Credit Follow-Up and Management of Non-Performing Debts Institute of Banking Studies

Objectives :

  • Introduce participants to the concepts of control and management of bad debts and their causes and the procedures followed in each. 
  • inform participants on the concept and founded the classification of credit facilities by the Central Bank instructions and mechanisms for provisioning and configuring benefits.

Contents :

  • Control over credit:
  • The purpose of the control unit to credit and its functions.
  • Control over credit granting and renewal.
  • Control of the use of facilities by type and end:
  • Controls on the use of loans and the use of overdrafts and the use of bank debit ceiling and the use of the trade discount and the use of renewable loans and the use of indirect ceilings.
  • Control over legal documents and guarantees.
  • Early indicators for the observation and monitoring of the negative rating accounts.
  • Control over Mrkzaat risks.
  • Review exceptional credit relationships.
  • Total control over the purse facilities.
  • Monitoring and supervisory tools and an early warning system.
  • Bad debt management:
  • Concept and aspects of financial distress.
  • The causes of financial distress and predictable.
  • Actions to be followed to deal with non-performing debts and the steps which have not been converted to legal proceedings.
  • Actions to be followed to address the debts subject to legal procedures and steps.
  • Bad debt treatment.
  • Classification of facilities according to the central bank instructions:
  • The concept of classification and founded.
  • Classification of credit facilities.
  • Provisioning and suspension of benefits.
  • The concept of credit concentrations and the central bank's comments about them.
  • The role and importance of information systems in the activation of the control and management of the facilities.

The Central Bank of Jordan began in 1965 to study the necessary means of setting up a team for theoretical and practical training aimed at promoting human cadres of the banking and financial sector and study its employees needs and satisfy their desires to advance their scientific and practical abilities . These efforts culminated in the creation of the Institute of Banking Studies in accordance with Article (37) Paragraph (d) of the Central Bank of Jordan Law and in accordance with the Institute,s Articles of Association No. (69) issued on 1970. The Institute   was   officially   inaugurated on   October 9, 1971 and was housed then at the Central Bank,s premises.

In the early 1990,s , the  Institute  witnessed a new stage ; the construction of the Institute,s permanent   headquarter   in  Tla,a  Al  Ali ,  a suburb of the capital  Amman . The complex was constructed on an eight dunums plot of land and comprised of administration units, academic and training activities halls, library, laboratories, cafeteria, health clinic and a multipurpose hall. Also , the Institute has two branches, one in Irbid and the other in Aqaba.  The purpose of  these  branches is to widen the distribution of academic and training activities conducted  by the Institute to cover the various regions of the Kingdom.

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