Certified Expert in NPL Management & Investment - Lehrgang von Frankfurt School of Finance & Management gGmbH

Inhalte

Unit 1: Course introduction, and the context for NPLs and private sector debt 

  • Private debt and NPLs after the COVID recession 
  • The context for NPL restructuring

Unit 2: Debt distress: the early warning indicators

  • Arrears, default, and the NPL life cycle

  • Corporate debt distress: setting up an early warning system

  • Household over-indebtedness

  • Descriptive portfolio statistics to track arrears

  • Pre-default corrective action plans and loan forbearance

  • State-sponsored borrower relief measures

Unit 3: Impairment and defaults: regulation and accounting practice

  • Why bank asset quality definitions vary so widely

  • Reporting problem loans

  • Standards in the EU

  • The accounting framework: IFRS and expected credit losses

  • Integrating three perspectives on bad loans and flexibility in a recession

Unit 4:  Supervision and NPL management

  • Why supervisors care: high NPL banks are weak banks 

  • The response from supervisors: NPL guidelines from the ECB and European Banking Authority

  • Best practice: the ECB guidance to banks on non-performing loans

Unit 5: Policies and institutions in NPL crisis

  • Past debt crises in Asia and Europe

  • Lessons from past crises

  • Asset management companies

  • Rules for state aid to banks

  • Asset transfers and bank resolution

Unit 6: Insolvency regimes and asset recovery    

  • How the insolvency regime shapes creditor rights

  • Elements of effective insolvency regimes

  • Assessing insolvency regimes in practice

  • Pre-insolvency restructuring in Europe                

Unit 7: Out-of-court workouts

  • The path to the out-of-court workout

  • Organising multi-creditor workouts

  • The restructuring plan

  • Deciding between alternative options

Unit 8: Case studies of corporate restructuring and insolvency

  • Case study no. 1: timely restructuring

  • Case study no. 2: multi-creditor restructuring of a hotel group

  • Case study no. 3: multi-creditor restructuring of an SME

  • Case study no. 4: bankruptcy of an unviable company

Unit 9: Restructuring household loans and arrears management

  • Household over-indebtedness 

  • The bank’s rights in a personal insolvency
  • Mortgage restructuring and borrower protection
  • Arrears management and responsible collections
  • Efficient and targeted arrears management

Unit 10: Loan sales and securitisations

  • Loan sales in the workout strategy 

  • The secondary loans markets in Europe and emerging markets

  • The regulation of loan transfers and external servicing

  • The distressed asset transfer process

  • NPL securitisations

Lernziele

At the end of the course you will be fluent in engaging with supervisors, other insolvency professionals and with investors in complex distressed situations. You will be in a position to negotiate for instance in a creditor committee, or to navigate the court system in an insolvency. These will be key skills for your organisation in the coming years.

Zielgruppen

Bank management and staff, financial supervisors, and investors who are working on developing a strategy for managing distressed loans and NPLs. All who need to develop a comprehensive understanding of recent regulations, and the institutions and legal context that will govern NPL management and debt restructuring. Consultants and other insolvency professionals will also benefit, as on the basis of this course they will command the strategic and regulatory framework that promotes the resolution of private sector debt distress.  

SG-Seminar-Nr.: 5756651

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