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European Union › Non-Performing Loans (NPL)

The European Union is an economic and political partnership comprised of 27 nations within the Eurozone. The EU was established in 1948 to promote stability and cooperation among member states in the aftermath of... more +
The European Union is an economic and political partnership comprised of 27 nations within the Eurozone. The EU was established in 1948 to promote stability and cooperation among member states in the aftermath of WWII. The EU maintains a common currency as well as several intranational institutions, including the European Parliament and the European Commission. less -
White & Case LLP

NPL players rethink strategy in a changing market

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Elevated interest rates have led to an increase in European NPL volumes, but levels remain far below the peaks during the financial crisis period. NPL investors and servicers are rethinking their business models to adjust to...more

Morgan Lewis

Non-performing and Re-performing Loan Securitisation in Europe: What Does the Future Hold?

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An elevated level of non-performing loans (NPLs) on European banks’ balance sheets drove a slate of legislation and regulation in recent years, including directives aimed at developing and enhancing a secondary market for...more

White & Case LLP

Tighter profits drive NPL consolidation

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Weaker deal flow and tighter profit margins are driving a wave of consolidation in the European non-performing loan servicer market - Europe’s non-performing loan (NPL) servicers—entities that collect payments and manage...more

McDermott Will & Emery

Erlaubnispflicht für Kreditdienstleister – Dienstleistungen für Non-Performing-Loans sind jetzt erlaubnispflichtig

McDermott Will & Emery on

Mit dem Inkrafttreten des Kreditzweitmarktgesetzes am 30. Dezember 2023 sind Dienstleistungen in Bezug auf sogenannte Non-Performing-Loans, also Kredite, die nicht mehr bedient werden oder vom Ausfall bedroht sind,...more

White & Case LLP

European NPLs: Market earns welcome breathing room

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The ongoing decline in NPL volumes in 2022 and pivot towards smaller disposals leave European lenders well positioned to withstand adverse economic conditions. Lenders are enjoying the fruits of their labours. Having...more

Akin Gump Strauss Hauer & Feld LLP

EU Regulatory Developments on Credit Markets

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What’s New? A new European Union (EU) Directive on Credit Servicers and Credit Purchasers (the Directive) requires investors who acquire, manage, or sell non-performing loans (NPLs), issued by EU-authorised credit...more

Hogan Lovells

EU Non-Performing Loans Directive: Potential impact of implementation in some key Member States

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The EU Directive (EU) 2021/2167 (NPL Directive), published in the Official Journal of the EU on 8 December 2021 and regulating the sale, purchase and servicing of both consumer and commercial non-performing loans (NPLs)...more

Orrick, Herrington & Sutcliffe LLP

Comunicazione Della Commissione Sugli Orientamenti Relativi Alla Procedura Di Vendita Alle Condizioni Migliori Di Crediti...

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In data 21 ottobre 2022 è stata pubblicata la comunicazione della Commissione Europea del 21 ottobre 2022 concernente gli orientamenti relativi alla procedura di vendita alle condizioni migliori di crediti deteriorati sui...more

White & Case LLP

Regional spotlight on NPLs: Greece, Italy, Spain and beyond

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Europe's banks continue to defy expectations—not a single country saw its banking sector’s NPL ratio increase in 2021, with the vast majority reporting an improvement....more

White & Case LLP

European NPLs: The journey from COVID-19 to Ukraine

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While the spike in bad debt and subsequent tsunami of NPL and non-core loan deals that was anticipated due to COVID-19 did not materialise, the increasingly volatile market trends may lead investors to discover new and...more

Latham & Watkins LLP

NPE servicers prepare to retain risk under EU Securitisation Regulation

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Recent changes to the Securitisation Regulation allow eligible servicers in the EU to retain the 5% net economic interest in traditional securitisations of non-performing exposures (NPEs). The European Banking Authority (EBA)...more

Hogan Lovells

Banking and finance regulatory news, June 2021

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Resolution assessments: PRA PS10/21 on amendments to reporting and disclosure dates - Following its consultation in CP19/20, the UK Prudential Regulation Authority (PRA) has published a policy statement, PS10/21, on...more

Hogan Lovells

Capital Markets Recovery Package (CMRP) – Quick fixes or long-term solution?

