ABOUT US
At Cepal, we prioritise finding innovative and effective solutions that meet the needs of our debtors.
COMPANY
About us
Cepal was launched in 2016, when it became the first company to be licensed by the Bank of Greece for Loan and Credit Claims Management, in accordance with Law 4354/2015. In December 2020, our momentum was significantly strengthened with the addition of more than 800 new colleagues from Alpha Bank S.A., which contributed to our presence throughout the country.
Today, we are one of the largest independent loan and credit receivables managers in Southeastern Europe, managing significant portfolios.
At Cepal, we prioritise finding innovative and effective solutions that meet the needs of our debtors. We approach each case with respect, responsibility, and dedication, seeking the most effective solution for everyone. In an industry that supports the effort to consolidate the economy and assist citizens and businesses facing difficulties to achieve sustainable growth, our ambition is to make a substantial contribution to promoting stability and prosperity for all.
ABOUT US
Our Vision & Mission
To establish ourselves as the leading financial services provider in Greece, consistently applying ethical and sustainable financial practices, and offering solutions that meet the specific needs of each customer.
To contribute to the creation of a strong economy and an environment that promotes growth for individuals, businesses and society as a whole.
ABOUT US
Our values
We follow a strict code of ethics, based on the highest standards.
We emphasise transparency and confidentiality in all our operations, while consistently adhering to the legal and regulatory framework in all our interactions.
We take full responsibility for our actions and their results, operating responsibly in all our activities. Our goal is to contribute substantially to the consolidation of the Greek economy.
We build honest and stable relationships with everyone we collaborate with, treating our people, our clients and our partners with respect.
We focus on achieving our goals by continuously improving our processes through investments in technology and the search for new, innovative solutions.
ABOUT US
Our History
Establishment of Cepal Hellas under the name Aktua.
Licensing by the Bank of Greece under Law 4354/2015.
Completion of the carve-out and assumption of Alpha Bank’s NPE management, alongside the expansion of Cepal’s presence throughout Greece.
Conclusion of a strategic agreement with Resolute Asset Management Group for the creation of RCG.
Renewal of its operating licence by the Bank of Greece in accordance with Law 5072/2023, with Cepal being among the first servicers to comply with the requirements of the law.
ABOUT US
Sustainable development
For all of us at Cepal, sustainability is a compass, as sustainable practices are essential not only for creating long-term value for our stakeholders, but also for our overall development. In this context, we treat the environment and society responsibly, prioritising good governance and integrating ESG principles more broadly into every aspect of our operations.
With the aim of creating a positive impact through our business practices, we implement a sustainable development strategy that reflects our commitment to specific targets in alignment with the United Nations Sustainable Development Goals (SDGs).
Through these principles, we foster innovation, manage risk and create long-term value for our investors, employees, customers and the communities we interact with.
Based on this strategy,
we focus on three key pillars:
the environment
governance framework
OUR SERVICES
Banks, Investors, and Businesses
Cepal offers customised management solutions that meet the specific needs of banks, investors, individuals, and corporates. With a strong emphasis on the uniqueness of each customer, the company aims to improve the performance of their financial portfolios, while offering strategic guidance to effectively manage risk and seize new opportunities. In an ever-changing economic environment, Cepal’s solutions help enhance financial performance and the sustainability of their investments.
Driven by value creation for our partners and customers, our services focus on the following areas:
Loan restructurings, payment deferrals, bankruptcies, debt recovery, foreclosures, and out-of-court settlements.
Standard cash collections through a specialised call centre, settlements, and Debt Purchase Options.
REO asset management, property development and management, strategic planning and advisory, valuations, and underwriting.
Advisory for valuation and portfolio underwriting, with the option to integrate the management of underwritten assets.
ABOUT US
Our technological infrastructure
Through our advanced IT and data analysis systems, we offer tailored solutions to our debtors. We continuously invest in technology to upgrade our services and facilitate direct and seamless communication with them, while enhancing our company’s operational efficiency.
Our technological infrastructure is systematically upgraded to optimise processes and ensure greater efficiency and transparency at every level.
Adopting this philosophy, we are developing digital tools that allow immediate access to information and the personalisation of service, ensuring that the needs of our debtors are met in the most targeted way. In addition, we are integrating new technologies to enhance efficiency across all operations, and we are exploring innovative AI solutions to support our departments, facilitating data-driven strategic decisions.
In this context, the current period represents an important milestone for our digital transition. In particular, the company has already developed the e-Cepal digital platform, which facilitates the direct monitoring and management of our debtors’ obligations—and which is constantly being enriched with additional features. At the same time, we are introducing modern tools that simplify the process of integrating new employees into our team, offering them an upgraded work experience from their first contact with the company.
Finally, the innovative technological solutions we have introduced in the area of human resources evaluation and development enhance transparency and objectivity, contributing to the continuous improvement of our performance.
