOpen(null)}> {layerOpen.layer === activeLayer ? "Active" : layerOpen.layer < activeLayer ? "Cleared" : "Standby"}} onClose={() => setLayerOpen(null)} />
{layerOpen.who.map(w => {PEOPLE[w].name.split(" ")[0]})}], ]} />
Options at this layer
{REC_OPTIONS.filter(o => o.layer === layerOpen.layer).map(o => (
{o.name}
{o.capacity} · {o.metric}
))}
Management layer{layerOpen.layer === 3 ? : }
} {actionNode} {toastNode}
); } window.Recovery = Recovery;