1 Banking and Leasing – Hilton – JP Decrock

2 Banking and Leasing What is the interest for the banks to diffuse the leasing ? What interest for the leasing companies to use the banking side ? What difficulties met in this approach ?

3 Banking and Leasing What is the interest for the banks to diffuse the leasing ? What interest for the leasing companies to use the banking side ? What difficulties met in this approach ?

4 Banking and Leasing The leasing interest for the banks 2 main reasons : - to enlarge the commercial offer - to reinforce the security of the operations One certitude : without a leasing offer, the bank is condemned to loose customers

5 Banking and Leasing What is the interest for the banks to diffuse the leasing ? What interest for the leasing companies to use the banking side ? What difficulties met in this approach ?

6 Banking and Leasing The banking interest for the leasing - to take benefit of the network and the customer portfolio - to multiply the sales department - to increase the activity with more security - to increase the funding potential

7 Banking and Leasing What is the interest for the banks to diffuse the leasing ? What interest for the leasing companies to use the banking side ? What difficulties met in this approach ?

8 Banking and Leasing The difficulties between the 2 actors - conflict between two sorts of risk education : the client risk and the asset risk approach - credit risk heritage - the fear to speak on a product not very well appropriated - and often the fact to loose some income

9 Banking and Leasing No alternative a bank needs the leasing product in its commercial offer and the leasing company is obliged to use the banking network to sell its product.

10 Banking and Leasing BRD Sogelease thanks you for your attention.