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Adaugat in data de 25-02-2014

The Romanian Leasing Market as of December 31, 2013

The Romanian Leasing Market as of December 31, 2013

As of December 31, 2013, the Romanian financial leasing market registered a new financed volume amounting at 1 243 million  Euros, i.e. a decrease of 9% compared with the same period of 2012. The new financed volumes in 2013 were oriented towards the 3 traditional domains for financial leasing: transportation with a table weight of 71 % (879 million Euros), equipment dedicated to different economic sectors with a 25% weight (315 million Euros) and real estate with 4% weight (49 million Euros).

The financing of  transport field  indicates a constant weight related to the tourism vehicles category (55% weight). It’s worth mentioning that compared with the same period of the previous year, the financing of heavy commercial vehicles registers an increase of 6% in weight reaching 30%, while the financing of light commercial vehicles shows a decrease with 1% compared to December 2012 ( 13% weight). A percentage of 2% out of the total vehicles’ financing is the weight of other types of registered transportation means.

Taking into consideration the fact that the auto market in Romania, in 2013, showed an evident decrease, the dependence of the leasing financing on this market could be an objective reason, which negatively and directly affected the total volume of new leasing financings at national level.

In accordance with the national economic growth supported by agricultural production and export growth, financing in financial leasing proved to be a consistent supporter of the financing needs of these sectors. Thus, compared to 2012, the year 2013 registered an increase of the agricultural equipment from 14% to 23%, similar to the equipment financing for the wood processing industry (up from 3% to 4%), the financing of food and beverage (up from 2% to 5%), and the car service (up from 1% to 3%).

The increase in the share of financing auto services is consistent with the trend of the aging fleet at national level, accelerated by the establishment of the green tax and lower purchases of new vehicles. These reorientations of funding prove the supportive role of the financial leasing in the economic growth, especially in the SMEs sector.

In the same above mentioned context, the quota of other industries is decreasing as follows: the construction field from 22% to 17%, the metal processing segment from 9% to 8% and financing of electric power technologies from 19% to 14%. It is useful to notice that compared with 2012 when the energy sector recorded growth, the year 2013 shows a decrease in this area as a result of legislative changes relating to the energy sector.

The financing of the other economic sectors has still a relatively constant weight.  The real estate sector in 2012 being maintained historically low, and that, in accordance with the general context of the real estate market in Romania.

The legal clients attracted the largest part (97%) of the total financings, up 9% over the same period of 2012, followed by the individuals (3%). We estimate that the implementation of the Regulation 17 of the NBR, starting January, 2013 is a measure which led to the decrease of financed volumes, especially those for individuals. Unfortunately, the public - private partnership registered a share of 0 % indicating the lack of appetite for this model of financing of public investment projects nationwide.

The most frequent period of the leasing contracts is 4-5 years (29%), followed by 3-4 years with (24%), 2-3 years (20%), 5-7 years (10%), 1-2 years (9%), 1 year (4%) and 7-15 years (4%). This last period is characteristic for the financing of the real estate market.

The biggest market quota is registered by the sector of the banks’ subsidiaries, with 65% out of the total, followed by the captive companies sector with 20% and by the independent companies sector with 15%.

Based on the ALB statistics, ALB represents 88% out of the total financial leasing market in Romania. ALB is member of the European Federation of the Leasing Associations – Leaseurope and coordinates the CEE Cluster of Leaseurope at the level of the Secretary General.

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Kelli
Is this a street food (as in, not only in resnruaatts)? If so, how is it served?Yes, especially at the beaches in Ecuador you will find ceviche carts everywhere. The ceviche is usually served in plastic bowls or cups, topped with maiz tostado (a type of South American corn nut), chifles or green plantain chips, or patacones (thick plantain chips). You can also ask for them to add some aji or hot sauce to your ceviche.
Rasta
Gill, Do you live in the USA? If you want to rent out your house, you can ask real estate angtes to help you definitely. But for the apartments, leasing offices will take care of everything. Why do Leasing offices need real estate agent? I would like to say that Kenny is right, yours is just an ideal theory. It is common to see a 6-month new contract coming in the apartments. There is no negotiation in most apartments. If you want to rent out your house, people can negotiate with you too. For those people with low credit score, leasing offices will reject their application.
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