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Vendor & Acquisition Due Diligence in the NPL Assignment

Resolving and bridging the information asymmetry, thanks to information and investigation experts, allows you to offer a reduction in risk in the sale of NPL or UTP portfolios.  The NPL Due Diligence is a necessary phase in the sale of portfolios because it allows you to process advantageous management thereof in terms of acquisition and/or

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UTP: How to Manage Unlikely to Pay Credits

In the banking sector, in addition to NPLs, the acronym UTP arouses a great deal of interest: UTP stands for Unlikely To Pay, that is, literally, “unlikely to pay”; in other words, it refers to credits cataloged by banks as probable defaults.   Using the level of risk as a parameter, UTPs are lower in the

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Searching for Seizable Assets: Between Electronic and Analogue Avenues

The search for a debtor’s assets is essential for asset seizure to become an effective enforcement action. In the event that a claim is established and the debtor persists in not making their payments, how can you seize their assets? Furthermore, how can you search for a debtor’s assets in the first place? Often, the

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NPL Meeting 2019 – what came out from the last IFIS Bank’s congress

“Run the industry” This was the title of this year’s main conference, discussed by various speakers and professionals who dedicated special attention to the credit-recovery industry and the management of impaired-loans The eighth edition of the NPL Meeting organized by IFIS Bank as an opportunity to update on the topic of NPLs and bank restructuring

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Does the invoice or the bill prove the credit?

With Ordinance No. 17659/2019, the Court of Cassation has established again that the bill or the invoice is not enough to prove the credit.  A bone of contention In the event that the creditor acts to fulfill a payment obligation, it is not enough to prove the source of the credit (the bill) but is

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NPL PORTFOLIO MANAGEMENT: The info provider and the servicer

Servicers are the strategic link in the dynamics of sale and management of NPL portfolios, and info providers are the trump card of those who do not want to be found unprepared. NPL portfolio management – Who Are the Players? Both services and info providers bring a significant advantage in enhancing NPL portfolios from the

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Fintech Services: Italy Better than France and Japan

Digital Transformation has also arrived powerfully in the credit and finance sector. Numerous startups are emerging in what was once the exclusive privilege of banks. The latter, however, is still structurally and logistically real… elephants: difficult to move. On the other hand, consumers and companies have an increasing need for flexibility and streamlining. To meet

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Real Estate Due Diligence: When a Preliminary Inquiry is Not Enough

Here we are again talking about Due Diligence; this time, however, we will address the analysis of the increasingly, widespread practice that is real estate Due Diligence.  What is Real Estate Due Diligence? Real Estate Due Diligence is the procedure through which it is verified that the property that you intend to buy does not

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CREVAL: 250 million more of Npl

Credito Valtellinese is at work again on impaired loans. According to what reported by several sources, Creval would be receiving several expressions of interest for the sale of the portfolio called Magenta with a value of 250 million euros in bad debts. The package Magenta is part of is just a portion of a more

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CreditVision @NPL&UTP by AlmaIura

NPL & UTP by AlmaIura The 6th National Congress of Jurisprudence, Banking, and Finance organized by AlmaIura took place on October 15th in Verona. The impeccable organization and quality of the speeches make this event one of the best in Italy on the subject of NPL & UTP. A unique opportunity to update and discuss

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Non-performing Loans (NPL) The Fault of Information Asymmetries

Investing in NPLs Non-performing loans are a problem for the Italian economy but an excellent source of income for investors. The secret? Information asymmetries. 2018 ended with more than 70 billion in sales of NPL portfolios. However, behind a sale, there is always an acquisition, and behind an acquisition, there is always (or almost always)

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