GUBER BANCA S.P.A.

Guber Banca S.p.A. is an Italian bank based in Brescia that evolved from a credit-servicing firm founded in 1984, obtaining a banking license in 2018 and shifting to its current structure. The bank’s core activity is the management of distressed credit—non-performing loans (NPL) and unlikely-to-pay (UTP)—for banks and investors, operating as master and special servicer in securitizations under Law 130/1999 and handling collateral recovery, including real-estate through ReoCo vehicles. Alongside servicing, it runs a focused banking operation oriented to funding via online deposits and to selected lending for small and medium-sized enterprises, with a predominantly digital distribution model and a limited physical footprint (head office in Brescia, offices in Milan). For retail savers it typically offers online demand and time deposits; product conditions, interest rates, early-withdrawal rules, and fees are set by contract and subject to change, and interest on deposits is generally subject in Italy to a 26% withholding tax plus the standard 0.20% annual stamp duty where applicable. As a licensed Italian bank it is supervised by the Bank of Italy within the EU prudential framework, and deposits are covered, within legal limits, by the Fondo Interbancario di Tutela dei Depositi (currently up to €100,000 per depositor per bank). The institution publishes regulatory disclosures and services portfolios for third parties via dedicated platforms; its exposure to distressed assets means performance is sensitive to macroeconomic conditions and real-estate market dynamics. Prospective clients should review the latest product information sheets, costs, and eligibility criteria, and note that customer service is primarily via digital channels due to the absence of a broad retail branch network.