Europejski Fundusz Leasingowy SA. Company profile

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1 Europejski Fundusz Leasingowy SA Company profile August 2011

2 Crédit Agricole Group The leader of retail banking in France One of the largest universal retail banks in Europe The leader on the factoring and leasing market in France Third position in Europe and eight position in the world in terms of asset management The leader of the European market of financial services for institutional customers The European leader on the banking insurance and consumer loan market The key player on the private banking market 2 Source: CA Group, December 2010

3 Crédit Agricole Group in numbers EUR b. Profit EUR 71.5 b. Equity capital 10.3% Solvency ratio (TIER 1) 54 m. Number of customers 1.2 m. Number of shareholders 6.1 m. Cooperative shareholders 160,000 Employees in the world 70 Number of countries 3 Source: CA Group, December 2010

4 Crédit Agricole Polska Group PLN m. PLN 2.4 b. Group s profit Group s equity capital 2.3 m. Number of active customers 6,300 Employees 532 Number of branches 4 Source: CA Group, December 2010

5 Crédit Agricole brands in Poland Lukas Bank Europejski Fundusz Leasingowy SA Crédit Agricole Ubezpieczenia na Życie Crédit Agricole Corporate & Investment Bank 5

6 EFL Group Offers leasing of all types of assets; The Retail Leasing business line is dedicated to the provision of services to customers from the SME sector. The Corporate Leasing business line deals with capital groups, institutions and large enterprises. Functions as an insurance agency through which leased fixed assets and lessees are insured. In addition, it offers loans for the purchase of fixed assets for farmers and entrepreneurs operating in the medical industry. Specialises in managing g car fleets and long-term lease of vehicles. It also offers vehicle financing and service. Supports CA Group in the area of property management and collection of liabilities to EFL. Factoring company 6

7 Europejski Fundusz Leasingowy SA Number 1 on the leasing market 230,000 Number of customers 530,000 Number of signed agreements 80,000 Number of cooperating entities PLN 29 b. Value of financed investments 7

8 Europejski Fundusz Leasingowy SA 20 years of cooperation with suppliers 230,000 Number of entities cooperating with EFL 85,000 Number of our partners customers financed by EFL 130,000 Number of agreements with our partners customers PLN 14 b. Value of financing provided to our partners customers 8

9 Europejski Fundusz Leasingowy SA Leading suppliers Vehicles Machinery and equipment Agro market IT Insurance companies 9

10 Europejski Fundusz Leasingowy SA National distribution network 2 business lines Corporate Leasing Retail Leasing 25 branches 7 offices 64 agents 320 merchants 10

11 Europejski Fundusz Leasingowy SA Sound financial basis Fitch Rating A+ Diversified sources of financing Leader of financing with the support of EU institutions 11

12 Europejski Fundusz Leasingowy SA Prizes and awards Customer-Friendly Company (2011) Company of High Reputation (2010) Pearl of the Polish Economy y( (2010) Winner of the Book of Lists ranking (2010, 2011) Winner of the ranking of Rzeczpospolita daily (2010) Gold and Diamond Prosperita (2008, 2011) Award of the Forbes Magazine (2006) The Best Partner in Business (2005) 12

13 Retail Leasing Line Mission Support the development of small and medium enterprises by creating a safe, efficient and accessible investment financing system. 13

14 Retail Leasing Line Range Vehicle lease Machinery and IT lease Leasing and loans Leasing and loans equipment lease for physicians for farmers Fuel Cards Property lease Assistance and motor vehicle insurance CFM and car loans 14

15 Retail Leasing Line Range Leasing 15 Types: operating and financial Currency: PLN, denominated and foreign currency: EUR and CHF Interest rate: fixed and floating Procedures: standard and simplified Equipment: new and used Loan Currency: PLN Interest rate: fixed and floating Procedures: standard and simplified Equipment: new and used For farmers and physicians

16 Retail Leasing Line Range Motor car and light goods vehicle market Leasing under the simplified Express procedure Car loan at LUKAS Bank VAT margin capital leasing - used cars Fuel card Insurance (EFLkomunikacja, EFLochrona prawna, EFLassistance, EFLżycie, EFLgwarancje) 16

17 Retail Leasing Line Range Truck market Leasing under the simplified Express procedure Leasing under the EURO ntsl procedure Leasing under the EURO TSL+ procedure Leasing under the off the yard procedure Insurance (EFLkomunikacja, EFLochrona prawna, EFLżycie) 17

18 Retail Leasing Line Range IT equipment, software and licence market Leasing under the simplified ITexpress procedure Leasing for lawyers under the simplified EUROPRAWO procedure Insurance (EFLmajątek, EFLżycie) 18

19 Retail Leasing Line Range Machinery and equipment market Leasing of building equipment under the simplified EUROBUD procedure Leasing of forklift trucks under the simplified EUROLIFT procedure Leasing of equipment for vehicle inspection centres Leasing of agricultural equipment under the special AGROleasing procedure Leasing of medical devices and surgery equipment - EUROMED VAT margin capital leasing of used agricultural machinery Loan for absorption of EU funds and the like (farmers and physicians) Insurance (EFLmajątek, EFLżycie) 19

20 Corporate Leasing Line Mission Be the leader on the Polish corporate leasing market, actively supporting customers development through financing a wide range of investment needs with flexible financial solutions. 20

21 Corporate Leasing Line Range Individual terms and conditions of cooperation Professional consulting services Services provided by dedicated specialists Comprehensive financing of investment needs 21

22 Corporate Leasing Line Key areas of activity Transport Renewable energy industry Fixed property 22

23 Corporate Leasing Line Advantages Sound capital base arising from affiliation to Crédit Agricole Group one of the largest financial institutions in the world Access to experience of experts of Crédit Agricole Leasing the largest leasing company in France Close cooperation with other entities included d in Crédit Group in Poland: Crédit Agricole Corporate & Investment Bank, Crédit Agricole Bank Polska, Lukas Bank, Carefleet, Crédit Agricole Commercial Finance 23

24 Leasing market in Poland Total net value of lease of movables in (in PLN b.) * Source: ZPL 2011; *forecast

25 Leasing market in Poland Leasing market after 1H 2011 EFL; 10.4% Other; 33.8% Raiffeisen; 9.2% BRE; 8.7% Millennium; 6.5% Getin; 3.9% VB Leasing; 4.3% ING; 4.5% Pekao; 4.6% Bankowy; 5.3% BZ WBK; 5.1% With a market share of 10.4%, EFL is the leader of the leasing market. The net value of the market as at the end of 1H 2011 amounted to PLN 14.5 b. 25 Source: ZPL 2011

26 Leasing market in Poland Machinery and equipment market after 1H 2011 EFL; 8.9% BRE; 8.2% Other; 35.1% BZ WBK; 7.4% Millennium; 7.1% ING; 4.8% Raiffeisen; 6.4% BNP Paribas; 5.0% Bankowy; 5.4% SG Equipment; 5.6% Siemens Finance; 6.0% With a market share of 8.9%, EFL is the market leader. The net value of the market as at the end of 1H 2011 amounted to PLN 5 06 b 26

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