Are operational resilience or continuity arrangements disclosed?

We may, where it is reasonable or necessary for us to do so, suspend the Freetrade Platform and/or the Services to perform routine or emergency maintenance or to upgrade or replace our systems. We will take reasonable steps to minimise the disruption to the Freetrade Platform and the Services and to give you advance notice of any planned suspension.

The client agreement discloses that Freetrade may suspend the platform or services for routine or emergency maintenance or system upgrades, and will take reasonable steps to minimise disruption and give advance notice of planned suspensions.

Binding document · Freetrade Limited · Check the source

We'll use all reasonable care and skill to make the Freetrade Platform and its contents available to you 24/7. However, we can't guarantee that it will always be uninterrupted, accurate or error-free, secure, or free of viruses or other damaging property.

The client agreement discloses that Freetrade will use reasonable care and skill to make the platform available 24/7 but cannot guarantee uninterrupted or error-free service.

Binding document · Freetrade Limited · Check the source

operational resilience;

HLAM's own funds assessment considers operational resilience among the risk categories evaluated.

Binding document · Hargreaves Lansdown Asset Management Limited · Own funds assessment · Check the source

a contingency funding plan, which sets out the strategy for addressing liquidity shortfalls in emergency situations including a credit facility

HLAM has a contingency funding plan that sets out the strategy for addressing liquidity shortfalls in emergency situations, including a credit facility.

Binding document · Hargreaves Lansdown Asset Management Limited · Liquidity risk · Check the source

Security operations function with 24/7 strength-in- depth capabilities to monitor, prevent and triage cyber threats

The document states that the firm has a security operations function with 24/7 strength-in-depth capabilities to monitor, prevent and triage cyber threats.

Binding document · IG Markets Limited · Platform availability and information security · Check the source

Capacity stress testing

The document states that the firm conducts capacity stress testing.

Binding document · IG Markets Limited · Platform availability and information security · Check the source

DOS mitigation services and 24/7 incident management capabilities

The document states the firm has DOS mitigation services and 24/7 incident management capabilities.

Binding document · IG Markets Limited · Platform availability and information security · Check the source

Maintenance of a 24/7 Incident Management function

The document states that the firm maintains a 24/7 Incident Management function.

Binding document · IG Markets Limited · Platform availability and information security · Check the source

Regular disaster-recovery capability testing

The document states that the firm conducts regular disaster-recovery capability testing.

Binding document · IG Markets Limited · Platform availability and information security · Check the source

Regular assessments of services identified as being critical to clients to ensure their operational resiliency. Single points of failure identified, and contingency plans set in place

The document states that regular assessments are performed of services identified as critical to clients to ensure their operational resiliency, with single points of failure identified and contingency plans set in place.

Binding document · IG Markets Limited · Client life cycle management · Check the source

During periods of market distress, J.P. Morgan Personal Investing could use discretion to hold off from trading until liquidity returns to the market, as trading when there is an absence of liquidity could result in less than favourable prices being achieved due to liquidity premiums or discounts.

The policy states that during periods of market distress, J.P. Morgan Personal Investing may use discretion to hold off from trading until liquidity returns to the market.

Published by the firm · J.P. Morgan Personal Investing Limited · Market Distress – Contingent Arrangements · Check the source

If trading during a period of market distress is necessary, J.P. Morgan Personal Investing would seek liquidity from multiple counterparties via RFQ.

The policy states that if trading is necessary during a period of market distress, the firm would seek liquidity from multiple counterparties via RFQ.

Published by the firm · J.P. Morgan Personal Investing Limited · Market Distress – Contingent Arrangements · Check the source

with investment in product and technology functions as well as control functions to support operational resilience

Monzo's annual report states that the increase in personnel costs reflects investment in control functions to support operational resilience.

Binding document · Monzo Bank Holding Group Limited · Note 6, Personnel expenses · Check the source

the Committee considered the Group’s core prudential submissions to the Bank of England and the Prudential Regulation Authority, including the Internal Capital Adequacy Assessment Process (ICAAP) and Internal Liquidity Adequacy Assessment Process (ILAAP), alongside recovery and resolvability planning and related stress testing.

The report states that the Committee considered the Group's core prudential submissions to the Bank of England and the Prudential Regulation Authority, including the ICAAP and ILAAP, alongside recovery and resolvability planning and related stress testing.

Binding document · Monzo Bank Holding Group Limited · Prudential risk · Check the source

We mitigate potential impacts, like disruption to critical infrastructure or third-party service providers, through our existing IT resilience, business continuity and supplier risk management arrangements.

The report states that potential impacts like disruption to critical infrastructure or third-party service providers are mitigated through existing IT resilience, business continuity and supplier risk management arrangements.

Binding document · Monzo Bank Holding Group Limited · Physical climate risks · Check the source

est peak, we processed over £750m in early salary payments with no disruption.

