Intro to ALD Automotive Sept 2011

Introduction to ALD Automotive

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ALD Automotive Global organization

Societe Generale group

Societe Generale India

ALD Automotive India

What is Operating Lease

Our Product Offering

Contents

3

ALD Automotive at a glance

2nd European leasing company & 3rd

worldwide

Part of

3,700 people

Managing over 870,000 vehicles globally (+9%

per year)

Product mix offering Full Service Leasing& Fleet Management

25%

75%

Direct presence in 37 countries

ALD bluefleet brandfor sustainabledevelopment offering

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Societe Generale profile

Societe Generale is one of the largest financial services groups in the euro zone

157,000 employees in 85 countries 120 different nationalities

15,100 permanent recruitments in the world in 2010 (+30% on 2009)

Societe Generale is included in the socially-responsible investment indexes: FTSE4Good and ASPI

Financial ratings: A+ by Standard & Poor’s, A+ by Fitch and Aa2 by Moody’s (as on July 2011)

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Societe Generale key figures

Societe Generale key businesses: French Networks

Societe Generale, Credit du Nord & Boursorama 10.7 million individual customers

International Retail Banking 12.3 million individual customers

Corporate and Investment Banking Societe Generale ranks among the leading banks worldwide in euro capital markets,

derivatives and structured finance Global Investment Management and Services

Assets under custody € 3,362 bn (Dec 2010) Assets under management € 455 bn (Dec 2010)

Specialised Financial Services and Insurance

NBI of € 26.4 bn (Dec 10)

Net Income of € 3.9 bn (Dec 10) 13.4% of group NBI

DSFS

GIMS

SGCIBRetailBanking in

France

Int. RetailBanking

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ALD Automotive Germany has been elected best independent leasing service supplier by “Autoflotte” and by “Firmenauto” Around 6,000 readers of the “Autoflotte” magazine chose ALD Automotive in the

‘leasing’ category In “Firmenauto” ALD has been awarded for the second time after 2007

ALD Automotive France has been awarded 3 consecutive years as Best Customer Services of the Year

ALD Automotive UK won two Top Industry Award (Fleet Driver Service Award) as it drives up fleet service standards In Fleet World Honours 2010: Fleet Driver Service Award. ALD won the award for our

360 OSI Survey being an industry-leading initiative. In Fleet World Honours 2011: Technology Award. ALD won the award for ProFleet2, a

vehicle-data service that is, arguably, the most cost effective and practical telematics solution available in the UK vehicle leasing market today.

ALD Automotive Czech Rep. has been awarded best Full-Service Leasing product First place in “Fleet AWARDS” for the category “Full-Service Fleet Management”. The

commission awarded 3 consecutive years the “Full-Service Leasing” product. The Golden Crown for the product “Full-Service Leasing All Inclusive” consecutively

since 2002

Focus on service quality: Fleet Awards 2010/2011

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SocGen India – Business Focus

International Retail Banking

Global Investment Management Services

Specialised Financial Services

Corporate & Investment Banking

Resource Group

Asia Holdings (India) Pvt Ltd

Presence in India forover 25 years

Over3000 Employees

Direct Presence in over 25 locations

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ALD Automotive India at a glance

Leading industry player with over 25%

market share

Wholly owned subsidiary of ALD International, Paris

Managing over 7000 cars

for 475 customers

Successful Presence in India for over 6 Years

Product mix offering Full Service Leasing& Fleet Management

75%

Managing

fleet in

Over 250

locations

across the

country

Headquartered in Mumbai.

Branch offices in Delhi, Bangalore, Pune,

Chennai Hyderabad and Ahmedabad

24/7 Break-downassistance

in over 600 Locations

ALD Automotive Group purchases in brief - 2010

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198,000 vehicles purchased

3,200,000 days in short term leasing

930,000 tyres

550 millions of litres of fuel

…and 150,000 used cars sold :

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What is Operating Lease

+ Subscribed services for the Vehicle & for the User

Risks come from:

- Fixing accurate residual value to new vehicles (4 years ahead resale price assumption)

- Self insurance: we pay for accident repairs- Maintenance fund estimation

Depreciation funding + additional services = monthly rental

Vehicle resale price: Rs. 4.5 Lacs

Contract terms (48 months, 80.000km)

Monthly deprecation: Repayment for usageRs. 5.5 lacs / 48 months

Vehicle purchase price: Rs. 10 Lacs

Leasing a car is like renting a house: you pay for the usage

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What do we Offer?

For new fleet acquisition: Full Service Operating Lease

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What do we Offer?

For an Existing vehicle fleet: Sale & Lease Back

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What do we Offer?

