The Bank of Ghana has intensified its focus on the level of non-performing loans (NPLs) within Ghana's financial sector. For financial institutions, NPL reduction is not merely a recovery-department function. It is a strategic balance-sheet priority.
Experts Consult Limited has introduced the Experts NPL Reduction Programme, a five-stage portfolio-management approach that moves accounts from diagnosis to recovery, settlement, enforcement and transparent reporting: Portfolio Diagnostic, Rapid Recovery, Restructuring & Settlement, Legal Recovery & Enforcement, and Reporting & Portfolio Intelligence.
For institutions seeking rapid action, the 90-Day NPL Recovery Accelerator runs in four phases: portfolio onboarding and recovery strategy (days 1-15), intensive debtor engagement and negotiations (days 16-30), recovery, restructuring recommendations and escalation (days 31-60), and aggressive follow-up with a portfolio performance review (days 61-90).
Institutions can start with a pilot portfolio, agree the KPIs, test our performance over 90 days and expand the relationship based on demonstrated results. When our client succeeds, Experts Consult succeeds.