The report states that at its busiest peak, Monzo processed over £750m in early salary payments with no disruption.

Binding document · Monzo Bank Holding Group Limited · Check the source

We continued to strengthen platform resilience by rearchitecting key data storage systems, improving infrastructure segregation to ensure that any localised issues remain contained and introducing faster change mechanisms that allow teams to safely introduce new products, features, fixes and changes faster than ever.

The report states Monzo strengthened platform resilience by rearchitecting key data storage systems and improving infrastructure segregation so that localised issues remain contained.

Binding document · Monzo Bank Holding Group Limited · In focus: Technology and platform · Check the source

We continued to invest in Stand-In, our cloud-based resilience system designed to automatically step in and maintain essential services in the event that our primary platform has issues.

Monzo states it invests in Stand-In, a cloud-based resilience system designed to automatically step in and maintain essential services if the primary platform has issues.

Binding document · Monzo Bank Holding Group Limited · In focus: Technology and platform · Check the source

We conduct stress testing across a range of macroeconomic scenarios to assess capital adequacy and business model resilience, ensuring we’re always able to take action to meet regulatory requirements.

The annual report states the company conducts stress testing across a range of macroeconomic scenarios to assess capital adequacy and business model resilience, ensuring it can take action to meet regulatory requirements.

Binding document · Monzo Bank Holding Group Limited · Check the source

It also asks them to follow clear processes, like handling incidents well, putting the right protections in contracts (such as access and audit rights), and keeping an eye on risks and how resilient their operations are.

The Outsourcing and Third Party Risk Management Policy asks suppliers to follow processes including handling incidents well and keeping an eye on risks and how resilient their operations are.

Binding document · Monzo Bank Holding Group Limited · Third-party risk management · Check the source

and 99.996% availability for card processing, smoothly and safely handling over 8.5m transactions worth over £220m.

The report states that the Stand-In system achieved 99.996% availability for card processing this year.

Binding document · Monzo Bank Holding Group Limited · Check the source

We continued to invest in Stand-In, our cloud-based resilience system designed to automatically step in and maintain essential services in the event that our primary platform has issues.

The report states that Monzo invested in Stand-In, a cloud-based resilience system designed to automatically maintain essential services if the primary platform has issues.

Binding document · Monzo Bank Holding Group Limited · Check the source

the effect of a range of severe but plausible downside scenarios on our financial forecasts and the resilience of our business.

The Directors' report states that in assessing going concern, the Directors considered the effect of severe but plausible downside scenarios on the resilience of the business.

Binding document · Monzo Bank Holding Group Limited · Going concern basis section · Check the source

Our Monzo Stand-In platform maintains continuous service during temporary technology or process failures.

The document states that the Monzo Stand-In platform maintains continuous service during temporary technology or process failures.

Binding document · Monzo Bank Holding Group Limited · Business process risk mitigation · Check the source

Reverse stress testing has also been performed, which demonstrates that our risk position, risk management and financial capacity are sufficiently robust to give us confidence that we are not at an unacceptable level of probability of failing.

The report states that reverse stress testing has been performed, demonstrating that the company's risk position, risk management and financial capacity are sufficiently robust to give confidence that it is not at an unacceptable level of probability of failing.

Binding document · Monzo Bank Holding Group Limited · Going concern basis section · Check the source

This year it made sure we achieved 99.998% availability for Faster Payment System (FPS) processing

The report states that the Stand-In system achieved 99.998% availability for Faster Payment System (FPS) processing this year.

Binding document · Monzo Bank Holding Group Limited · Check the source

These measures are designed to make sure that our third party arrangements stay effective, resilient, scalable and compliant with regulatory expectations.

The policy states that measures are designed to make sure third party arrangements stay effective, resilient, scalable and compliant with regulatory expectations.

Binding document · Monzo Bank Holding Group Limited · Third-party risk management · Check the source

including wider qualitative considerations such as operational resilience and the current macroeconomic and market conditions

The auditor's report states that wider qualitative considerations such as operational resilience were included among the factors that may indicate events or conditions casting doubt on the Group's ability to continue as a going concern.

Binding document · Monzo Bank Holding Group Limited · Conclusions relating to going concern · Check the source

The Board recognises that suppliers and partners are critical to our operational resilience and long-term success.

The document states that the Board recognises that suppliers and partners are critical to operational resilience and long-term success.

Binding document · Monzo Bank Holding Group Limited · Suppliers section · Check the source

our Third Party Risk team does proportionate due diligence to check suppliers comply with our risk framework, covering financial stability, operational resilience, concentration risk and ESG considerations

The document states that the Third Party Risk team does proportionate due diligence to check suppliers comply with the risk framework, covering financial stability, operational resilience, concentration risk and ESG considerations.

Binding document · Monzo Bank Holding Group Limited · Suppliers section · Check the source

The Committee also received updates on broader operational resilience issues, including the Group’s preparedness to respond to a large-scale operational resilience incident and provide continuous service for customers.

