On the 25th of October, the 12th edition of the NPL&UTP event took place in Verona, organised by Centro Studi Alma Iura. On this occasion, Hipoges played an active role in the roundtable focused on publicly guaranteed loans, with the participation of our Chief Business Development Officer, Luigi Izzo, who shared his insights on specialised portfolio management and the importance of collaboration between private entities and public guarantor institutions.
The event was held at a particularly relevant moment for both the banking and investment sectors, as the management of guaranteed loans, asset transfers, and cooperation between financial institutions and guarantee bodies gain increasing strategic importance. Discussions focused on integrated governance models, operational efficiency, emerging legal risks, and the key role played by institutions such as MCC – Mediocredito Centrale and SACE S.p.A.
During Luigi Izzo’s contribution, several key topics were addressed:
- In-house management of guaranteed loans: From Hipoges’ perspective, it was emphasised how a well-structured internal team enables more granular oversight, faster operational response, and tighter alignment with recovery goals. However, it was also noted that such internal management can lead to inefficiencies if not supported by clear governance, standardised processes, and robust technological platforms.
- Loan transfers: The discussion also examined the main criteria to evaluate when to retain loans and when to proceed with disposal. Luigi Izzo highlighted that beyond price or face value, risk profile, guarantee quality, management capability, and investor transparency requirements are fundamental considerations.
- Legal challenges surrounding guarantees in litigation: The evolving legal landscape calls for increasingly strict documentation, clear contract structuring, and continuous monitoring of potential legal risks.
- Strengthening collaboration between guarantors and beneficiaries: Luigi Izzo stressed the importance of moving from a “procedural silence” to a more operational dialogue. In this context, collaboration with MCC and SACE — acting as public guarantors — offers a vital lever to optimise processes, reduce administrative costs, and enhance recovery outcomes.
- Towards an integrated management model: Finally, shared experiences on collaborative governance structures, data-driven platforms, and interoperability between banks, servicers, and guarantee institutions were presented. The model aims at building an ecosystem where all stakeholders operate under common standards, shared metrics, and efficient information flows.
The roundtable provided a highly constructive environment, featuring high-level exchanges and valuable networking opportunities with banks, law firms, tech providers, and public institutions. For Hipoges, participating in the event was an excellent opportunity to strengthen its position as a strategic partner in the management of guaranteed assets and to enhance its visibility and expertise in the Italian and wider European markets.
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