Alba Leasing Company Profile 2014

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1 Alba Leasing Company Profile 2014

2 Company at a glance Alba Leasing The partner for small and medium-sized enterprises Alba Leasing is a financial company founded in 2010 on the initiative of some of the most solid and reliable Italian banking groups: Banca popolare dell Emilia Romagna, Banco Popolare, Banca Popolare di Sondrio and Banca Popolare di Milano. Alba Leasing distributes its products mainly through the banking channel using an extensive network of approximately 5,000 branches of Shareholder Banks and other Partner Banks that guarantee a widespread presence throughout the national territory. At the end of the third year of activity, Alba Leasing is placed in 5th position in the general ranking of leasing companies and currently occupies the 5th place also on the equipment leasing ranking, with a market share of 7.88% (Assilea, 30 Novembre, 2013). With specific products, Alba Leasing provides companies credit resources and the necessary know-how to give support to their development plans and opportunities with a particular focus on the industry, energy, transport, constructions, high-tech, and services sectors. Concentrating its efforts and addressing its products and services in these sectors, Alba Leasing offers an important contribution to the recovery of investment companies and to facilitate their growth strategies for the years to come. Alba Leasing already has more than 23,000 customers across Italy who believe in its abilities, financial knowledge and efficiency. Alba Leasing has set itself the purpose of being the first choice for customers, and for banks to distribute its leasing products and related services because of the dynamism of its structure, professionalism of its employees, and unfailing attention to the customer. Placement in the leasing market Alba Leasing is currently placed in 5th position in the ranking of leasing companies and in the equipment leasing in Italy (data Assilea). TOTAL LOANS (, as of 30 June, 13) 4.2 billion ACTIVE CUSTOMERS (approx.) 23,000 EMPLOYEES 278 DISTRIBUTION NETWORK (branches) Banca Popolare dell Emilia Romagna 854 Banco Popolare 1,853 Banca Popolare di Sondrio 318 Other Partner Banks 1,686 Data as of 31 December,

3 Our mission & Guidelines Mission Become in the medium/long term a best practicing entity in terms of business effectiveness and operational efficiency, able to compete with major domestic players in the leasing market. Strategic development guidelines Extensive and efficient sales coverage throughout the country, in particular Alba Leasing: - distributes its products mainly through the banking channel; - offers a wide range of leasing products and ancillary leasing products (i.e. insurance products); - offers its products in line with the prevailing market conditions; - provides an effective commercial coverage through a differentiated model for the Shareholder Banks and other Partner Banks. Maximize the operational efficiency by optimizing the various processes. High proficiency in the supervision of the credit risk, obtained by increasing the efficiency of credit processes and maximizing the quality of the leasing provided. Banking channel Operational efficiency Credit quality 3

4 Distribution Channels Our Partners A quality brand for Banks, Suppliers and Vendors Our banking partners are able to offer their customers products of high quality and efficient leasing under a brand already established in the market. In accordance with the marketing strategies of individual banks, Alba Leasing provides full coverage of loans, direct sales, and administrative functions and operation services throughout the country. We provide banks the necessary skills in all phases of the loan contract on evaluation and credit structuring, administration and accounting, legal and fiscal, based on our experience as a serious and reliable partner of important credit institutions. We are aware each bank has its own identity and its particular characteristics depending on its territory and history. By virtue of this, Alba Leasing has a differentiated business model according to the various distribution networks of Shareholder Banks and other Partner Banks. Our sales network is composed of 5 divisions tailored to provide efficient solutions and specifications for each banking partner. A division is devoted to the banks of Banca popolare dell Emilia Romagna Group, two others to the Banco Popolare Group, one to the Banca Popolare di Sondrio, and one to other channels, Vendors and Suppliers. Our business strategy Distribution Channels Predominance of the banking channel. Market Access Differentiation of the business model between Shareholder Banks and other Partner Banks. Shareholder Banks benefit by single bank portfolios and stronger commercial and marketing relationships. Product Range 1) Wide and complete range of products constantly innovated, with a particular focus on equipment leasing; 2) Spread on new originations in line with the market conditions. Production Targets Based on leasing market growth hypotheses. 4

