Leasing Yearbook 2011

LZINGPIAC TNYEK LEASING MARKET - FACT SHEET
Financed amount - in M EUR

5 000 4 500 4 000 3 500 3 000 2 500 2 000 1 500 1 000 500 0
865 1 066 1 144 1 011 937 1 158 1 336 532 368 360 427 324 241 254 264 1 121 1 277 1 379 968
Number of contracts
400 000 Q4 Q3 Q2 Q1 350 000 300 000 250 000 200 000 150 000 100 000 50 000 0
88 427 86 051 81 261 99 418 83 580 91 828 61 960
Q4 Q3
1 276
82 960
90 262
87 312
Q2 Q1
85 067
86 524 28495 27214 26407 32863 19842 18921 20359 21677
2 006
2 007
2 008
2 009
2 010
2 006
2 007
2 008
2 009
2 010
Outstanding by segments - in M EUR

10 000 9 000 8 000 7 000 6 000 5 000 4 000 3 000 2 000 1 000 Other Ship-rail IT-Office Equipment Real estate Truck Car
2007 Q2
2007 Q3
2007 Q4
2008 Q1
2008 Q2
2008 Q3
2008 Q4
2009 Q1
2009 Q2
2009 Q3
2009 Q4
2010 Q1
2010 Q2
2010 Q3
Segment's participation
70,0% 60,0% 50,0% 40,0% 30,0% 20,0% 10,0% 0,0% Retail car Fleet Truck Real Estate Equipment IT-Office Ship-rail Other
20 05 20 Q1 05 20 Q3 06 20 Q1 06 20 Q3 07 20 Q1 07 20 Q3 08 20 Q1 08 20 Q3 09 20 Q1 09 20 Q3 10 20 Q1 10 Q 3
2010 Q4
LZINGPIAC TNYEK LEASING MARKET - FACT SHEET
Number of members - HLFA

60 50 40 30
22 25 26 22 29 49 44 37 33 32 32 36 36 33 33 36 37 49 52 54 56
Activity in figures
10 000
49 50 51
50
50
50
50
47
280 320 250
100
15 17 18
60 70 76
250
50
20 10 0
0 0
11
Committee
10
20
17
18
10
200
15
Members
Associated members
2006
2007
2008
2009
Conferences
2010
HLFA member's participation in equipment investments - credit and leasing together

9 000 8 000 7 000 6 000 100,00% 90,00% 80,00% 70,00% 60,00% 50,00%
19,77% 20,92% 25,31% 28,59%
Other equipment investment Financed by HLFA members Participation
M EUR
5 000 4 000 3 000 2 000 1 000 0 2005 2006 2007 2008 2009 2010
40,00%
17,38%
30,00%
12,40%
20,00% 10,00% 0,00%
Annual growth of new leasing volumes per country (2010/2009)
over 10% 5 to 10% 0 to 5% -10 to 0% -20 to -10% Under -20%
Members not reporting & non - members
Participants of conferences
2006 Q3 2006 Q4
2007 Q1 2007 Q2
2007 Q3
2007 Q4 2008 Q1
2008 Q2 2008 Q3
2008 Q4 2009 Q1
2009 Q2 2009 Q3
2009 Q4
2010 Q1 2010 Q2
2010 Q3 2010 Q4
Committee meeting
Volunteers
250
1100
1 000
1300 800 850
54
54
55
55
TARTALOM CONTENT
ELNKI KSZNT
BAWAG LEASING & FLEET KFT. BG MAGYARORSZG LZING ZRT.
30 31 32 33 34 35 36 37 38 39 40
A MAGYAR LZINGSZVETSG EREDMNYEI 2010-BEN 8
BNP PARIBAS LEASE GROUP LZING ZRT. BUDAPEST AUTFINANSZROZSI ZRT. BUDAPEST LZING ZRT.
FTIKRI KSZNT RDEKKPVISELETI MUNKA - EREDMNYEK FOLYAMATBAN LV RDEKKPVISELETI TMK EGYTTMKDS TRSSZERVEZETEKKEL
8 8 8 10
CIB LZING ZRT. DE LAGE LANDEN FINANCE ZRT. DEUTSCHE LEASING HUNGARIA ZRT. ERSTE LEASING GROUP ERSTE GROUP IMMORENT LZING ZRT.
