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 approachduring collection
Integrate ESG criteriain the NPE credit business
Improve the energy label of repossessed real estate assets
Contribute to the financialeducation of corporates
Adopt a proactive approach during collection
Our commitments:
- Manage the credit with a proactive approach
- Cooperate with the client to find a conciliatory solution, favoring extra-judicial settlements
- Acting with fairness, loyalty, transparency, respect
- Monitoring sustainable management of each business division
- Facilitating the financial recovery of households and corporates
- With the Re.perform project we support retail mortgage customers in returning to performing status
Integrate ESG criteria in the NPE credit business
Our commitments:
- Include the ESG criteria in the risk assessment and risk management of the credit portfolios
- Integrate ESG risk management within AMCO’s Risk framework
Improve the energy label of repossessed real estate assets
We are committed to mapping the energy labels of repossessed properties with a view to a potential improvement.
Contribute to the financial education of corporates
We are committed to contribute to the financial education of corporates to discourage unsustainable indebtedness level.
Find out the results we have achieved 2023 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.
