{"id":3114,"date":"2025-09-10T18:50:48","date_gmt":"2025-09-10T16:50:48","guid":{"rendered":"https:\/\/antheusadvisors.com\/non-strategic-assets-npls-strategic-leverage-for-an-amplified-bank\/"},"modified":"2025-09-11T09:12:31","modified_gmt":"2025-09-11T07:12:31","slug":"non-strategic-assets-npls-strategic-leverage-for-an-amplified-bank","status":"publish","type":"post","link":"https:\/\/antheusadvisors.com\/en\/non-strategic-assets-npls-strategic-leverage-for-an-amplified-bank\/","title":{"rendered":"Non-Strategic Assets (NPL) \u2014 a strategic lever for an Amplified Organization"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Features” _builder_version=”4.27.4″ _module_preset=”_initial” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0) 0%|#00205b 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.5)” background_color_gradient_end=”rgba(0,0,0,0.75)” background_image=”https:\/\/antheusadvisors.com\/wp-content\/uploads\/2025\/09\/NPL-scaled.png” custom_padding=”8%||0px||false|false” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Points of view” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h4″ title_font=”Poppins|Poppins_weight||on|||||” title_text_color=”#FFFFFF” title_font_size=”14px” title_letter_spacing=”1px” title_line_height=”1.4em” custom_margin=”||10px||false|false” title_font_size_tablet=”13px” title_font_size_phone=”13px” title_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_heading title=”Non-Strategic Assets (NPL) \u2014 a strategic lever for an Amplified Organization” _builder_version=”4.24.2″ _module_preset=”default” title_font=”Poppins|Poppins_weight|||||||” title_text_color=”#FFFFFF” title_font_size=”72px” title_line_height=”1.15em” title_font_size_tablet=”40px” title_font_size_phone=”24px” title_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_text quote_border_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” text_font=”Poppins|Poppins_weight|||||||” text_text_color=”#FFFFFF” text_font_size=”16px” text_line_height=”1.75em” link_font=”||||on||||” link_text_color=”#FFFFFF” quote_font=”Poppins|Poppins_weight|||||||” quote_text_color=”#FFFFFF” header_font=”Poppins|Poppins_weight|||||||” header_text_color=”#FFFFFF” header_font_size=”72px” header_line_height=”1.15em” header_2_font=”Poppins|Poppins_weight|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”50px” header_2_line_height=”1.2em” header_3_font=”Poppins|Poppins_weight|||||||” header_3_text_color=”#FFFFFF” header_3_font_size=”32px” header_3_line_height=”1.3em” header_4_font=”Poppins|Poppins_weight|||||||” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” header_4_line_height=”1.4em” header_5_font=”Poppins|Poppins_weight|||||||” header_5_text_color=”#FFFFFF” header_5_font_size=”18px” header_5_line_height=”1.4em” header_6_font=”Poppins|Poppins_weight|||||||” header_6_text_color=”#FFFFFF” header_6_line_height=”1.5em” custom_margin=”||||false|false” text_font_size_tablet=”15px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”28px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” header_3_font_size_tablet=”22px” header_3_font_size_phone=”17px” header_3_font_size_last_edited=”on|phone” header_4_font_size_tablet=”18px” header_4_font_size_phone=”15px” header_4_font_size_last_edited=”on|tablet” header_5_font_size_tablet=”15px” header_5_font_size_phone=”14px” header_5_font_size_last_edited=”on|desktop” header_6_font_size_tablet=”13px” header_6_font_size_phone=”13px” header_6_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

