Institutional Presentation

Buenos Aires, 2009

Distressed assets buyer

Guided by our VISION 

We want our clients, investors, partners and

collaborators to know us for our excellence in

Portfolio Management and the services we offer. We

work side by side with credit providers, investors and

recovery agents in the optimization of your credit

assets, with the objective of making your portfolios

as profitable as possible and improve the cash flow

of your operations.

SPEED AND FLEXIBILITY

Distressed assets buyer

EFFECTIVENESS

CREDITIA is an expert organization that offers tailor made,

fast and flexible solutions to credit companies. Our services

are focused on the optimization of your credit processes, the

improvement of your cash flow, reducing the cost of your

operation, as well as making your economic and human

resources more efficient.

 

We are an organization that is specialized in the

administration, purchase and sale of judicial credit portfolios.

We optimize the recovery process in order to create value,

distinguishing ourselves by our expertise in recovery

oriented judicial actions.

 

We create value for all parties by personalizing each

operation, tailoring transactions, with the necessary flexibility

to adjust to the needs of your business.

We are pioneers in this field and we are active participants

in Latin America.

Distressed assets buyer

CREDITIA offers services in consulting, research, optimization,

due diligence, negotiation, management, auditing in the buying or

selling process and/or credit portfolio management outsourcing.

 

Our origin and structure allow us to see to operations and business

of all sizes and amounts in a more efficient and profitable way.

 

We bring together the different players who participate in credit

processes enhancing their strengths, minimizing their weaknesses,

creating synergies and generating win-win situations for all

involved.

 

We choose LONG TERM partners that have proven to be

specialists in the acquisition of overdue portfolios, a strategic and

important consideration in the short term for financial institutions.

CUSTOMIZATION

Distressed assets buyer

Creditia is the ideal partner in acquisition of portfolios in the Argentine market …(1/2)

CREDITIA is a company strategically made up by partners with extensive experience in the local and Ibero-American Market.

Creditia partners are controlling partners in the following companies: GSA Collections: A collection call center that has been doing business since 1989 with an important portfolio of clients which include, CITIBANK, Consolidar ART, Standard Bank, Asociart S.A.ART, Itau Bank, Telmex – MetroRed, HSBC, Claro, New Bisel Bank, Movistar, BBVA Frances Bank, Nextel, Santander Rio Bank, Diners Club, Comafi Bank, Galicia Bank, Macro Bank, Providian Bank, Carta Sur, Garbarino, Carsa S.A., C&A Modas, Edelap S.A. and Favacard among others  CMS Credit Management Solutions: The leading company in Ibero-America that provides a space for the interaction of professionals in Credit and Collections. Today they operate in Argentina, Brazil, Chile, Columbia, Ecuador, the United States, Spain, Peru, Uruguay and Venezuela where five thousand professionals actively participate in their annual meetings. Dres Blousson Bureau: A firm founded in 1902 by Dr. Silvestre Hilarion Blousson. It is well recognized in the fields of Civil and Commercial Law in Buenos Aires, their main clients are Buenos Aires City Bank, Itau Bank, Santander Rio Bank, BBVA Frances Bank, and the Argentine Financial Company (AIG) among others.

To be Creditia`s partner , is an excellent opportunity, due to its high level of specialization and track record in Portfolio Purchases ….…Creditia Group is made up of Creditia S.A., Vicaria S.A. and Asset Solutions S.A., who have been making acquisitions since 2004, today tallying $300 million in purchased portfolios, 50 thousand credits, operating with a network of more than 150 law firms all over the country. The group is pre-qualified in the principal banking entities (Santander, BBVA, HSBC, Citibank, Itau, Macro) to acquire portfolios; given their economic backing, responsibility and knowledge in management.

Portfolios Acquired:

Distressed assets buyer

Creditia customizes every operation, structuring them so as to optimize the investment and security for the holders…...

CREDITIA tailor makes each operation maximizing value for the parties….

Each transaction utilizes a legal device that allows us to optimize the operation, giving security to holders and investors.

How can we put this into practice? An example of Possible Operations. One time operation: an operation is carried out for a determined portfolio. Forward Flow: The seller promises to sell his accounts portfolio that becomes over due for a pre-established period, generally with a minimum of six months. This guarantees the vender a constant flow of income for the term of the contract. Administrative Contract: Adjudication of a portfolio for a given time period with the objective recovery assured and with an option to buy if the fixed objectives are achieved. Tailor Made Operations: According to your needs, the characteristics of the portfolio and the search for added value in each transaction. 

TRUSTS – CONCEPTUAL CHART

TrustorTrustorTrusteeTrustee

ContractContract

AssetsAssets

ObjectiveObjective

TRUST

Partners in Structure :

•Deloitte&Touch

•Gestión Fiduciaria S.A.

•Cohen S.A.

Distressed assets buyer

5 Reasons to choose CREDITIA as your Partner

• Expertise and Track Record

•Flexibility

•Innovation

•Principles

•Fair Play

 

TRANSPARENCY

Distressed assets buyer

EFFECTIVENESS We develop services with positive results through greater efficiency in the cash flow of our clients.

Distressed assets buyer

TRANSPARENCY 

We provide clear, honest and trustworthy

solutions maintaining strict confidentiality in

all information that is administered during our

processes.

Distressed assets buyer

SPEED and FLEXIBILITY 

We move quickly based

on a structure that finds

solutions, free of red tape,

to optimize the credit and

collection processes.

Distressed assets buyer

CUSTOMIZATION 

We adjust our services to the needs of our

clients. At CREDITIA, neither small nor big

businesses exist, only mutual win – win

opportunities.

Contact details

THE END