For an Existing vehicle fleet: Fleet Management Services without financing

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Different Acquisition Methods

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Benefits of Operating Lease

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Benefits of Operating Lease

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Invoicing Insurance & Damages

Orders & deliveries

Quotations & Acceptance

Contract / Car policy

Services

Dedicated team of professionals to

support all the processes

Restitution

Life cycle management

ALD’s services offer possibilities FOR comprehensive & effective management of your company’s car policy.

Quotation

Account management Reporting

Reduction in total cost of ownership

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What we do: funding, management & optimization

1. Vehicle selection

4. Maintenance

6. Fuel & services

7. Support(assistance, acc.mgt)

5. Insurance

2. Administration (orders, papers, taxes)

3. Financing

8. Reporting & optimization

9. Vehicle remarketing

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Scope of services available under FSL and Fleet Management

Maintenance& repairs

Tyre mgt

Roadsideassistance

Insurance& risk mgt

Reporting management

Car policy review

TCOAnalysis

ALDmatrixoptimisation

Best ratedClient service

Cardelivery

ALD bluefleetprograms

Safetyprogram

Replacement vehicle

Fuel management

OnlineALDnet suite

Loyalty program

Carwashing

Satisfactionsurveys

VIPservice

Technical support

Management tools

Consultancy

Driver satisfaction

VIP options

Eco-friendly society

Globalaccountmngmt

and many others…

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ALD can perform a Total Cost of Ownership analysis

Leverage library

+ KPI

Actions

+ KPI

First fleet analysis

Levers selection Second fleet analysis

Performance measurement

Entity comparisonBrand ComparisonFuel cons. analysisMileage deviation

Rebill analysisEtc..

Car policy optim.Car catalogue review

Driver awarenessEco-driving

Behaviour alertEtc..

Entity comparisonBrand ComparisonFuel cons. analysisMileage deviation

Rebill analysisEtc..

Replace measurement within actual economical

context

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Example of TCO analysis: over consumption measurement

Compare actual fuel consumption (orange line : measured via fuel invoices) with car manufacturer’s fuel consumption (purple line) :

driver’s over consumption (Δ) is the difference between car manufacturer’s fuel consumption and actual consumption.

Δ between +15% and +20% is acceptable

Δ beyond +25% should be highlighted.

29,324 fuel refills

Valuable information

0 l/100km

5 l/100km

10 l/100km

15 l/100km

Ø Ø

? = +16%

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Features of ALD Offering

Flexible offering: select from the basket of services

24/7 Breakdown assistance in 600+ locations

Dedicated Relationship management:

Periodic review of the relationship

Road show and Individual driver counseling to maximize penetration

Personalized attention to each driver

Customized reporting based on your requirement

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Features of ALD Offering Contd..

Centralised customer care for every requirement of yours

Widest network of cashless maintenance and repairs facility for reduced reimbursement hassles

Optiflex Matrix: for easier and transparent termination

Sale and lease back of pre-owned cars

Lease transfers to new employers in case of employee separation

Web-based Reporting tool: the ALD net

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ALD Automotive Optiflex Matrix

Fully transparent pricing grid, indicating the monthly lease rentals for various different combinations of mileages and durations,

Manages all the financial adjustments resulting from contract modifications

Offers fixed monthly rentals applicable to various scenarios for a specific contract. If the actual parameters fall outside of that contracted terms, ALD Automotive amands the contract on the basis of the actual parameters as per the Optiflex Matrix

Interest rates, Residuals and Fleet Management costs are the same as in standard quotations.

Lets you know right at the beginning, what your options can be at the end of the contract.

A strong commitment from ALD Automotive to its customers

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Why chose ALD Automotive Matrix ?

Service offered without extra charges

Contract modification and early terminations costs are already known

Easy budgeting tool,

One Grid; 300 cells with +/- flexibility; 600 quotes available,

No + km or - km (less invoicing documents),

Productivity increase

Commitment & Control

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How does the ALD Automotive Matrix work ?

If a customer wants to terminate the contract originally signed for 48 months and 80000 kms in the 24 months 30000 kms or 36 months 60000 kms, he will need to pay the difference of the EMI multiplied by the eloped duration as a termination fee and return the car back to ALD Automotive

After 24 months, the customer has to terminate the contract:

- the monthly fee is Rs. 16197 instead of Rs. 15424 (= Rs. 773)

- the customer will need to pay Rs.773 x 24 months = Rs. 18552 to ALD.

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How does the ALD Automotive Matrix work ?

