For over a decade, Linklaters has been at the forefront of the European NPL market, advising both sellers and buyers on the resolution of bank balance sheets through sales, acquisitions, private financings and securitisations of NPLs in Ireland, Italy, UK, Spain, Portugal, Germany, Greece, Cyprus, France, Poland and elsewhere.

Our data-driven approach to due diligence on granular portfolios integrates the latest technologies to maximise efficiency and provide tailored results, combined with deep expertise in finance, regulation, tax and fund level structuring across all the key jurisdictions.

We’re delighted to be sponsoring SmithNovak’s NPL Europe conference this year and excited to have members of the team from around our European network in London for this fantastic event.

For more information, see: www.linklaters.com

The EOS Group is a leading technology-driven investor and service provider in the receivables management industry. With over 45 years of experience, EOS offers some 20,000 customers in more than 20 countries (as of: fiscal year 2022/23) around the world smart services for all their receivables management needs.

Its key target sectors are banking, real estate, telecommunications, utilities and e-commerce. EOS employs more than 6,000 people and is part of the Otto Group.

For more information, see: www.eos-solutions.com

As financial institutions around the world continue to focus on deleveraging their balance sheets, Allen & Overy has been at the forefront of the market, advising both governments, buyers and sellers of NPLs and we are well placed to setup and manage the legal aspects of SPVs for this purpose.

We are considered to be the premier firm across a range of banking and capital markets products and are able to bring together teams from across our leading practices in complementary areas such as funds, regulatory, debt capital markets, derivatives and securitisation to cover every aspect of a proposed transaction.

For more information, see: www.allenovery.com

Sidley is an elite global law firm. With 2,300 lawyers, annual revenue of US$3 billion, and experience that spans 157 years, we have established a reputation using Built to Win℠ legal strategies in successfully representing clients in more than 70 countries on complex transactional, investigation, regulatory, and litigation matters.

With 21 offices strategically situated in key commercial and financial hubs throughout the United States, Europe, and Asia Pacific, our perspective and our reach are truly global. Our lawyers and business professionals, fluent in more than 80 languages, possess the cultural awareness and cross-border legal acumen needed to bring clarity to a dynamic business landscape.

For more information, see: www.sidley.com

KPMG is a global network of professional services firms that provides audit, tax, financial and business advisory services in 143 countries and has more than 265,000 professionals working in member firms around the world

Our KPMG global Portfolio Solutions Group (PSG) combine transactional M&A experience with strategic advice to help understand and structure complex transactions to make better decisions and maximize value. We advise financial institutions and investors on developing and implementing sale and acquisition strategies for their portfolios across all asset classes (loans, receivables and assets).

Our goal is to help in the development of Non-Core Asset Markets by delivering transparency and best in-class practices learned by being the leading advisor in the most active markets.

For more information, see: www.kpmg.com

We are Relational. A leading business software provider with just about 30 years of experience, international footprint and a long track record of serving major industry players, providing invaluable support and driving real business impact. We deliver Loan Origination, Loan Management and Debt Management solutions through our own i-Apply, Segmentation and Arotron products. Our long-lasting partnership with a number of international software vendors such as SAP, Informatica, BMC, and Atlassian allows us to also offer Business Service Management, Analytics and Data Governance solutions. As your strategic partner, we are committed to offer you the best tools to grow your business and excel. And we are there for you along the way.

For more information, see: www.relationalfs.com

Founded in 2008, Hipoges is one of the leading Asset Management platforms in Southern Europe for distressed assets with over €49 billion of assets under management. We manage a broad spectrum of assets including residential mortgages, corporate & SME loans, Commercial Real Estate, unsecured loans, government & corporate receivables, REO portfolios and other activities, providing a full end-to-end solution to its clients.

The services are provided along the whole investment cycle from due diligence to loan servicing and legal enforcement. With offices in Spain, Portugal, Greece and Italy and more than 1800 employees, Hipoges is ranked Commercial Special Servicer (CSS2) STABLE and Residential Special Servicer (RSS2) STABLE by Fitch.

