Annual Report 2020

Bridging the gap

In today’s world, non-performing loans create a gap in the credit chain and represent a problem for individuals, companies, banks and society in general. As a leading pan-European debt specialist, B2Holding is a part of the solution.

By purchasing, collecting and providing servicing on non-performing loan portfolios, we help financial institutions uphold their profitability while solving their customers’ debt problems.

Through our business, we aim to bridge the gap in the credit chain and contribute to more efficient use of the capital available in society.

Book value of portfolios

NOK million

Estimated Remaining Collections (ERC)
23,100
NOKm
Claims
8.10
million

Gross collection from purchased loan portfolios

NOK million

Cash EBITDA

NOK million

Face value of acquired portfolios
146,093
NOKm
Employees
2,191
FTEs
Message from CEO

Building strength in challenging times

In 2020 our resilience and endurance were tested. Looking back at a demanding year, we are pleased to deliver solid results and emerge as a stronger Group.

Erik J. Johnsen, CEO

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Sustainability report

Contributing to a sustainable world

In 2020, B2Holding reinforced its focus on sustainable development. The Group’s mission is to bridge the gap that defaulted debt represents in the credit chain between lenders and customers. Through its business, the Group plays an important role in contributing to handling society’s debt problems and is committed to acting in a sustainable way.

Sustainability report
Our industry

A resilient industry

By providing debt solutions and contributing to the reduction of overall NPL volumes across Europe, our industry plays a key role in restoring the credit chain.

Our industry
Illustration of debt industry players

Our business model

Our services

Helping financial institutions deleverage

B2Holding purchase and service portfolios of non-performing loans from vendors such as banks and other financial institutions. Through our business, we help customers settle their debts while allowing our vendors to focus on their core business with improved lending capacity.

Our services
Our customers

We find solutions

B2Holding’s mission and purpose is to bridge the gap that defaulted debt represents in the credit chain between lenders and customers. We know that anyone, for one reason or another, can find themselves in a situation with payment challenges. Through our services, we seek to find solutions for our customers and help them to manage their debt.

Our customers
Our partnerships

We are a reliable business partner

In everything we do, we aim to be a solid, result-oriented and reliable business partner supporting our partners’ reputation and offering attractive solutions. At B2Holding, we have the required data and skills to provide reliable pricing of any portfolio, combined with the expertise to efficiently collect the outstanding debt.

Our partnerships
Our people

We unite culture cross-border

Our people are our most valuable resource. With 2,398 employees per end of 2020 across 22 countries, we aim to build a common culture cross-border by enabling an open and proactive work environment and creating learning and synergies across the units.

Our people