HETA ASSET RESOLUTION BIH - the first asset resolution company in Bosnia and Herzegovina

Our portfolio of real estate, movables, and receivables is the single largest in the BiH market. We are part of the international network of HETA ASSET RESOLUTION AG Group, which is one of the largest asset resolution organizations in the region of Southeastern Europe. In addition to Bosnia and Herzegovina, there are entities in Austria, Slovenia, Croatia, Serbia, Montenegro, Bulgaria, Germany, and Hungary. The Republic of Austria is the full owner of the group.

Well diversified portfolios of residential, commercial, and industrial buildings, personal and heavy vehicles, business equipment, and industrial machinery are dispersed across the country. This places HETA at the forefront of new investments into Bosnia and Herzegovina and the first address for both national and international investors.

Our team of highly qualified experts with years of experience in the regional market of real estate and movables is focused on providing efficient and professional services. We continuously invest in our human resources in order to provide the clients with the best services and to maintain our leading position in the BiH market. 

HETA ASSET RESOLUTION BIH is the first address for national and international investors who are interested in purchasing all kinds of real estate, movables, or receivables, including both individual objects and portfolios.

Real Estate

Residential, commercial, and industrial buildings are an important component of our real estate portfolio, which is the single largest in Bosnia and Herzegovina. Our offerings, among others, include undeveloped land, houses, condominiums and townhomes, office buildings, warehouses and retail store buildings, factories, and farms.

Receivables

HETA BiH is managing a representable portfolio of receivables, too. For a wise investor, buying a receivable at a correct price and exploiting the business potential offered by the collateral behind could be that unique choice that differentiate a high profitable investment from a regular one.

Movables

Our diverse portfolio of movables include different personal, commercial, and industrial movables, such as personal and heavy vehicles, business equipment, and the industrial machinery.

 

Management Board

The Management Board of HETA administers overall business activities and manages the company in line with the relevant legal regulations, authorizations, and responsibilities as established by the Articles of Association of HETA, the Rulebook on Work of the Management Board, and the valid general acts of HETA. The Management Board consists of the manager and two executive managers, whose authorities, responsibilities and competences are defined in the Rulebook on Organization, and other acts of HETA. In regard to its activities and competences, the Management Board answers to the Supervisory Board.

Segment of Real Estate Management

The task of our Real Estate Management colleagues is to ensure that the individual HETA real estate portfolios are "fit for sale". These members of our team are also responsible for the management of the sales process of residential, commercial, and industrial real estate, including market analysis and coordination of the sales’ due diligence. By ensuring the appropriate asset and facility management to preserve the value while generating income, our colleagues manage lease contracts and provide support to users and investors in asset quality management.

Segment of Collection, Repossession and Remarketing

The responsibility for the overall management and sales of the movable property portfolio rests with our colleagues from collection, repossession, and remarketing. They are also in charge of the sale of claims to investors and to specialized agencies, either as individual receivables or as portfolios. Our colleagues maintain contact with clients for collection or voluntary return. Our clients can rely on our firm commitment to developing a repayment model suitable to their financial abilities. In order to avoid lengthy and costly court procedures, we also offer the possibility for out-of-court settlements. In cases requiring court proceedings, our legal advisors are there to ensure that HETA's business interests are protected.

Segment of Case Management

Management and workout, as well as the sale of non-performing loans and portfolios, are the focus of this segment of HETA workforce. By devising high-quality strategies and tailor-made operational activities, our colleagues extend support to both investors and clients in handling cases of restructuring and forced collection. They analyze the respective company’s situation, including legal status and collateral and collateral quality, and play a decisive role in the development of restructuring and workout strategies. They also provide risk provisions management and forecasting. Moreover, our colleagues gather, keep records of, control, and provide confirmation of documentation related to business relations with clients, as well as manage and coordinate the overall document verification process.

Segment of Support for Clients

Our support team provides information to clients about their contractual obligations and performs all activities related to closing contracts. They provide information to clients regarding the status of their debt. This segment prepares documentation for the return of surplus of paid funds (as a result of prepayments, payment of damage, etc.). They provide information to clients and gather documentation in the event of a partial or early repurchase. This segment also prepares ratings and proposals for changes to the conditions of financing.

Segment of Legal Affairs and Compliance

Our staff in this segment monitor and control the compliance of HETA’s business operations with the relevant local legal requirements. They undertake activities aimed at preventing legal risks for the company. Furthermore, they coordinate activities for the establishment, functioning, monitoring and development of systems of detection designed to prevent money laundering and the financing of terrorism. They also coordinate HETA’s activities in line with relevant legislation. This segment monitors legal, group, and technical regulations from the domain of physical and technical protection of employees and equipment, fire protection, and protection at work. It manages, implements, and monitors IT security processes in order to prevent risk and eliminate all forms of misuse and the unauthorized use of information.

