EXUS Collections & Recovery Blog

NPLs in China: How is the government tackling bad debt?

Posted by Chris Maranis on Thu, Jul 11, 2019 @ 12:31 PM

China boasts perhaps one of the most interesting (and certainly one of the largest) economies on the planet. The world’s largest exporter has maintained steady growth over the last 25 years, and whilst that economy might have slowed recently (due in no small part to an escalating trade war with the United States), by-and-large, China’s economy is still in a healthy place. 

Indeed, economists are predicting a growth of 6.3% throughout 2019. However, whilst still growth, it is the weakest seen on record since 1990. Analysts predict a further loss of momentum until policy support steps start to kick in.


EXUS Insights: Non-Performing Loans in India

Posted by Chris Maranis on Wed, Jun 06, 2018 @ 02:18 PM

The story

Non-performing loans are a huge problem across the Indian subcontinent, impacting the capital adequacy of developing economies in Bangladesh, India and Pakistan.

These unrecovered loans have created overhanging debt and concerns around the banking sector’s credit quality - and that’s become a major drag factor on economic growth and investment from abroad.


When it comes to debt collections, mobile technology can bridge the gap between banks and their millennial customers

Posted by Chris Maranis on Mon, Sep 12, 2016 @ 01:18 PM

Several years on from the world financial crisis, banks still have to deal with its consequences. Besides the financial impact and the damage to their reputations, banks have had to learn to operate in a new world – a world of flat economies and rising levels of customer debt. Non-performing loans have increased and customer indebtedness, in general, has been seen to have a significant effect on the banks’ net profitability. Increasing collection costs, growing bad debt write-offs, and the requirements for higher provisions against loan losses have all combined to make managing credit loss a key business driver, with a direct impact on the banks’ profits.


How Banks Need to Respond to the Rise in Non-Performing Loans

Posted by Chris Maranis on Mon, May 02, 2016 @ 02:07 PM

We all know the global financial crisis changed retail banking as usual. Investor confidence and credit availability plummeted. Consumer debt levels rose. Economies flattened worldwide.