“No one ever won a game by resigning.” – Savielly Tartakower<\/span><\/p>\n

by Philippe Duclos<\/strong>, Nicolas Pellen<\/strong> and Pierre Nouvel<\/strong><\/p>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9hdHRhY2htZW50Iiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjMwOTgifX0=@” url_new_window=”on” button_text=”Download the complete point of view” _builder_version=”4.27.4″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_size=”14px” button_text_color=”gcid-primary-color” button_bg_color=”#FFFFFF” button_border_width=”0px” button_border_radius=”100px” button_font=”Poppins|700|||||||” custom_padding=”12px|24px|12px|24px|true|true” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=”on” module_class=”colonnes-egales” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_margin=”0%||||false|false” custom_padding=”0px||0px||true|false” border_radii=”off||6px|6px|” border_radii_tablet=”off||6px||” border_radii_phone=”off||6px||” border_radii_last_edited=”on|desktop” box_shadow_style=”preset4″ box_shadow_horizontal=”-31vw” box_shadow_vertical=”0px” box_shadow_color=”#FFFFFF” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” custom_margin=”10px||||false|false” custom_padding=”|5px||5px|false|false” global_colors_info=”{}”]<\/p>\n

NPL \u2014 a non-issue? By no means. <\/span><\/span><\/h3>\n

By June 2025, the stock of non-performing loans (NPLs<\/em>) at France\u2019s major banks (BNP Paribas, Cr\u00e9dit Agricole, BPCE, Soci\u00e9t\u00e9 G\u00e9n\u00e9rale and Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale) stood at \u20ac110 billion, up by \u20ac3 billion over six months. Since 2023, the cumulative Cost of Risk booked by these banks over the period has exceeded \u20ac27.8 billion, equivalent to 20% of their cumulative Gross Operating Income (RBE). <\/p>\n

Under the logic of an Amplified Organization<\/strong><\/span><\/a>, NPLs can no longer be managed as a marginal, purely technical issue or confined to collections teams. They become a field of strategic coherence where internal and external resources converge. This integrated approach multiplies the effects: holistic decision-making, finer control of risk and resources, a more dynamic allocation of capital while respecting economic and social balances – a dynamic framework that secures the model while amplifying<\/strong><\/span> its performance. <\/span><\/p>\n

And because French banks\u2019 financial results are currently exceptional, the time is ripe to convert NPLs into a strategic source of value. The examples are clear: Banco Santander, UniCredit and J.P. Morgan have moved beyond a defensive posture and turned NPLs into sources of profitability, agility and leadership. They amplified their action. <\/p>\n

But is this truly a priority? Is the current model sufficient? Does the benefit justify the effort? Above all: how do you turn a liability into a strategic opportunity? <\/span> <\/span><\/p>\n

At Antheus, our thinking is built around three pillars: Direction<\/strong><\/span>, Value<\/strong><\/span>, and Action<\/strong><\/span>.<\/span><\/p>\n

[\/et_pb_text][et_pb_testimonial author=”Aaron Nimzowitsch” portrait_url=”https:\/\/antheusadvisors.com\/wp-content\/uploads\/2025\/09\/Echecs-scaled.png” _builder_version=”4.27.4″ _module_preset=”default” author_text_color=”#FFFFFF” background_color=”RGBA(255,255,255,0)” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0) 0%|#6f8db9 50%” global_colors_info=”{}”]<\/p>\n

“The beauty of the move lies not in its appearance but in the thought behind it.”<\/em><\/p>\n

[\/et_pb_testimonial][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|5px||5px|false|false” global_colors_info=”{}”]<\/p>\n

1. Set the direction for an Amplified Strategy<\/span><\/h3>\n

Keep treating NPLs as a mere prudential indicator? Or integrate them fully into the bank\u2019s strategy alongside capital, liquidity and funding? <\/em><\/p>\n

The classic argument is familiar: with a low NPL ratio, the issue is marginal and doesn\u2019t justify large investments. <\/p>\n

But that assessment leaves out two realities: first, the NPL-stock has been steadily growing, quarter after quarter since December 2021; second, banks\u2019 financial resources are increasingly tied up as the Cost of Risk rises and already represents more than 20% of Gross Operating Income (RBE) over the 2023\u2013June 2025 period. <\/p>\n

Treating NPLs as a non-issue is letting the problem grow until it becomes too large to be managed without disruption. <\/p>\n

Setting the Direction – i.e., developing an amplified strategy – requires examining the structural internal and external drivers<\/strong><\/span> of NPLs management, the scenarios<\/strong><\/span> available, their respective impacts<\/strong><\/span> and their acceptability<\/strong><\/span>.<\/p>\n