RENDEZVNYEK
10
FHB INGATLANLZING ZRT. GAS-CAR GPJRMKLCSNZ,
SZAKMAI EGYTTMKDS, RENDEZVNYEK
10
AUTPARK-KEZEL S SZOLGLTAT KFT. IKB PNZUGYI LZING ZRT.
41 42
RDEKKPVISELETI TEVKENYSG
10
IMPULS-LEASING HUNGRIA PNZUGYI LZING ZRT. 43 ING PNZUGYI LZING ZRT. / I
KZS INFORMATIKAI FEJLESZTSEK PR TEVKENYSG
10 11
NG BRLET (MAGYARORSZG) ZRT. KDB BANK (MAGYARORSZG) ZRT. K&H LZINGCSOPORT
44 45 46 47 48 49 50 51 52 53
MAGYAR LZINGPIAC 2010
14
KSZPNZ-LZING PNZUGYI ZRT. LEASEPLAN HUNGRIA ZRT.
MAGYAR GAZDASG PNZGYI RENDSZER A LZINGPIAC S SZEGMENSEI GPJRM FINANSZROZS FLOTTA FINANSZROZS TRUCK FINANSZROZS GP-BERENDEZS FINANSZROZS INGATLAN FINANSZROZS
14 15 16 17 19 20 21 22
LOMBARD LZING CSOPORT MERCEDES-BENZ CREDIT ZRT. MERKANTIL BANK ZRT. MERKANTRADE ZRT. MKB-EUROLEASING GROUP
OBER PNZUGYI LZING ZRT. OBER IMMO TRUCK ZRT. 54 OTP LAKSLZING ZRT. PORSCHE LZING S SZOLGLTAT KFT. RAIFFEISEN LZING ZRT. 55 56 57 58 59 60 61 62 63
TAGOK (TBLZAT)
24
RCI LZING S AUTFINANSZROZSI ZRT. SANTANDER CONSUMER FINANCE ZRT.
TAGOK
26
SCANIA FINANCE MAGYARORSZG ZRT. SG ESZKZFINANSZROZS CSOPORT
ALD AUTOMOTIVE MAGYARORSZG KFT.
26
UNICREDIT LEASING HUNGARY ZRT. VFS PNZUGYI SZOLGLTAT KFT.
ARVAL MAGYARORSZG JRMPARKKEZEL KFT. 27 BANCO PRIMUS FIKTELEP MAGYARORSZG BANIF PLUS BANK ZRT. Lzingvknyv 28 29 [2 ]
Leasing Yearbook
TARTALOM CONTENT
PRTOL TAGOK
65
ZSOLT HANCZR ELNKSGI TAG OKLEVELES KZGAZDSZ 87
ADVISESOFT INFORMCITECHNOLGIAI KFT. ARDENTS KFT. AVS HUNGARY KFT. AUTODOT OCIS KFT. BISZ KZPONTI HITELINFORMCIS ZRT.
