Building Bridges
in the World

We’re changing the way of providing loan & financial services for an efficient and sound financial system.

Our Company

AxFina Holding SA is a CEE/SEE focused asset & loan servicer. Our clients are European banks and global investment funds.

AxFina has 3 main business lines:

  • Asset & Loan Servicing
  • Business Process Outsourcing
  • Digital Banking & solutions

We bring state of the art servicing, rationalisation and digitalisation to our core markets, with efficiency, cost saving and expert support to our clients’ businesses. AxFina builds financial bridges.

Our History

October 2019

Foundation of Ax Financial Holding SA. (AxFina), headquartered in Vienna, Austria. A pan-European financial service provider, merging all previous acquisitions, markets and knowhow together under one roof.

November 2018

Establishment of SEE servicing platform with current regional hubs in Croatia and Slovenia.

July 2017

Acquisition of majority stake in Thea Artemis (Financial Solutions) SA Greece, servicing a secured Corporate, SME and Retail Loan Portfolio of EUR 1,3 bn.

December 2016

Acquisition of 100% of Lombard Leasing Group, a fully licensed operation for the Hungarian market.

Our Culture

AxFina is dedicated to “Building Bridges in the World”. Our culture plays an important role in the company’s approach towards our operations, recruitment, staff assessment and remuneration and is described in our four pillars below:

Pillar 1

Know Your Priorities

We understand that our customers and partners are our number one priority.

Pillar 2

Show Your Spirit

We are proud and privileged to have a “true” European team spirit.

Pillar 3

Embrace Change

We realize that change and innovation are the only constants in business.

Pillar 4

Never Give Up

We remain optimistic, honest, and never give up in the face of a challenge.

Our Management

Bernhard Engel

CEO of AxFina Group and responsible for AxFina Pan-European Business

Nikola Avramovic

COO of AxFina Group and responsible for AxFina Advisory Business

Johannes Wolfslehner

CTO of AxFina Group and responsible for AxFina Digital

Stefan Selden

CSO of AxFina Group and responsible for AxFina Servicing Business

Lovro Plejic

Country Manager and responsible for AxFina Croatia/SEE Business

Géza Mihályi

Country Manager and responsible for Hungary

Tassos Karkazis

Country Manager and responsible for Greece/Cyprus

Our Family

Our Responsibility

AxFina Holding SA. is a Pan-European Financial Services Group with the mission of “Building Bridges in the World“ and is working with other financial service providers to support an efficient and sound financial services system that is dedicated to creating and providing convenient and efficient loan servicing and financial services platform capacities (to include the excluded & underbanked).


Strategic rationale

AxFina to operationally manage both PL and NPL portfolios

  • Established AxFina teams in CEE / SEE markets
  • Integrated and lean IT set-up
  • Operating at low cost
  • Extensive expertise in Corporate/SME/Retail loan servicing
  • Swift and standardised onboarding of new portfolios
  • Remuneration either based on assets under management or collection
  • Financial institutions are balancing between loan origination and servicing of the loans
  • Loan & Asset servicing is a non-core activity for financial institutions, while it is core for AxFina
  • AxFina delivers high returns and helps save costs
  • Allows financial institutions to focus on core business and accelerate growth


Strategic rationale

AxFina supports rationalisation of operating model

  • Extensive advisory expertise in calibration of operating models and efficiency programs
  • AxFina outsourcing hub in Hungary:
  • Track record since 2015
  • 55 FTEs
  • Operating at ultra-low cost
  • Financial institutions are looking to decrease costs and refocus on core business (overheads and staff expenses)
  • Outsourcing service providers are increasingly seen as strategic partners for financial institutions
  • AxFina is a trusted partner for financial institutions to outsource cost-intensive processes
  • Access to AxFina specialised resources while shifting fixed costs to variable (pay-as-you-go)


Strategic rationale

Drive front to back digitalisation with Omnio / AxFina solutions

  • Fully cloud native Banking Platform-as-a-Service (PaaS) incl. end-to-end managed processes. Access to an ecosystem of partners enabling the offer of additional services to the customers
  • Cloud native Digital Debt Collection Platform-as-a-Service (PaaS) supporting orchestrated multichannel communication, payments integration, self service capabilities and CRM
  • Subscription fee and revenue sharing model
  • Low cost and fast to deploy
  • Platform models diversify revenue pools, add more services and partners, and create a new digital ecosystem. These models can achieve 2X operating profits
  • Ready-to-use platforms significantly reduce implementation time and offer a low-cost option
  • Improve customer experience and strengthen brand reputation
  • Relieve from high costs resulting from legacy IT


Strategic rationale

  • Loan portfolio due diligence, analysis and valuation
  • Due Diligence
  • Underwriting of loans and business planning
  • Deal structuring / arranging (including Securitisation) and execution
  • Support in portfolio sales processes
  • Real estate work-out and disposals (with strong links to local brokers)
  • RE advisory and appraisals
  • Value creation versus asset liquidation
  • Maximise proceeds from work-out
  • Improve pricing and due diligence
  • Ongoing client support as a “one-stop-shop”

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