How we manage and sell our loans

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We actively manage our debtors to ensure the interest payments on the loans are met and, where possible, the loan itself is repaid or cancelled.

In cases where we detect a problem with the interest payments, our meticulous yet flexible approach focuses on identifying ways in which we can work together with the debtor companies. On the one hand, this collaboration involves restructuring the loan, whilst for others it involves selling the collateral securing the debt. On the other hand, the latter involves Sales Growth Plans (PDVs), via which we manage the sale of property developments in order to allow debtors to meet their repayment obligations. 

If the company is unable or likely to be unable to repay the debt owed, we consider the options of deeds in-lieu and direct foreclosure. Both options turn the loans into more liquid assets: housing, land or logistics, industrial and retail assets.