Track Record

Advisor for the valuation of the portfolio and assestment of the procedures and process implemented by the Bank to evaluate the  sale of a EUR 2.2 Bln  portfolio of  Unsecured NPLs

Arranger/Seller Advisor for a sale of a portfolio of Secured and Unsecured NPLs with a GBV of EUR 132 Mln originated by Centro Marca Banca

Portfolio valuation for the purchase of a portfolio EUR 684 Mln of  Unsecured NPLs originated by a Banca Popolare

Origination of a large Portfolio of Invoice financing from claims against the Italian Public Administration

Arranger/Seller Advisor for a sale of a portfolio of Secured and Unsecured NPLs with a GBV of EUR 124 Mln originated by Banca D’Alba

Portfolio valuation  for the purchase of a portfolio EUR 58 Mln of  Unsecured NPLs originated by a Banca di Credito Cooperativo

Advisory, valorization and support to manage the recovery process and to reduce the portfolio of non-performing loans and unlikely to pay receivables for a total GBV of Eur 550 Mln

Portfolio valuation for the purchase of a portfolio EUR 90 Mln of  Unsecured NPLs originated by a Banca Popolare

Advisory and support in the portfolio  selection, data remediation and transaction advisory for the GACS1 e GACS2  securitisation organised by Gruppo ICCREA Banca for a total of EUR 150Mln

Investor advisor for the purchase of tranches across the capital structure of FINO 1 for a  portfolio with  GBV of EUR 5.4 Bln of Secured and Unsecured NPLs originated by Unicredit.

Investor Advisor for the purchase of junior and mezzanine  tranches of FINO 2  of a portfolio with GBV of EUR 7.9 Bln of Secured and Unsecured NPLs originated by Unicredit.

Arranger/Seller Advisor for a sale of a portfolio of Secured and Unsecured NPLs with a GBV of EUR 44 Mln originated by Banca D’Alba.

Arranger/Seller for a sale of a portfolio of Secured and Unsecured NPLs with a GBV of EUR 16 Mln originated by Banca D’Alba.

Arranger for a sale of a portfolio of Secured and Unsecured NPLs with a GBV of EUR 11 Mln originated by BCC Cilento.

Arranger of the sale of a portfolio of loans classified Unlikely to Pay for a GBV of EUR 23 Mln originated by Credito Valtellinese.

Advisory, valorization and support to manage the recovery process and to reduce the  portfolio of non-performing loans and unlikely to pay receivables for a total GBV of Eur 550 Mln.

Advisory on the valuation and due diligence on the acquistion of the mezzanine and junior tranche of portfolio of Credito Valtellinese for a GBV of 1.4 bln.

Origination of tax receivables (VAT) from an Italian real estate company.

Arranger in the acquisition by an U.K. Hedge Fund of a portfolio of 259 Mln of consumer receivables from ENI.

Optimization activity and management of the NPL portfolio of secured and unsecured loans for 105 Mln Euros.

Portfolio origination and advisory of unsecured and secured loans for a GBV of 36 Mln Euros from a Banca di Credito Cooperativo.

Portfolio origination of unsecured and secured loans for a GBV of 8 Mln Euros from a Banca di Credito Cooperativo.

Project Management acquisition of cessione del quinto portfolio with a notional of EUR 1.4 Bln sold by IntesaSanPaolo.

Project Management acquisition of a consumer loan portfolio with a notional of EUR 1.6 Bln sold by IntesaSanPaolo.

Optimization activity and management of the NPL portfolio of secured and unsecured loans for 90 Mln Euros.

Origination of a large Portfolio of Tax Receivables (IVA, IRES, IRAP) from group of Real Estate
Company.

Portfolio origination of unsecured and secured loans for a GBV of 9 Mln Euros from a Banca di Credito Cooperativo.

Optimization activity and management of the NPL portfolio of secured and unsecured loans for 35Mln Euros.

Origination of Tax Receivables (IRES) from an Italian Shipping Company.

Multiseller – first Italian private bad bank – Advisory for the purchase of a NPL portfolio of secured and unsecured loans originated from 7
Italian Banks.

Optimization activity and management of the NPL portfolio of secured and unsecured loans for 45Mln Euros.

Advisory for the purchase of a 320 Mln Euros portfolio of secured and unsecured loans originated from a Group of Credito Cooperativo Banks.

Optimization activity and management of the NPL portfolio of 38 Mln Euros.

Advisory for the purchase of an NPL portfolio of 260Mln Euros of secured and unsecured loans originated from a Group of Credito Cooperativo Banks.

Portfolio origination of unsecured and secured loans for a GBV of 12 Mln Euros from a Banca di Credito Cooperativo.

