oana stoenescu sales...
TRANSCRIPT
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Oana Stoenescu – Sales Director
Conferinta IMM, Timisoara 29 septembrie 2015
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Piata de leasing
Leasing vs. Credit
Leasing operational vs. leasing financiar
Despre Garanti Leasing
Agenda
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Sectoare economice in dezvoltare: Piata auto -> auto Agricultura -> echipamente Transporturi -> vehicule comerciale Constructii (comerciale si logistica) -> echipamente, depozite
Oportunitati de dezvoltare Constructii imobiliare (real estate) -> imobile Industria IT -> echipamente IT Infrastructura si logistica -> echipamente
Premise si tendinte in economia Romaniei
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2008 2009 2010 2011 2012 2013 2014
Achizitii (Mii EUR)
1,3241,2431,362
1,3321,1251,299
4,818
+7%
Piata de leasing
72%
64% 64%68% 70% 71%
76%
21% 19% 22%25% 26% 25%
21%
7% 17%14% 7%
4% 4% 3%
2008 2009 2010 2011 2012 2013 2014
Vehicle Equipment Real Estate Structura
Sursa:Asociatia Societatilor
Financiare - ALB Romania
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Leasing Credit bancarversus
Financiar Operational
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Achiziție din România
Valoare EUR TVATotal plată
100,000 24,000 124,000
Achiziție UE
Valoare EUR TVATotal plată
100,000 0 100,000
Credit Bancă
Valoarecredit Rată credit
124,000 2,067
Valoarecredit
Ratăcredit
100,000 1,667
Leasing
Valoareleasing
Ratăleasing
(capital) TVARată
leasing
100,000 1,667 400 2,067
Valoareleasing
Ratăleasing
(capital) TVARată
leasing
100,000 1,667 400 2,067
dobândă mai mică vs. credit
se compensează cu statul
Leasing versus Credit bancar (TVA)
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Achiziții din România Rată leasing = Rată credit
Rată leasing > Rată creditDiferența-TVAul => se compensează cu statul
Achiziții din UE; plătitori de TVA
Leasing versus Credit bancar
Concluzii
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Timp scurt de analiză -> TIMP
Garanții suplimentaremult diminuate -> BANI
Consultanță privindechipamentul / proiectulfinanțat (departamentespecializate în investiții/ echipamente/ auto) -> CALITATE
Diminuarea riscului de furnizor – preț, garanție(colaborări cu cei maiimportanți furnizori de echipamente) -> CALITATE
Servicii post vânzare (ex. Inmatriculare, asigurare, inspecțiitehnice periodice etc.) -> CALITATE
Avantaje Leasing
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Leasing financiar versus operațional
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Leasing financiar Leasing operațional
Valoare achiziție 10,000 Valoare achiziție 10,000
Amortizare=rata /an 3,3005ani Rată =chirie /an 2,667
vr 1% 100 1
% vr 20% 2,000
Bilanț Bilanț
Active Datorii Active Datorii
10,000 10,000 0 0
Profit 3 ani Profit 3 ani
Cheltuieli Venituri Cheltuieli Venituri
CAPEX 10,000 5,000 OPEX 8,000 0
Venit din vânzare după 3 ani
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Activul achiziționat este al companiei = investiție
Profitul firmei este afectat doar pe perioadaamortizării
Compania poate marca profit suplimentar prinvânzarea activ
Perioadă mai mare de rambursare = rată mai mică
Leasing financiar
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Costuri fixe pe perioada contractului (chirie)
Achiziția - nu necesită buget de investiții aprobat
Compania poate reinnoi periodic parcul auto
Fleet management : ITP, asistenta rutiera, gestiuneanvelope
Leasing operațional (auto)
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DespreGaranti Leasing
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Garanti Leasing România
• Portofoliu de 115 millioane EUR• 4500 Contracte• 2500 Clienti
PORTOFOLIU
• Cota de piata -> 4.8 % • Locul 8 în piata de leasing• Locul 6 –companii de leasing afiliate bancilor
COTA DE PIATA
2014
• Bucuresti, Constanta, Cluj, Timisoara, Craiova, Brasov, Iasi
• Sucursalele banciiRETEA
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3.4%
0.9%
2.1%
3.5%3.9% 4.0%
4.8%
-
20
40
60
80
100
120
140
160
180
200
0%
1%
2%
3%
4%
5%
6%
2008 2009 2010 2011 2012 2013 2014
Acquisition Value
Market Share%
12 20 13 10 10 9 8
Rank in TOP Leasing Company
Garanti Leasing România
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• Leasing imobiliar
• Leasing echipamente
• Leasing auto(financiar si operational)
Experienta peste 15 ani in domeniu
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• Sale & lease back
• Project management
• Licitatii publice
Produse inovative
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Contact:
garantileasing.ro
garantibank.ro
reteaua de agentii Garanti Bank
Vamultumesc !