ASOCIATIA DE LEASING BANCAR - PowerPoint by LK2bg5

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									                       Asociatia Societatilor Financiare din Romania/
                       Romanian Association of Financial Companies




Piaţa românească de leasing şi credit de consum/
 Romanian Leasing and Consumer Credit Market




                 Jean – Claude Boloux, Presedinte ALB – Romania
                                       President of ALB – Romania
                                                  October 23, 2008
                    Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                    1
       Ponderea leasingului financiar si a creditului de consum in total credite acordate/
         Weight of the financial leasing and consumer credit in the total granted credits




Structura IFN după domeniul de activitate măsurat ca pondere în total credite acordate           Procente
NBFI structure based on the activity field measured as a weight in the total granted credits    Percentage
                          (decembrie 2007 / December 2007)

Operaţiuni de factoring, scontare, forfetare/Factoring, Discount, Forfeiting Operations                      1.14

Leasing financiar / Financial Leasing                                                                    81.89

Credite de consum şi vânzări în rate / Consumer Credits and Sales by Installments                            7.73

Credite pentru investiţii imobiliare / Credits for Real Estate Investments                                   3.99

Microcredite / Micro-Credits                                                                                 0.11

Credite de trezorerie/ Treasury Credits                                                                      3.49
Credite pentru finanţarea stocurilor şi pentru echipamente /
Credits for Stocks Financings and for Equipment                                                              0.85

Alte tipuri de credite / Other Types of Credits                                                               0.8
                                                                                               Sursa/Source: BNR

                                              Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                                                    2
6
            Gradul de penetrare a IFN, dinamica leasingului si a creditului neguvernamental /
                Weight & Dynamics of the leasing and of the Non - Governmental Credit


5




4




    3




    2




    1




        0

                  2003
                                  2004
                                                   2005
                                                                    2006
              Pondere Leasing / PIB - Weight of leasing / GDP                       2007
              Total credite IFN / PIB - Total credits of NBFI / GDP
              Dinamica leasingului - Dynamics of the leasing
              Dinamica creditului neguvernamental - Dynamics of the non-guvernamental credit
                                                                                               Sursa/Source: BNR

                                             Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                                                   3
                                           Dinamica pietei de leasing/
                                     Romanian Leasing Market in Dynamics
           3,500,000



                                                                                                           2,943,533
           3,000,000


                                                                                               36%              2,687,510
           2,500,000
                                                                                                                    92%

                                                           2,170,426                           75%
           2,000,000
000 euro




                                         46%
                                                                 1,539,963
                        1,484,822                               71%
           1,500,000


                                               90%
                          810,598
           1,000,000
                          55%
                                                                       536,600
                                               -13%                     25%
                       618,770
            500,000
                         42%                                                                       - 86%   179,653
                                                                 93,863                                        5%
                        48,605                 93%                4%
                          3%                                                                      91%           76,370 3%
                  0
                               Q2 2006                            Q2 2007                                   Q2 2008

                                                ALB      ASLR    OTHERS          Total Leasing Market


                                                     Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                                                            4
        Ponderea leasingului in investitiile din sectorul utilajelor(inclusiv mijloace de transport)/
              Weight of Leasing in the Field of the Equipment (including Transport Ways)


                                                                                                            9,435,292




                                                                              00
                                                                            ,0
                      00 00 00 00 00 00 00 000 000 000
                                                                          0
                                                                     9, 10,

                                               00 ,00 ,00 ,00 ,00 00
                                                                                               44%


                                                                        ,
                                                                      0
                                                                                   6,567,910

                                                                   0
                                                                  8,
                                                                0
         000 euro




                                                              0
                                                            7,
                                                          0




                                                                                                44%                                4,035,836
                                                        0
                                                      6,
                                                    0




                                                                                                                         51%
                                                  0
                                                5,
                                             0,
                                           0
                                         4,

                          00 00 00
                                      0,




                                                                                                            Q2 2007
                                                                                                           2,676,805
                                    0
                                  3,




                                                                                               3,120,515
                               0,




                                                                                                                       4,486,888         2,751,021
                             0




                                                                                                48%
                           2,




                                                                                                                        48%              68%
                        0,
                      0
                    1,




