SBS Resolution No. 03231-2025: Modifies the effective dates established in Article Four of SBS Resolution No. 814-2025 for companies other than those with market concentration and the National Bank; and issues other provisions

Los Laureles Nº 214 - Lima 27 - Peru Tel.: (511) 6309000 Lima, September 10, 2025 SBS Resolution No. 03231-2025 The Superintendent of Banks, Insurance and Private Pension Fund Administrators, CONSIDERING That by means of SBS Resolution No. 814-2025, SBS Resolution No. 877-2020, which approves the Regulation for Business Continuity Management, as well as SBS Resolution No. 2755-2018, which approves the Regulation on Infractions and Sanctions, were modified, with the objective of adapting the regulation to the current context of high digitalization of services offered by companies in the financial system, and introducing the requirement to achieve a Point of Recovery (POR) equal to zero; That Article Four of the aforementioned SBS Resolution No. 814-2025 establishes that the obligation to comply with a POR equal to zero takes effect starting January 1, 2026 for companies other than those with market concentration and the National Bank; That according to information provided by supervised companies subject to said requirement, as well as the evaluation conducted by this Superintendency, it has been determined that both companies other than those with market concentration and the National Bank require an additional period beyond what is provided in SBS Resolution No. 814-2025, in order to implement the necessary adjustments in their technological systems and comply with the requirement to achieve a POR equal to zero, considering that this represents a technical and structural challenge for financial system companies, as it requires a redesign of information technology architectures; Having obtained the approval of the Adjunct Superintendencies of Banking and Microfinance, and Regulation and Legal Affairs, as well as the Risk Management Department; and, In exercise of the powers conferred by numerals 7 and 9 of Article 349 of the General Law of the Financial System and of Insurance, and the Organic Law of the Superintendency of Banking and Insurance, Law No. 26702 and its amendments, and based on the provisions of the Thirty-Second Final and Complementary Provision of the General Law; RESOLVES:
Article One.- For companies other than those with market concentration and the National Bank, the effective dates established in Article Four of SBS Resolution No. 814-2025 corresponding to the Second Final and Complementary Provision of the Regulation for Business Continuity Management, approved by Resolution No. 877-2020 and its amendments, and to the infraction typified in numeral 83 of Section II of Annex 2 of the Regulation on Infractions and Sanctions, approved by SBS Resolution No. 2755-2018 and its amendments, are modified, postponing such effective dates to July 1, 2026. Companies with market concentration are those referred to in Article 14 of the aforementioned Regulation for Business Continuity Management.
Article Two.- This Resolution takes effect on the day following its publication in the Official Gazette "El Peruano".
Registered, communicated and published.
SERGIO JAVIER ESPINOSA CHIROQUE
Superintendent of Banks, Insurance and AFP