The Financial Companies Association ALB Romania Asociatia Societatilor Financiare - ALB Romania

Consumer Credit Market in Romania Piata creditului de consum in Romania December 2011 / Decembrie 2011

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

Outstanding by loan type as of December 2011 Portofoliul dupa tipul de credit in decembrie 2011

6%

2%

Consumer credit for personal consumption / Credite destinate consumului personal

646,51 million

Credits for Vehicles / Credite auto

Industrial Credit/ Credite Industriale

92%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted - December 2011 Credite noi acordate decembrie 2011

3%

4%

Consumer credit for personal consumption / Credite destinate consumului personal

468,81 million

Credits for Vehicles / Credite auto

Industrial Credit/ Credite Industriale

93%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit for personal consumption - December 2011 Credite noi acordate pentru consum personal decembrie 2011

19%

52% Direct personal loans Imprumuturi de tip nevoi personale

52%

19% Credit at the point of sale Credit la POS

29%

437,67 million

29% Revolving credits, including credit cards Credite de tip revolving, inclusiv carduri de credit

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by value in 2011 Credite noi acordate dupa valoare in 2011

(>10000 Euro) 15%

(5000-10000 Euro) 11%

468,81 million

(0-1000 Euro) 52%

(1000 - 5000 Euro) 22%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by client age in 2011 Credite noi acordate dupa varsta clientilor in 2011

< 25 years old 4%

>55 years old 28%

25-35 years old 19%

468,81 million

35-45 years old 28% 45-55 years old 21%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by client residential areas in 2011 Credite noi acordate dupa zona de resedinta a clientilor in 2011

Rural 21%

468,81 million
Urban 79%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by client macro-regions areas in 2011 Credite noi acordate dupa zona de macro-regiune a clientilor in 2011

Nord - Vest Centru Nord - Est

10% 9%

9% 10%

Sud-Est Sud-Muntenia Bucuresti-Ilfov Sud-Vest

23%

468,81 million
14% 15%

10%

Vest

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by client gender in 2011 Credite noi acordate dupa sexul clientilor in 2011

M 50%

468,81 million

F 50%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by marital status in 2011 Credite noi acordate dupa situatia civila in 2011

Married 74%

468,81 million

Unmarried 26%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

10

New credit granted by education in 2011 Credite noi acordate dupa gradul de educatie in 2011

Elementary (1-8 clase) 14%

Superior 35%

468,81 million

Medium (Liceu + profesionala) 51%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

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New credit granted by net income of applicant in 2011 (RON) Credite noi acordate dupa venitul net al solicitantilor in 2011 (RON)

1.001-1.500 21%

501-1.000 54%

1.501-2.000 8%

2.001-2.500 4% 2.501-3.000 2% >4.000 1% 3.001-4.000 1% 0-500 9%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

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Consumer Credit Loan Type December 2011 Tipul de credit de consum decembrie 2011

% of number of new contracts / % al numarului de contracte noi

0.36% 0.01%

653.071 contracts

Consumer credit for personal consumption / Credite destinate consumului personal Credits for Vehicles / Credite auto Industrial Credit/ Credite Industriale

99.63%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

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