                                                                                    2006
                                                                                                      2007
                                                                                                                               Q2 2008
Investitiile realizate in economia nationala in sectorul utilajelor (inclusiv mijloace de transport)/
                                                                                              Sursa/Source: BNR - ALB
Investments made in the national economy, in the equipment field (including ways of transport)
 Ponderea leasingului in investitiile din sectorul utilajelor/
                                           Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
Weight of the leasing in the field of the equipment
                                                                                                                                                                5
                                                                                                                                          Sursa/Source: INSSE - ALB
                  Ponderea leasingului in investitiile din sectorul constructiilor noi /
                        Weight of Leasing in the Field of the New Buildings


                                                                                                                                         9,301,411




                                                                                                 0
                                                                             00 ,00 ,00 ,00
                                                                                               0
                                                                                             00
                                                                                     9, 10,

                                                                                           0
                                                                                                                   52%
                                                                                         0
                                                                                       00

                                                                                     0                 6,133,494
                                                                                   0
                                                                                 00

                                                                               0
                                                                              8,
                                                                          0,
                                                                        00
           000 euro



                                                                      0
                                                                     7,

                                                                    00
                                                                 0,
                                                               00




                                                                                                                                           41%       4,351,534
                                                             0
                                                            6,

                                                           00
                                                        0,
                                                      00

                                                    0
                                                   5,

                                                  00
                                               0,




                                                                                                                             3,077,725
                                                                                                                              Q2 2007
                         00 ,00 ,00 ,00

                                             0
                                            4

                                           00
                                        0,
                                      0
                                     3

                              00 00




                                                                                                     147,488         213%
                                  0,




                                                                                                                                         461,381
                                                                                                                                           5%
                                0




                                                                                                     2.4%                                              192,512
                               2




                                                                                                                                                         5%
                           0,
                       0
                      1,




                                                                                                            2006
                                                                                                                            2007
                                                                        Q2 2008
Investitiile realizate in economia nationala in sectorul constructiilor noi/
Investments made in the national economy, in the new buildings` field
                                     Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE
Ponderea leasingului in investitiile din sectorul constructiilor noi/                                                                                – ALB ROMANIA
                                                                                                                                                                           6
Weight of the leasing in the field of the new buildings                                                                                              Sursa/Source: INSSE - ALB
Total bunuri finantate in functie de tipul finantatorilor/
          Total Asset Value by Type of Lessors
                 2.943.533 (000) Euro




     Captive
      16%




                                                            Bank
                                                            66%


Independent
    18%




                     Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                     7
           Cadrul legislativ intre bun si mai putin bun
       Legislative framework between good and less good




                        Total societati/               Total societati ALB/
                       Total Companies                   ALB Companies


                     Q2 2007 Q2 2008 Q2 2007                             Q2 2008

Registrul General/     155              277                  5                 31
General Register

Registrul Special/      31               52                 22                 30
Special Register

                          Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                          8
                                           ALB CHART               .




                                                 AGA

                                                                         Compliance/
                                                                          Controlling

                          Internal
                          Censors
                                                 BOD                   External Audit


                                            Secretariat
                                             General




   Leasing Council               Factoring Council      Mortgage Credit Council         Consumer Credit Council


Technical Committees           Technical Committees      Technical Committees            Technical Committees

          Risk                          Risk                       Risk                           Risk
          Legal                         Legal                      Legal                          Legal
  Fiscal / Accounting           Fiscal / Accounting        Fiscal / Accounting            Fiscal / Accounting
Logistics / Operational




                                            Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                                                9
             Cadrul legislativ intre bune si mai putin bune/
          Legislative framework between good and less good

Weaknesses:                                       Consequences:

1) No penal restrictions for illegal              1) Increase of financial fraud
   practice

2) No access to data bases for risk               2) Consumer Credit – increase of default
   management (CRB, CIP, Credit Bureau)

3) Two Registers imposing different         3) Unfair competition:
   rules having as main criteria the volume
   of business:

    a. Different capital adequacy                 a. 2 Registers = double standards
       criteria in the Special Register.

    b. Different internal organizational          b. European Passport = 3rd standard
       rules in the Special Register



                                   Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                                   10
         Actions to be taken:

New text of NBFI Law, bringing:
   unique standards
   strong supervision from NBR
   antifraud penalties
   penalties to illegal actors
   access to CRB, CIP, Credit Bureau
ALB – IGPR co-operation
Strict measures to be taken by ALB
 members

                Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                11
              Conclusions

 Good dialogue with the NBR
 Good dialogue with the ARB
 Activity of NBFI to be
     Properly structured
     Properly supervised
 To contribute to the development of
  the Romanian economy


                 Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                                 12
Thank you for your kind attention!
        Jean-Claude Boloux
           ALB President




            Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA
                                                                            13
            Romanian Association of Financial Companies - ALB

								
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