Support for new investments
Portfolio data analysis (ID Analyzer)
- Comprehensive portfolio report based on granular loan data
- Identification of hidden issues in the portfolio, e.g. unflagged restructuring
- Calculation of expected credit loss (ECL)
- Vintage analysis and other analytical dimensions
Portfolio assessment and review of credit risk management
- Portfolio data analysis (Level 1), plus:
- Sample review of client loan exposures
- Review and assessment of key lending processes and underwriting
- Observations and recommendations on lending process, underwriting, loan recovery
Institutional due diligence
- Portfolio assessment and review of credit risk management (Level 2), plus:
- Review and assessment of financials and financial projections
- Review of other selected operational areas (e.g. deposit attraction)
- Assessment of institutional capacity and competency
Financial restructurings
Analysis – Level 3 review, including
- Review of strategy and business operation
- Credit risk assessment and loan portfolio review, incl. ECL
- Financial due diligence
- Review of financial projections, taking into account identified portfolio issues, provisioning needs, productivity levels, and available management capacity
Restructuring solutions
- Restructuring proposal as a basis for negotiation among stakeholders
- Strategy revision / adjustment
- Support during negotiations
Other services
- Monitoring to ensure implementation of agreed actions
- Provision of accompanying measures to support turnaround
- Managing wind-down and providing equity fronting
- Equity valuation
