CCR Magazine

CCRi banner ad
You are here  :Home arrow News arrow Gabriella Kindert, Head of Alternative Credit at NN IP, outlines her predictions
Contact Us Newsletter Signup RSS Feeds

Latest News Headlines


Commercial Credit News


Gabriella Kindert, Head of Alternative Credit at NN IP, outlines her predictions PDF Print E-mail
Thursday, 05 January 2017
“European banks will continue to shrink their balance sheets and will invest in new business models and partnerships in 2017,” according to Gabriella Kindert, Head of Alternative Credit at NN Investment Partners, outlining her predictions for the Alternative Lending landscape in 2017.  

“With the extension of the quantitative easing program, interest rate hikes are pushed well into the future, forcing banks to be more efficient with all of their key resources. Banks will need to explore alternative lending avenues and strengthen cooperation with institutional investors and Fintech companies, creating opportunities for investors or potential partners who offer balance sheet capacity or more efficient business execution.

She adds: “Next, I believe political support for developing alternative lending channels in Europe is set to grow. We see strong evidence that the conviction among key decision and policy makers in Europe is leaning towards increased lending via alternative sources. Over-reliance on banks made us too vulnerable and constrained our economic development and we need to increase resilience via diversifying funding sources towards the European economy.

“I also believe the search for yield remains a key theme in a low-return, volatile environment. Those who can deal with and accept the illiquid nature of the asset class will find a safe haven in private debt. These assets have limited liquidity and mark-to-market pricing; consequently, they 'look and feel' stable. Institutional investors are inherently more suited to participate in funding the economy because they capture a large percentage of long-term savings,” she added. “ However, while the infrastructure to facilitate this is currently predominantly with banks, the investments need to be channeled via capital markets and partnerships. The growth of partnerships has been painstakingly slow. There needs to be significant education and convincing done also at supervisory board level at these institutions.

“Finally, 2017 is likely to be an important year for Fintech with many business models being tested on their ability to scale and operate under increasing regulatory scrutiny. Payments and blockchain services are likely to cause the most disruption and we will see further diversification of deposits payments from retail clients. New partnerships as well as methods of connecting borrowers and lenders are born.”
3 October - Guoman Tower Hotel, Central London 

CCRInteractive, in association with Marston Holdings , is the largest and leading one-day conference from the publishers of CCRMagazine – a truly national and international event for the credit industry.

This landmark event allows delegates to: Learn best practice of how to increase profitable sales in today’s economy. Understand the key compliance issues and how they will impact upon you. Discuss the legislative and regulatory framework and how it will effect you. Consider the potential effects of Brexit on your business. Discover the latest innovations in the market to improve your collections. Motivate your staff to achieve ever improved results.

To book to attend in 2017, contact Stephen Kiely  or Alison Lucas. To find out more about being part of this landmark event, please contact Gary Lucas

 Forums International Ltd

Forums International Ltd

 Attendance at your first meeting is free of charge, and please quote reference 'CCR2016' to receive the special 10% discount off of your first annual subscription.

Find out more here.

latest issue

CCR Cover

The latest edition of CCR Magazine, the leading editorial publication in the UK credit industry, is out.

Read the latest issue online

The Credit Excellence Awards


Tuesday 3 October - Guoman Tower Hotel, Central London

Do not miss your chance to meet and network with the Winners and Finalists at the Credit Excellence Awards, in association with Hoist Finance.

To book your place to attend, please contact Alison Lucas.


CCR is the premier magazine for consumer and credit professionals. It provides an independent voice to the industry, breaking major news stories and running in-depth features.

As a magazine, it works with and campaigns on behalf of the credit industry to promote its importance as a centre of potential profit and business development to the wider business world.

Subscribe to CCR Magazine

CCR World Magazine


Providing information and analysis for thousands of senior credit professionals worldwide, every quarter.

Find out more

GTS Media Ltd
81 Cambridge Road

Registered in England No: 05483197