The report states that the Committee also received updates on broader operational resilience issues, including the Group's preparedness to respond to a large-scale operational resilience incident and provide continuous service for customers.

Binding document · Monzo Bank Holding Group Limited · Third parties and outsourcing · Check the source

We’ll continue investing where it matters most, keeping customer money safe and ensuring our platform and systems remain resilient and built to serve many millions more.

The document states that Monzo will continue investing to ensure its platform and systems remain resilient and built to serve many millions more customers.

Binding document · Monzo Bank Holding Group Limited · Group Chief Executive Officer's review · Check the source

The Committee also considered updates on incident preparedness and resilience testing, and how insights from technology, cyber and third-party risk discussions informed the Group’s approach to maintaining continuity of service for customers.

The report states that the Committee considered updates on incident preparedness and resilience testing, and how insights from technology, cyber and third-party risk discussions informed the Group's approach to maintaining continuity of service for customers.

Binding document · Monzo Bank Holding Group Limited · Operational resilience · Check the source

strengthening regulated and control functions, including Financial Crime, to enhance operational resilience and risk management as the business scales.

The annual report states that the company strengthened regulated and control functions, including Financial Crime, to enhance operational resilience and risk management as the business scales.

Binding document · Monzo Bank Holding Group Limited · Check the source

We’ve stress tested our business plan, and our capital and liquidity positions by applying a range of market wide scenarios, which help us to assess the impacts of a severe but plausible stress scenario and how robust our base case plan is to external shocks.

The report states that the business plan, and capital and liquidity positions, were stress tested against a range of market wide scenarios to assess impacts of a severe but plausible stress scenario and the robustness of the base case plan to external shocks.

Binding document · Monzo Bank Holding Group Limited · Going concern basis section · Check the source

The Committee also reviewed management updates on our preparedness to respond to a cyber attack, including scenario testing, and oversaw the Cyber Resilience Testing (CBEST) review.

The report states that the Committee reviewed management updates on preparedness to respond to a cyber attack, including scenario testing, and oversaw the Cyber Resilience Testing (CBEST) review.

Binding document · Monzo Bank Holding Group Limited · Technology, cyber security and information risk · Check the source

This year it made sure we achieved 99.998% availability for Faster Payment System (FPS) processing, and 99.996% availability for card processing, smoothly and safely handling over 8.5m transactions worth over £220m.

The report states that Stand-In achieved 99.998% availability for Faster Payment System (FPS) processing.

Binding document · Monzo Bank Holding Group Limited · In focus: Technology and platform · Check the source

In FY2026, our payments platform achieved 99.995% availability across the year, processing £569.7bn in gross transaction volume

Monzo's annual report states that in FY2026 its payments platform achieved 99.995% availability across the year.

Binding document · Monzo Bank Holding Group Limited · In focus: Technology and platform · Check the source

We continue to invest in international expansion, product innovation, customer acquisition and platform resilience to support our long-term growth.

The CEO's review states that Monzo continues to invest in platform resilience to support long-term growth.

Binding document · Monzo Bank Holding Group Limited · Group Chief Executive Officer's review · Check the source

reflecting continued investment in platform resilience and scalability. The benefits of these investments were demonstrated in January 2026 where Monzo Stand-In allowed us to maintain availability of critical services during a disruption event.

The annual report states that technology investment in platform resilience and scalability enabled Monzo Stand-In to maintain availability of critical services during a disruption event in January 2026.

Binding document · Monzo Bank Holding Group Limited · Check the source

The Bank undertakes an annual Operational Resilience Self- Assessment, which is discussed by the BRC and, if thought fit, approved by the Board. The assessment is principally conducted to ensure that the Bank can restore important business services to customers within impact tolerances to minimise disruption in severe but plausible business disruption scenarios.

The annual report states that the Bank undertakes an annual Operational Resilience Self-Assessment, discussed by the BRC and, if thought fit, approved by the Board, to ensure the Bank can restore important business services to customers within impact tolerances in severe but plausible business disruption scenarios.

Binding document · Starling Bank Limited · Section 172(1) statement - Customers · Check the source

We also intend to transition to a new holding company and internal group structure. This will better position us for long-term growth alongside future-proofing the Bank for ongoing compliance with the Bank of England's resolution requirements.

The Chair statement discloses that the Group intends to transition to a new holding company and internal group structure to future-proof the Bank for ongoing compliance with the Bank of England's resolution requirements.

Binding document · Starling Bank Limited · Chair statement · Check the source

Technology stack purposefully designed for resilience resulting in an industry-leading zero customer downtime

The annual report states that Starling's technology stack was purposefully designed for resilience, resulting in an industry-leading zero customer downtime.

Binding document · Starling Bank Limited · Unmatched operational resilience · Check the source