An NPL network, or Non-Performing Loan network, refers to a system that connects financial institutions, investors, and service providers involved in managing and trading non-performing loans. These loans are typically in default or close to default, meaning borrowers are unable to meet their repayment obligations. The network facilitates the exchange of information and resources to help institutions recover value from these distressed assets. Through the NPL network, stakeholders can collaborate on strategies for loan restructuring, asset management, and recovery processes. This collaboration can lead to better outcomes for both lenders and borrowers, ultimately contributing to the stability of the financial system and reducing the impact of bad debts on the economy.