We are missing the real problem
Logic would say that a system that revolves about individuals needs to be able to save, update, delete and backup each individual in a format that allows each individual's associated data to be restored at the same time.
When you delete a master record you cannot just restore that record using the same index. If you only have a infrastructure backup restoration still requires application level dump and restore.
What's worrying is that terms like Fujitsu mainframe and ADABAS take me back to work I did on disaster recovery in 1996 (business continuity). Which suggests that the technology that drives the PNC. is 25 years out of date.
Today we are delivering cutting edge large data solutions but not via AS400s of ADABAS, but via docker, elastic search, kubernetes, cloud internal and external.
Viewing the PNC today from a professional point of view is like walking into the science museum..