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Gentile Cliente,

informiamo che Guber Banca SpA concede finanziamenti alla clientela con contatto diretto del proprio personale raggiungibile mediante i riferimenti telefonici indicati nel presente sito. Qualsiasi comunicazione diversa dal processo descritto è da ritenersi del tutto infondata.
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NPE

Acquisition

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A specialised partner with over thirty years' experience

We are passionate about non-performing exposures, and our experience provides a solid foundation on which to build innovative solutions tailored to market needs.
Whether in the case of non-performing loans (NPLs) or in the area of unlikely-to-pay exposures (UTPs), we approach the acquisition and valuation process efficiently through an industrialised and digitalised diagnostic framework.
We are committed to ensuring responsible credit management, recognising the crucial role this stage plays in the economic life of the individuals and businesses involved.

We are a preferred partner for banks, intermediaries and market operators seeking to optimise and enhance the value of their non-performing exposures through disposal. We operate across all segments of the non-performing exposure market, focusing on exposures originated by financial institutions, including those traded on the secondary and tertiary markets. We also provide solutions for market participants looking to dispose of complex single-name exposures, including those subject to insolvency proceedings.

colloquio di lavoro con persone che si stringono la mano in guber banca mentre parlano di NPE
Area degli acquisti NPE della banca digitale Guber Banca

Why choose
Guber Banca

Speed and efficiency in transactions

We acquire portfolios of non-performing exposures swiftly, leveraging our professional expertise and industrial approach. The speed with which we complete transactions and the efficiency of our operations enable us to optimise every stage of the process, while always respecting the specific characteristics of our counterparties.

Participation in large-scale disposal processes

We are structured to participate in large-scale disposal processes and work in partnership with selected counterparties by asset class, ensuring effective, scalable and long-term solutions.

Optimisation of acquired portfolios

Our experience in the sector enables us to apply the most effective recovery strategies for each position, maximising the value and pricing of the acquired portfolios. We segment receivables, identify recovery sources, and precisely estimate their market value. We manage all phases of the recovery process directly, optimising costs and ensuring the best possible outcome.

Special Situations

We acquire single-name exposures of banking origin, whether unsecured or mortgage-backed, held against both solvent debtors and those subject to insolvency or liquidation proceedings. We ensure that these exposures are managed ethically, safeguarding the interests of all parties involved in the transaction. Our intervention enables the restructuring and marketing of high-value or socially significant properties, and helps ease the debt burden of distressed companies by facilitating access to new financing.

Credit purchases on behalf of third parties

We support third-party investors who, using their own capital and pursuing industrial objectives, aim to acquire non-performing exposures backed by properties for enhancement or companies undergoing restructuring, operating within the framework of the new SMD Directive.
Acquisition of assets and compositions with an assuming party

We intervene in insolvency and liquidation proceedings by means of the acquisition of individual assets owned by the debtor – such as legal claims, tax receivables, trade receivables, real estate and movable property, or equity interests – including through the use of the ‘concordato con assuntore’ arrangement (composition with an assuming party). Our work is designed to expedite the conclusion of proceedings, freeing up financial resources for the benefit of all creditors involved.

Comprehensive due diligence and in-depth analysis

Our due diligence phase is rigorous and thorough. We analyse portfolios and single-name exposures disposed of by banks, funds and other originators, managing internally every stage of the investment process, including opportunity scouting, pricing, negotiation and credit acquisition.

Senior financing and securitisation

In addition to acquiring portfolios of non-performing exposures, we offer senior-financing solutions on distressed opportunities and take part in securitisation transactions, acquiring notes and units in closed-end funds that invest in NPEs, with the aim of broadening our investment opportunities.

Are you a company looking for a partner for the disposal of your non-performing exposures?

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Are you a debtor who has received a letter from Guber Banca?

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Would you like to purchase a credit managed by Guber Banca?

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Further information

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Guber Banca | Iscritta all’albo delle banche al n. 8074
Codice ABI 3656.6 – P.I./C.F. 03140600176 | Cap.Soc. Deliberato 10.480.000 € | Cap.Soc. i.v. 10.256.556 €  – REA 331397
Aderente al Fondo Interbancario di Tutela dei Depositi | Licenza P.S. ex art. 115 TULPS

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