Cepal is the leading independent Greek NPL Servicer, pioneering advanced debt servicing methods and bringing innovative and sustainable solutions to both clients and borrowers. Cepal received the first Servicing license issued by the Bank of Greece. Starting operations in 2017, it now employs a workforce of 250 employees and services over €8Bln of secured and unsecured retail, SBL and SME loans on behalf of both Greek banks and international investors. Cepal’s vision is to mark a new ... (view full description)
Cepal is the leading independent Greek NPL Servicer, pioneering advanced debt servicing methods and bringing innovative and sustainable solutions to both clients and borrowers. Cepal received the first Servicing license issued by the Bank of Greece. Starting operations in 2017, it now employs a workforce of 250 employees and services over €8Bln of secured and unsecured retail, SBL and SME loans on behalf of both Greek banks and international investors.
Cepal’s vision is to mark a new era in the evolution of the NPL secondary market in Greece by enabling effective and efficient receivables servicing, combining sophisticated know-how and analytics and leading performance, while always maintaining and promoting the highest care of conduct and ethics.
DBRS is an independent, privately held, globally recognized credit ratings agency with offices in Toronto, New York, Chicago, London and Frankfurt. We strive to differentiate ourselves from competitors through a more pragmatic rather than mechanistic approach, in-depth research and unequalled mandate execution. Founded in 1976, we are a rapidly growing, international ratings agency with deep roots in Canada. Our four decades' experience and strong track record provide the foundation for us to se ... (view full description)
DBRS is an independent, privately held, globally recognized credit ratings agency with offices in Toronto, New York, Chicago, London and Frankfurt. We strive to differentiate ourselves from competitors through a more pragmatic rather than mechanistic approach, in-depth research and unequalled mandate execution.
Founded in 1976, we are a rapidly growing, international ratings agency with deep roots in Canada. Our four decades' experience and strong track record provide the foundation for us to seek out new opportunities and to make targeted investments that align with our core ratings operations. We do not seek to achieve scale in all markets, but when we choose to enter a new market, we strive to become a leading player known for trusted ratings, opinions and products.
Our approach and our size as the world's fourth-largest ratings agency allow us to be nimble enough to respond to customers' needs in their local markets but large enough to provide the necessary expertise and resources they require. We build meaningful relationships, which contribute to a convincing value proposition for investors and issuers to choose us as a globally accepted alternative to other ratings agencies.
The Deloitte Portfolio Lead Advisory Services (PLAS) team are recognised leaders in European and global loan portfolio advisory projects. We are the most active loan portfolio advisor in the market, and have advised on loan portfolio transactions and completed deleveraging projects covering over €560bn of assets across all major asset classes and jurisdictions. We provide end-to-end advisory services to both buyers and sellers of loan portfolios; from strategy and preparation to sales exec ... (view full description)
The Deloitte Portfolio Lead Advisory Services (PLAS) team are recognised leaders in European and global loan portfolio advisory projects. We are the most active loan portfolio advisor in the market, and have advised on loan portfolio transactions and completed deleveraging projects covering over €560bn of assets across all major asset classes and jurisdictions.
We provide end-to-end advisory services to both buyers and sellers of loan portfolios; from strategy and preparation to sales execution, including strategic options analysis, portfolio optimisation, data analytics, portfolio pricing, asset migration and operational wind down. We also advise financial institutions on non‑core exposures, gaining an outstanding market reputation in global advisory projects covering deleveraging, specialised loan portfolio servicing, operational transformations and bad bank establishment.
Our core senior team has advised governments, financial institutions, regulatory authorities, and global private equity firms on deleveraging and loan portfolio transactions across every major asset class. We bring a wealth of advisory, principal investment and banking expertise, with a dedicated network of over 150 professionals across Europe, and extensive resource and expertise from across the Deloitte global network of member firms, giving us unrivalled insight and understanding of local regulators and markets, and with best-in-class transaction expertise.
