Bank Negara Malaysia (BNM) requires that unplanned downtime affecting user interfaces should not exceed four hours within any 12-month rolling period, with a maximum allowable downtime of 120 minutes per incident.

Maybank faced an administrative monetary penalty (AMP) due to multiple instances of unplanned downtime with its regional mobile banking platform and MAE applications from June 1, 2023, to May 31, 2024, which significantly disrupted customer and counterparty services.

CIMB, on the other hand, received an AMP for extended service disruptions from April 8 to 9, 2024, impacting e-banking channels, ATMs, and both debit and credit card services. Both banks' disruptions were above the thresholds set by BNM.

BNM reported that Maybank paid its full penalty on August 8, 2024, while CIMB settled its fine on August 12, 2024.