For more information, see: www.hipoges.com

Webio supercharges customer engagement by using the power of conversational AI to enable businesses to increase customer engagement across digital channels and have better quality conversations, resulting in more payments, arrangement plans, and getting customers back on track with their repayments.

As the 'central intelligence hub', Webio orchestrates all the elements needed to have successful customer conversations, enabling businesses managing NPLs to positively and empathetically re-engage indebted and vulnerable customers, delivering positive outcomes.

As NPL conversational customer engagement specialists, we know what works and what non-responsive customers respond to. Webio`s award-winning proven track record of working with leading UK businesses we guarantee to turn non-performing loans into performing loans with fewer agent resources,  reduced operating costs, and deliver better conversation outcomes and customer experiences.

For more information, see: www.webio.com

Dillon Eustace is a leading Irish corporate law firm with a proven reputation in financial services. We serve a diverse range of clients, from our Dublin headquarters and offices in New York, Tokyo and The Cayman Islands.

Our Banking and Capital Markets team is a leading adviser on the acquisition, disposal and management of non-performing loans (NPLs) and other distressed assets in Ireland and elsewhere since the late 1990s.  We regularly advise international and domestic financial institutions, distressed asset funds, special situation funds and other service providers and agencies involved in the disposal, acquisition, financing and/or management of loan portfolios.

The group offers an integrated service, combining the expertise of our Taxation, Insolvency and Restructuring, Real Estate, Litigation & Dispute Resolution and Corporate teams. We offer unique insights based on our extensive experience of advising on securitisations and other asset repackaging transactions.

For more information, see: Banking, Capital Markets and Finance Law | Ireland | Dillon Eustace

Cherry Bank S.p.A. is the bank led by Giovanni Bossi, specializing in business support services, value creation from the transformation of NPL portfolios and the purchase of tax credits. It offers individuals a wide range of banking services, both physical and digital, with a focus also on the area of wealth management to identify tailored savings and investment solutions. An Italian Human Bank born from entrepreneurial partners and facing the contemporary reality of the credit world with this spirit.

The Bank, during 2023, acquired impaired assets on the market with a nominal value of 2.7 billion euros. Cherry Bank has more than 470 resources, branches and territorial hubs in 6 regions of Italy, in addition to the Padua headquarter.

For more information, see: www.cherrybank.it

Founded in 2009 Taurus Ibérica Asset Management is one of the leading real estate managers and brokers in Spain specialized in distressed assets with a portfolio of over 200,000 assets under management. Independent and without conflict of interests we count with +120 branches nationwide, and over 450 local sales reps. We manage all asset classes nationwide including residential, industrial, commercial, land and WIP.

Our Advisory team specialized in pricing of secured assets has performed > 1.5 millon valuations since 2009. Our team of 25 analysts experts in different asset classes and regions and +450 local experts give us a unique market sentiment, which together with one of the largest real estate databases of the market and our proprietary valuation system have been helping investors price and acquire secured portfolios.

For more information, see: www.taurusiberica.com

Abreu Advogados is an independent law firm with over 30 years of experience in the Portuguese market, navigating in tomorrow´s sectors and industries. As a full-service law firm, Abreu is recognized as the 11th fastest growing Portuguese firm by The Lawyer Euro 100, with 51% growth in 5 years. Abreu has seven international desks, that work in partnership with the most prestigious local law firms, with multidisciplinary teams, providing advisory services in Angola, Brazil, Cape Verde, China, Guinea-Bissau, Mozambique and Timor-Leste.

The Banking and Finance practice is known to have extensive experience providing strategic advice to commercial and investment banks, real estate investment funds, hedge funds, venture capital entities, credit management companies, pension funds, holding groups and regulatory bodies. The work has been consistent and specialized in structuring, assembling and advising on cross-border finance transactions, asset management, debt issuance (including structured products), advising credit institutions and investment companies on prudential and conduct issues, advising on OTC derivatives (negotiation of industry standard agreements, legal advice on a series of issues, such as guarantees and validity and feasibility of transactions) and assisting in the restructuring/negotiation of non-performing loans, real estate financing, acquisition and sale of non-performing loans and structured financial transactions.

