INDEPENDENT ADVISORY • STRATEGY • FINANCE • TRANSFORMATION Confidential conversations welcome
WHO WE ARE

Independent thinking. Accountable execution.

Candide Financing is built for organizations facing decisions where financial, operational, technological, regulatory and reputational consequences intersect.

ABOUT US

About Candide Financing 2024-1 B.V. is a special purpose financial vehicle corporation (FVC) established under Dutch law as a private company with limited liability (besloten vennootschap met beperkte aansprakelijkheid). Incorporated in Amsterdam on September 26, 2024, the entity serves as a dedicated issuance vehicle within the broader global asset-backed securitization framework of the Lloyds Banking Group plc.


Core Purpose and Mandate:

The primary corporate activity of Candide Financing 2024-1 B.V. is the acquisition of residential mortgage receivables and the issuance of senior and subordinated asset-backed notes to institutional markets. The underlying securities are backed entirely by high-quality Dutch residential mortgage portfolios originated by Lloyds Bank GmbH (Amsterdam Branch).

Through this securitization structure, the company facilitates diversified, robust funding mechanisms for the parent group while offering institutional investors transparent access to European residential real estate asset performance.


Corporate Governance & Structure:

To guarantee operational transparency and maintain strict bankruptcy-remoteness from the originator, the entity operates under independent third-party management: Originator & Seller: Lloyds Bank GmbH, Amsterdam Branch.

Corporate Administrator: CSC Management (Netherlands) B.V., located at Basisweg 10, 1043 AP Amsterdam. Regulatory Status: Notes issued under this vehicle are reviewed and approved in accordance with standard EU Securitisation Regulations by the Dutch Authority for the Financial Markets (AFM).

OUR MODEL

A modern advisory firm for complex business realities.

We believe advisory work is most useful when it connects rigorous analysis with the practical realities of leadership. That means understanding not only what the numbers say, but what the organization can execute, what stakeholders will expect and what could change the answer.

Our multidisciplinary model brings together strategy, finance, economics, digital, risk, analytics, communications and sector expertise. Clients can access focused specialists while maintaining one integrated agenda.

We are particularly suited to consequential situations: growth choices, capital decisions, transformations, investigations, disputes, regulatory questions, performance challenges and periods of significant change.

OUR PRINCIPLES

Four standards shape the way we work.

01

Independent

We challenge assumptions and provide an objective perspective when decisions are under pressure.

02

Evidence-led

We make the evidence visible, explain assumptions clearly and distinguish facts from judgment.

03

Senior-led

Experienced professionals stay close to the work, stakeholders and decisions throughout the engagement.

04

Practical

Recommendations are designed to work in the real organization, with clear actions and measurable outcomes.

HOW WE CREATE VALUE

We make complexity easier to navigate.

01 / CLARITY

See the issue

Separate signal from noise and identify the decision that actually needs to be made.

02 / RIGOR

Test the evidence

Build analysis that is transparent, relevant and strong enough for scrutiny.

03 / ALIGNMENT

Bring people with you

Connect management, boards, investors, counsel and stakeholders around the implications.

04 / ACTION

Make progress

Translate the recommendation into priorities, ownership, timing and measurable next steps.