Actively manage and efficiently process non-performing loans
With Credito NPL, banks digitalise the management and processing of non-performing loans – from restructuring through to wind-down – and create the foundation for transparent, efficient and regulatory-compliant management. The specialised software solution helps banks process problem loans in a structured way, identify risks at an early stage and actively manage NPL portfolios.
- Transparency across all problem loan exposures
- Structured workout and wind-down processes
- Support for regulatory requirements
Managing problem loans professionally is becoming increasingly complex for banks
The environment for credit institutions has changed significantly in recent years.
The requirements for professional and traceable management of non-performing loans are continuously increasing. Today, banks must:
- Identify risks at an early stage
- Process problem loans in a structured way
- Meet regulatory requirements
- Operate with limited resources at the same time
On top of this come rising demands from regulation and supervision, for example:
- EBA guidelines on NPL management
- Stricter documentation requirements
- Higher transparency requirements in risk management
For many institutions, problem loan management is therefore becoming a strategic steering field for risk, capital and earnings performance.
Typical challenges in NPL and workout management
In practice, many banks still work with fragmented system landscapes and manual processes.
This often leads to:
- Limited transparency across problem loan portfolios
- High levels of manual processing effort
- Burdensome documentation of regulatory requirements
- Restricted steering options at portfolio level
- Inefficient coordination processes between business units
Particularly as problem loan volumes rise, such structures quickly reach their limits.
The specialised platform for modern NPL management
Credito NPL helps banks map their problem loan management processes in a structured and digital way.
The software provides a central platform for:
- NPL and workout management
- Steering restructuring, recovery and wind-down measures
- Assessment of exposures and strategies
- Complete and traceable documentation of regulatory requirements
- Transparent management of NPL portfolios
The result is a seamless, traceable and efficiently controllable process landscape for non-performing loans.
Four strategic advantages for bank executives
1. Greater transparency across problem loan portfolios
Credito NPL provides a consolidated overview of all problem loan exposures.
Management gains insight at any time into:
• Current exposures
• Processing status
• Planned measures
• Economic development of individual cases
2. Better basis for decision-making
Through structured data and transparent processes, the solution supports well-founded decisions on:
• Restructurings
• Recovery strategies
• Wind-down of exposures, including wind-down strategy
• Portfolio sales
3. More efficient workout and wind-down processes
Standardised workflows and digital processes reduce manual effort and relieve specialised workout units.Especially with rising case numbers, this enables scalable processing of problem loans.
4. Support for regulatory requirements
Credito NPL supports structured and traceable documentation of measures and decisions.This enables banks to efficiently meet requirements from supervisors and regulators.
Future-proof NPL management
Professional management of non-performing loans is increasingly becoming a central part of risk management for banks.
Specialised software solutions such as Credito NPL help to:
- Identify risks at an early stage
- Process problem loans efficiently
- Meet regulatory requirements
- Create transparency for management and supervisors
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