Abreu Advogados is committed to setting the future in progress.

For more information, see: www.abreuadvogados.com

LOANCOS - Germany's leading Mortgage Loan Platform and Back-up-Servicer

LOANCOS is the largest mortgage loan platform in Germany with EUR 4 bn assets, enabling Investors to obtain exposure in mortgage loans and distressed financings. Furthermore, the return of special situations provides for highly interesting market opportunities for investors unseen in the last decade. Through acting as one of the market-leading providers of Back-Up Servicing solutions ranging from loans, consumer electronics to cars, LOANCOS is a trusted partner for financers across the major European markets

For more information, see: www.loancos.com

A new attitude when offering asset life cycle services

Diglo is the new servicer on the market, born with the ambition of disrupting the sector, thanks to technology and digitization , as well as its closeness and flexibility. Diglo is an expert company in asset and debt management, with a nationwide presence.

The activity of the company consisted of Debt recovery management for all types of clients, Management and sale of real estate assets as well as all complementary services to these two lines of business.

For more information, see: www.digloservicer.com

Qualco

QUALCO offers a wide range of analytics-driven fintech solutions that enable enterprises to effectively manage their customers and assets.

With more than 20 years of proven experience, QUALCO is a leading Fintech solutions provider, enabling clients to realise value through the provision of operational platforms, data insights, digital experiences, and domain knowledge.

More specifically, our technology comprises enterprise-class, highly scalable, end-to-end software solutions and allows our 90+ clients in over 35 countries to automate, streamline and standardise their operations.

Our solutions cover a wide range of needs for Banking, Financial Services, Utilities, and Retail organisations.

More specifically we offer end-to-end technology solutions for:

Data Analytics & AI

Data Analytics & AI solutions aim to automate and streamline every stage of the analytics workflow, from data ingestion to predictive modeling, decision-making and action optimisation. Taking a maximalist view of analytics, Data Analytics & AI solutions encompass: Data provisioning, consolidation and data transformation for descriptive analytics and reporting; Fully automated data preparation and model generation for predictive analytics; Configurable decision-making logic and optimisation mechanisms for prescriptive analytics; Adaptable integration and orchestration mechanisms for operationalising every aspect of analytics.

NPL & Receivables Management

A complete technology ecosystem, offering a holistic approach to credit risk and receivables management. Through combining advanced analytics and Machine Learning with a comprehensive collections system and specialist digital engagement tools, QUALCO’s NPL & Receivables Technology revolutionises the management of non-performing exposures and non-banking receivables, supporting all asset classes, from banking to NPL servicing, retail credit to utilities, consumer, SME, and corporate both secured and unsecured.

Loan Management

QUALCO’s Loan Management solution constitutes an efficient way to manage the loan administration process end-to-end and empower businesses operations across the loan servicing lifecycle. It’s a robust, all-in-one solution, enabling retail banks, alternative lenders, debt purchasers, and loan servicing companies to navigate the changes in the loan servicing sector.

For more information, see: www.qualco.eu

Finsolutia is a leading technology-driven service provider in Iberia, offering independent Loan and Real Estate management services through innovative business processes and disruptive proprietary technology. Finsolutia has offices in Lisbon and Madrid, with over 350 highly qualified professionals managing c.€6bn in Assets under Management, working with some of the largest institutional investors in the Credit and Real Estate industries as well as renowned financial institutions in the region.

Finsolutia launched its activity in 2007 in Portugal, initially focused on the Credit and Real Estate industries operating as a servicing-driven business, managing to accumulate strong capabilities and know-how that later supported the evolution of the company to a tech-driven business. Anchored on its unique technological infrastructure, the company diversified its core business towards new highly profitable businesses, becoming a leading technology-driven Credit & Real Estate platform operating under multiple brands (Finsolutia, FS Capital, Izilend, Twinkloo, Sell&Go and Nolon).

For more information, see: www.finsolutia.com

Copernicus Servicing is an independent global platform that manages performing, non-performing loans and foreclosed assets (REOs), operating in Spain, Italy, Portugal, Peru, Greece and France.
By December 2023, Copernicus had over 300 employees and was managing more than €10bn of distressed assets.

