Sustainable Credit Management
We produce value managing credits with a proactive approach and in accordance with ethical principles, to facilitate the financial relaunch of households and corporates
Managing credit sustainably means to adopt a proactive approach to the credit recovery and the integration of ESG criteria within the NPE credit business, respecting clients and supporting companies.
These are our strategic objectives:
Adopt a proactive approach in recovery activities
Integrate ESG criteria into the credit and risk management processes
Improve the debtors’ customer journey
Improve the energy label of owned real estate assets
Contribute to the financial education of corporates
Adopt a proactive approach in recovery activities
Our commitments:
- Manage credits with a proactive approach
- Cooperate with the client to find a conciliatory solutions, favouring extra-judicial settlements
- Act with fairness, loyalty, transparency, respect
- Monitor sustainable management of each Business Division
- Facilitate households’ and corporates’ financial recovery
- With the RE.Perform project we support retail mortgage clients in their return to performing status
Integrate ESG criteria into the credit and risk management processes
Our commitments:
- Include ESG criteria in the risk assessment and risk management of the credit portfolio
- Integrate ESG risk within AMCO’s Risk Framework
- Monitor the portfolio’s exposure to physical (geological and hydrogeological) and transition risks
- ESG criteria embedded into Credit Management Strategies
Improve the debtors’ customer journey
We are committed to improving the customer journey from the initial contact request through to the handling of the case.
Improve the energy label of owned real estate assets
We are committed to mapping the energy labels of owned real estate assets with the aim of evaluating potential investments to improve their energy label.
Contribute to the financial education of corporates
We are committed to contributing to the financial education of corporates to avoid situations of unsustainable indebtedness.
Find out the results we have achieved 2024 Sustainability Report
Our sustainable approach
Previous Reports:
Our sustainable approach
HAVE A DECALOGUE
We have defined 10 Principles for the management of impaired loans: ten guidelines to direct our activities and those of our partners.
FIND SOLUTIONS
We actively cooperate with our clients, seeking to reach an extra-judicial settlement through constructive dialogues.
GIVE BACK A BETTER FUTURE
Our sustainable and collaborative approach is guided by the desire to safeguard business continuity and industrial relaunch, including by providing new financing.
