Corporate and SME Workouts

Bank loans can become non-performing because of problems with the borrower s financial health, problems with the design or implementation of lender protection features, or both. In ascertaining how to deal with a problem loan, it is important to distinguish between a borrower s ability to pay and willingness to pay, Making this distinction is not always easy and requires effort. This manual was written as a guide for lending institution staff dealing with non-performing loans (NPLs) extended to corporations and small and medium enterprises (SMEs). It deals with both ad hoc and systemic financial distress and delves into how borrower problems may have arisen in the first place. It provides guidance to lending institutions staff responsible for handling individual problem loans and to senior managers responsible for organizing portfolio-wide asset resolution.

Bibliographic Details

Main Author:	International Finance Corporation
Format:	Working Paper biblioteca
Language:	English en_US
Published:	Washington, DC 2011-06
Subjects:	ACCOUNTING, ACCOUNTS RECEIVABLE, ARBITRATION, ARREARS, ASSET CLASSIFICATION, ASSET PRICE, ASSET QUALITY, ASSET RESOLUTION, ASSET SALES, BALANCE SHEET, BANK BALANCE SHEETS, BANK LOAN, BANK LOANS, BANKING REGULATIONS, BANKING SECTOR, BANKING SYSTEM, BANKRUPTCY, BANKRUPTCY COURT, BANKRUPTCY FRAMEWORK, BANKRUPTCY LAW, BANKRUPTCY LAWS, BANKRUPTCY PETITION, BENEFICIARY, BORROWER, BUSINESS BORROWER, BUSINESS PLAN, CASH FLOW, CASH FLOWS, CASH MANAGEMENT, CASH SHORTAGES, CENTRAL BANKS, CHANGES IN OWNERSHIP, CLAIMANTS, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKS, COMPANY LAW, COMPANY LOAN, CONCESSION, CONFLICT OF INTEREST, CONFLICTS OF INTEREST, CONSEQUENCES OF BANKRUPTCY, CONSUMER LOANS, CONTINGENCY PLANNING, CONTRACT LAW, CONVERSIONS, CORPORATE GOVERNANCE, CORRUPTION, COSTS OF COLLECTION, COUNTRY RISK, CREDIBILITY, CREDIT RISK, CREDITOR, CREDITORS, CURRENCY, DEBT, DEBT FINANCING, DEBT FORGIVENESS, DEBT INSTRUMENTS, DEBT OBLIGATIONS, DEBT PAYMENT, DEBT RELIEF, DEBT-EQUITY, DEBT-EQUITY SWAPS, DEBTOR, DEBTS, DEFAULTS, DISBURSEMENT, DISPUTE RESOLUTION, DISPUTE RESOLUTION MECHANISM, DISTRESSED ASSET, ENCUMBRANCES, ENFORCEABILITY, EQUIPMENT, EQUITY CONVERSION, EQUITY CONVERSIONS, EQUITY INVESTMENTS, EQUITY WARRANTS, ESTATE, EXPORTERS, EXTERNAL DEBT, FILING FOR BANKRUPTCY, FINANCE CORPORATION, FINANCIAL CRISES, FINANCIAL CRISIS, FINANCIAL DIFFICULTY, FINANCIAL DISTRESS, FINANCIAL HEALTH, FINANCIAL INFORMATION, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL PROBLEMS, FINANCIAL REPORTING, FINANCIAL STATEMENTS, FORECLOSURE, FOREIGN EXCHANGE, FOREIGN EXCHANGE RESERVES, FRAUD, FREE MARKET, FUTURE FINANCIAL CRISIS, GOING-CONCERN, GOVERNMENT DEBT, GOVERNMENT INTERVENTION, ILLIQUIDITY, INDEBTEDNESS, INDIVIDUAL LOAN, INDIVIDUAL LOANS, INFORMATION SYSTEM, INFORMATION SYSTEMS, INFORMATION TECHNOLOGY, INSOLVENT, INSOLVENT BANKS, INSURANCE, INSURANCE POLICIES, INSURANCE PREMIUMS, INTEREST CALCULATIONS, INTEREST PAYMENT, INTERNATIONAL BANK, INTERNATIONAL FINANCE, INVENTORY, INVESTING, JUDGMENT, JUDGMENTS, JURISDICTION, JURISDICTIONS, LEGAL ACTION, LEGAL ENVIRONMENT, LEGAL PROCEDURES, LEGAL REQUIREMENTS, LEGAL SYSTEMS, LENDER, LENDERS, LETTERS OF CREDIT, LEVERAGE, LIABILITY, LIENS, LINES OF CREDIT, LIQUID ASSETS, LIQUIDATION, LIQUIDATION PROCEEDINGS, LIQUIDITY, LIQUIDITY RISK, LOAN, LOAN ACCOUNT, LOAN ACCOUNTS, LOAN AGREEMENT, LOAN AGREEMENTS, LOAN AMOUNTS, LOAN BALANCE, LOAN CATEGORIES, LOAN CLASSIFICATION, LOAN DOCUMENTATION, LOAN MONITORING, LOAN OFFICER, LOAN OFFICERS, LOAN PAYMENTS, LOAN PORTFOLIO, LOAN PORTFOLIOS, LOAN RECOVERY, LOAN REPAYMENT, LOAN RESOLUTION, LOAN TERMS, LOCAL BANK, LONG-TERM LIABILITIES, MAKING PAYMENTS, MARKET COUNTRIES, MARKET RISK, MARKETABLE SECURITIES, MATURITIES, MATURITY, MATURITY MISMATCHES, MINORITY SHAREHOLDERS, MORTGAGE, NEGOTIATIONS, NET PROFITS, NON-PERFORMING LOAN, NON-PERFORMING LOANS, NONPAYMENT, NPL, OBLIGATIONS TO CREDITORS, OUTSTANDING DEBT, OVERSEAS DEBT, PARTNER BANKS, PAYMENT DEFAULT, PAYMENT HISTORY, PAYMENT OBLIGATIONS, PAYMENT PROBLEM, PAYMENT PROBLEMS, PENALTY, PLEDGES, PORTFOLIO, PORTFOLIO SUPERVISION, POTENTIAL BORROWER, PRIORITY OF CLAIMS, PRIVATE EQUITY, PROCUREMENT, PROFIT MARGINS, PROPERTY TAXES, PUBLIC SECTOR DEFICITS, REAL ESTATE COLLATERAL, REGULATORY AUTHORITIES, REMEDIES, REPAYMENT, RETURN, RETURNS, RISK MANAGEMENT, RISK MANAGEMENT SYSTEM, SECURITY AGREEMENTS, SECURITY INTEREST, SECURITY INTERESTS, SETTLEMENT, SHAREHOLDER, SHAREHOLDERS, SHORT-TERM BORROWING, SMALL BUSINESS, STOCK OPTIONS, SUBORDINATED DEBT, SUPERVISORY BOARD, SURETY, TITLE, TRADE UNIONS, TRANSACTION, TRANSFER OF RESPONSIBILITY, TRANSFER OF SECURITY, TRANSPARENCY, TRUSTEE, TURNOVER, UNSECURED CLAIMS, VALUATION, VOIDABLE PREFERENCE, VOIDABLE PREFERENCES, WARRANTS, WILLINGNESS TO PAY, WORKING CAPITAL, WORKOUT, WORKOUTS,
Online Access:	http://documents.worldbank.org/curated/en/2011/06/24102450/corporate-sme-workouts-manual-best-practice https://hdl.handle.net/10986/21740
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