For more information, see: www.copernicusservicing.com

Alantra is an independent global mid-market financial services firm providing investment banking, asset management, and private capital services to companies, families, and investors operating in the mid-market segment. The Group has over 650 professionals across Europe, the US, Latin America, and Asia.

Its Investment Banking division provides independent advice on M&A, debt advisory, financial restructuring, structured funding & asset backed securitizations, credit portfolio advisory and capital markets transactions, having advised on c. 750 deals for a total value of c. €187bn in the last four years. Alantra’s senior bankers and execution teams offer a global understanding of industry sectors combined with strong local relationships with the companies, investors, entrepreneurs, and financing institutions in each of its markets.

Alantra’s Financial Institutions Group (FIG) advisory team consists of 150 people and has dedicated team members in London, Madrid, Dublin, Lisbon, Milan, Amsterdam, and Athens. The team’s “integrated solution” focus, rather than the traditional “product” focused approach to client needs, is already capturing the attention of FIG clients across Europe. Since 2019, Alantra has completed 250+ transactions worth more than €160bn in the FIG sector.

For more information, see: www.alantra.com

BCMGlobal is a leading European independent mortgage, real estate and commercial loan servicer. They are the leading loan origination and NPL servicer in Ireland.

With over 25 years' experience providing outsourced solutions to Europe's leading banking and financial services institutions, their clients trust them to deliver best-in-class services to them and their customers.

They service over 100,000 loans in Ireland, the UK, , Italy, and the Netherlands. Their 800+ people support their clients throughout the loan lifecycle, from origination through to redemption, including loan workout services, Real Estate Asset management and Regulatory Services.

BCMGlobal’s services are tailored to meet each client’s needs. They combine their knowledge of regulated and unregulated sectors, all asset classes, jurisdictional expertise with their technology platforms to achieve the best possible outcomes for clients.

Their five main areas of business are: Mortgage Origination & Servicing, Structured Finance & Commercial Real Estate, Bank Outsourcing, Loan & Asset Workout, and Government & Local agencies.

For more information, see: www.bcmglobal.com

Servdebt is an independent Iberian NPL and REO Asset Management company with over 15 years of experience.

Our headquarters in Lisbon and our offices in Porto and Madrid are home to our specialized team, whose valuable know-how in the servicing of distressed debt allows us to deliver real-time information to clients, accelerate the decision-making process and maximise the value of their assets.

Servdebt offers extensive expertise in the provision of integrated services for the acquisition and management of distressed loan portfolios and real estate assets. We have been working with leading financial institutions and major international investors, providing the best NPL and REO solutions to guarantee that we deliver an end-to-end service to our clients, from market analysis and advisory services to valuation and asset recovery.

Our committed multidisciplinary team and our investment in technological infrastructures have been the key to our track record of multiple successful projects in what is considered a very challenging and rigid industry.

For the past 15 years, Servdebt has counted on a highly qualified, dynamic, friendly, and multicultural team who have continuously contributed to the company’s long-lasting success, helping us work towards the goal of being an international benchmark in loan servicing and property management, recognized for innovation and excellence in the provision of its services.

For more information, see: www.servdebt.com

Deloitte can assist with identifying ways to maximise value from non-core assets through deleveraging, rigorous planning and asset management. Entering the loan portfolio transactions market is a key tool in any deleveraging programme, providing a rapid source of capital raising. Furthermore, regulatory change and market pressures mean that capital optimisation is increasingly critical for financial institutions and the viability of their business models.

We advise holders, sellers and buyers of non-core assets and under performing loan portfolios in deleveraging, portfolio management and investment strategies. Working closely with financial institutions in their capital planning is also core to our business proposition.

For more information, see: www.deloitte.com

Founded in Poland in 1998, KRUK Group is a leading debt collection management company with more than 20 years of experience. Formed by a human team of more than 3,000 people, KRUK is present in various European markets such as Italy, Romania, Poland, the Czech Republic, Slovakia and Spain. Our services consist of the friendly, legal, hybrid and face-to-face recovery of unpaid credits, and we manage both our own and third-party portfolios. We have our own team of face-to-face managers who cover the entire national territory, offering a top quality service.

