AZ Holding presentation - Credit Management (eng version)

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A LOCAL PARTNER WITH A GLOBAL VISION FOR NPL

MANAGEMENT

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OUR COMPANYAZ Holding

. AZ Holding is an independent Full Credit Servicer specialized in NPL management across all assets classes (secured /unsecured – individual, corporate, real estate). We coordinate our collection channels and integrate public and private information in order to define the most effective collection strategy and ensure the highest performance to our Clients (major national financial institutions, international funds, utility companies and servicers) We are also active in the anti-fraud insurance market, intelligence market, security and heritage protection.

AZ Holding is able to combine: info-providing, asset class and collection to ensure flexibility in action and excellent performance.

AZ Holding is member of:

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CEO

CFO IT

HRAdministra

tionManagement

Control

Credit Management

Sales ManagementCOO

Italy International Online & Mass MarketStaff

Performance BU HR & quality Back Office Legal office Business

Intelligence

AssetsCollectionInfoproviding

Tracing Pre Legal

Legal

Phone HomeLegal

UnsecuredCorporateReal Estate

Quality, Innovation & Processes Manager

AZ Holding


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A-Zeta s.r.l. was founded in 1974 in Naples by Antonino Restino, who is currently the majority shareholder of the Group. The company has grown since then thanks to investigation services and info-providing business. Today AZ Holding is a pioneer in the NPL Fintech sector, with a vision which is anticipating the market.

HISTORY

A-ZETA SRLFoundation of the

company

2016 and beyond 20152014201320001974

NPL INFOPioneers of business info related to distressed debtCREDIT RECOVERY

Collection management process is at full throttle, over

120K cases per month

ELITEAZ Holding enters the Elite program of Borsa Italiana

PORTFOLIOOver half a billion € under

managament

GLOBAL VISIONLaunch of a global vision

for debt management services

AZ Holding


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Paid-in share capital amounts to 9.600.00 euro. In 2015 revenue reached 8.3 mln euro. AZ Holding has more than 200 staff members including managers, consultants, experts and employees.

DIMENSION

GROWTHCAGR 18%

Thanks to the know-how, technology and specific skills dedicated to the creation of flexible processes and solutions, AZ Holding has grown exponentially in the last three years.

AZ Holding

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1,000,000

2,000,000

3,000,000

4,000,000

5,000,000

6,000,000

7,000,000

8,000,000

9,000,000

Group revenue

2013 2014 2015


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EBITDA & NET PROFIT

*Unaudited

2013 2014 20150

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

398,442

695,369

851,500

Net Profit

*2013 2014 20150

500

1,000

1,500

2,000

2,500

881

2194

2400

EBITDA

17,58%

thousand euro

30%27,46%

*

AZ Holding


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ELITE GROUP

ITALIAN STOCK

EXCHANGE

On May 7 2014 AZ Holding has become part of the prestigious Elite Group of the Italian Stock Exchange. AZ Holding, alongside the best Italian companies, is on the ELITE path towards continued growth, change and leadership.

AZ Holding is one of 300 European companies ELITE Program of the Italian Stock Exchange (Borsa Italiana – LSE Group). AZ is the only company representing the financial services sector in ELITE. The ELITE Program is consolidating AZ’s focus on organizational excellence and governance to ensure a stronger brand and greater client outreach.

AZ Holding


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AZ Holding’s proprietary database incorporates over 1 million records (prevalently individuals) and is increasing exponentially. New business areas currently interface with the world of big data. We use the most updated technologies to design new custom services for the biggest national insurance companies.

BIG DATAAZ Holding


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OPERATIONS

HR

1 Collection Manager

3 Asset Managers 4

Analysts8

Back office

10 Team Leaders

110 Phone collec-

tors60 Info-providing

Unit

5 Legal Team

30Field Agents

AZ Holding


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DAILY EFFORTUnder Management € 550.000.000

EFFORT #

Info-providing reports per month 72.000

Collection cases per month 120.000

Daily phone contacts 5.000

Daily home visits 180

In court cases per month 40

AZ Holding


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COLLECTIONRegions % Collected % Unirec average

ABRUZZO 5,33% 5,46%CALABRIA 5,15% 4,78%CAMPANIA 5,40% 4,88%EMILIA ROMAGNA 5,81% 5,39%LAZIO 7,19% 6,85%LIGURIA 6,54% 6,41%LOMBARDIA 6,69% 6,37%MARCHE 7,73% 6,91%PIEMONTE 6,63% 5,93%PUGLIA 5,83% 5,22%SICILIA 6,23% 6,00%TOSCANA 6,10% 5,66%UMBRIA 6,87% 6,37%VENETO 6,36% 5,90%Total 6,23% 5,78%

AZ Holding


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High Value Processes

Data insert

1 Phase data

enrichment

Quality

CheckCollection

Phone Home &

Legal

Database

Portfolio Analysis

Set up gantt

1 Phase data

enrichment

2 Phase data

enrichment

Delivery

Infoproviding

Collection Internal Phase

Internal Phase

ORDER SET UP STRATEGY OPERATIONS

Legenda

TBR

Quality

Control

DELIVERY

CREDIT SERVICER

AZ Holding


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ORDER STRATEGY SET UP OPERATIONS DELIVERY

Portfolio Analysis

Custom

Database

Infoproviding

Set up gantt

Assesment Phase

CollectionPhone

Home & Legal

2 Phase data

enrichment

Assu

ranc

e Pe

rson

al

Des

k

Delivery

TBR

Operation Software - Database

Database

PHASE VALUES

BUSIN

ESS IN

TELLIGEN

CE

AZ Holding


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BUSINESS INTELLIGENCE TO SUPPORT MANAGEMENT CONTROL & PERFORMANCES

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CONTROL &

MONITORING

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Calculation of margin

Project Codes

BU Access

Performance Timing

PLANNING MANAGEMENTAZ Holding


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Link to internal billing system

List Di.Ba.

