SOCIETE GENERALE EQUIPMENT FINANCE

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Bernadette Davis
6 years ago
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1 C1 SOCIETE GENERALE EQUIPMENT FINANCE THE RISING COMPETITIVE MARKET NEW OPPORTUNITIES 07/12/2015

3 SOCIETE GENERALE EQUIPMENT FINANCE IDENTITY CARD SGEF CORPORATE PRESENTATION P.3

RANKING OF LEASING COMPANIES European ranking Société Générale Leasing Solutions (incl.

Deutsche Leasing Unicredit Leasing Nordea Finance Alphabet international LeasePlan Corporation N.V.

source: Ranking Leaseurope 2014 New Business volumes in million 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000

4 RANKING OF LEASING COMPANIES European ranking Société Générale Leasing Solutions (incl. ALD BNP Paribas Leasing Solutions (incl. Arval) De Lage Landen International B.V. Deutsche Leasing Unicredit Leasing Nordea Finance Alphabet international LeasePlan Corporation N.V. Credit Agricole Leasing & Factoring CM CIC BAIL Equipment Financing all assets with Sogelease and Starlease, source: Ranking Leaseurope 2014 New Business volumes in million 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 Worldwide ranking De Lage Landen International B.V. GE Capital Société Générale Leasing Solutions (incl. ALD BNP Paribas Leasing Solutions (incl. Arval) Bank of America Leasing Deutsche Leasing Wells Fargo UNICREDIT Nordea Finance Alphabet International Source: Ranking Leaseurope 2014, GE annual report, The Monitor New Business Volume in million 0 5,000 10,000 15,000 20,000 25,000 CORPORATE PRESENTATION P.4

9 COMPETITION DIFFERENTIATING YOURSELF PREPARING THE FUTURE: development of structured solutions & financing alternatives BUSINESS MODEL & STRATEGY: specialization - vendor finance VALUE ADDITION: Structuring => As a Service solutions Asset specialization => Open Residual Values Be better in all processes, increase efficiency Never sell on price, always sell on value COMPETITION FROM FINTECH COMPEON: immediate competitor to direct Lessors BUT coming soon to the Vendors P.9

10 THANKS TO VENDOR FINANCE, VENDORS CAN CONTROL ASSETS LIFE CYCLE Sales Increase sales Renewal With equipment comes a series of economic flows Maintenance Establish the vendor s maintenance and spare parts Build packages including material and services Protect and facilitate equipment renewal Services Spare parts Control the secondhand market CORPORATE PRESENTATION P.10

11 A WORLD IN TRANSITION NEW CHALLENGES What sort of financing to offer? How to remain competitive and add value? High Tech From To Standard Financing Products; Fixed Tenors; Constant Rentals; Focus on Customer Credit Risk => Banks acting solely as the main actors & financing providers Structured Solutions: equipment, services, licenses, maintenanc e ; Early Terminations; Variable Payments; Different Risks: Asset, Credit, Legal => Specialized financing agents acting in partnership with equipment providers P.11

12 A WORLD IN TRANSITION NEW CHALLENGES BUT: one thing should remain unchanged!!! From High Tech To The HUMAN FACTOR / TOUCH P.12

13 THE POWER OF MARKEPLACE LENDING - COMPETITION OR OPPORTUNITY SMALL BUSINESS LENDING CRISIS BANK QUALIFIED & NON-QUALIFIED BUSINESS 2014 Qualifying Non Qualifying Total => 3.7M businesses, 544 Bi USD potential Loan Value => 32.4M businesses, 1,745 Bi USD potential Loan Value => 36.1M businesses, 2,289 Bi USD potential Loan Value Banks limit their lending to a small percentage of borrowers Some borrowers prize speed and flexibility over rates Private Equity and other investors remain attracted to high potential return Lenders are exploiting traditional and non-traditional risk management approaches to expand borrowing targets P.13

CREATING NEW GROWTH OPPORTUNITIES Traditional F&L services

Competitive market Added value services Asset management

Vendors educational programs New services Green solutions New

14 CREATING NEW GROWTH OPPORTUNITIES Traditional F&L services Financing Saturated market Leasing (traditional/finance Lease) Competitive market Added value services Asset management Insurance Operational leasing Marketing support Loyalty programs Vendors educational programs New services Green solutions New mobility solutions Data mining solutions Socially responsible solutions P.14 07/12/2 015

Vendors 'offering End users / cutomers Introduce leasing reflex Focus on leasing flexibility Ourselves (

15 EDUCATE TO OPEN NEW DOORS Vendors A cash sale is a lost sale Improve product perception Focus on cash-rich vendors to better market leasing solutions Develop end users training program to complete Vendors 'offering End users / cutomers Introduce leasing reflex Focus on leasing flexibility Ourselves ( The Leasing Industry ) Open up and forget our narrow mindedness Leaseurope CEO Business Council 2014 P.15 07/12/2 015

16 C1 SOCIETE GENERALE EQUIPMENT FINANCE THE RISING COMPETITIVE MARKET NEW OPPORTUNITIES

Leasing in Europe State of Play and Outlook. Bucharest, Romania 19 November

Leasing in Europe State of Play and Outlook Bucharest, Romania 19 November Agenda o About Leaseurope o Leasing in Europe o Leased Assets & Customers o State of the Industry o Industry Performance o Business