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Guidance desk
1–2 of 2 published guides-
01
GuideThe NPL Is Too Late: Why Stressed Loans Need an Asset Record Before Default
India’s largest asset-reconstruction market is starting to move upstream from buying non-performing loans into servicing loans before they become NPAs. Asset Reconstruction Company (India), or Arcil, is launching collections-as-a-service for banks and other financial institutions, explicitly targeting SMA-1 and SMA-2 accounts as well as NPAs. The shift matters because a loan does not suddenly become an operationally complex asset on day 91. Payment events, contact history, promises to pay,...
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- Servicer
- Asset
- Debt portfolio
- Stage
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- Topics
- loan state history non performing loans credit data and risk
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02Guide
The NPL Ratio Is Low—But the Risk Has Not Disappeared
Euro area banks still report historically low aggregate NPL ratios, yet the ECB is seeing rising bankruptcies, vulnerable forborne exposures and a tightening effect from credit-quality indicators. For servicers and portfolio managers, the lesson is clear: problem-loan management depends on current loan-by-loan evidence, not only a headline NPL ratio.
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