Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 1 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
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Asociatia Societatilor Financiare din Romania/ Romanian Association of Financial Companies
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 - PowerPoint PPT Presentation
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Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 1
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 2
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 acordateNBFI structure based on the activity field measured as a weight in the total granted credits
(decembrie 2007 / December 2007)
ProcentePercentage
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 3
Sursa/Source: BNR
20032004
20052006
2007
0
1
2
3
4
5
6
Pondere Leasing / PIB - Weight of leasing / GDP Total credite IFN / PIB - Total credits of NBFI / GDP Dinamica leasingului - Dynamics of the leasing Dinamica creditului neguvernamental - Dynamics of the non-guvernamental credit
Gradul de penetrare a IFN, dinamica leasingului si a creditului neguvernamental /Weight & Dynamics of the leasing and of the Non - Governmental Credit
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 4
Dinamica pietei de leasing/ Romanian Leasing Market in Dynamics
2,687,510
76,370
1,539,963
810,598
536,600
618,770
179,65393,863
48,605
2,943,533
2,170,426
1,484,822
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
Q2 2006 Q2 2007 Q2 2008
000
euro
ALB ASLR OTHERS Total Leasing Market
36%
46%
75%
90%
-13%
- 86%
93%91%
55%
71%
92%
3%
42%
3%
25%
5%4%
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 5
Sursa/Source: BNR - ALB
20062007
Q2 2008
3,120,515
6,567,910
4,486,888
9,435,292
2,751,021
4,035,836000 e
uro
Ponderea leasingului in investitiile din sectorul utilajelor(inclusiv mijloace de transport)/ Weight of Leasing in the Field of the Equipment (including Transport Ways)
Investitiile realizate in economia nationala in sectorul utilajelor (inclusiv mijloace de transport)/ Investments made in the national economy, in the equipment field (including ways of transport) Ponderea leasingului in investitiile din sectorul utilajelor/ Weight of the leasing in the field of the equipment
44%
44%
48%48% 68%
Q2 2
007
2,6
76,8
05
51%
Sursa/Source: INSSE - ALB
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 6
20062007
Q2 2008
147,488
6,133,494
461,381
9,301,411
192,512
4,351,534000 e
uro
Ponderea leasingului in investitiile din sectorul constructiilor noi / Weight of Leasing in the Field of the New Buildings
Investitiile realizate in economia nationala in sectorul constructiilor noi/Investments made in the national economy, in the new buildings` fieldPonderea leasingului in investitiile din sectorul constructiilor noi/Weight of the leasing in the field of the new buildings
52%
3,0
77,7
25
41%
Q2 2
007
213%
2.4% 5%
5%
Sursa/Source: INSSE - ALB
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 7
Total bunuri finantate in functie de tipul finantatorilor/
Total Asset Value by Type of Lessors 2.943.533 (000) Euro
Captive16%
Bank66%
Independent18%
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 8
Cadrul legislativ intre bun si mai putin bunLegislative framework between good and less good
Total societati/
Total CompaniesTotal societati ALB/
ALB Companies
Q2 2007 Q2 2008 Q2 2007 Q2 2008
Registrul General/General Register
155 277 5 31
Registrul Special/Special Register
31 52 22 30
Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA 9
Cadrul legislativ intre bune si mai putin bune/Legislative framework between good and less good
Weaknesses:
1) No penal restrictions for illegal practice
2) No access to data bases for risk management (CRB, CIP, Credit Bureau)
3) Two Registers imposing different rules having as main criteria the volume of business:
a. Different capital adequacycriteria in the Special Register.
b. Different internal organizational rules in the Special Register
Consequences:
1) Increase of financial fraud
2) Consumer Credit – increase of default
3) Unfair competition:
a. 2 Registers = double standards b. European Passport = 3rd standard
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