For more information, see: www.it.kruk.eu

EY is a global leader in assurance, tax, transaction and advisory services. The insights and quality services we deliver help build trust and confidence in the capital markets and in economies the world over.
At EY Financial Services, we share a single focus – to build a better financial services industry, one that is stronger, fairer and more sustainable. When the financial services industry works well, it creates growth, prosperity and peace of mind for hundreds of millions of people.  No other industry touches so many lives or shapes so many futures.
EY teams combine transactional experience with strategic advice to support banks, credit investors and regulators in developing and helping implement key operational and cost-reduction strategies for bank deleveraging, loan portfolio management and financial stability safeguarding.
We have a strong internal network, breadth of knowledge and vast array of credentials covering different macroeconomic landscapes.

For more information, see: www.ey.com

Heuking is one of the top full-service law firms in Germany. Our financial assets team has many years of experience in distressed asset transactions of all types, portfolio transactions and single name transactions regarding assets from the consumer, commercial, real estate and shipping finance sector. On the sell-side, we regularly advise financial institutions on the implementation of competitive bid processes for the sale of NPL. On the buy-side, we comprehensively advise our clients on the acquisition, management and work-out of claims (including liquidation claims).

To match the individual transaction’s specific requirements, e.g. as to work-out strategy, industry sector or quality of claims and collateral, our financial assets team draws upon experience, creativity and network of our well-established practices in the restructuring and real estate markets and, where required, of our partner-firm network in other jurisdictions around the world.

For more information, see: www.heuking.de

Crédit Immobilier de France is a century-old financial group, present throughout France, and specialized in home ownership for low-income households.

We provide individualized follow-up until the end of the mortgage, our main objective being the security of the borrower, his family and his property.

With the online Secure Customer Area , our customers have direct access to information concerning their loan(s), make their requests online via pre-filled forms accessible in a few clicks, consult and sign their documents electronically.

For more information, see: www.credit-immobilier-de-france.fr

Savia is a multi-asset and vertically integrated servicing platform that originates, underwrites, and manages distressed debt portfolios of secured and unsecured NPL’s as well as single name loans. The platform operates throughout the entire life cycle of the investment, applying recovery strategies designed for maximizing investment returns over specific timeframes.

Savia rests on a state-of-the-art, multi-asset, NPL management system, and relies on a multi-disciplinary team of professionals spanning all areas of analytics, legal and asset management.

For more information, see: www.saviaam.com

Helix Ice has successfully launched and represents an investment structure with four different investment companies in the Nordics, allowing both Senior and Junior lenders to take part in the Nordic NPL market with a focus on Telecom and Bank & Finance.

For these segments, we also have reference portfolios with +25 years of collection data from the Nordics to give you as an investor the best possible start on your new investments.

Helix Ice have also worked as senior advisor to Sellers of NPL portfolios and are always ready to share our knowledge and expertise regarding the Nordic NPL market.

We help our investors find NPL portfolios with large volumes of business and capital that are worth investing in. Our management of these investments achieves long-term returns and diversification for our clients.

Our service is tailor-made to support sellers of NPL portfolios to find the solution that suits them at the right time, whether they are in growth or stabilizing phases.

B2C and unsecured loans are our main focus, although we have the capacity to advise on a variety of business types. Our focus is NPL portfolios in the Nordic region.

We work closely with debt collection companies and legal experts as well as expert subcontractors around the Nordic region and Europe who help us curate the best opportunities for these investments.

Our wealth of experience has given us a large network in the NPL industry with NPL portfolios both in the Nordic region and internationally.

For more information, see: www.helixice.com

Haussmann Recouvrement is a collection company founded in 2011, a 100% subsidiary of Banque DELUBAC & CIE.

Initially created to take care of bank debts (from Banque Delubac & Cie or other Banks), the company very quickly extended its activity to all types of civil or commercial debts in the finance and business advice.

Its expertise now extends to a wide variety of sectors, such as the agri-food industry, training organizations, advertising, the press, credit brokerage, etc.

