Good Loans vs Bad Loans: Effective NPA/NPL Management and IFRS 9 Update Masterclass
Problem loans caught early and worked hard — failure prediction, restructuring, insolvency regimes and an action plan for the NPL ratio, with the IFRS 9 dimension.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
A rising NPL ratio taxes an institution twice — once through the balance sheet, and again through its soundness and reputation. This masterclass works the problem loan from cause to cure. It begins with why loans go bad: problematic business models, management and ownership behaviour, poor loan structure and the wrong financial instruments. It then covers early detection through market signals and failure prediction models, defining NPLs and their indicators, and assessing what problem loans cost the institution. The cohort works through waiver requests, remedial business plans, negotiating input and offtake contracts, insolvency regimes and directors’ responsibilities — closing with an action plan to bend the NPL ratio, including the Small Debt Resolution Committee route and the IFRS 9 update.
What you will do
Who attends
- Heads of recovery, collections and special asset management (SAMG)
- Heads of restructuring, risk and credit, and their teams
- Lending managers, corporate finance and relationship managers
- Legal teams and senior staff supporting recoveries
Programme agenda
Built for the decisions no textbook prepares you for
I.Why loans go bad
- Causes of problem loans and early detection
- Market signals and failure prediction models
- Problematic business models and ownership behaviour
- Poor loan structure and choice of financial instruments
II.Measuring the damage
- Defining NPLs and the indicators of non-performing loans
- The cost of problem loans to soundness and reputation
- The IFRS 9 update and its implications for recognition
III.Working the loan
- Considering the request for a waiver
- The remedial business plan
- Negotiating input and offtake contracts
IV.Resolution
- Insolvent trading and insolvency regimes: directors’ responsibility, judicial oversight
- An action plan to curb the NPL ratio
- Assistance from the Small Debt Resolution Committee
Frequently asked
Do these programmes cover the Basel III final reforms and the ICAAP/ILAAP cycle?
Yes. The BIZENIUS banking curriculum is built around the Basel III endgame, ICAAP, ILAAP, IRRBB, IFRS 9 provisioning, stress testing and BCBS 239. Participants leave able to quantify the output floor on their own portfolios, write capital and liquidity documents that withstand supervisory review, and defend the numbers to their board.
Are the programmes adapted to regional supervisors such as SAMA, CBUAE or BCEAO?
Casework is built around supervisory documents rather than textbook theory, and faculty include former practitioners who have sat on both sides of an examination. Programmes address the questions SAMA, CBUAE, BCEAO and other home regulators actually put to the desk, and an in-house edition can be tailored to a single jurisdiction.
How do I secure a seat on a banking programme?
Apply for a seat or request the brochure from the programme page. A senior practitioner — not a sales team — responds within one business day, and the brochure arrives with that reply. BIZENIUS runs on enquiry: there is no online checkout.
Can a programme run in-house for our bank?
Every BIZENIUS programme can be delivered in-house, tailored to your balance sheet, your regulator and your data, in English or French. Many institutions start with an open cohort, then commission a private edition for the wider team.
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In their words
Knowledge transfer, emphasised throughout
“We worked with BIZENIUS for our Fresh Graduates Programme — they are simply amazing. Knowledge transfer and practical learning were emphasised throughout.”
Kuwait Investment Authority
From the Mandate Record
Mandate № 01 · Africa
The training programme that became national regulation
What the team mastered, the regulator wrote into the rulebook.
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The Capability Arc™
Fix it · Advisory
Advisory & Consultancy
A senior bench across risk, treasury and regulation.
Learning is one point on the Capability Arc. Many institutions pair this programme with the advisory engagement — and automate what the framework demands.
Teams from these institutions train with BIZENIUS
Banking & Finance
Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.