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Mlada žena na svom mobilnom telefonu pored člana EOS tima sa slušalicama, dok se dvije žene razgovaraju.
Innovation & Trends Corporate Responsibility

Plain language: Improving communication with consumers
Feb 27, 2025
3 min.
Plain language helps companies and consumers alike. In this interview, an expert in the field explains why that is so and why it is especially important in the debt collection segment.
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Poštena naplata duga: sredovečni muški dužnik u sakou maslinaste boje zabrinuto gleda kroz prozor.
Receivables Management Corporate Responsibility

Fair debt collection: The person behind the debt.
Feb 17, 2025
4 min.
The central question in responsible debt collection is: How do we handle defaulting consumers? As EOS demonstrates, there is more than one good answer to this question.
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Marwin Ramcke, izvršni direktor, stoji u svijetloj prostoriji u plavom odijelu i s desnom rukom u džepu hlača.
Financial Investor Corporate Responsibility

Interview: EOS Board on the 2023/24 financial year
Aug 7, 2024
7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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Kollecto+ je digitalni sistem naplate potraživanja kompanije EOS.
Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+
Apr 30, 2024
3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
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Headshot of Stephan Ohlmeyer, member of the EOS Board, and Jan Ottenbreit, Head of Division Central Europe.
Debt Purchase Unsecured receivables

New EOS region Central Europe: “We’re creating openness to new goals”
Mar 28, 2024
3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
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Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt
Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.
Feb 16, 2024
4 min.
Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.
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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.
Jul 26, 2023
2 min.
The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.
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A group photo shows the EOS Board of Directors (from left to right): Andreas Kropp (Germany), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Eastern Europe) and Dr. Andreas Witzig (Western Europe).

2022/23 fiscal year: The Board of the EOS Group takes stock.
Jul 26, 2023
4 min.
In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.
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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.
Jul 26, 2023
2 min.
Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.
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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.
Jul 26, 2023
3 min.
Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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Na slici se vidi Cristian Musat, generalni direktor EOS International BVG i 'mozak' projekta Kollecto+.

Debt collection software: More efficiency thanks to standardized system.
Jul 26, 2023
2 min.
In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.
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A graphic shows several people communicating with each other through email, conversations, and letters.
Corporate Responsibility

How EOS makes debt collection responsible and fair.
Jul 26, 2023
3 min.
EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.
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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.
Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.
Jul 26, 2023
4 min.
A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.
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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.
Jul 24, 2023
3 min.
Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.
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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.
Jul 17, 2023
3 min.
EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.
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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.
Nov 16, 2022
3 min.
Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.
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Representatives of the industry consult on the future of debt collection.

For fair debt collection: EOS engaging in associations
Oct 24, 2022
4 min.
EOS has joined forces with other debt collection service providers to form associations. Their aim: to provide a standardized framework of action for the industry that treats everyone involved fairly.
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During an official ceremony on September 20, 2022, representatives of IFC and EOS formalized their collaboration on the purchase of NPLs and distressed real estate in Eastern Europe. Marwin Ramcke, Vittorio Di Bello, Carsten Tidow, Ariane Di Iorio

EOS and IFC join forces to purchase non-performing loans and distressed real estate.
Sep 20, 2022
3 min.
Sustainable financial sector: EOS and IFC are buying up non-performing loans and distressed real estate so that financial institutions in Bosnia and Herzegovina, Croatia, Serbia and Romania can improve their liquidity faster.
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Financial literacy means responsibility: A girl sits at a laptop and takes part in online learning.

How EOS is committed to a debt-free world.
Aug 8, 2022
5 min.
In order to curb excessive personal debt, EOS is taking responsibility and is committed to improving financial literacy in society.
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EOS in the UN Global Compact: At EOS, Sibylle Weingart is responsible for issues of corporate responsibility.

EOS in the UN Global Compact: Taking CR to the next level.
Jul 20, 2022
6 min.
Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?
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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.
Jul 20, 2022
3 min.
Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.
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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”
Jul 20, 2022
6 min.
EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.
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To je nova marka kompanije EOS: Marwin Ramcke predstavlja sebe i novi logo firme EOS.
Innovation & Trends

The new EOS brand: Pioneering and more dynamic and digital.  
Mar 1, 2022
3 min.
In this interview, CEO Marwin Ramcke talks about the mindset behind the brand and what it means for the company’s business partners.
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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Interview with new EOS CEO Ramcke: “We are going to set new benchmarks.”
Feb 1, 2022
4 min.
Marwin Ramcke leads the EOS Group as new CEO. In this interview he reveals his plans for the future and discusses the challenges he sees managers facing today.
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Diversity at EOS: Tijen Onaran, diversity expert

Diversity drives success: “not (just) a women’s issue”
Jul 9, 2021
5 min.
Diverse teams are more successful, says diversity expert Tijen Onaran. In this interview she reveals how companies can create diversity and equal opportunities in the workplace.
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Real estate secured NPLs: in Bosnia the NPL market offers great potential.

Real estate secured receivables business is booming.
Jun 24, 2021
5 min.
The secured debt portfolio business is growing, especially at the EOS national subsidiaries in France and in Bosnia and Herzegovina. An important advantage they have is the Group’s good name.
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nurse, student, patient, teacher, classroom

Customer centricity and the requirements for receivables management
Jun 9, 2021
5 min.
Customer centricity is more important than ever for digital services. Read here how and which touchpoints you should keep in mind.
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basketball

Digital transformation: How EOS challenges itself anew, day after day.
Mar 26, 2021
3 min.
When the financial sector talks about digital transformation nowadays, it is describing a process that EOS has been going through for years now.
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Data protection in the debt collection context: Stephan Bovermann, Senior Group Privacy Officer at EOS

Data protection in debt collection: How our data privacy officers work
Jan 27, 2021
4 min.
Data protection is not nearly as boring as it is made out to be, at least according to Senior Privacy Officer Stephan Bovermann. In this article he explains how EOS deals with sensitive data.
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Receivables purchasing: Matthias Schmidt, Head of Operational Debt Purchase at EOS Group, sits in front of a wall covered in post-its and other notes.

