In Greece, financial servicers have made significant progress in managing non-performing loans (NPLs), settling a total of about 4.09 billion euros in debts as reported in 2025. The three major servicing companies, Cepal, doValue, and Intrum, dominate the NPL landscape, comprising 90% of the total bad loans. Over the course of the year, the total portfolio managed by these servicers increased from 70 billion euros at the beginning of the year to nearly 80 billion euros by the end of the summer, indicating a growing trend of debt accumulation amid economic uncertainties.

Key figures from the performance report highlight notable months of settlement activity, particularly May and June, where significant progress was achieved. In May alone, servicers settled debts amounting to 490 million euros involving approximately 6,600 debtors. The subsequent month saw an increase to 514 million euros settled for around 6,500 debtors. These figures elucidate a robust effort by the servicers to reduce the NPL burden, although the overall situation reflects ongoing challenges within the national economy.

The increasing trend of NPLs and the fluctuating volumes of settlement draw attention to the financial health of borrowers and the effectiveness of debt management strategies implemented by these firms. Stakeholders, including policymakers and financial institutions, will need to monitor these dynamics closely, as they hold implications for economic stability and recovery efforts in Greece as it grapples with debt management and broader fiscal concerns.