Background:

In today’s increasingly volatile banking environment, Credit Risk Management has evolved beyond a traditional control function to become a strategic driver of institutional resilience, financial sustainability, and long-term profitability. This transformation is particularly critical for banks operating in emerging and stressed markets, where economic uncertainty, market volatility, geopolitical pressures, inflationary trends, foreign exchange fluctuations, and evolving borrower risk profiles continue to reshape the banking landscape.

Banks are increasingly required to strengthen their ability to identify, assess, monitor, and mitigate credit risk while maintaining sound portfolio quality, regulatory compliance, and sustainable growth objectives. At the same time, the final Basel III reforms and evolving supervisory expectations have significantly transformed the regulatory framework governing capital adequacy, provisioning, portfolio management, stress testing, governance, and enterprise-wide risk oversight.

In high-risk and uncertain operating environments, banking institutions must also enhance their resilience toward concentrated exposures, stressed borrowers, liquidity pressures, deteriorating asset quality, and changing market conditions. This requires stronger credit governance frameworks, enhanced early warning systems, prudent risk culture, and more forward-looking credit decision-making approaches aligned with international best practices and IFRS 9 requirements.

This highly practical workshop is designed to provide participants with a comprehensive and applied understanding of modern Credit Risk Management practices within today’s complex banking environment. The program combines international best practices with practical banking applications relevant to regional banking realities and focuses on the full credit risk lifecycle — from borrower assessment and credit underwriting to portfolio monitoring, regulatory compliance, problem loan management, and strategic risk oversight.

Through practical case studies, applied discussions, and real-world banking examples, participants will gain valuable insights into the methodologies, tools, governance frameworks, and strategic approaches required to strengthen institutional resilience, enhance credit quality, optimize risk-adjusted returns, and support sound banking decision-making in increasingly challenging operating conditions.