Segment of Internal Audit

Our staff in this area perform internal audit procedures in accordance with the highest professional and moral standards, and in line with the standards of the Institute of Internal Auditors (IIA) Global, Code of Professional Ethics (honesty, objectivity, confidentiality and competence), and Group Standards. Their tasks include planning audits, carrying out audits, reporting, improvement of internal audit practices, and ongoing development and education

Segment of Corporate Communications

This segment develops an integrated corporate communications strategy that incorporates both PR and Marketing. It develops and maintains the company’s corporate image and identity, which includes the use of logos and signage. Our staff in this segment implements communication plans in order to increase brand awareness and maintain HETA’s reputation.

Segment of Human Resource Management

Our staff provide support to the Management Board in all issues pertaining to human resource management, including transformation, reorganization, and changes to the management. The segment conducts all activities related to the drafting of contracts and related annexes for HETA’s employees, as well as the registration of our employees with the competent agencies. They conduct planning and management of the costs of education and personal development of employees, as well as monitor the application of acquired knowledge.

 

 

Vision

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At HETA, our vision as an important part of one of the largest Asset Resolution organizations in the region of Southeastern Europe is to be recognized as a game-changing innovator and an emerging leader in the Asset Resolution Area, with growing brand awareness and recognition in Bosnia and Herzegovina.

Mission

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At HETA, our mission is to be a team that is capable of generating innovative business solutions, and which delivers optimum financial results within clearly defined business principles. We seek to consolidate our position as a leader in the Asset Resolution Area in Bosnia and Herzegovina, and to be an organization that is cooperating in the sustainable development of our economy.

We seek to achieve this through a dynamic performance culture that motivates our staff by setting clear objectives, giving feedback openly, learning from our mistakes, and rewarding success.

Values

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At HETA, five core values guide our actions as individuals at work and as an organization: INTEGRITY, ACCOUNTABILITY, PASSION, EFFICIENCY, and a focus on RESULTS.

These are the basic building blocks of our organization’s culture and represent our company’s collective conscience. While our strategy changes over time based on business conditions, our values are enduring.

INTEGRITY - We act with honesty and honor without compromising the truth

ACCOUNTABILITY - We are all accountable for our actions and results

PASSION - We are passionate about our business, our brand, and our partners

EFFICIENCY - We are committed to continuously improving efficiency

RESULTS - We love success and achieving the best results

Commitment to Quality

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At HETA ASSET RESOLUTION BIH we believe that there is no compromise over quality and its management. Quality is of crucial importance in striving to achieve business excellence and ensuring a strong basis for positioning HETA’s unique and innovative business in services, asset resolution as well as the investment market.

Furthermore, it is also relevant in ensuring that our work and the services we provide to investors and our clients can stand the test of time. We have therefore developed a Quality Management System (QMS) to ensure that managers and process owners continually improve the effectiveness and efficiency of business operations, service quality and clients' satisfaction with the provision of service.

HETA's achievements in Quality Management has been recognised by the BID Group One, which awarded HETA with the International Star for Quality in the Gold category in September 2015. The award criteria are based on the concept of the QC100 Total Quality Management Model.

In addition, HETA´s Quality Management System has been certified with the new ISO 9001:2015 Standard in December 2015.

The Quality Management Team of HETA is determined to ensure compliance with the principles entrusted by the new ISO Standard.

PETRU BINDILA

CEO/Chairman of the Management Board

 

With nearly 20 years of professional experience in the financial institutions, Bindila has in particular been focused on the field of restructuring and collection management.

Bindila assumed the position of CEO of HETA ASSET RESOLUTION BiH in May 2016 from the position of Director of Restructuring and Collection of Volksbank Romania.

He holds a University Degree in Economics, Finance and Banking and a Masters in Business Administration (MBA).

 


ZERIN HODO 

Executive Director/COO/Member of the Management Board

 

Zerin assumed the position of HETA BiH COO in May 2015, from the position of Manager at Deloitte Business Advisory Services in Adria Region (Bosnia, Croatia and Slovenia).

Zerin has significant experience in audit, risk management and advisory services in financial industry in Adria region.

He holds a University Degree in Information Systems and Economics from University of Buckingham, UK. He is in process of ACCA certification. 

HETA's employees are its strongest assets. Our personnel are highly skilled and specialized for our business area. They are strongly dedicated to achieving our operational and strategic goals. Due to their enthusiasm, professional excellence, experience, commitment, and loyalty to the company, we are where we are today - the market leader in Bosnia and Herzegovina.

At HETA, we are developing individuals dedicated to excellence and delivering results. Our team members are focused on providing our clients with the best possible service through integrity, accountability, passion, efficiency, and a clear focus on results.

Would you like to work in a progressive and innovative corporate culture? Consider working with us! We can offer you the conditions to develop to your full potential, leading to your own professional satisfaction and the satisfaction of our clients. Let's grow together!

 

For more info, please contact:
telephone number: +387 (0) 33 706 010
E-mail: hrm@heta-asset-resolution.ba

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The information contained herein is without obligation and has been obtained through sources deemed reliable, but HETA ASSET RESOLUTION BIH cannot warrant the complete accuracy thereof subject to errors, change of conditions or other, prior sale, lease or withdrawal without notice.