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 · 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
What does the masterclass teach about catching problem loans early?
It starts with why loans go bad — problematic business models, management and ownership behaviour, poor loan structure and the wrong financial instruments — then covers early detection through market signals and failure prediction models, defining NPLs and their indicators precisely, and assessing what problem loans cost the institution’s soundness and reputation.
Does the course cover IFRS 9 and loan workout?
Yes. The IFRS 9 update and its implications for recognition are covered, alongside the workout itself: considering waiver requests, building remedial business plans, negotiating input and offtake contracts, operating within insolvency regimes — including directors’ responsibilities and judicial oversight — and closing with an action plan to curb the NPL ratio.
Who should attend, and what are the practical arrangements?
The masterclass serves heads of recovery, collections and special asset management, restructuring, risk and credit leadership, lending and relationship managers, and legal teams supporting recoveries. Delivery is in English and French on a rolling calendar, with dates on request; fees and quotations are provided on enquiry, and an in-house edition tailored to your institution is available.
Who teaches this
Practitioners, not presenters.
Led by practitioners who hold, or have held, the seats this programme prepares you for: group treasurers and heads of asset–liability management, chief risk officers, heads of credit and capital management, and former central-bank supervisors who examined the very frameworks they now teach. Between cohorts the same people advise banks on those frameworks, so what you learn is what is being defended in front of boards and regulators today.
What the bench brings
- Credit analysis, underwriting and structuring
- Credit policy design and portfolio diagnostics
- IFRS 9 expected credit loss and PD calibration
- SME and commercial banking credit
- IFRS 9 impairment and expected credit loss models
- Financial-instrument accounting and hedge accounting
Where they have practised
Current and former practitioners — people who hold the seat today alongside those who have held it.
Sectors: Banking & financial services · Professional services · Insurance · Technology & fintech
Regions: Africa · the Middle East · Europe · Asia · the Americas
How they teach
- Live case studies from real institutions
- Worked exercises on realistic bank data
- Regulator-style challenge sessions
- Group problem-solving on realistic institutional cases
- Knowledge checks and a personal action plan
Cohorts are kept small so every exercise is worked on the participants’ own situations — in person or live virtual.
The faculty profile for your cohort is sent with the full agenda and the next dates when you enquire.Request brochure →
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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.