"Flow purchase portfolios of non-performing consumer loans (NPL) and recover them through ethical, tech-driven collection strategies and system. To maintain financial prudence and a sound banking system with moderate bad debt levels, financial institutions will need to figure out efficient risk management." This paragraph to be moved from title to the grey panel as an introduction.
NPL collections are expensive to manage in terms of time and manpower resources, putting pressure on long-term profitability and making it harder to absorb future losses and strengthen capital buffers.
Large NPL portfolios force banks to retain higher levels of capital, reducing their ability to provide new credit, potentially good investments are postponed or abandoned.