ASOCIATIA DE LEASING BANCAR

1
Asociatia Societatilor Financiare din
Romania/ Romanian Association of Financial
Companies
Piata româneasca de leasing si credit de
consum/ Romanian Leasing and Consumer Credit
Market
Jean Claude Boloux, Presedinte ALB Romania
President of ALB
Romania October 23, 2008
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 dupa domeniul de activitate masurat ca pondere în total credite acordate NBFI structure based on the activity field measured as a weight in the total granted credits (decembrie 2007 / December 2007) Procente Percentage
Operatiuni de factoring, scontare, forfetare/Factoring, Discount, Forfeiting Operations 1.14
Leasing financiar / Financial Leasing 81.89
Credite de consum si vânzari în rate / Consumer Credits and Sales by Installments 7.73
Credite pentru investitii imobiliare / Credits for Real Estate Investments 3.99
Microcredite / Micro-Credits 0.11
Credite de trezorerie/ Treasury Credits 3.49
Credite pentru finantarea stocurilor si pentru echipamente / Credits for Stocks Financings and for Equipment 0.85
Alte tipuri de credite / Other Types of Credits 0.8
Sursa/Source BNR
3
Gradul de penetrare a IFN, dinamica leasingului
si a creditului neguvernamental / Weight
Dynamics of the leasing and of the Non -
Governmental Credit
Sursa/Source BNR
4
Dinamica pietei de leasing/ Romanian Leasing
Market in Dynamics
5
Sursa/Source BNR - ALB
Sursa/Source INSSE - ALB
6
Sursa/Source INSSE - ALB
7
Total bunuri finantate in functie de tipul
finantatorilor/Total Asset Value by Type of
Lessors 2.943.533 (000) Euro
8
Cadrul legislativ intre bun si mai putin
bunLegislative framework between good and less
good
  Total societati/ Total Companies Total societati/ Total Companies Total societati ALB/ ALB Companies Total 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
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Cadrul legislativ intre bune si mai putin
bune/Legislative framework between good and less
good

• Weaknesses
• No penal restrictions for illegal
• practice
• No access to data bases for risk
• management (CRB, CIP, Credit Bureau)
• Two Registers imposing different
• rules having as main criteria the volume
• of business
• Different capital adequacycriteria in the
  Special Register.
• Different internal organizational
• rules in the Special Register

• Consequences
• Increase of financial fraud
• Consumer Credit increase of default
• Unfair competition
• a. 2 Registers double standards
• b. European Passport 3rd standard

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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

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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

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Thank you for your kind attention! Jean-Claude
Boloux ALB President
Romanian Association of Financial Companies - ALB