NPL & IFRS 9: Problem Loans & Distressed Debt Restructuring Masterclass
The stages of restructuring a distressed business — early detection, waiver decisions, insolvency regimes and workout options that maximise recovery for the lender.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
Lending institutions worldwide still carry heavy books of actual or potential non-performing exposures — and every month a distressed borrower drifts unmanaged, recovery value is destroyed. This programme takes a practical route through the stages of restructuring a distressed business: recognising the causes of problem loans early, reading market signals and failure-prediction models, judging waiver requests, and working within insolvency regimes, the lender’s own capital position and the interests of other stakeholders. Illustrated throughout with real-life case studies, the cohort works through the options for resolving both non-performing portfolios and individual loans, and builds a plan for improving their bank’s position.
What you will do
Who attends
- Heads of recovery, restructuring and special asset management (SAMG)
- Heads of credit, risk and legal with their teams
- Heads and managers of corporate finance and loan origination
- Lending, relationship and collections managers
Programme agenda
Built for the decisions no textbook prepares you for
I.Causes and early detection
- Why loans go bad — causes of problem loans
- Market signals and failure-prediction models
- Defining NPL and the indicators of non-performance
II.Diagnosing the distressed borrower
- Problematic business models and contract risk
- Management and ownership strategy and behaviour
- Poor loan structure and choice of financial instruments
III.Insolvency and the legal frame
- Insolvent trading — defining insolvency
- Insolvency regimes, directors’ responsibility and judicial oversight
- Considering the request for a waiver
IV.Restructuring in practice
- The remedial business plan
- Resolving portfolios versus individual loans — real-life case studies
- Action plans to curb the NPL ratio, including 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 № 04 · Africa
Capital frameworks built to run the bank, not to satisfy a filing
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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
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Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.