5 Partner Banks Shareholders Banks Banco Popolare Banca popolare dell Emilia Romagna Banca Popolare di Sondrio Banca Popolare del Mezzogiorno Banca della Campania Banca Popolare di Ravenna Cassa di Risparmio di Bra Credito Bergamasco Other Partner Banks Banca Agricola Popolare di Ragusa Banca Carim-Cassa di Risparmio di Rimini Banca Cassa di Risparmio di Savigliano Banca del Fucino Banca del Piemonte Banca del Sud Banca della Provincia di Macerata Banca di Bologna Banca di Treviso Banca Picena Truentina Banca Popolare del Cassinate Banca Popolare del Frusinate Banca Popolare del Lazio Banca Popolare dell Alto Adige Banca Popolare di Bari Banca Popolare di Fondi Banca Popolare di Lajatico Banca Popolare di Marostica Banca Popolare di Puglia e Basilicata Banca Popolare di Sviluppo Banca Popolare Pugliese Banca Popolare Sant Angelo Banca Profilo Banco delle Tre Venezie Cassa di Risparmio di Cento Cassa di Risparmio di Fermo Cassa di Risparmio di Fossano Cassa di Risparmio di Orvieto Cassa di Risparmio di Saluzzo Unipol Banca Suppliers and vendors In addition to the world of banks, Alba Leasing under its own brand offers attractive financial products to major industrial and commercial groups, trade associations and consortiums. There are various ways in which they can benefit from our financing programs through leasingspecific operator agreements or co-branding arrangements. Vendors Below, some of the conventions which have been consolidated over the years: Michelin Gruppo Overmach Corghi Sipav Fidimpresa Marche Fiditurismo Associazione Calzaturifici Riviera del Brenta - Acrib Consorzio Grow-Up 5

6 The business Productive sectors Financial instruments to take market opportunities The current economic climate and increasing competition are driving companies to find, in addition to traditional financial instruments (equity and loans), alternative sources to seize the business opportunities offered by the market. Leasing offers a viable solution to preserve companies liquidity and to adapt to their specific needs; for example, defining the term arrangements for rescheduling the residual value of the asset, reducing the risk obsolescence of the means of production, encouraging innovation within the companies, and stimulating their investment plans. Alba Leasing is able to finance a whole range of useful goods to the companies to improve productivity, increase sales, or innovate equipment and supplies. Leasing products have seen a constant use in all industries increasingly finding application in business investment programs, aimed at acquiring new production offices, vehicles and transport, real estate and office spaces, IT equipment, high technology, and industrial installations. TRANSPORTS HIGH-TECH ENERGY Automotive Commercial vehicles Agricultural machinery Aircraft Watercraft Computer tools Office equipment Electromedical equipment IT Renewable energy equipment and technology: Solar (PV) Wind Power Hydroelectric Biomass INDUSTRY AND SERVICES Production lines Industrial machineries Staging of advanced services (hospitality, banking...) REAL ESTATE Buildings built or to be built Infrastructure Public buildings 6

7 The benefits of being our partners Relations with leading banks Consolidated commercial network with extensive experience in the leasing market and strong relationship with the network of Shareholder and Partner Banks. Efficient cash management In addition to the supply of the goods, Alba Leasing assumes the risk exposure while the company improves its financial statements. Solutions of facilities Alba Leasing shall inform its customers about the solutions facilities offered by public administrations for the business investments. Ancillary services Alba Leasing directly provides insurance cover with simple procedures and reduced costs. Support throughout the entire leasing value chain Alba Leasing offers its customers full coverage of their investment projects directly taking care of the relationship with the supplier of the goods, purchasing, financing and related services for use. Support throughout the entire leasing value chain MANUFACTURER WHOLESALER LEASING COMPANY END-USER 7

8 Products and Services Our leasing products The solution to increase business and innovation Alba Leasing offers a full range of leasing, including equipment, automotive and real estate leasing, and specialized investments such as renewable energy, watercraft, and public and subsidized leasing. EQUIPMENT For the purchase of production assets, plants and equipment for enterprises of all sizes and industries: small and medium-sized enterprises, and professional and individual firms. With Alba Leasing, which has relationships with leading international manufacturers, you can also finance the purchase of goods made to build on the specific needs of customers. Leasing offers business assistance within the scope of the urbanistic plans, law and administrations. NAVAL Naval leasing allows businesses and professionals to acquire watercraft, to be built or finished, for recreational or commercial use. RENEWABLE ENERGY EQUIPMENT AUTOMOTIVE AUTOMOTIVE Automotive leasing is the solution to finance the purchase of cars, commercial vehicles, industrial vehicles, and transportation in general. It caters to businesses, professionals and individuals. Alba Leasing relies on agreements with major manufacturers and distributors. REAL ESTATE Real estate leasing is ideal for full financing of property, built or to be built, for industrial or commercial use. It is addressed to people, companies and artisans. Alba NAVAL PUBLIC REAL ESTATE 8