65 66 67 68 69
NYIKOS KATALIN ELNKSGI TAG OKLEVELES KZGAZDSZ RVSZ TAMS ELNKSGI TAG OKLEVELES GPSZMRNK, KZGAZDSZ TEKSE KLMN ELNKSGI TAG LVAI GBOR A LZINGSZVETSG FTITKRA OKLEVELES KZGAZDSZ 90 88 89 88
CREDITREFORM SZOLGLTAT S TANCSAD KFT. 70 CRIF ZRT. DUN & BRADSTREET HUNGRIA KFT. 71 72
DELOITTE ZLETVITELI S VEZETSI TANCSAD ZRT. 73 ERNST & YOUNG EUROTAXGLASS'S MAGYARORSZG KFT. HAJAS SZAKRTI IRODA LEASING RISK KFT. MONTANA TUDSMENEDZSMENT, RENDSZERINTEGRTOR S SZOFTVERFEJLESZT KFT. NESS HUNGARY KFT. OPTEN INFORMATIKAI KFT. PRICEWATERHOUSECOOPERS KFT. TURI TANCSAD KFT. UNIQA BIZTOST ZRT. 78 79 80 81 82 83 74 75 76 77
BIZOTTSGOK
91
TAGOK PRTOL TAGSG TERLETI BIZOTTSGOK AUT BIZOTTSG ESZKZ BIZOTTSG FLOTTA BIZOTTSG ELLENRZ BIZOTTSG INGATLAN BIZOTTSG JOGI BIZOTTSG OKTATSI BIZOTTSG RISK&FRAUD BIZOTTSG
91 91 91 91 94 95 96 96 98 100 101 102 103
A LZINGSZVETSG MKDSE
85
SZMVITELI BIZOTTSG TRUCK BIZOTTSGOK
SZAKMAI SSZEFOGS RDEKKPVISELETI TEVKENYSG KZGYLS ELNKSG
85 85 85 85
AZ ELNKSG TAGJAI
86
DR. DUNAVLGYI MRIA A LZINGSZVETSG ELNKE, OKLEVELES KZGAZDSZ DOMONKOS ANDRS LZINGSZVETSG ALELNKE OKLEVELES MRNK-KZGAZDSZ FEJES LSZL LZINGSZVETSG ALELNKE OKLEVELES KZGAZDSZ Lzingvknyv 87 [3 ] Leasing Yearbook 86 86
TARTALOM CONTENT
PRESIDENTIAL SALUTATION THE ACHIEVEMENTS OF THE HUNGARIAN LEASING ASSOCIATION IN 2010
AWAG LEASING & FLEET KFT. BG MAGYARORSZG LZING ZRT. BNP PARIBAS LEASE GROUP LZING ZRT.
30 31 32 33 34 35 36 37 38 39 40
BUDAPEST AUTFINANSZROZSI ZRT. BUDAPEST LZING ZRT.
GENERAL SECRETARYS PREFACE LOBBYING ACTIVITY - ACHIEVEMENTS LOBBYING ISSUES UNDERWAY CO-OPERATION WITH FELLOW ORGANISATIONS
8 8 8 10
CIB LZING ZRT. DE LAGE LANDEN FINANCE ZRT. DEUTSCHE LEASING HUNGARIA ZRT. ERSTE LEASING GROUP ERSTE GROUP IMMORENT LZING ZRT.
EVENTS
10
FHB INGATLANLZING ZRT. GAS-CAR GPJRMKLCSNZ,
TRADE CO-OPERATION, EVENTS ORGANIZED
10
AUTPARK-KEZEL S SZOLGLTAT KFT. IKB PNZUGYI LZING ZRT.
41 42
INTEREST REPRESENTATION ACTIVITY
10
IMPULS-LEASING HUNGRIA PNZUGYI LZING ZRT. 43 ING PNZUGYI LZING ZRT. / I
JOINT IT DEVELOPMENT PROGRAMME PR ACTIVITY
10 11
NG BRLET (MAGYARORSZG) ZRT. KDB BANK (MAGYARORSZG) ZRT. K&H LZINGCSOPORT
44 45 46 47 48 49 50 51 52 53
HUNGARIAN LEASING MARKET 2010
14
KSZPNZ-LZING PNZUGYI ZRT. LEASEPLAN HUNGRIA ZRT.
THE HUNGARIAN ECONOMY FINANCIAL SYSTEM THE LEASINGMARKET AND ITS SEGMENTS AUTO FINANCING FLEET FINANCING TRUCK FINANCING MACHINE AND EQUIPMENT FINANCING REAL ESTATE FINANCING
14 15 16 18 19 20 21 22
LOMBARD LZING CSOPORT MERCEDES-BENZ CREDIT ZRT. MERKANTIL BANK ZRT. MERKANTRADE ZRT. MKB-EUROLEASING GROUP
OBER PNZUGYI LZING ZRT. OBER IMMO TRUCK ZRT. 54 OTP LAKSLZING ZRT. PORSCHE LZING S SZOLGLTAT KFT. RAIFFEISEN LZING ZRT. 55 56 57 58 59 60 61 62 63
MEMBERS (CHART)
26
RCI LZING S AUTFINANSZROZSI ZRT. SANTANDER CONSUMER FINANCE ZRT.
