Our strategy

Europe’s non-performing loan market is at an inflection point — not because bad debt is surging, but because its economics are shifting. Headline volumes are low, around 1.8% of EU lending, yet close to 9% of loans sit in IFRS 9 Stage 2 — still performing, but flagged for rising credit risk, and the pipeline for tomorrow’s defaults. In unsecured consumer lending, that strain is showing first.

For the banks holding them, CRR makes an overdue loan steadily more expensive to keep. A defaulted exposure already carries a punitive risk weight — up to 150% — and the prudential backstop then drives provisioning higher on a fixed timetable, toward full coverage, with any shortfall deducted from CET1. The longer it stays, the more capital it locks up. Selling releases that capital and fixes the loss at a known price today — making divestment a capital decision, not just an operational one. Arktika is built to be the counterparty that makes that decision easy.


As the market matures — and the specialized debt restructurer regime raises the bar — sellers want more than the highest bid in a single one-off. They want certainty of close, a price they can defend to their regulator, board, and shareholders, funding they can rely on for repeat and forward-flow business, and a counterparty whose conduct won’t rebound on their own brand or compliance regime. The market is consolidating around the few who can prove all of it.

That is the bar Arktika is built to clear. As a regulated credit institution on a banking platform, we combine a deep grasp of banks’ balance sheets and the applicable regulatory rules with data-driven valuation, solid funding, and responsible servicing — designing structures that help partners optimize their capital planning, not just offload a portfolio. With SDR status in our sights for 2027, we are built for where the market is heading, not only where it stands.


Our focus is deliberate. We concentrate on unsecured consumer credit across Europe, turning non-performing exposures into balance-sheet relief and released capital for banks, credit card issuers, and consumer finance lenders. We are not a secured-asset or corporate-workout specialist. We compete where it counts — sharp pricing, an unimpeachable regulatory standing, and excellence in execution.