Orrick is a global law firm focused on serving the technology, energy & infrastructure and finance sectors. Structured as one team, our lawyers work across 25+ markets in Europe, the United States, Asia and Africa, and we serve Latin America primarily from our office in Houston. Our Structured Finance team advises issuers, lenders, underwriters and investors involved in securitizations and in other structured products globally. The team is consistently ranked among the top issuers’ and underwrit ... (view full description)
Orrick is a global law firm focused on serving the technology, energy & infrastructure and finance sectors. Structured as one team, our lawyers work across 25+ markets in Europe, the United States, Asia and Africa, and we serve Latin America primarily from our office in Houston. Our Structured Finance team advises issuers, lenders, underwriters and investors involved in securitizations and in other structured products globally. The team is consistently ranked among the top issuers’ and underwriters’ counsel in the U.S. ABS, CMBS and RMBS markets. Our European practice is at the center of regulatory change in the European banking markets. We’re ranked Tier 1 for Structured Finance and Derivatives in France by Legal 500 2017, and we’ve been recognized as the #1 firm for nonperforming loan securitizations in Italy for the past two years by Legalcommunity. We innovate not only in our legal advice but also in the way we deliver legal services. In recognition of our work, Financial Times named us #1 on their list of the most innovative law firms in North America in 2017 for an unprecedented second year in a row. To find out more, visit us at orrick.com.
Qquant Master Servicer S.A. (Quant) is a servicer licensed by the Bank of Greece offering end2end Debt Portfolio Management. The Quant team of professionals draws on its rich experience in Greek retail and wholesale NPL management and employs cutting edge financial technology, tested in Greek market realities, to design and apply debt management strategies covering all asset classes. Quant’s tested network of selected best in class DCAs and legal offices ensures optimum implementation. Con ... (view full description)
Qquant Master Servicer S.A. (Quant) is a servicer licensed by the Bank of Greece offering end2end Debt Portfolio Management. The Quant team of professionals draws on its rich experience in Greek retail and wholesale NPL management and employs cutting edge financial technology, tested in Greek market realities, to design and apply debt management strategies covering all asset classes. Quant’s tested network of selected best in class DCAs and legal offices ensures optimum implementation. Contact us at info@qquant.gr or +30 216 000 2000 to find out more on how Quant can help your institution meet its debt management objectives in Greece.
AFME is the voice of Europe's wholesale financial markets. We represent the leading global and European banks and other significant capital market players. We focus on a wide range of market, business and prudential issues and offer a pan-European perspective, bringing to bear deep policy and technical expertise and constructive influence with European and global policymakers.
ESEDA aims to: 1. Assist in creating the conditions necessary for the normal operation of the debt management market in Greece, through compliance to a strict set of regulatory rules and principles, based on the standards of the EU member states. The regulatory framework will assist in : - Protecting the Greek financial system and the national credit market - Ensuring the sustainability of legitimate agencies while protecting the jobs and the families of thousands of employees &nbs ... (view full description)
ESEDA aims to:
1. Assist in creating the conditions necessary for the normal operation of the debt management market in Greece, through compliance to a strict set of regulatory rules and principles, based on the standards of the EU member states. The regulatory framework will assist in :
- Protecting the Greek financial system and the national credit market
- Ensuring the sustainability of legitimate agencies while protecting the jobs and the families of thousands of employees
- Promoting the reliability of the debt management industry.
2. Establish itself as the principal institutional representative of the debt management sector, in the ongoing dialogue among the stakeholders of the industry, including representatives of the government and members of business and social bodies. ESEDA sees to educate the authorities and the public on debt management issues, and protect the collective interests of its members with regards to its institutional role, general commercial aspects and activities related to debt management.
3. Provide the employees of its members with further and continuous education or training, so as to encourage adherence to highly professional standards and pave the path for long term career development.