9 PUBLIC Leasing can also be used by public administrations, local health authorities, and other entities such as universities, fairs and port authorities in order to finance investments in equipment goods, real estate, and transports. RENEWABLE ENERGY Alba Leasing provides companies and individuals the best expertise for the financing of latest generation systems for the production of energy from renewable sources. Photovoltaic The photovoltaic conversion of solar energy is one of the renewable energy sources more widespread both in terms of facilities and in kw production. Alba Leasing provides financial solutions to help you get the most of the benefits from government incentive programs. Wind Environmental protection and sustainable development are concentrated in developing wind energy. Biomass On this high-growth potential technology, Alba Leasing has acquired the necessary know-how to advise you on all fronts. 9

10 Governance and Management Governance Boards Board of Directors Chairman: Luigi Roth Chief Executive Officer: Massimo Mazzega Members: Matteo Bigarelli, Fabio Cereghini, Maurizio Faraoni, Giorgio Pellagatti Board of Statutory Auditors President: Ezio Maria Simonelli Members: Mario Vitali, Vittorio Belviolandi Deputy Members: Nicola Fiameni, Matteo Tiezzi Luigi Roth Chairman Massimo Mazzega Amministratore Delegato Management Business Units Angelo Abelli Market Marketing Operations and Business Development Customer Care Banks and Direct Channel Governance and Control Units Stefano Corti Non-Performing Loans, Legal and Corporate Affairs Non-Performing Loans Legal and Corporate Affairs Fernando Metelli Risk and Compliance Risk Management Credit Monitoring and Outsourcing Compliance 10 Samuele Marconcini (a.i.) Operations Operations Support Equipment and Automotive Operations Real Estate Operations Technical Operations Samuele Marconcini Human Resources and Organization HR Organization Governance Ict Logistics (General Services) Fabio Vendramin Strategic Planning and Management Control Strategic Planning Management Control Roberto Puricelli Credit Credit Delivery Loans Department Credit Management Post- Launch Stefano Rossi Administration and Treasury Administration Treasury Fiscal Giovanni Del Nero Internal Audit Internal Audit

11 Business Network Business Divisions The commercial network is composed of 5 divisions, dealing respectively with Banco Popolare, Banca popolare dell Emilia Romagna, Banca Popolare di Sondrio, Other Partner Banks, and Direct Channel. Fabrizio Pazzaglia Banco Popolare Nord Other Partner Banks Marcello Alessandrelli Banco Popolare Centro-Sud Other Partner Banks Massimo Cortina Banca Popolare di Sondrio Jean Luc Angeli Banca Popolare dell Emilia Romagna Alessandro Bosio Other Channels vendors/suppliers Commercial Network of Partner Banks Shareholder Banks Branches Other Partner Banks Branches 11

12 Facts and Figures Executive Summary Alba Leasing SpA is a leasing company founded at the beginning of The shareholders are the 4 major Italian Banche Popolari (BP Emilia Romagna, Banco Popolare, BP Sondrio, and BP Milano). In December 2012, Alba Leasing had a Tier 1 ratio of 7.50%. The origination channel is through the shareholder networks and ather partner banks spread across Italy (approx. 4,700 branches). Alba Leasing has a unique track record on the Italian leasing market. Alba Leasing s Shareholders Banca popolare dell Emilia Romagna 36,43% 32,79% Banco Popolare Key Financial Data ( /000) 30/06/2013 Assets 4,226,096 Total Capital Ratio 8,84% Operating Revenues 31,994 Shareholders Equity 370,569 Cost of Credit Risk 0.88 Banca Popolare di Sondrio 20,95% 9,83% Banca Popolare di Milano Alba Leasing s Business Divisions BPER GROUP BANCO POPOLARE GROUP (NORTH OF ITALY) MARKET BANCO POPOLARE GROUP (CENTER-SOUTH) BANCA POPOLARE DI SONDRIO DIRECT CHANNEL VENDORS/ SUPPLIERS 12

13 Italian Leasing Market (Assilea Ranking by Origination) Alba Leasing started in January 2010; at the end of the first year of activity achieved 9th place in the ranking of National Leasing Companies (Assilea). Alba Leasing ranking as of December 2012 shows an improvement to 5th place, which was maintained throughout New Business Volumes by Channel In 2013, Alba Leasing provided 812,3 million in new volumes for a total of 8,890 signed contracts, broken down by channel: New Business Volumes by Products In the period , Alba Leasing has originated 3,292 million in new leasing contracts, with the following breakdown: Shareholder Banks M 89% Equipment 2,151 M 65,3% Other Partner Banks 56.6 M 7% Real Estate 802 M 24,4% Other Channels 34.4 M 4% Automotive 271 M 8,2% Total M 100% Other 68 M 2,1% 13

14 This brochure provides information of a general nature. The contents are accurate as of the date of publishing and may have undergone changes in some parts. The document is in no way an offer to sell aimed at signing a contract Alba Leasing Alba Leasing Via Sile, Milano Tel Fax

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