Advisory for the evaluation of an NPL portfolio and participation to an auction originated from Unicredit for a GBV of 380 Mln Euros.

Restructuring of a NPL Portfolio for 135 Mln Euros of secured and unsecured loans.

Advisory for the evaluation of a NPL portfolio and participation to an auction (Trevi3) originated from Unicredit for a GBV of 1.6 Bn Euros.

Co-management track record

ARAM is implementing a co-management activity with the following BCC:

This material has been prepared by the ARAM Capital Ltd (“ARAM”) for information purposes only. The information contained herein is confidential and is intended for use only by the intended recipient (each a “Recipient”). The material remains the property of ARAM and must be returned on request and any copies thereof destroyed.
It should not be reproduced or disclosed to any other person, without the consent of ARAM.
By reviewing this material each Recipient represents that it is a person into whose possession the material can be lawfully delivered in accordance with the laws of the jurisdiction in which the Recipient is located.
This material should not be construed as an offer or solicitation to buy or sell of Securities or any other securities, or any interest in any securities, and nothing herein should be construed as a recommendation or advice to invest in any Securities.
ARAM acts neither as an adviser to, nor owes any fiduciary duty to any Recipient. This material does not purport to identify all of the risks associated with the Transaction(s). Neither ARAM nor any of its affiliates, agents or representatives makes any representation regarding the provision of advice to any Recipient concerning the appropriate legal treatment, regulatory treatment, accounting treatment or possible tax consequences of an investment. Each Recipient of the material should make its own independent evaluation of the Transaction(s) and the risks thereof, and of the relevance and adequacy of the information in the material and should make other investigations as it deems necessary, and consult its own legal, tax, and other advisers, in order to determine whether to participate in the Transaction(s).
The material is presented on the express understanding that although the information herein is believed to be reliable, it has not been independently verified ARAM.
ARAM makes no representation or warranty (express or implied) of any nature, nor does it accept any responsibility or liability of any kind, with respect to the accuracy or completeness of any of the information or opinions in the material. However this shall not restrict, exclude, or limit any duty or liability to any person under any applicable laws or regulations of any jurisdiction which may not lawfully be disclaimed.
This material contains certain tables and other statistical analyses (the “Statistical Information”) which have been prepared in reliance on information provided by third parties. Numerous assumptions have been used in preparing the Statistical Information, which may or may not be reflected in the material. As such, no assurance can be given as to the Statistical Information’s accuracy, appropriateness or completeness in any particular context, or as to whether the Statistical Information and/or the assumptions upon which they are based reflect present market conditions or future market performance. The Statistical Information should not be construed as either projections or predictions or as legal, tax, financial or accounting advice.
Any views or opinions expressed herein (including statements or forecasts) constitute the judgement of ARAM as of the date indicated. Recipients of the material should not rely on any representation or undertaking inconsistent with the above paragraphs.

ARAM CAPITAL LIMITED – GDPR COMPLIANCE STATEMENT
Who we are
We are: Aram Capital Limited. Companies House No.0826 5469. Registered Office – 1 Penywern Road, London, SW5 9TT
What we do
We assist investors derive the benefits of accessing/owning Non-Performing Loans (‘NPLs’). NPLs originate with banks. We operate as advisors and gain access to/details of NPLs from banks – and investors. We facilitate investors to access these NPLs. We also evaluate/value these NPLs for both banks and investors
What information do we gain access to?
The banks or investors will pass us information relating to NPLs in order for us to perform our task. This comprises customers’ basic details (categories available on request), and sufficient only for the purposes of executing our task, with no superfluous details included
In what capacity are we handling this data?
Under the GDPR – we are a Data Processor. This reflects our advisory/non- owner status in the business model. In this scenario – the bank or the investor is the Data Controller, as they are the ones who first receive the customers’personal data in the normal course of their business. The banks or the investors pass us the customers’ details in our specific capacity as a Data Processor. We process (use) this data under the aegis of the Controller-Processor relationship – which is defined contractually between ourselves and the banks or the investors we work with
What do we need the data for?
We need the data in order to identify and keep a track of the NPLs in question, and to reference them when communicating about them with either the banks or investors
Whom do we share the data with?
We only share this data either back with the bank from whom it originated, or the investors in the equation. The investors are in turn bound by our Terms of Business to have due regard to GDPR rules, when accessing and handling this data. The only purpose of sharing the data with the investor is for identification purposes
Rights maintained by proxy
Although we are a data Processor – we will always fully comply with any requests the Data Controller may make of us, in the course of their complying with their obligations as a Data Controller. Further – we will never take an action, nor fail to take an action, which runs against the protections afforded individuals under the GDPR