Non-Performing Loans Management & Debt-Recovery Strategies Training

Program Overview

Non-Performing Loans (NPLs) remain one of the most pressing challenges for banks and financial institutions worldwide. Rising default risks, evolving regulatory frameworks, and economic uncertainties have underscored the urgent need for innovative, structured approaches to NPL monitoring and recovery. This five-day intensive program in Hanoi equips participants with the latest tools, techniques, and strategies to effectively manage distressed loan portfolios while maintaining financial stability.

Through a combination of expert-led sessions, case studies, and hands-on simulations, participants will explore NPL lifecycle management, early warning systems, monitoring techniques, negotiation and restructuring skills, and various recovery frameworks. Drawing on regional and global experiences from Asia, Europe, and Africa, the course highlights successful resolution models such as Asset Management Companies, securitization, and legal recovery strategies.

Non-Performing Loans Management & Debt-Recovery Strategies Training in Vietnam also integrates emerging industry practices including AI-driven credit monitoring, predictive analytics, fintech solutions, and updated regulatory requirements (IFRS 9, Basel III)—to prepare participants for the future of NPL management. By the end of the training, attendees will be able to design proactive strategies, strengthen negotiation outcomes, and implement sustainable recovery frameworks tailored to their institutional and regional contexts.

Target Audience

This program is designed for professionals engaged in banking, finance, and credit risk management, including but not limited to:

• Bankers, financial analysts, and credit officers
• Risk management professionals and compliance managers
• Loan recovery managers and asset managers
• Regulators and policymakers in financial supervision
• Consultants and professionals involved in distressed asset management

Program Objectives

Upon the successful completion of this intensive training course, the participants will be able to demonstrate the solid understanding of:

• Understand the root causes, classifications, and impacts of Non-Performing Loans (NPLs).
• Design and implement comprehensive NPL monitoring frameworks using early warning signals.
• Apply advanced techniques to monitor, track, and manage NPL portfolios.
• Develop and practice negotiation skills for restructuring and borrower engagement.
• Apply various recovery techniques including restructuring, collateral enforcement, and legal recovery.
• Get exposure to the management of NPLs and various recovery strategies in global banking contexts.
• Leverage technology, AI, and data analytics to enhance NPL detection and recovery.
• Align recovery practices with regulatory frameworks and provisioning standards (IFRS 9, Basel III, Central Bank Guidelines).

Program Contents

First Day: Foundations of NPLs

• Defining Non-Performing Loans: classification, causes, and trends
• Macroeconomic and institutional impacts of NPLs on financial stability
• Global & regional perspectives: NPL challenges in Asia, Africa, and Europe
• Early warning signs of distressed loans
• Exercise: Mapping sector-specific causes of NPLs

Second Day: Monitoring & Early Detection

• How to monitor NPLs – portfolio-level vs. borrower-level monitoring
• Techniques of monitoring NPLs – key ratios, stress tests, trend analysis
• Designing effective Early Warning Systems (EWS)
• Integration of AI, data analytics, and predictive modeling in NPL monitoring
• Workshop: Building a sample monitoring dashboard

Third Day: Negotiation & Restructuring Skills

• Principles of negotiation in distressed loan situations
• Engaging borrowers: balancing assertiveness and empathy
• Restructuring strategies: refinancing, rescheduling, and concessions
• Alternative dispute resolution in debt settlements
• Role-play simulation: Bank vs. borrower restructuring negotiations

Fourth Day: Recovery Frameworks & Global Strategies

• Various recovery techniques:
• Collateral enforcement & repossession
• Legal enforcement and court-supervised recovery
• Role of Asset Management Companies (AMCs) and “bad banks”
• Case Studies: Successful NPL Resolution Strategies
• Asia – India & China stressed asset funds
• Europe – EU’s “bad banks” (Ireland’s NAMA, Spain’s SAREB)
• Africa – Nigeria’s AMCON, Kenya & Ghana’s regulatory frameworks, South Africa’s workouts
• Group Work: Designing a comparative regional recovery framework

Fifth Day: Innovation, Regulation & Future Readiness

• Leveraging fintech & technology: AI, blockchain, and digital platforms in NPL recovery
• Regulatory updates: IFRS 9, Basel III, and central bank requirements
• Stress testing and scenario planning for NPL portfolios
• ESG considerations in loan restructuring and recovery
• Capstone Exercise: End-to-end NPL management simulation (monitoring → negotiation → recovery strategy)
• Wrap-up & Action Plan

Program Methodology

The Non-Performing Loans Management & Debt-Recovery Strategies Training in Hanoi will follow a highly interactive methodology that blends expert-led lectures with delegate discussions, case study analysis, simulations, and group assignments. Participants will learn not only through structured content delivery but also by engaging in real-world scenarios, role-play negotiations, and problem-solving exercises that mirror their own institutional challenges. Active debate and peer-to-peer exchange will be encouraged throughout, ensuring that every concept is contextualized and directly relevant to participants’ working environments.

Host Country Profile

Hanoi has emerged as a dynamic financial hub in Southeast Asia, where the banking sector is actively addressing challenges related to non-performing loans. Vietnam has made significant progress in reducing NPL ratios through regulatory reforms, asset management companies, and innovative recovery strategies that are now considered regional success stories. Hosting the program in Hanoi provides participants with a unique opportunity to learn in a market that has firsthand experience with large-scale NPL restructuring, while also engaging with local experts, regulatory perspectives, and case studies that can be applied across other banking environments. The city also offers a strategic location for participants from Asia, Africa, and the Middle East, ensuring diverse peer-to-peer exchange in an accessible, vibrant setting.

Course Deliverables

Participants will enjoy a full-service experience that covers everything needed before, during, and after the program:

Before the Program

During the Program

• Airport Pickup & Welcome Assistance
• Accommodation with Breakfast for the full duration
• Welcome Dinner for networking and connecting with fellow Participants & the Risalat Team
• Risalat Training Kit, including: bag, water bottle, coffee mug, t-shirt, cap, passport cover, pens, notebook, magnet, keychain
• Lunch Provided Daily during training days
• Comprehensive Course Manual & Training Materials
• Project-Based Templates, Tools, and Worksheets
• Mini Pad / Tablet for convenient access to digital resources
• Digital Case Studies, Reading Packs & Reference Materials
• Access to Sample Datasets & Practical Exercises
• Field Visit (where applicable)
• Complimentary Refreshments & Full Training Venue Facilities
• Access to Online Learning Resources
• Entertaining City Tour
• Certificate of Completion
• Risalat Program Participation Recognition Award

After the Program

• Post-Training Support & Follow-Up Guidance
• Program Report