[\/et_pb_text][et_pb_testimonial author=”Max Euwe” portrait_url=”https:\/\/antheusadvisors.com\/wp-content\/uploads\/2025\/09\/Echecs-scaled.png” _builder_version=”4.27.4″ _module_preset=”default” author_text_color=”#FFFFFF” background_color=”RGBA(255,255,255,0)” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0) 0%|#6f8db9 50%” global_colors_info=”{}”]<\/p>\n

“Strategy requires thought, tactics require observation.”<\/em><\/p>\n

[\/et_pb_testimonial][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|5px||5px|false|false” global_colors_info=”{}”]<\/p>\n

2. Maximize value with an amplified operating model<\/span><\/h3>\n

Keep tinkering with the status quo? Or accept investing in a model that can turn a cost center into a source of value? <\/em><\/p>\n

Many believe their internal processes are enough; that improving tools and harmonizing practices will suffice. The assumption is that rationalization alone will do, and that a full reset of the existing model would be too heavy, too complex, too disruptive. But value is not created by cosmetic adjustments. Value is built. <\/p>\n

Value arises from an amplified operating model<\/strong><\/span> – a coherent linkage <\/strong><\/span>between capital, proactive asset management and governance.<\/p>\n

[\/et_pb_text][et_pb_testimonial author=”Garry Kasparov” portrait_url=”https:\/\/antheusadvisors.com\/wp-content\/uploads\/2025\/09\/Echecs-scaled.png” _builder_version=”4.27.4″ _module_preset=”default” author_text_color=”#FFFFFF” background_color=”RGBA(255,255,255,0)” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0) 0%|#6f8db9 50%” global_colors_info=”{}”]<\/p>\n

“I used to attack because it was the only thing I knew. Now I attack because I know it works.”<\/em><\/p>\n

[\/et_pb_testimonial][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|5px||5px|false|false” global_colors_info=”{}”]<\/p>\n

3. Deliver transformation and achieve amplified action<\/span><\/h3>\n

Wait for a more favorable context? Or act now to turn a constraint into a competitive advantage? <\/em> <\/p>\n

The default reaction \u2014 often unconscious \u2014 is to wait: \u201cToo complex, too long, too risky, we have other priorities\u2026\u201d. <\/p>\n

Behind such caution often lies costly inertia: each quarter of delay does not reduce the stock, it degrades portfolio quality, increases the Cost of Risk, consumes capital and reduces capacity for action. Problems don\u2019t age well. <\/p>\n

The gap between stasis<\/em> and successful transformation rarely comes down to intrinsic project difficulty: it depends on momentum, will and appetite, on method, cadence and the ability to generate visible results quickly. <\/p>\n

A successful transformation combines clear objectives<\/strong><\/span>, an aligned<\/strong><\/span> target model and an integrated roadmap<\/strong><\/span>, producing amplified action<\/strong><\/span> and tangible results<\/strong><\/span> from the first steps.<\/p>\n

[\/et_pb_text][et_pb_testimonial author=”Magnus Carlsen” portrait_url=”https:\/\/antheusadvisors.com\/wp-content\/uploads\/2025\/09\/Echecs-scaled.png” _builder_version=”4.27.4″ _module_preset=”default” author_text_color=”#FFFFFF” background_color=”RGBA(255,255,255,0)” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0) 0%|#6f8db9 50%” global_colors_info=”{}”]<\/p>\n

“In chess, you have to take your time, but also be quick and flexible when the situation demands it.”<\/em><\/p>\n

[\/et_pb_testimonial][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”|5px||5px|false|false” global_colors_info=”{}”]<\/p>\n

The Antheus answer: three integrated modules<\/span><\/h3>\n

An Amplified Organization<\/strong><\/span> does not pile up isolated programs; it activates the right levers simultaneously, aligns its assets and amplifies what works \u2014 while preserving overall balance.<\/p>\n

For NPLs, that means: stronger P&L, better-managed RWAs, smoother operations, improved governance, tighter risk control, reinforced compliance and enhanced credibility with investors.<\/p>\n

To deliver these results with speed and precision, Antheus has designed an amplified <\/strong><\/span>approach in three modules:<\/p>\n