| B01 Institution and branch administration | Operate separate legal institutions, regions, branches and service locations without sharing their customers or books. | core |
| B02 Staff identity and access | Give bank employees the exact duties they need and remove access when those duties end. | core |
| B03 Product and programme configuration | Define reusable financial products and institution programmes, then publish controlled versions to eligible channels. | core |
| B04 Customer onboarding and KYC | Create verified individual and business customers before opening regulated products. | core |
| B05 Customer relationships and servicing view | Show a verified, scoped relationship between parties, accounts, cards, loans and servicing branches. | core |
| B06 Account lifecycle and mandates | Open, operate, restrict and close an account with accurate ownership and authority. | core |
| B07 Ledger and financial accounting | Maintain balanced, traceable books or integrate a clearly designated external system of record. | core |
| B08 Savings current and overdraft servicing | Operate transaction accounts, including interest, charges and authorised overdraft behaviour. | core |
| B09 Term and recurring deposits | Manage deposit placement, scheduled funding, maturity and premature closure. | core |
| B10 Teller cash and vault | Control physical cash and teller duties alongside the financial books. | core |
| B11 Payments beneficiaries and mandates | Execute permitted payments with verified payees, proof, status recovery and reconciliation. | core |
| B12 Loan origination | Prepare loan applications and accepted agreements, with separate approval and disbursement status. | lending |
| B13 Credit underwriting and decisioning | Record reproducible, authorised credit decisions and policy exceptions. | lending |
| B14 Loan servicing and repayment | Maintain contractual loan balances, schedules and lifecycle changes accurately. | lending |
| B15 Collateral and securities | Track pledged assets and enforce release only when the secured obligation permits it. | lending |
| B16 Collections and recoveries | Resolve arrears through authorised, recorded customer contact and financial outcomes. | lending |
| B17 Card programmes issuance and inventory | Manage issuer-owned debit, prepaid and credit programmes and the physical/virtual card lifecycle. | cards |
| B18 Debit card operations | Allow card spending against a permitted deposit account while preserving available funds and holds. | cards |
| B19 Prepaid cards wallets and PPI operations | Operate permitted prepaid stored-value programmes without treating their balance as a bank deposit or credit line. | cards |
| B20 Credit card accounts billing and servicing | Manage revolving credit from underwriting to statements, repayment, collections and closure. | cards |
| B21 Card authorisation clearing and settlement | Process network messages and financial events with one economic effect per transaction. | cards |
| B22 Disputes chargebacks and remediation | Resolve payment/card disputes with evidence, deadlines and controlled financial adjustment. | cards |
| B23 ATM application and terminal operations | Operate a secure ATM customer session and terminal fleet through certified devices and switch interfaces. | cards |
| B24 Reconciliation and exception management | Prove that instructions, bank books, provider outcomes and settlement funds agree. | control |
| B25 Treasury liquidity and settlement positions | Manage approved liquidity and settlement obligations with clear separation from retail servicing. | control |
| B26 Risk fraud AML and compliance | Apply institution-owned risk controls and handle reviewable cases without silently making autonomous decisions. | control |
| B27 Service requests and complaints | Let customers and staff resolve servicing problems with ownership and customer-visible outcomes. | control |
| B28 Communications documents and consent | Deliver the correct disclosures and documents through verified channels and retain evidence. | control |
| B29 Management and regulatory reporting | Produce traceable financial, operational and regulatory reports from controlled source data. | control |
| B30 Banking APIs integration and data health | Expose versioned banking APIs and track source health with explicit instruction and execution status. | control |
| B31 Business date EOD and scheduled operations | Run financial and operational cycles exactly once per institution business date with controlled restart. | control |
| B32 Security audit deployment and resilience | Prove the release protects bank data and can be operated, recovered and audited. | control |
| B33 Cheque operations and clearing | Manage cheque books, instruments, clearing and returns with linked financial evidence. | core |
| B34 Approvals limits and operational controls | Apply cross-channel approval and aggregate controls before a financial or sensitive administrative action can execute. | control |
| B35 Customer digital identity and security | Verify customer access to products and secure web/mobile sessions without treating staff access as customer authority. | core |