Km 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54 57 600 - 10,000 19,475 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

10,001 - 15,000 20,017 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

15,001 - 20,000 20,558 19,734 18,287 16,931 15,907 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

20,001 - 25,000 21,016 20,034 18,485 17,098 16,052 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

25,001 - 30,000 21,473 20,334 18,682 17,266 16,197 16,360 15,976 15,235 14,616 N/A N/A N/A N/A N/A N/A N/A N/A

30,001 - 35,000 22,042 20,796 19,075 17,599 16,485 16,583 16,148 15,392 14,761 N/A N/A N/A N/A N/A N/A N/A N/A

35,001 - 40,000 22,612 21,261 19,467 17,932 16,774 16,807 16,320 15,550 14,907 14,877 14,522 14,108 13,745 N/A N/A N/A N/A

40,001 - 45,000 23,238 21,813 19,968 18,357 17,143 17,107 16,563 15,774 15,114 15,068 14,697 14,270 13,896 N/A N/A N/A N/A

45,001 - 50,000 23,865 22,365 20,469 18,783 17,513 17,406 16,807 15,998 15,322 15,258 14,872 14,433 14,048 14,052 13,826 13,469 13,148

50,001 - 55,000 N/A N/A 21,264 19,452 18,088 17,878 17,197 16,357 15,655 15,561 15,147 14,690 14,288 14,276 14,035 13,667 13,335

55,001 - 60,000 N/A N/A 22,058 20,122 18,663 18,350 17,586 16,716 15,989 15,863 15,423 14,947 14,528 14,499 14,244 13,864 13,523

60,001 - 65,000 N/A N/A 22,665 20,639 19,113 18,764 17,971 17,068 16,315 16,143 15,664 15,171 14,738 14,694 14,424 14,035 13,685

65,001 - 70,000 N/A N/A 23,271 21,156 19,563 19,179 18,356 17,421 16,641 16,423 15,905 15,395 14,947 14,888 14,605 14,207 13,848

70,001 - 75,000 N/A N/A 23,916 21,710 20,049 19,627 18,772 17,803 16,995 16,734 16,179 15,650 15,185 15,110 14,812 14,402 14,033

75,001 - 80,000 N/A N/A 24,562 22,264 20,535 20,075 19,188 18,186 17,348 17,045 16,453 15,904 15,424 15,332 15,020 14,599 14,220

80,001 - 85,000 N/A N/A N/A N/A 21,093 20,591 19,668 18,627 17,759 17,430 16,816 16,242 15,739 15,618 15,280 14,844 14,453

85,001 - 90,000 N/A N/A N/A N/A 21,652 21,106 20,148 19,069 18,169 17,815 17,179 16,579 16,054 15,904 15,541 15,091 14,686

90,001 - 95,000 N/A N/A N/A N/A 21,972 21,417 20,448 19,345 18,422 18,050 17,397 16,781 16,242 16,077 15,699 15,241 14,828

95,001 - 100,000 N/A N/A N/A N/A 22,292 21,727 20,748 19,619 18,677 18,285 17,615 16,984 16,430 16,249 15,857 15,390 14,969

100,001 - 105,000 N/A N/A N/A N/A N/A N/A 21,120 19,961 18,994 18,582 17,894 17,244 16,673 16,474 16,066 15,587 15,156

105,001 - 110,000 N/A N/A N/A N/A N/A N/A 21,493 20,304 19,312 18,880 18,174 17,503 16,916 16,699 16,275 15,784 15,342

110,001 - 115,000 N/A N/A N/A N/A N/A N/A 21,913 20,691 19,672 19,217 18,491 17,798 17,191 16,953 16,511 16,007 15,554

115,001 - 120,000 N/A N/A N/A N/A N/A N/A 22,333 21,079 20,033 19,554 18,807 18,092 17,466 17,208 16,747 16,231 15,766

120,001 - 125,000 N/A N/A N/A N/A N/A N/A 22,659 21,380 20,311 19,813 19,048 18,316 17,675 17,400 16,925 16,399 15,926

125,001 - 130,000 N/A N/A N/A N/A N/A N/A 22,986 21,681 20,591 20,072 19,289 18,540 17,884 17,593 17,104 16,568 16,086

130,001 - 135,000 N/A N/A N/A N/A N/A N/A N/A N/A 20,938 20,398 19,596 18,794 18,091 17,813 17,333 16,785 16,292

135,001 - 140,000 N/A N/A N/A N/A N/A N/A N/A N/A 21,285 20,724 19,904 19,049 18,300 18,032 17,563 17,003 16,499

140,001 - 145,000 N/A N/A N/A N/A N/A N/A N/A N/A 21,357 20,796 19,975 19,114 18,360 18,085 17,608 17,045 16,539

Duration : 36 monthsMileage : 60,000 kmsLease Rentals ( excluding Insurance & VAT ): Rs. 15,989/-

Optiflex Matrix related to Offer No.: XYZ Ltd.Customer : TESTDate: 1/6/2009

30

.00

0 k

m

A fee of15,424/-p.m A - B = Rs. 773/-

Per month

After 24 month 30 K kms you need to pay

Rs. 773 x 24 month=Rs. 18,552/-

24 months 48 months

A fee of16,197/-p.m

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THANK YOU!Write to us at: [email protected]

National toll free number: 1800 209 52 53

Website: www.aldautomotive.in