Haussmann Recouvrement adheres to the ANCR (National Association of Collection Firms) and has therefore signed the ethics charter put in place by the profession.

For more information, see: www.haussmann-recouvrement.fr

Apex Group is a Global Financial Services provider with currently approx. USD 650bn AUA and more than 40 offices worldwide.
Our core offering spans across Corporate Services & related Capital Markets Trust and Agency Services as well as Banking, Custody, Fund Administration & Regulatory Reporting, Depositary and Middle Office Services.

Apex’s Capital Markets business line offers a single source solution model featuring a combination of SPV administration, Agency and Trustee services which are supported by our group’s Luxembourg based bank, European Depositary Bank. We provide a bespoke and comprehensive range of operational, accounting and administration services to support conventional or complex structured debt as well as aviation, escrow and loan market transactions from initial set up to maturity. Apex also offers a market leading, end-to-end ESG ratings and scoring portal providing access to real time ESG analysis for private companies.

For more information, see: www.theapexgroup.com

a⬟story is the company behind Capone, a leading debt collection technology.

For the past 22 years, we have developed Capone as an adaptable debt collection technology for the specific needs of several industries.

Implementations in over 50 companies from all over the world are a statement of our business knowledge and technology expertise.

For more information, see: www.astory.tech

Pérez-Llorca is a leading law firm in the Iberian Peninsula that provides high-end advice to national and international clients on major market transactions and disputes.
The firm carries out multi-jurisdictional work in Europe, the Americas and Asia and offers global advice on Spanish, Portuguese and European law with offices in Barcelona, Brussels, Lisbon, London, Madrid, New York and Singapore, where more than 600 professionals work together.

With more than 40 years’ experience in the Spanish market, our highly motivated lawyers and staff work towards a common goal: to contribute to the business success of our clients, offering first-rate legal services whilst always adhering to ethical and professional codes of practice. We are committed to having well-rounded lawyers and therefore, their continuous training is a priority for us.
Since our founding in 1983, we have experienced continued growth, both in terms of lawyers and practice areas. This is down to our commitment to innovation, constant adaptation to the needs of our clients and the close attention we pay to market trends.

At Pérez-Llorca we accompany our clients wherever they are based, wherever they have operations or wherever they need us. We have close connections with the leading firms in every jurisdiction in order to offer our clients the best and most specialised advice in each country

For more information, see: www.perezllorca.com

For more information, see: www.whitecase.com

Kredyt Inkaso SA was established in 2001 and is one of the leading companies in the debt management industry in Poland. Over time, the company transformed into a capital group operating in 4 markets of Central and Eastern Europe: in Poland, Romania, Bulgaria and Russia - cooperating with banks, insurance, telecommunications, loan companies and other providers of mass services. Since 2007, the company has been present on the Warsaw Stock Exchange.

In its activity, Kredyt Inkaso Capital Group focuses on investing in debt portfolios and servicing them at all stages of overdue debt - from amicable debt collection to court and enforcement proceedings, also cooperating with economic information bureaus. In addition, KI provides debt management services to other financial entities as part of outsourcing.

Kredyt Inkaso SA makes it easier for its customers (indebted persons) to solve the debt problem. The company's operating model is based on maximizing the simplification of debt repayment and advising on the selection of optimal solutions tailored to the client's financial situation. The company has a portal ugodowi.pl for its clients, enabling easy and comprehensive debt service via the Internet.

For more information, see: www.kredytinkaso.pl

Subastasprocuradores.com depending of the General Council of Spanish Solicitors which is a public corporation authorized by the Spanish law to externalize auctions out of the courts, is an auction tool operating in the Spanish distressed market, with the objective of streamlining judicial processes. Subastas adapt the rules of implementation to the needs of each type of procedure and they strive to be effective in enforcement procedures speeding up recovery timings.

For more information, see: www.subastasprocuradores.com

Cuatrecasas is a law firm present in 12 countries. We have 1300 lawyers, organized by business and industry-specific practice areas, who provide the knowledge and experience of the business law specialties applicable in each case, with a sectoral approach.

