A clearer view of
where to focus next.

The same rubric for every question.

• 0 · Not established. There is no defined practice yet.
• 1 · Informal. People act, but the approach relies on individual knowledge.
• 2 · Documented. An agreed process exists; consistent operation is not yet evidenced.
• 3 · Operating with evidence. The process is used, with current records and review evidence.
• ? · Not sure. You need to check how this works or what evidence exists.

Score = points earned ÷ (applicable questions × 3) × 100, rounded to the nearest whole number. All questions have equal weight. “Not sure” earns zero points and remains in the denominator. Unanswered questions prevent a final score. The outsourcing question alone allows a confirmed exclusion; it is removed from both the overall and area denominators.

A starting point for improvement.

Planning labels are editorial aids: below 40, establish foundations; 40–69, strengthen consistency; 70–99, test and evidence; 100, maintain and re-test. These are not regulatory thresholds or validated benchmarks. Actions prioritise the three lowest-scoring areas, using uncertainty as the tie-breaker, then the area order shown above.

This original questionnaire assesses operating practices, not compliance with every applicable rule. Bank category, NBFC classification and layer, activities and current requirements need a separate applicability assessment. No documents are reviewed and no independent assurance is provided.

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