Pia A Industriei de Leasing Financiar În România: Financial Leasing Market in Romania

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA
1
Asociatia Societatilor Financiare - ALB Romania
The Financial Companies Association ALB Romania
Piaa industriei de leasing financiar n Romnia
Financial Leasing Market in Romania
Antoaneta Curteanu
Presedinte, ALB Romania
2
Evolutia Pietei de Leasing Financiar
Financial Leasing Market Evolution
265,504
647,272
90,085
1,002,860 780,209
3,449,446
4,170,365
1,078,625
175,535
209,950
875,747
805,574
497,368
2,375,351
2,991,942
685,630
107,305
183,044
302,675
268,521
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
September
YtD 2007
September
YtD 2008
September
YtD 2009
September
YtD 2010
September
YtD 2011
(
o
o
o

e
u
r
o
)
+28.5%
-27%
+51%
+30%
-16%
-16.4%
-27%
-41%
September 2007 September 2008
September 2009
Total finantari
Total Financing
Finantari Vehicule
Vehicle Financing
Finantari Echipamente
Equipment Financing
Finantari Imobiliare
Real-Estate Financing
Tendinte de crestere / Slight Recovery
3
Ponderea segementelor in total finantari / Break-down of weight per good segment
26%
65%
9%
22%
23%
20%
14%
21%
19%
64%
64%
72% 69%
76%
83%
14%
3%
4%
8%
7%
17%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
2005 2006 2007 2008 2009 2010 2011
(
0
0
0