Research Filters

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PLANNING MANAGEMENT


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Operations status

OPERATIONS MANAGEMENTAZ Holding


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Example: historic data rilevation

Example: historic profile

AZ Holding

OPERATIONS MANAGEMENT


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Download results

OPERATIONS MANAGEMENTAZ Holding


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COLLECTION MANAGEMENTAZ Holding


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AZ Holding

COLLECTION MANAGEMENT


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GENESYS TO B.I.AZ Holding


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PROJECT MONITORING

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CUSTOMER SATISFACTION

Data Survey 2015 30/07From 0 to 10Credit Management

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DATA SECURITYInternal IT and Claim Management System is certified according to

ISO 27001. In order to comply with ISO rules we operate with a special focus on the following procedures:1) Planning2) Implementing3) Monitoring4) Mantenaining 5) Risk assessment

DISASTER RECOVERY

Disaster recovery in 24 h

Compliance ISO 27001

AZ Holding


https://www.google.it/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=&url=http://www.silverpeakworks.com/Solutions-Disaster-Recovery.asp&psig=AFQjCNGhaLajsZ856R2szm2448NoaJjFkw&ust=1447334020881685

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INTEGRATIONClient Management System

• Data extraction

AZ Management System

• Workflow data

Client Management System

• Acquisition of workflow data

Process assessment to ensure any kind of data integration Flow control Automatization of data flow Web integration into encrypted channels

Crypto-WEB Crypto-WEB

AZ Holding


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PRODUCTS

AZ Holding


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TOP PERFORMANCE

“PARADISE TRACING”

ADVANTAGES

Our signature Paradise approach responds to our client’s need to leave no stone unturned when working out distressed debt positions. Our objective: identify new targets related to deceased borrowers, doubling the chances of credit recovery. AZ is a pioneer of innovative services for the benefit of our customers.

COLLECTION

Paradise Tracing is a revolutionary method to decrease costs through the massive management of credit lines due from deceased debtors in NPL portfolios. Our revolutionary system allows rapid heir tracing and subsequent processing, identification and profiling of income, which are preliminary to debt collection activity.

AZ Holding


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Fast track is innovation in the info-providing business: a entire portfolio of high quality products, releasable in few hours even on big volumes of information. The objective is to obtain reliable information on future clients.

We invested in software, we designed new processes, we also strengthened our team with new professionals to be able to offer unique services unmatched by our competitors.

FAST TRACK

AZ Holding


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ME & SME Scoring and Rating provide key value to our clients through a mix of public and freshly investigated information, enhanced by financial analysis as well.

Furthermore, they help developing of business relationships with sustainable risk management. Thanks to our products, credit risk can be measured and mitigated.

SCORE & RATING ME / SME

ADVANTAGES

These products are a verification service to be used massively for fast screening of clients during the acquisition phase (both individuals and companies). The score reliability is displayed with two possible outcomes: positive or negative; the result is supported by a proprietary algorithm, developed and owned by AZ Holding.

AZ Holding

CREDIT MANAGEMET


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NPL SME PLUS SME Plus (partnership) is a service to evaluate the potential success of collection recovery on a partnership or association of persons. It combines official data of public registries with freshly investigated information. It also provides guidance on assets and properties related to the partnership.

SME Plus (commercial company) is a service to evaluate the possibility of credit recovery on the company and/or its primary shareholders and their personal assets. We are also able to provide information on negative events and on the real estate assets availability to the company and the personally liable shareholders.

The service is able to guide and enforce the collection strategy in order to reach the optimal performance on credit recovery. ADVANTAGES

COLLECTION

AZ Holding


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SECURED NPLsAZ Holding has created two innovative services that will allow the maximum performance of secured portfolios. Two products able to add a further level of detail on debtors: in addition to economic and financial information, we provide our customers with an overview of the real estate property of debtors with a massive or specific focus according to the customer’s required needs.

Asset Hound: the sharpest nose on the real estate trail! This product identifies assets, verifies liens and encumberances, and determines the mortgageable value of the property.Asset View: this product provides a precise picture of all debtors’ real estate assets and includes the value of the unencumbered proper

ADVANTAGES

REAL ESTATE

AZ Holding


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Milanvia Borgogna 2, 20122Ph. +39 02 760 22 442Fax +39 02 760 26 408

Naplesvia Santa Lucia 50, 80132Ph. +39 081 764 60 60Fax +39 081 247 11 60

Romevia F. Rosazza 46, 00153Ph. +39 06 693 194 05Fax +39 06 693 181 73

Pozzuolivia Antiniana, 2 80078Ph. +39 081 764 60 60Fax +39 081 247 11 60

AZ Holding
