The Group's mission is to redefine the role of finance in the economic system, acting as an evolved intermediary between capital and productive realities. Transform complex situations, such as secured deteriorated credits, into opportunities for recovery for debtors and satisfaction for creditors. The use of advanced financial instruments and sustainable management solutions enables generating measurable value for all stakeholders involved. At the center is the idea of finance that builds, not that disposes: a model capable of restoring economic dignity and generating trust. Expertise and selectivity guide every intervention, with the aim of combining returns and impact. Finance, in this vision, returns to being a concrete tool for transformation and growth.

The Group adopts a structured and integrated model that combines financial expertise, data analysis capabilities and consolidated experience in the real estate sector. The evaluation process is based on in-depth technical analyses, market studies and on-site inspections, combined with direct interaction with the debtor.

This personalized approach – called "coaching" – enables:

• accurately and timely evaluate properties in every Italian municipality;
• optimize credit recovery times;
• maximize asset value;
• achieve high rates of out-of-court agreements.

The activity is structured along three strategic lines:

• The activity focuses on the management and valorization of deteriorated credits, with particular attention to those secured by real estate. The approach involves the selection, acquisition and management of NPL and UTP portfolios, focusing on quality assets and shared recovery paths with debtors. The intervention is based on transparency and efficiency, thanks to collaboration with a qualified network of professionals.
• In parallel, securitization operations with social impact are developed, structured through dedicated vehicles to support families and businesses in difficulty. These initiatives aim to promote financial stabilization, reduce litigation and generate positive social impact, in line with ESG principles.
• Finally, a loan line for recovery in bonis is offered, designed for debtors temporarily excluded from the banking system. These are personalized refinancing solutions, based on careful credit analysis and adequate guarantees, aimed at promoting economic recovery and return to financial sustainability.