On the 23rd of October, Hipoges took part as Premier Sponsor in the 15th edition of the NPL Iberian Forum, organised by CMS Group Europe in Lisbon. This forum has become one of the most relevant events in the Iberian Peninsula for analysing the distressed debt market, non-performing loans (NPLs) and new investment opportunities in the financial and real estate sectors.
Throughout the day, representatives from banks, investment funds, servicers, legal advisors and regulatory bodies shared their insights on the trends shaping the future of the market, in a context defined by high interest rates, asset quality pressures and the technological transformation of the financial ecosystem.
The Hipoges delegation, led by Rita Couto (Chief Global NPL Officer), Armando Castanheira (Chief Operating Officer) and Pedro Valle Domingues (Chief Business Development Officer), highlighted the high quality of the sessions and the value of the exchanges that took place throughout the day.
Such forums are essential for visibility and networking, helping strengthen relationships with strategic partners and remain at the forefront of emerging market trends.
A Changing Regulatory Landscape: Transposition of the EU Directive
The opening session of the forum addressed one of the most relevant topics for the sector: the transposition of the European Directive on NPLs into the Portuguese regulatory framework.
Legal experts discussed the impact this directive will have on licensing requirements, servicer supervision, and transparency in the secondary debt market.
The debate emphasised that harmonising European rules will contribute to greater stability, efficiency and competitiveness, while encouraging the entry of new players into the market.
Portuguese Market Outlook: New Opportunities and Investment Models
Later in the day, the forum delved into the current state of the Portuguese NPL market and its outlook for 2025 and 2026. Speakers agreed that hybrid portfolios and reperforming loans are gaining traction, while securitisation structures are consolidating as key mechanisms to improve transaction efficiency.
In this context, Hipoges reinforces its commitment to value creation through active portfolio management and tailored solutions aligned with market evolution.
Technological Innovation: The Digital Transformation of Debt Recovery
One of the key themes of this edition was the role of technology and innovation in the evolution of servicing models. Discussions on artificial intelligence, automation and advanced analytics highlighted how digital tools are improving operational efficiency, optimising client segmentation, and increasing recovery rates. Hipoges, which in recent years has integrated advanced technological solutions for data management and asset monitoring, shares the view that digitalisation
SMEs and Midcaps: New Avenues for Investment and Recovery
The final session focused on the challenges and opportunities in the SME and midcap segments, among the most affected by current credit conditions. Speakers emphasised the role that specialised servicers and alternative credit funds can play in the restructuring and recovery of corporate assets.
With its extensive experience in managing complex portfolios, Hipoges continues to promote responsible recovery practices and collaboration between investors, financial institutions and companies.
The participation of Hipoges in the NPL Iberian Forum 2025 reaffirms its position as a benchmark in asset and distressed debt management, as well as its commitment to innovation, transparency and operational excellence.
Through its presence in leading sector events, the company continues to promote knowledge exchange and collaboration among market participants, contributing actively to the transformation of the Iberian financial and real estate ecosystem.