“romania construct forum ” 29/11/2006

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“Romania Construct Forum29/11/2006 Bucureşti, 29 septembrie 2006 ASOCIAŢIA DE LEASING ŞI SERVICII FINANCIARE NEBANCARE www.alb-leasing.ro

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“Romania Construct Forum ” 29/11/2006. A SOCIAŢIA DE LEASING ŞI SE R VICII FINANCIARE N E BANCARE www.alb-leasing.ro. Bucureşti, 29 s eptemb rie 2006. Noutati despre ALB. Nume nou = deschidere catre toate IFN - PowerPoint PPT Presentation

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“Romania Construct Forum”29/11/2006

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

es

tim

ate

d

for

20

06

24,03%

ALB Total Bunuri Finantate Septembrie, 2006

Valoare Totala € 1.603 milioane

Equipment26%

Real Estate6%

Vehicle68%

Total Bunuri Finantate ALB 2006 Q3 2005 versus 2006 Q3 (000 Euros)

Cota de piata ALB = 80%

738,531

1,603,941

0

500,000

1,000,000

1,500,000

2,000,000

Q3 2005 Q3 2006

Q3 2005

Q3 2006

117 %

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 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 Tipul Clientului2003 - 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

.

Offic

e B

.

Re

sid

en

tia

l B

.

Ind

ustr

ial B

.

Offic

e B

.

Re

sid

en

tia

l B

.

Ind

ustr

ial B

.

Offic

e B

.

Re

sid

en

tia

l B

.

Ind

ustr

ial B

.

Offic

e B

.

Re

sid

en

tia

l B

.

2003 2004 2005 6/30/2006

00

0 e

uro

Media: Industrial:71%

Rezidential:29%

Piata Europeana de Leasing Imobiliar – iunie, 2006Piata Europeana de Leasing Imobiliar – iunie, 2006

7,00%

3,17%

2,93%

2,05%

6,52%

0,56%

5,74%

6,77%

1,28%

2,48%

3,65%

5,02%

0,73%

1,33%

0,27%

0,07%

• Italia este nr. 1 in Europa

• Multe tari au potential mare de dezvoltare

• Romania este pe ultimul loc

€€/Billions/Billions

Source: National Leasing Associations, LeaseuropeSource: National Leasing Associations, Leaseurope

ItalyItaly

GermanyGermany

FranceFrance

SpainSpain

AustriaAustria

UKUK

GreeceGreece

PortugalPortugal

BelgiumBelgium

Czech Rep.Czech Rep.

NetherlandsNetherlands

SloveniaSlovenia

DenmarkDenmark

HungaryHungary

PolandPoland

RomaniaRomania

11

22

33

44

55

66

77

88

99

1010

1111

1212

1313

1414

1515

2222

00 1010 2020 3030 4040 5050 6060 7070

Val. Finantari/PIBVal. Finantari/PIB

Val. Finantari/PIB este indicatorul macroeconomic care prezinta puterea de penetrare a leasingului imobiliar

Leasingul Imobiliar in Europa - New Business: Valori si Leasingul Imobiliar in Europa - New Business: Valori si TendinteTendinte

Source: Leaseurope, National Leasing Associations, elaboration of 1/h 2006 data by Source: Leaseurope, National Leasing Associations, elaboration of 1/h 2006 data by R.E.S.G .R.E.S.G .

Total leasing imobiliar new Total leasing imobiliar new business (2005) in Europa:business (2005) in Europa:

46,8 Billions Euro46,8 Billions Euro

Factori de Succes ai Leasingului Imobiliar in Factori de Succes ai Leasingului Imobiliar in ItaliaItalia

1) Perioada de amortizare mai scurta, in functie de durata finantarii (fiscal)

2) Valori de finantare mai mari decat in cazul creditului (acces flexibil, avantaj cash-flow)

3) Valoare reziduala negociabila la finele contracului

4) Finantarea propriului sediu = amortizare accelerata

5) Servicii aditionale: managementul cladirii, al santierului , asigurarea cladirii, managementului, santierului

6) Administratiile locale: facilitati fiscale pe plan local pentru finantarile in leasing imobiliar

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:

Codul fiscal; Cadrul legislativ si regulile contabile (IFRS) Reglementarea BNR (Acordul Basel II) – o situatie complexa ce se va

repercuta si asupra leasingului. Legea amortizarii Parteneriatul public privat