Development of an NPL Servicer’s Business Plan
Financial intermediary specialising in NPL valuation with a portfolio of more than €10bn
In the “start-up” phase, the Top Management requested the support of Macfin to elaborate the business plan and set up the process, the strategic planning and reporting tools.
Goals
Develop the expected evolution of the NPL portfolio
(i.e. GBV, NBV, Income) and the effects on the economic and financial profile of the Company
Verify consistency
of the evolution of the economic-financial profiles with the corporate strategy and the propensity to risk defined by the corporate units
Encourage implementation
of tools and methodologies for economic-financial modelling and reporting in support of strategic decisions and risk analysis and management processes by the Administration and Finance Area
Activity
Preliminary analysis of the credit portfolio
and the available and necessary databases for the development of the Company's forecast plan
Definition of the methodological approach
for the development of the most important economic, equity and financial figures and for conducting the what if scenario analysis
Construction and Calculation Model
including the economic and financial dynamics, the tax effects and the estimation of the capital ratios provided for in the supervisory regulations
Elaborazione del Report
with the results of the quantitative analysis conducted on the NPL portfolio and the assumptions considered for the development of the aggregates and arranged scenarios
Results
Implementation of a predictive tool
customized on the business model, easily updatable and modifiable to respond to the information needs of top management, and can be integrated with the calculation models used by the Risk Management function within ICAAP
Preparation for Corporate Units
clear, concise and effective information on company planning and the results of the evolutionary analysis conducted on the credits portfolio
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