Do not put the blame on the NPLs. At least for these 3 reasons


The macro scenario of our market is finding a new balance thanks to the improving (or at least in view of it) of the two major pending operations. Brussels has approved the restructuring plan of MPS, which includes the sale … Continue reading

NPLs: a lemon market?

The title of the article recalls and refers to an intervention made during the recent NPL Meeting held in Venice, which compared the NPL market with the economic theory of the lemon market. This reference will be familiar to those … Continue reading

Very special servicing

Unauthorized personnel n talk about NPL meaning a melting pot of different situations, all united by the fact that someone is not paying someone else for a long time. Authorized personnel divided roughly these loans between “mortgage” and “unsecured”, meaning … Continue reading

NPL Best Practice: The assessment


How are pledged real estate properties and mortgage credits assessed? It is quite complex, since in our Country it is difficult to price a real estate on a free market , and this controversial issue is often debated by accountants, … Continue reading

NPL: the root causes


Any debate on Italy and its comparison with the other Countries worldwide inevitably highlight the unsuitableness of our Country from an economic, policy and legal point of view. We all have certainly compared the events occurred in Italian with those … Continue reading

NPL: speeding up or normalising the recovery procedures. What is the best solution?


When it comes to non-performing loans, the media and leading operators in this sector all agree upon the necessity tospeed up the recovery procedures. Last week,during the Monza conference,most of the lectures – and even the coffee breaks – highlighted … Continue reading

NPL: the banking system is ill


Nowadays, wellbeing is assessed based on the consumption rate, however we should rather focus on the generation of income and added value. In the past, these two aspects used to go hand in hand, while today things have changed, mainly … Continue reading

RExit – American-style properties 2


Interestingly, the exit of Great Britain from the EU perfectly coincided with the second part of our post. While we were talking about theability of the Anglo-Saxon culture to prevail over the Latin one from an economic/financial point of view … Continue reading

Non-performing loans: the opinion of the subjects directly involved/1


Our business often asks us to study and understand the economic trends from a privileged point of view. It is like a preview of reality, where we can see how many people and companies are facing economic difficulties, including their … Continue reading

Enhancement of NPLs: a process to be outsourced


During our daily activity, we get in touch with (almost) all the major realities of non-performing loans. The network includes credit institutions as well as the credit management services, i.e. the credit creators, managers and second- or third-hand buyer. In … Continue reading