The Finance Group is highly regarded for handling distressed debt transactions: acquisition of corporate debt, loan portfolios and restructuring debt processes in Spain. Cuatrecasas’ Finance team advises distressed/special situation funds (as purchaser) and financial institutions (as seller) in many significant deals. Year after year, international directories rank the Finance specialties in 1st tier.

For more information, see: www.cuatrecasas.com

Ogier is a professional services firm with the knowledge and expertise to handle the most demanding and complex transactions and provide expert, efficient and cost-effective services to all our clients. Our commercial understanding and experience of working with leading financial institutions, professional advisers and regulatory bodies enable us to add real value to our clients’ businesses.

For more information, see: www.ogier.com

The Federal Association of Loan Purchase and Servicing (‘Bundesvereinigung Kreditankauf und Servicing’ or BKS) is based in Berlin and represents the interests of buyers, servicers and various other specialised investors involved in the purchase and servicing of non-performing loans (NPL) from credit originators in Germany since 2007.

Our goal is to develop market standards and best practices for the transfer, trade and management of non-performing loans. We offer several platforms that promote the exchange of ideas and experiences. We also host conferences, roundtables and training events on a regular basis and have established several working groups on specific topics. We are doing research on the German NPL market and we share our findings in printed as well as in digital publications several times a year.

At the same time, we enhance our industry’s reputation through effective self-regulation and by developing and maintaining corporate governance rules and ethical guidelines for dealing with debtors.

For more information, see: www.bks-ev.de

The Credit Services Association (CSA) is the only national trade association in the UK for organisations active in the debt collection and purchase industry. Our membership employs nearly 11,000 people, held over £20bn of consumer debt for collection last year across over 20million accounts, and they held nearly £4bn of commercial debts in over 1.5million commercial accounts. Our members act on behalf of a large and diverse range of creditors including banks and utility companies, and comprises specialist organisations such as tracing agencies and law firms.

The CSA also belongs to the Federation of European National Collections Association (FENCA).

For more information, see: www.csa-uk.com

Founded in 1994, ANGECO is the non-profit organisation that brings together companies whose corporate purpose is to provide collection management services for unpaid amounts, both amicably and judicially.

The most important national companies dedicated to this activity, the national subsidiaries of the large European multinationals in the sector, as well as the most expert law firms in the field are represented in ANGECO.

ANGECO represents a sector that is essential to ensure the proper functioning of the credit cycle. The fact that Spain is the only country in Europe where there is no specific regulation for this activity, implies the need for self-regulation that actively promotes good practices and ethics in all actions and this is one of ANGECO's main tasks.

ANGECO belongs to the European Federation of National Associations of Debt Recovery Companies (FENCA) and is a full member of CEOE and CEPYME.

For more information, see: www.angeco.com

Founded in 1998, UNIREC is the National Union of Companies for the Protection of Credit. It is a member of Confindustria Innovative and Technological Services and FENCA, the European Federation of National Associations of Debt Collection Companies. It brings together nearly 200 companies, accounting for over 70% of the Italian debt collection market.

UNIREC represents the guarantee of an ethical approach between creditors and consumers through its best practices, including a rigid entry selection, continuous monitoring, the adoption and compliance with a strict disciplinary code. It also promotes service excellence and professional growth through the provision of training courses.

For more information, see: www.unirec.it

Alternative Credit Investor is the world’s leading resource on alternative credit.

This online and print publication offers high-quality news, analysis, opinion, and features relating to alternative credit. Investors make up one of the largest segments of our audience, alongside industry professionals. Other readers come from the wider credit and fintech space, professional services, regulators, and government.

We pride ourselves on up-to-the-minute coverage of the key topics impacting the alternative credit sector and its investors. The print version of the magazine comes out at the start of each month, complete with exclusive content. Alternativecreditinvestor.com offers daily news and analysis from Monday to Friday, alongside a daily and weekly e-newsletter. The magazine shines a spotlight on the most important industry issues, lets you know who’s changing jobs and seeks out the opinions of the people who matter most.

To stay connected and be informed please subscribe today! Click here for subscription options.

For more information, see: https://www.alternativecreditinvestor.com