e
u
r
o
)
Crestere a finantarilor echipamentelor / Growth in equipment financing
Finantari Vehicule/
Vehicle Financing
Finantari Echipamente/
Equipment Financing
Finantari Imobiliare/
Real-Estate Financing
September 2005-September 2011
4
Piata de leasing financiar dupa categoria utilizatorului
Financial Leasing Market Structure by Customer Type
91%
8%
1%
92%
6%
2%
96.5%
3.2%
0.4%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
September YtD 2009 September YtD 2010 September YtD 2011
Companies/Companii
Individuals, freelancers, associations./Pers. fizice, liberi profesionisti, asociatii
Public/Public
Companii / Companies
Persoane fizice, liber profesionisti, asociati / Individuals, freelancers, associations
Sector de stat / Public sector
September 2009
September 2010
September 2011
3.1%
Utilizatorul principal al produsului leasing Companiile
The most important Lessee is represented by Companies
5
91%
9%
94%
6%
83%
17%
78%
22%
84.1%
15.9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
September YtD 2007 September YtD 2008 September YtD 2009 September YtD 2010 September YtD 2011
Brand New/ Noi Used / Second Hand
Piata de leasing financiar dupa tipul achizitiei /Finacial Leasing Market
Structure by Acquisition Type
September 2007 September 2008 September 2009 September 2010 September 2011
Noi / New Second Hand
Contributie importanta a bunurilor second hand
Important contribution of second hand goods
6
61%
26%
13%
63%
23%
14%
62.6%
20.9%
16.5%
0%
10%
20%
30%
40%
50%
60%
70%
BANK`S SUBSIDIARES/ Subsidiare banci CAPTIVE/ Captive
INDEPENDENT/ Independente
Piata de leasing financiar dupa categoria societatilor de leasing /
Financial Leasing Market Structure by Type of Lessor
Subsidiarele bancilor domina piata de leasing
Banks Subsidiares leads the leasing market
September 2011
Subsidiare banci / Banks Subsidiares
Captive grupurilor auto/ Captive to auto groups
Independente / Independente
7
3%
6%
5%
5%
10%
9%
18%
21%
20%
23%
22%
19%
25%
22%
24%
26%
21%
23%
0%
5%
10%
15%
20%
25%
30%
1 Year/
1 An
1 - 2 Years/
1-2 Ani
2 - 3 Years/
2-3 Ani
3 - 4 Years/
3-4 Ani
4 - 5 Years/
4-5 Ani
> 5 Years/
>5 Ani
Piata de Leasing Financiar dupa durata contractului
Financial Leasing Market Structure By Duration of Contract
Preponderent intervalul 3-5 ani
Dominant leasing tenor 3 up to 5 years
September 2009 September 2010 September 2011
1 an/
1 year
1-2 ani/
1-2 years
2-3 ani/
2-3 years
3-4 ani/
3-4 years
4-5 ani/
4-5 years
>5 ani/
>5 years
8
Finantarea vehiculelor in leasing
Vehicle Leasing Market
Finantarea autoturismelor reprezinta mai mult de jumatate din piata vehiculelor
Passengers cars financing represents more than half of the vehicle market
60%
58%
54%
15%
16%
14%
23%
25%
30%
2%
1%
2%
0%
10%
20%
30%
40%
50%
60%
70%
PAS S ENGERS C ARS /
Au t o t u ri s m e
LIGHT C O MMERC IALS /
Ve h i cu l e C o m e rci a l e
Us o a re
HEAVY C O MMERC IALS /
Ve h i cu l e C o m e rci a l e
Gre l e
O THERS /Al t e ve h i cu l e
Se pte mbe r YtD 2009 Se pte mbe r YtD 2010 Se pte mbe r YtD 2011 September 2009 September 2010 September 2011
9
Finantarea Vehiculelor dupa durata contractului/
Vehicle Financing By Duration of the Contract
Cea mai mare concentrare in zona contractelor semnate pe o perioada de la 2 la 4 ani
Relevant tenor for this segment 2 up to 4 years
4%
8%
6% 6%
10%
11%
21%
27%25%
30%
28%
24%
29%
28%
22%
10%
5%
12%
0%
5%
10%
15%
20%
25%
30%
35%
1 Ye ar/
1 An
1 - 2 Ye ars /
1-2 Ani
2 - 3 Ye ars /
2-3 Ani
3 - 4 Ye ars /
3-4 Ani
4 - 5 Ye ars /
4-5 Ani
> 5 Ye ars /
>5 Ani
Se pte mbe r YtD 2009 Se pte mbe r YtD 2010 Se pte mbe r YtD 2011
1 an/
1 year
1-2 ani/
1-2 years
2-3 ani/
2-3 years
3-4 ani/
3-4 years
4-5 ani/
4-5 years
>5 ani/
>5 years
14%
1%
1%
2%
2%
3%
3%
4%
4%
4%
5%
6%
11%
17%
36%
2%
1%
1%
3%
2%
2%
8%
6%
2%
6%
6%
1%
14%
23% 10%
Others
Printing & Packaging
Petroleum & Derivatives
Plastics & Rubber
Wood processing
Forklift
Car Service
Office + IT
Metal processing
Chemical Industry
Medical
Food & Beverage
Electrical devices
Construction
Agriculture
Piata de leasing din Romania finantarea echipamentelor
Romanian Leasing Market Equipment Financing
Agricultura / Agriculture
Constructii / Construction
Electronice / Electrical devices
Industria Alimentara/Food & bevarage
Ehipamente Medicale/ Medical Equipments
Industria Chimica/ Chemical Industry
Industria Metalurgica/ Metal Processing
Office + IT
Service auto / Car Services
Stivuitoare / Forklift
Ind. Prelucrarii lemnului / Wood procesing
Industria maselor plastice / Plastics & Rubber
Industria petroliera / Pentrolium & derivates
Echipamente de printat / Printing & Packaging
September 2011
September 2010
Altele / Others
11
94%
6%
74%
26%
88.3%
11.7%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Brand New/ Noi Used / Second Hand
Finantarea echipamentelor dupa tipul achizitiei/
Equipment Financing by Acquisition Type
Noi / New Second Hand
September 2009
12
3%
4%
2%
7%
16%
6%
24%
18%
16%
18%
20%
15%
32%
20%
31%
17%
16%
30%
0%
5%
10%
15%
20%
25%
30%
35%
1 Ye ar/
1 An
1 - 2 Ye ars /
1-2 Ani
2 - 3 Ye ars /
2-3 Ani
3 - 4 Ye ars /
3-4 Ani
4 - 5 Ye ars /
4-5 Ani
> 5 Ye ars /
>5 Ani
Finantarea echipamentelor dupa durata contractului
Equipment Financing by Duration of the Contract
Cea mai mare concentrare in zona contractelor semnate pe o perioada mai mare de 4-5 ani
Relevant tenor for this segment more than 4 5 years
1 an/
1 year
1-2 ani/
1-2 years
2-3 ani/
2-3 years
3-4 ani/
3-4 years
4-5 ani/
4-5 years
>5 ani/
>5 years
13
Piata de leasing - finantarea sectorului imobiliar/
Financial Leasing Market Real - Estate Financing
Industriale /
Industrial
Birouri/
Office
Hoteluri /
Hotel
Retail Outlets
Rezidential /
Residential
Terenuri /
Land
27%
1%
7%
34%
27%
23%
8%
22%
35%
0%
5%
11%
38%
24%
1%
4% 4%
29%
0%
5%
10%
15%
20%
25%
30%
35%
40%
14
0%0%
1% 0%
1% 0%0%
0%
1%
0%
1%
1%
3%
1%
19%
96%
98%
78%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
1 Ye ar/
1 An
1 - 2 Ye ars /
1-2 Ani
2 - 3 Ye ars /
2-3 Ani
3 - 4 Ye ars /
3-4 Ani
4 - 5 Ye ars /
4-5 Ani
> 5 Ye ars /
>5 Ani
Finantarea bunurilor imobiliare dupa durata contractului
Real Estate Financing By Contract Term
Cea mai mare concentrare in zona contractelor semnate pe o perioada mai mare de 5 ani
Relevant tenor for this segment more than 5 years
1 an/
1 year
1-2 ani/
1-2 years
2-3 ani/
2-3 years
3-4 ani/
3-4 years
4-5 ani/
4-5 years
>5 ani/
>5 years
15
Leasing market future development is depending of
authorities support
We kindly request authorities implications as follows:
1. MINISTRY OF PUBLIC FINANCE/ANAF:
To issue and to implement urgently anti crises policies
To cooperate with ALB and to ensure fully transparency of its
normative intentions
To support social dialogue
To ensure fiscal stability
To standardize fiscal procedures strictly with fiscal territorial
administration
2. MINISTRY OF JUSTICE:
To clarify double standards applied in the relation with forced
execution procedure (different regime for ANAF and leasing
companies)
To issue clarifications for correct interpretation of New Civil Code

Pia A Industriei de Leasing Financiar În România: Financial Leasing Market in Romania

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Pia A Industriei de Leasing Financiar În România: Financial Leasing Market in Romania

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Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

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