1. Piaţa românească de leasing şi credit de consum/
Asociatia Societatilor Financiare din Romania/
Romanian Association of Financial Companies
Piaţa românească de leasing şi credit de consum/
Romanian Leasing and Consumer Credit Market
Jean – Claude Boloux, Presedinte ALB – Romania
President of ALB – Romania
October 23, 2008

2. (decembrie 2007 / December 2007)
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 după domeniul de activitate măsurat 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
Operaţiuni de factoring, scontare, forfetare/Factoring, Discount, Forfeiting Operations
1.14
Leasing financiar / Financial Leasing
81.89
Credite de consum şi vânzări în rate / Consumer Credits and Sales by Installments
7.73
Credite pentru investiţii imobiliare / Credits for Real Estate Investments
3.99
Microcredite / Micro-Credits
0.11
Credite de trezorerie/ Treasury Credits
3.49
Credite pentru finanţarea stocurilor şi 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. Weight & Dynamics of the leasing and of the Non - Governmental Credit
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 (000) Euro

8. Total societati/ Total Companies Total societati ALB/ ALB Companies
Cadrul legislativ intre bun si mai putin bun Legislative framework between good and less good
Total societati/
Total Companies
Total societati ALB/
ALB Companies
Q2 2007
Q2 2008
Registrul General/
General Register
155
277 5 31
Registrul Special/
Special Register 52 22 30

9. ALB CHART . AGA BOD Secretariat General Compliance/ Controlling
Internal Censors
BOD
External Audit
Secretariat
General
Leasing Council
Technical Committees
Risk
Legal
Fiscal / Accounting
Logistics / Operational
Factoring Council
Technical Committees
Risk
Legal
Fiscal / Accounting
Mortgage Credit Council
Technical Committees
Risk
Legal
Fiscal / Accounting
Consumer Credit Council
Technical Committees
Risk
Legal
Fiscal / Accounting

10. 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 adequacy criteria 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

11. 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

12. 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

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