“Conferinta Nationala ALB – Editia a II-a”19/10/2006
Bucureşti, 29 septembrie 2006
ASOCIAŢIA DE LEASING ŞI SERVICII FINANCIARE NEBANCAREwww.alb-leasing.ro
Noutati despre ALB
• Nume nou = deschidere catre toate IFN
• Numar total membri = 20 (3 societati credit de consum, 17 societati de leasing) + BCR Leasing in procedura de asociere
• Total cota de piata (reprezentare) = 64% din piata de leasing
• Nu exista cifre consolidate pentru creditul de consum
Realizari 2006
• Propunerile legislative din 2004 si 2005 au devenit texte de lege:
• In vigoare : • OG28/2006,• Legea Leasingului
• Aplicabile incepand cu 2007:• Codul Fiscal, • TVA• Cod Vamal
• Legislatia secundara OG28/2006:• Normele BNR de aplicare a OG 28/2006 – deja in
vigoare
Piata de Leasing din Romania Valoare Total Active
2003 - 2006
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
2003
2004
2005
6/30/2006
Total Leasing Market 954,197 1,384,080 2,015,521 1,484,822
2003 2004 2005 6/30/2006
45,05%
45,162%
2.500.000
ALB
estim
ate
d
for
2006
24,03%
Piata Romaneasca de Leasing Functie de Bunul Finantat 2003 - 30.06.2006
(000 Euro)
TotalLeasingMarket
Equipment Vehicles Real Estate
20032004
200530.06.2006
2003 954,197 106,037 838,705 9,455
2004 1,423,748 176,875 1,226,820 20,053
2005 2,023,278 305,119 1,670,534 47,625
30.06.2006 1,484,822 296,450 1,131,779 56,593
Total Leasing Market Equipment Vehicles Real Estate
Vehicule: 2003=88%
2006=64%
Echipamente: 2003=11%
2006=20%
Imobiliar:2003 = 1%
2006=8%
Piata Totala de Leasing Dupa Categoria Societatilor de Leasing
2003 - 30.06.2006
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
00
0 e
uro
Banks' subsidiary 101,272 331,932 9,455 164,162 497,764 19,072 282,078 769,698 47,053 259,542 562,642 51,435
Captives 0 380,894 0 0 471,861 0 4735 609,439 0 69 330,402 0
Independent 4,765 125,879 0 15,017 214,647 1,557 27,264 274,682 572 36,839 238,735 5158
Equipment Vehicles Real Estate Equipment Vehicles Real Estate Equipment Vehicles Real Estate Equipment Vehicles Real Estate
2003 2004 2005 6/30/2006
Media:
Bancari: 55%
Captivi: 29%
Independenti: 16%
Total ALB 2003 - 30.06.2006(000 Euros)
286.943
543.827
1.039.051
817.726
-
200,000
400,000
600,000
800,000
1,000,000
1,200,000
2003 2004 2005 6/30/2006
1.600.000
AL
B e
stim
ate
d
for
en
d o
f 2
00
6
90%
91%
53%
Total ALB dupa tipul de achizitie2003 - 30.06.2006
-
100,000
200,000
300,000
400,000
500,000
600,000
00
0 e
uro
s
Equipment 65,188 18,271 96,377 44,300 140,287 101,626 147,352 87,421
Vehicle 156,666 32,796 263,440 121,960 512,042 241,141 324,722 207,579
Real Estate - 14,022 509 17,236 23,268 20,198 94 50,279
Import Domestic Import Domestic Import Domestic Import Domestic
2003 2004 2005 6/30/2006
Import: 66%
Domestic: 34%
Total ALB dupa termenul contractelor2003 - 30.06.2006
-
50,000
100,000
150,000
200,000
250,000
300,000
350,000
00
0 e
uro
Equipment Vehicle Real Estate
Equipment 6,477 12,798 33,871 13,278 11,979 5,054 4,343 14,810 74,079 25,337 9,263 13,122 5,657 18,733 79,649 84,667 24,183 22,314 5,201 10,914 43,252 106,337 51,480 17,580
Vehicle 13,788 39,006 76,940 24,664 30,878 4,187 22,846 51,948 149,039 101,347 13,716 16,341 33,826 67,998 248,586 292,465 70,252 20,473 19,586 52,699 154,646 215,365 85,168 4,846
Real Estate - - - - - 14,023 - 290 1,443 178 1,251 14,113 85 67 1,104 3,255 2,980 35,783 - 116 654 3,363 9,950 36,290
1 year 1-2 years2-3 years3-4 years4-5 years> 5 years1 year 1-2 years2-3 years3-4 years4-5 years> 5 years1 year 1-2 years2-3 years3-4 years4-5 years> 5 years1 year 1-2 years2-3 years3-4 years4-5 years> 5 years
2003 2004 2005 6/30/2006
Predomina: 3 ani cu 31%
Total ALB dupa Categoria bunului2003 - 30.06.2006
0
100000
200000
300000
400000
500000
600000
700000
800000
00
0 e
uro
Equipment
Vehicle
Real Estate
Equipment 217,346 24,560 218,435 16,328
Vehicle 697,087 56,103 480,832 51,478
Real Estate 36,330 7,625 40,616 9,758
Brand New Used Brand New Used Brand New Used Brand New Used
2003 2004 2005 6/30/2006
N / A N / A
Media:
Nou:94%
Second hand:6%
Total ALB dupa tipul de Client2003 - 30.06.2006
-
100,000
200,000
300,000
400,000
500,000
600,000
700,000
00
0 e
uro
Equipment
Vehicle
Real Estate
Equipment 82,037 622 798 124,014 2,519 70 241,813 6,517 2,113 220,527 25,182 19,497
Vehicle 174,373 10,650 4,440 328,816 15,134 11,289 618,114 60,879 18,093 434,118 57,462 3,440
Real Estate 14,023 - - 17,275 - - 40,371 92 - 45,292 5,080 -
Corporate Retail Public Corporate Retail Public Corporate Retail Public Corporate Retail Public
2003 2004 2005 6/30/2006
Media: corporativi = 89%
Retail = 9%
Public = 2%
Total ALB dupa Tipul Vehiculelor2003 - 30.06.2006
-
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
00
0 e
uro
Vehicle 128,063 18,980 41,373 1,546 233,550 34,383 113,669 5,724 409,834 102,676 222,563 9,518 296,366 63,199 160,136 12,609
Passanger carsLight commHeavy commOthers Passanger carsLight commHeavy commOthers Passanger carsLight commHeavy commOthers Passanger carsLight commHeavy commOthers
2003 2004 2005 6/30/2006
Media: autoturisme:56%
>3,5t: 30%
<3,5t :12%
Altele: 2%
Total ALB - Sectorul Imobiliar2003 - 30.06.2006
-
2,824 3,385
531
2,305
14,556
29,781
10,638
3,122
24,815
8,577
22,436
-
5,000
10,000
15,000
20,000
25,000
30,000
35,000
Ind
ustr
ial B
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Offic
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.
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sid
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2003 2004 2005 6/30/2006
00
0 e
uro
Media: Industrial:71%
Rezidential:29%
CONCLUZII
• Trenduri de dezvoltare la nivel european: Proportie tot mai mare a leasingului operational; Folosirea/finantarea echipamentelor si serviciile
adiacente vor castiga teren; Sectorul public va folosi din ce in ce mai mult
leasingul;• Provocari:
Impozitarea/codul fiscal; Cadrul legislativ si regulile contabile (IFRS) Reglementarea BNR (Acordul Basel II) – o situatie complexa ce se va
repercuta si asupra leasingului.