Loan Portfolio Profiling™ 

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LPP™ is a valuable tool for all stages of credit control, since current conditions make even more necessary for any organization to have a full image of the current real and assets condition of all its customers and debtors.

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This specific methodology is being successfully used in the management of SB, Housing or Consumer portfolios, regardless of whether they are at prelegal or legal stage by Banking or Financial institutions, aiming not only at increasing debtor’s contact rate and the personalized further management of the claim, but also at increasing the recovery rate or the further securing and increase of the portfolio’s value.

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LPP™ methodology also allows the company or the organization to:
•    Increase securely the sales and the credit limits on the existing active customers who own real estate free of pledges.  
•    To reexamine its credit policy on the existing active customers whose assets have been recently transferred or bear encumbrances or prohibitions of variation.
•    To gradually decrease or even discontinue cooperation with the existing active customers whose assets have been recently burdened or seized by any creditor or the State or social Security funds.  
•    To check the creditworthiness of new candidate target customers. 
•    To substantiate the tax write-off of doubtful debts.
 
LPP™ is already being used by 2 large systemic Banks as well as by large companies in the sectors of telecommunications, power supply, foods and others.

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LPP ™ methodology is fully harmonized and compliant with GDPR (Personal Data Protection Law) 216/679.

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This methodology and the structure of the database constitute a legally protected intellectual work, according to the provisions of articles 3 and 4 of Law 2121/1993, as applicable today, under the title “Loan Portfolio Profiling™” (hereafter LPP™) Legal Assessment Commercial Risks (no. 19.472/2016 act of deposition of intellectual work).