Credit Risk and Delinquent Accounts Management Process

This book analyzes the process of managing credit risk and nonperforming loans in Moroccan banks, highlighting the main challenges, control mechanisms, and opportunities for improvement. Through a theoretical, regulatory, and empirical approach, it examines risk assessment and management methods, prudential frameworks, and strategies for preventing and collecting delinquent loans. It also pays particular attention to the transformations in the banking sector driven by digitalization and artificial intelligence, which offer new opportunities to enhance the performance and resilience of credit institutions. Intended for researchers, students, and professionals, this book contributes to a better understanding of the current and future challenges of banking risk management in Morocco.