4. Monitor and update relevant business practices, so as to ensure the total protection of consumers’ rights.
Within an economic environment that appears to be complex, unstable and vulnerable, the role of ESEDA is critical on many different aspects: ESEDA is the body which pursues the establishment of strict criteria and rules not only with regards to the operation of debt management companies, but also with regards to the monitoring and supervision of their service level and the training of their staff. Most importantly, ESEDA may act as a safety valve which can reduce the pressure on the consumers and help them avoid lengthy and costly legal battles. Finally, part of ESEDA’s role is to attest, by means of clearly defined procedures and controls, that its member companies uphold all the relevant international standards.
The Hellenic Bank Association (HBA) is a non-profit legal entity of private law representing Greek and foreign credit institutions operating in Greece. It was founded in 1928 and today has 18 members, of which 9 are regular and 9 associated. The HBA seeks to: promote the Greek banking and financial system and to contribute to the development of the Greek economy, protect and represent the interests and rights of its member banks, and undertake the amicable and out-of-court settlement of dis ... (view full description)
The Hellenic Bank Association (HBA) is a non-profit legal entity of private law representing Greek and foreign credit institutions operating in Greece. It was founded in 1928 and today has 18 members, of which 9 are regular and 9 associated. The HBA seeks to:
promote the Greek banking and financial system and to contribute to the development of the Greek economy, protect and represent the interests and rights of its member banks, and undertake the amicable and out-of-court settlement of disputes between its member banks and parties in transaction therewith.SPOT FRESH OPPORTUNITIES IN SECURITIZATION Every week, Asset-Backed Alert steers subscribers to money-making deals in the global market for securitized consumer loans, home mortgages and corporate receivables. The newsletter also guarantees your edge in the growing CDO market. See for yourself by signing up for a three-issue FREE trial subscription to Asset-Backed Alert. To start your free trial, call 201-659-1700 or visit www.ABAlert.com. ... (view full description)
SPOT FRESH OPPORTUNITIES IN SECURITIZATION Every week, Asset-Backed Alert steers subscribers to money-making deals in the global market for securitized consumer loans, home mortgages and corporate receivables. The newsletter also guarantees your edge in the growing CDO market. See for yourself by signing up for a three-issue FREE trial subscription to Asset-Backed Alert. To start your free trial, call 201-659-1700 or visit www.ABAlert.com.
Debtwire ABS provides insight into opportunistic situations in the structured finance market ahead of any other mainstream news outlet. In addition to our unparalleled editorial coverage, subscribers have access to a bid list library alongside primary issuance, commercial real estate (CRE) and NPL databases. With an ever-evolving market, Debtwire ABS tracks and reports on faulty legacy loans as well as emerging asset classes such as marketplace lending.
The EMEA.gr (EMEA Business Monitor) is an innovative business portal that covers Europe, the Middle East and Africa, with a focus on Southeast Europe and the markets where Greek businesses operate, opening new avenues for business and financial news reality. A portal that opens its online pages to cover, for the first time, major international destinations of Greek businesses that are considered leaders in their field. At the same time, it informs about what is happening in th ... (view full description)
The EMEA.gr (EMEA Business Monitor) is an innovative business portal that covers Europe, the Middle East and Africa, with a focus on Southeast Europe and the markets where Greek businesses operate, opening new avenues for business and financial news reality.
A portal that opens its online pages to cover, for the first time, major international destinations of Greek businesses that are considered leaders in their field. At the same time, it informs about what is happening in the domestic economic, political and social field.
At a time when Greece is the starting point for policy development in both Southeastern and Middle East countries, EMEA Business Monitor ( www.EMEA.gr ) will be the driving force for information and recording of new business data in all sectors.
In this context, EMEA Business Monitor ( www.EMEA.gr ) adopts a professional, valid and timely approach, providing its readers - both in Greece and in the countries of Southeastern Europe and the Middle East - a wealth of global and multi-faceted information for all sectors of business information.
