NPL management strategy

• The retail and commercial bank holds a banking license in Sweden and offers financial services such as loans, credit cards, saving accounts, and factoring.

• As a result from their operations, the retail and commercial bank handles Non-Performing Loans (NPLs) which is regulated through the EU’s directives on credit servicers and credit purchasers, as well as capital requirement regulations (CRR/CRD). 

• zeb assisted the retail and commercial bank in handling the backstop-related issues in their NPL portfolios, with a focus on risk management, retained profits, capital relief, and regulatory compliance.

• Several strategic options were investigated and offered to the retail and commercial bank, such as credit purchaser/servicer structures, specialized debt restructurer entities, securitization, and joint ventures, allowing them to implement a tailored and optimized solution.

License applications

• zeb has conducted several license application projects for various clients in the financial sector, including licenses in Sweden for credit market companies, payment institutions, and investment firms.

• The projects usually consist of reviewing the applicable regulatory framework, performing a gap analysis, preparing financial forecasts and other necessary documents.

• Requirements on risk management are often covered in the licenses, in areas such as credit risk, market risk, operational risk and capital adequacy.