Performance of recovery process – December 2016

Collection & Recovery


  • Estonia’s loan recoveries improved showing the strongest performance (75%) since Q3 of 2015.
  • This also outpaces the past year average of 64% ranging from Q4 of 2015 to Q3 of 2016.
  • Finland also experienced a dramatic increase in recoveries. The 90% is well above every quarter since Q1 of 2014. This represents an increase of 38 basis points over the past year average of 52%.
  • Spain and Slovakia each decreased compared to Q2 of 2016 with. The recoveries in those countries were 46% and 59% respectively.
  • The average recovery among all four countries is just over 2/3 of the value of the principal.


Estonia and Finland have both managed to sustain an uptrend for the previous five quarters. Since Q3 of 2015 both countries have made measurable improvements in recovery performance. Spain has also illustrated a similar trend until this latest data. We’re hopeful this is a momentary lapse. Slovakia has been less predictable, however the country has the highest past year average recovery figure which is encouraging. The data in the table below is as of 11.12.2016.

Quarter2014 Q12014 Q22014 Q32014 Q42015 Q12015 Q22015 Q32015 Q42016 Q12016 Q22016 Q3

You can find additional related information about the recovery process from these articles:


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