Strategies for Non-Performing Loans Recovery in African Central Banks Seminar
Explore key factors, policy determinations, NPL trends, recovery options, and recommendations discussed at the African Central Banks Seminar on Non-Performing Loans Recovery in June 2021.
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Presentation Transcript
SCFSD/Pres/DLP/7/1/1/1 Resolution Resolution of for for African African Central AACB AACB Seminar Seminar : :June of Non Non- -Performing Performing Loans Central Banks Banks June 2021 2021 Loans: : What What Strategies Strategies Imanuel Imanuel Hawanga Hawanga
OUTLINE Factors of Factors of Policy Policy Determination Determination Concern of Concern of NPL trend NPL trend NPL NPL Recovery Recovery options options Conclusion
NON-PERFORMING LOANS LEVELS Trigger level of NPLs = systemic impact on financial systems Stress testing remains key
KEY FACTORS FOR POLICY DETERMINATION Suitability of policy instruments is determined by : the size of the NPL problem in relation to banks loss- absorbing capacity; the macroeconomic conditions and structural banking sector issues; the type of assets under NPL status; the fiscal space for providing support to the banking sector, if needed; and legal and judicial restrictions.
NPL Recovery Options Debtor focused Debt restructuring Bank focused Write-offs Direct Sales Securitization Asset Management Companies Asset protection schemes
RECOMMENDATIONS Determination of systemic levels Mapping your country characteristics Adoption of relevant policy instruments
