The effective structuring of sub-performing loan management is absolutely essential at banks. Even though the rate of private and corporate insolvencies has declined slightly, they still have a lasting impact on the banks' operating performance. zeb/ supports banks in the effective application of SPL management.
The zeb/sub-performing loan management tool helps you to set up or restructure your SPL operations. Introducing new structures enables the stringent organization of sub-performing loan management and, at the same time, it increases success rates and efficiency. Our consulting services comprise the design of organizational structures and the establishment of an appropriate management system:
- We benchmark your current SPL management structures (success rates, processing costs, processing times and service intensity, etc.)
- Then, we orient your strategic SPL management goals on your bank's specific situation (the state of the regional economy, the bank's risk bearing capacity etc.) and its objectives.
- We help you to ensure that your structures are conducive to the resource-oriented processing of risk-carrying positions.
- We develop detailed process instructions to improve the recapitalization success rates and liquidation quotas.
- We evaluate sourcing alternatives such as sale, outsourcing SPL processing or the involvement of external experts.
- We join forces with you to develop a management system and integrate it in the overall bank management concept.
- By introducing a profit center concept, we create an opportunity to monitor the achievement of SPL targets and to establish an incentive system for your staff.