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CMRP has introduced new EU rules for NPL securitisations and a framework for “STS” synthetic securitisations - On 1 January 2019 EU Regulation 2402/2017 (Securitisation Regulation) started to apply, giving rise to one of...more

Hogan Lovells

Banking and finance regulatory news, November 2020 # 4

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Submission of statistical data: BoE Green Notice 2020/02 - The Bank of England (BoE) has published a Green Notice 2020/02 announcing future changes to the submission of statistical data to its Data and Statistics Division...more

Latham & Watkins LLP

European Commission Proposes Amended Framework for the Securitisation of Non-Performing Exposures

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The proposal is part of an effort to aid economic recovery and enhance the capacity of banks to lend to corporates and SMEs. The European Commission’s proposal to amend the Securitisation Regulation1 and the Capital...more

Cadwalader, Wickersham & Taft LLP

COVID-19 Update: The European Commission Proposes Urgent Amendments to the EU Capital Requirements Regulation

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On 28 April 2020, the European Commission (the “Commission”) proposed a new Regulation to make targeted amendments to the EU Capital Requirements Regulation (575/2013) (“CRR”) and the CRR II Regulation ((EU) 2019/876) (“CRR...more

Latham & Watkins LLP

Impact of COVID-19 Measures on European Asset-Backed Securitisations

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While lessons learned from previous crises suggest that well-designed structures are resilient under stressed circumstances, the COVID-19 crisis presents new challenges for European ABS. Governments across the globe...more

White & Case LLP

The sovereign-bank nexus – Holistic solution needed to end a vicious cycle

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Since the financial crisis of 2008, numerous emerging and developed countries experienced a substantial increase to their government gross debt-to-GDP ratio (sovereign debt). In addition, there were significant increases in...more

White & Case LLP

Financial Regulatory Observer - December 2019: Securitization set to come of age in NPL resolution quest

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Refinements to the regulatory framework are needed before banks can make widespread use of securitization by European banks. Volumes of non-performing loans (NPLs) European banks have halved since 2015, driven by an...more

A&O Shearman

Eurozone Supervisory Priorities for 2020

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The European Central Bank's Banking Supervision arm has published the 2020 supervisory priorities of the Single Supervisory Mechanism and a risk assessment for 2020. ECB Banking Supervision has identified the following risks...more

A&O Shearman

European Central Bank Amends Its Supervisory Expectations on Non-Performing Loans

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Following the coming into force on April 26, 2019 of an EU regulation amending the Capital Requirements Regulation that introduced a statutory prudential backstop, and requires banks to have minimum loan loss coverage for...more

A&O Shearman

Key Regulatory Topics: Weekly Update 16 August 2019 - 22 August 2019

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FINTECH - ESMA and EBA letter to the European Commission on crypto-assets work - On 20 August, ESMA and the EBA published a letter sent to the Commission on crypto-assets. The letter was sent in response to the...more

Orrick - Finance 20/20

EMU: European Commission Publishes Reports on Progress

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The European Commission has recently published the following documents, accompanied by a series of press releases and fact sheets: Communication, Deepening Europe’s Economic Monetary Union (EMU): Taking stock four years...more

White & Case LLP

European Real Estate Finance: Recent developments – June 2019

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As part of our periodic updates, here is an overview of recent developments of relevance to participants in the real estate finance market across certain key jurisdictions in Europe....more

Jones Day

Securitization in Italy: Recent Reform Opens New Investment Opportunities in Real Estate Market and Boosts NPLs/UTPs Dismissal

Jones Day on

The Situation: In the last years the Italian legislature reformed the Italian securitization law to foster investments in NPLs/UTPs by Italian and foreign professional investors. A recently approved law decree provides for...more

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