” The performance of the UTPs starts first of all from due diligence to understand the problem. Of course it is a credit that has a time span of at least 4 or 5 years. It is important that the investor becomes a private equity and becomes a partner of the company and together they must determine the transaction. Furthermore, the social impact is very positive, through the involvement of several actors and short-term development can be achieved through significant revenues. Making the company fail and taking away the assets is not a winning recipe, while we must find together with the entrepreneur a way out for the development of the initiative ”. This was underlined by Oscar Pittini, president of Hera Holding, on the occasion of the conference of ‘Il Sole 24 Ore’ on semi-impaired UTP loans.