Our customers
Helping financial institutions deleverage
The accumulation of non-performing loans put constraints on financial institutions’ ability to issue new loans. B2Holding provides solutions to help financial institutions and other vendors deleverage, with services ensuring efficient and fair treatment of their customers. With extensive data, experience, and modern systems for debt collection, we find solutions to debt problems.
Debt purchasing
B2Holding purchase non-performing loans from banks and other financial institutions. By selling the debt to us, our vendors can reduce risk, improve the financial liquidity, and focus on their core business, while we take care of their customers and offer them support to solve their debt problem with a flexible and fair approach.
Most of the debt purchased by B2Holding are unsecured non-performing debt from credit institutions and other sellers such as telecom or utility companies. In recent years an increasing share of B2Holding’s unsecured portfolio purchases have been structured as forward flow agreements. With a forward flow agreement, the vendor assigns non-performing loans to B2Holding at defined intervals and at an agreed price. This secures seamless disposal of NPLs for the vendor and predictable flow of collections for B2Holding.
Debt collection and recovery
The process of collecting unsecured NPLs and the recovery of secured NPLs require different types of data, expertise, and knowledge. B2Holding has the required capacity and expertise to handle significant volumes of both asset classes. The number of completed transactions of non-performing loans, as well as the scale of the Group’s operations, support efficient and professional handling.
Unsecured collection
An unsecured loan portfolio will typically have a large number of debtors and we apply data, statistics and analytics to find the right strategic approach. For unsecured debt collection, B2Holding use two main collection strategies:
- Amicable solutions – for debtors who are willing to co-operate. Our collection agents contact the debtors through digital customer portals, letters, e-mails or phone calls – aiming for an amicable solution often in the form of tailored payment plans.
- Legal collection – for debtors with financial ability who are not available for negotiation or where the debtor is better served by a formal process.
For B2Holding, digitalization is increasingly important in unsecured collections when considering how to approach payments and contact with customers. Services are tailored to customers’ needs and preferences, as well as to the local legislation and digital maturity of the different countries of operation.
Secured recoveries
Secured portfolios will typically have fewer debtors and a larger average face value per claim. Our secured debt experts identify recovery strategies based on the characteristics of the individual claim. The market value and type of mortgage will have an impact on the acquisition price, recovery strategy and expected recovery time.
By selling the debt to us, our vendors can reduce risk, improve the financial liquidity, and focus on their core business, while we take care of their customers and offer them support to solve their debt problem with a flexible and fair approach.
Debt servicing
As opposed to debt purchasing and collection of owned debt portfolios, debt servicing is the collection of debt on behalf of others, such as banks and other credit providers. B2Holding has the capacity and capability to act as a full-service provider of debt management and servicing for co-investors, banks and other financial institutions. In some of the markets where B2Holding operates, the Group carry out third-party servicing and purchase debt from the same banks and financial institutions.
Other services
Telemarketing and fraud prevention
B2Holding offer telemarketing through Verifica in Spain. Verifica has a call centre that specializes in the marketing of consumer lending products and credit cards on behalf of some of the leading banks in Spain. Verifica also offers fraud prevention by carrying out background checks on new subscribers. This service mainly targets the telecom sector.
Credit information
B2Holding offers credit information as a service through Creditreform in Latvia. Creditreform is the leading player within credit information in the Latvian market and has a large database from which credit reports are prepared and provided as a service to customers.
Consumer lending
B2Holding offers consumer lending in a few selected markets. B2Holding currently has two licenced consumer lending companies: Takto in Poland and B2Kapital Finance IFN in Romania.