{
  "firm": {
    "frn": "987654",
    "name": "Pennine Rose Building Society",
    "lei": "QGPENNINEROSE0000039"
  },
  "reportingDate": "2026-06-30",
  "incidents": [
    {
      "incidentRef": "INC-2026-041",
      "summary": "Faster Payments gateway degradation after provider maintenance window overran",
      "affectedIbs": [
        "IBS-1"
      ],
      "detectedAt": "2026-05-03T06:15Z",
      "resolvedAt": "2026-05-03T12:45Z",
      "status": "resolved",
      "thirdPartyRef": "TPA-001",
      "rootCause": "Provider change management — maintenance rollback exceeded window",
      "durationHours": 6.5,
      "toleranceBreached": false
    },
    {
      "incidentRef": "INC-2026-052",
      "summary": "Online banking outage — authentication service failure at hosting provider",
      "affectedIbs": [
        "IBS-3"
      ],
      "detectedAt": "2026-06-11T21:30Z",
      "resolvedAt": "2026-06-12T12:00Z",
      "status": "resolved",
      "thirdPartyRef": "TPA-002",
      "rootCause": "Expired certificate in provider-managed identity service",
      "durationHours": 14.5,
      "toleranceBreached": true
    }
  ]
}