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution ... (view full description)
GlobalCapital is a leading news, opinion and data service for people and institutions using and working in the international capital markets. It provides you with clearly-voiced, lively coverage of key markets based on the comments of those who work in them, together with a wealth of transaction data and archive material. Whether you wish to pick up the pulse of your market, to research in detail an issuer, intermediary or asset class in a particular sector, or to check out how your institution is performing relative to its peers, our service is for you.
GlobalCapital descends directly from EuroWeek (“the voice of the markets”), which has been covering new issues in primary markets for 26 years. Joining the platform are also several key capital markets publications from the Euromoney Institutional Investor Group: Asiamoney, Total Securitization and Derivatives Week. GlobalCapital also sees the introduction of a brand new service on the internationalisation of the RMB.
The combination of these elements on state-of-the-art new web technology provides a device-neutral, flexible global news and data service where relevant related articles and data are a click away.
GlobalCapital.com delivers daily services dedicated to the following key market sectors: FIG/Bank Finance including Covered Bonds, Corporate Bonds, Syndicated Loans, Equity, Leveraged Finance, Sovereign and Supranational and Agency Bonds (SSA), SRI/Green Bonds, Global Emerging Markets, Securitization, Asia Pacific Markets, Derivatives, and Offshore RMB. The service comes with sector specific priced deals data sets, league tables, deal pipelines and people moves.
Mergermarket’s 300 dedicated M&A journalists and analysts are in constant communication with CEOs, CFOs and industry contacts and report what they learn to subscribers. An indispensable resource for M&A professionals.
SCI is a specialist publisher of news, data and analysis on all aspects of the structured credit and ABS markets globally.
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Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.
For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.
Euromoney is the primary data controller of personal data collected through this website or that we may collect in different ways as described in this Privacy Notice. If you are contacted by our other group companies, they will also be controllers of your personal data. This means that they are responsible for how your personal data is used, just as we are. You may contact any of these companies directly, or you can contact Euromoney by emailing dataprotectionofficer@euromoneyplc.com or writing to the Data Protection Officer at Euromoney Institutional Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.
This Privacy Notice was updated on 23 May 2018
This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.
Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.
We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.
When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).
We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).
Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.
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When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.
If you subscribe to one of our products or services, we will also ask for payment details. Credit/debit card payments are processed using a third party supplier and we do not retain the credit card data (see the Third Party Sites of this Privacy Notice). Address details may be shared with third party service providers engaged by us for order fulfilment, delivery and payment collection. This personal data is used by us to complete subscription requests.
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Events & Conferences
If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.
This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.
We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.
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Advertising & Marketing
We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.
Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.
You can opt out from receiving such materials at any time.
The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).
Marketing materials are sent electronically, by post and we may occasionally call you.
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Online Targeted Advertising
We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.
We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.
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Lead Generation and Scoring
We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.
We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.
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Surveys, Market Research & Customer Feedback
We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.
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Public forums, message boards and blogs
Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.
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Business or Asset Sale
If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.
If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.
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Additional Third Party Disclosures
We may disclose your personal data to other third parties in the following situations:
- To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
- Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
- If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
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Email Tracking
We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).
Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.
We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.
We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:
- Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
- The business rationale for collection and expiry of the purpose for which personal data was collected;
- Our ongoing ability to ensure the accuracy of the data; and
- Legal and regulatory requirements.
We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.
You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.
You have certain rights in relation to your personal data which include the following:
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Access & Portability
You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.
You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.
If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.
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Rectification, Restriction, Objection
You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.
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How to Exercise Your Rights
To exercise any of these rights, please contact us by post or email at the following addresses:
Euromoney Institutional Investor PLC
8 Bouverie Street
London, EC4Y 8AX
United KingdomEmail: dataprotectionofficer@euromoneyplc.com
Web form: Complete Subject Data Request Form
We may need to check your identity prior to processing a request.
Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.
Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.
All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.
Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.
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