Brochure AZ Holding EN Version - Credit Management

welcome

AZ Holding, is an independent Full Credit Servicer, which operates in NPL manage-ment in all asset class (Secured-Unsecured/ Individual-SMEs-Corporate) by coordina-ting collection channels and maximizing info

providing activities. Clients are major natio-nal financial institutions, international funds, utility companies and servicers. We are also active in the anti-fraud insurance market, in-telligence market, security and inheritance protection.

WE

A-Zeta s.r.l. was established in 1974 in Naples by Antonino Restino, who is currently the majority shareholder of the Group. The

company developed over the course of the-se years thanks to investigation and the info providing business.

HISTORY

1975 1986 2009 2013 2014 2015Foundation of

A-Zeta Srl Digitalization

of infoproviding activities

Creation ofAZ Holding Group

Setup of creditcollection

Member of the ELITE group of Italian Stock

Exchange

Full Credit Servicer

AZ Holding is an all-round producer and pro-vider of information. The decades of expe-rience in the field and the direct supervision of the infor mation network, the aptitude for problem solving along with broad knowle-dge of all processes related to the world of credit, to gether with sources of investment

in tech nology platforms allow the group to offer a unique and flexible service for its customers. Commercial information within the world of credit in massive volumes has been the specialization for 40 years. In our team craftsman ship, excellence and digita-lity have found a balance which is possible and feasible even in the world of credit sup-port services.

MAKER

BU

SIN

ES

S

UN

ITS Credit Management

Insurance Anti-fraud solutions

Investigation Technology

Intelligence

Welcoming

Credit Management, infoproviding and anti-fraud in insurance

Intelligence

Stewarding and events security

Welcome service and security technology

GROUP STRUCTURE

“The pleasure of being able to choose is the philosophy that distinguishes us in our relationship with our customers”.

OUR OFFICES

NAPLES

NAPLES

ROME

MILAN

Paid-in share capital amounts to 9.6 mln euro. In 2015 revenue reached almost 8.3 mln euro and equity is 13.2 million euro. AZ Holding has more than 200 staff members including managers, consultants, experts and employees. Thanks to the know-how,

technology and specific skills dedicated to the creation of flexible processes and solu-tions, AZ Holding has grown exponentially in the last three years.

GROWTH

CAGR 18%

The AZ Holding data base incorporates hundreds of thousands of information and is growing exponentially. New business are-as 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 DATA

On May 7 2014 AZ Holding has became part of the prestigious Elite Group of the Italian Stock Exchange.

The program in which AZ Holding alongside with the best Italian companies will be ac-companied in a path of growth, change and leadership.

ELITEGROUP

AZ Holding fully enters the group of 197 Ita-lian excellent companies admitted to the ELITE Group, with a common growth orien-tation. Starting from the beginning AZ Hol-

ding’s has been focused on organizational and governance improvements to support the Group growth and reputation.

I T A L I A N STOCK EXCHANGE

OPERATIONSHR

60INFOPROVIDINGUNIT

10TEAM LEADERS

8BACK OFFICE

4ANALYSTS

110PHONE COLLECTORS

30HOME COLLECTORS

5LEGAL TEAM

30FIELD AGENTS

1COLLECTION MANAGER

3ASSET MANAGERS

BUSINESS AREA

UNSECUREDSECURED

INDIVIDUAL CORPORATE SME’s

WE ARE

FASTFLEXIBLERESPONSIVECREATIVE

PRODUCTS

TOP PERFORMANCEPARADISE

COLLECTIONNEW

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 inno-vative services for the benefit of our customers.

Paradise Tracing is a revolutionary method to decre-ase 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 acti-vity.

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 futu-

FAST TRACK

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

SCORE & RATING ME / SME

COLLECTIONNEW

These products are a verification service to be used massively for fast screening of clients during the ac-quisition phase (both individuals and companies). The score reliability is displayed with two possible outco-mes: positive or negative; the result is supported by a proprietary algorithm, developed and owned by AZ Holding. Calculations can also be customized accor-ding to individual Client needs. ME & SME Scoring and

Rating provide key value to our clients through a mix of public and freshly investigated information, enhan-ced by financial analysis as well. Furthermore, they help developing of business relationships with sustai-nable risk management. Providing credit or services and entering into business relationships without any reliable information on your future clients is a risk we recommend to our clients to avoid. Thanks to our pro-ducts the credit risk can be measured and mitigated.

SME Plus (partnership) is a service to evaluate the po-tential 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 re-lated to the partnership.

SME Plus (commercial company) is a service to eva-luate the possibility of credit recovery on the company and/or its primary shareholders and their personal as-sets. We are also able to provide information on nega-tive 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.

PRODUCTS TO MANAGE NPL SME PLUS

COLLECTIONNEW

SECURED NPLs

REAL ESTATENEW

AZ Holding has created two innovative services that will allow the maximum performance of secured por-tfolios! Two products able to add a further level of de-tail on debtors: in addition to economic and financial information, we provide our customers with an over-view of the real estate property of debtors with a mas-sive or specific focus according to the customer’s re-quired 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 properties.

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