How portfolio valuation works in receivables purchasing
Jan 12, 2021
4 min.
When selling receivables the aim is to get a purchase price that is as fair as possible. To guarantee this to the seller, a purchaser like EOS first of all has to get to know the portfolio. Before submitting an offer, the portfolio is thoroughly scrutinized.
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Two men throw a plastic globe to one another

EOS rolls out new debt collection software Kollecto+
Dec 16, 2020
4 min.
Kollecto+ is the centralized debt collection platform of the EOS Group. After years in development, the rollout has been completed by EOS in Croatia, the first of many countries to introduce the software. A progress report.
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Andreas Behmenburg, Regional Sales Manager for EOS in Germany, helps in cases of identity fraud with his colleagues alleged fraud victims.

Ensuring liquidity despite coronavirus: Why outsourcing debt collection is worthwhile at this point in time
Dec 8, 2020
2 min.
According to Andreas Behmenburg, now is the time to arrange for professional receivables management. In this interview he explains how companies can find a reputable debt collection partner.
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International debt collection: Debt collection expert Raymond Pappot walks through Almere in the Netherlands.

International debt collection: How the EOS Cross-border Center works.
Nov 23, 2020
5 min.
Through the establishment of its Cross-border Center 10 years ago, EOS found a way of recovering money across national borders. Since then, a strong global network of partners has been created.
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Businessman looking away: Consumers do not have a lot of digital trust

EOS survey reveals that consumers have no digital trust
Oct 6, 2020
4 min.
Do you have digital trust? A recent EOS survey shows that only a minority of consumers believe that companies handle their personal data in a trustworthy way.
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Smartphone user in city: Data has become a key economic asset.

What’s the value of data? EOS survey finds Germans open to disclosing data.
Oct 6, 2020
4 min.
Personal information for money? An EOS survey shows that more than a third of Germans are prepared to sell their data for the right kind of compensation.
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Annual Report 2019/20: Klaus Engberding, CEO of the EOS Group, in an interview

Klaus Engberding interview: “Our strategy is working.”
Jul 15, 2020
5 min.
The KPIs from the 2019/20 Annual Report show that EOS is performing very strongly. But what’s behind this success? In this interview, EOS CEO Klaus Engberding gives us a look behind the scenes.
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Annual Report 2019/20: Marwin Ramcke, Member of the EOS Group’s Board of Directors with responsibilty for Eastern Europe

EOS 2019/20 financial year: Record result in Eastern Europe
Jul 15, 2020
3 min.
With revenue up by over 30 percent, Eastern Europe is celebrating record gains. In several countries, EOS is gaining ground with substantial investments in secured and unsecured receivables.
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Artificial intelligence: IPsoft’s smart virtual assistant Amelia

Artificial intelligence: Why machines won’t make us unemployed.
Sep 23, 2019
Artificial intelligence (AI) will not do away with a lot of jobs but make them more interesting by taking over routine tasks. The key to success: clean databases.
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Cultural change at EOS: The cultural analysis provides guidance to all countries.

EOS Fiscal Year 2018/19: New approaches for a complex world.
Jul 16, 2019
In an increasingly more complex world, companies also have to meet more exacting demands – whether they relate to international collaboration, data analysis and IT or feedback and leadership. Here are examples of three approaches from the EOS universe.
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Rekordni rezultat u Istočnoj Evropi: Marwin Ramcke, član uprave grupe EOS zadužen za regiju

Record revenues: EOS reached new highs in Eastern Europe.

Jul 16, 2019
Records in sales and investments: Marwin Ramcke, Managing Director of the EOS Group, on the successful 2018/19 financial year in Eastern Europe.
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We talked with seven female Managing directors of EOS: Natalija Zupan (Managing Director EOS KSI Slovenia), Andrea Stelzer-See (Managing Director EOS Serviceline), Katerina Bosevska (Managing Director EOS Macedonia), Jelena Jović Milentijević (Managing Director EOS Matrix Serbia), Nicole Sichmann (Managing Director EOS Immobilienworkout), Mirjana Vuković, (Managing Director EOS Matrix Bosnia and Herzegovina) and Rayna Mitkova-Todorova (Managing Director EOS in Bulgaria). All seven answer to the question: What does equality means to you?

Women’s Day: What equality means to the leading women at EOS.
Mar 8, 2019
What our leading women think about equal opportunities for men and women.
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basket, envelope, packet, cotton, brick

This is how you collect debt abroad.
Jan 23, 2019
3 min.
EOS has partners in more than 180 countries who know all the legal and cultural intricacies of the debt collection business
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Annual and Sustainability Report 2023/24

Very good results in challenging times: In its 50th anniversary year, the EOS Group looks back on a demanding and successful financial year 2023/24. All key figures, business highlights and exciting throwbacks to 50 years of EOS as well as achievements and highlights of the EOS Group's commitment to its social, societal and environmental responsibility can be found in this year's annual and sustainability report.
Read the whole report
2023/24

Kontakt za EOS u Bosni i Hercegovini

coat, coating, jacket

Marko Šiniković

Head of Marketing and Communications Department


EOS MATRIX Bosnia and Herzegovina

Trg solidarnosti 2A

71000 Sarajevo

Bosnia and Herzegovina


Phone: + 387 33 569 259

Mobile: + 387 63 006 055

m.sinikovic@eos-bih.com