Β2KAPITAL CYPRUS LTD (registered number HE378002) aims to acquire and manage loan and credit claims on its own and/or on behalf of financial institutions according to best practices and in compliance with the legal and regulatory framework.
We focus primarily on key loan types such as unsecured consumer loans and loans to small and medium-size businesses.
Retail banking claims
Our focus on retail banking claims reflects the size of this type of NPL stock and the corresponding need for systematic ways to effectively address the problem. Due to the vast expertise and support of B2 Holding, a Group of companies specializing in such claims, B2KAPITAL can offer proper and long-term sustainable work-out solutions.
The segmentation and clustering of non-performing loans is driven by the claim’s age or vintage, as well as by the management methodology that should be applied. To efficiently manage such claims, B2KAPITAL evaluates all available data regarding the debtors’ reasonable living expenses, and identifies the recovery options for each position.
Loans to Small and Medium-size Enterprises (SMEs)
We also focus on non-performing SME loans because small and medium-size businesses are the backbone of the Cyprus economy. In B2KAPITAL we believe that there is significant potential with regards to the recovery of non-performing SME loans, while the number of companies that have the skills and the expertise to do that is relatively limited.
In B2KAPITAL we also believe that each non-performing loan has its own unique characteristics and must be, therefore, serviced accordingly. Our NPL management methodology involves the analysis of each business’ viability and its long-term prospects, in conjunction with various recovery options, as well as the ability to devise an action plan regarding the work-out of non-performing loan positions of specialised segments.