MEMBERS
26
SCANIA FINANCE MAGYARORSZG ZRT. SG ESZKZFINANSZROZS CSOPORT
ALD AUTOMOTIVE MAGYARORSZG KFT.
26
UNICREDIT LEASING HUNGARY ZRT. VFS PNZUGYI SZOLGLTAT KFT.
ARVAL MAGYARORSZG JRMPARKKEZEL KFT. 27 BANCO PRIMUS FIKTELEP MAGYARORSZG BANIF PLUS BANK ZRT. 28 29
Lzingvknyv
[4 ]
Leasing Yearbook
TARTALOM CONTENT
ASSOCIATED MEMBERS
65
HANCZR ZSOLT BOARD MEMBER CHARTERED ECONOMIST 87
ADVISESOFT INFORMCITECHNOLGIAI KFT. ARDENTS KFT. AVS HUNGARY KFT. AUTODOT OCIS KFT. BISZ KZPONTI HITELINFORMCIS ZRT.
65 66 67 68 69
KATALIN NYIKOS BOARD MEMBER CHARTERED ECONOMIST TAMS RVSZ BOARD MEMBER MECHANICAL ENGINEER AND ECONOMIST KLMN TEKSE BOARD MEMBER GBOR LVAI GENERAL SECRETARY OF THE LEASING ASSOCIATION CHARTERED ECONOMIST 90 88 89 88
CREDITREFORM SZOLGLTAT S TANCSAD KFT. 70 CRIF ZRT. DUN & BRADSTREET HUNGRIA KFT. 71 72
DELOITTE ZLETVITELI S VEZETSI TANCSAD ZRT. 73 ERNST & YOUNG EUROTAXGLASS'S MAGYARORSZG KFT. HAJAS SZAKRTI IRODA LEASING RISK KFT. MONTANA TUDSMENEDZSMENT, RENDSZERINTEGRTOR S SZOFTVERFEJLESZT KFT. NESS HUNGARY KFT. OPTEN INFORMATIKAI KFT. PRICEWATERHOUSECOOPERS KFT. TURI TANCSAD KFT. UNIQA BIZTOST ZRT. 78 79 80 81 82 83 74 75 76 77
COMMITTEES
91
MEMBERS SUPPORTING MEMBERS COMMITTEES AUTOMOTIVE COMMITTEE EASSET COMMITTEE FLEET COMMITTEE CONTROL COMMITTEE REAL ESTATE COMMITTEE LEGAL COMMITTEE RISK&FRAUD COMMITTEE RISK&FRAUD BIZOTTSG
91 91 91 91 94 95 96 96 98 100 101 102 103
HOWTHE LEASING ASSOCIATIONWORKS
85
ACCOUNTING COMMITTEE TRUCK COMMITTEE
PROFESSIONAL UNITY REPRESENTATION OF INTEREST GENERAL ASSEMBLY EXECUTIVE COUNCIL
85 85 85 85
BOARD MEMBERS
86
DR. MRIA DUNAVLGYI CHAIRMAN OF THE LEASING, CHARTERED ECONOMIST ANDRS DOMONKOS VICE PRESIDENT CHARTERED ENGINEER-ECONOMIST LSZL FEJES VICE PRESIDENT CHARTERED ECONOMIST 87 86 86
Lzingvknyv
[5 ]
Leasing Yearbook
ELNKI KSZNT PRESIDENTIAL SALUTATION
ELNKI KSZNT A 2009-es utn a 2010-es v is a vlsg jegyben, ismt visszaesssel telt. Mind a lakossgi, mind a vllalati gyfelek krben tovbb cskkent a finanszrozsi szolgltatsok irnti igny, ami klnsen rzkenyen rintette a lzingcgeket. A Lzingszvetsg a 2010-es vben is szmos, a szakmai szmra kiemelten fontos tmval foglalkozott. Az egsz vet meghatrozta azonban a pnzintzeti klnad kivetse, amely all a mr msodik ve komoly vesztesget szenved lzingcgek sem kaptak felmentst. Ebben az vben tbb, korbban elfogadott, alapveten a hitelezs biztonsgt s a fogyasztvdelmet ersteni hivatott jogszably lpett hatlyba, sajnos nha olyan sebessggel, ami lehetetlenn tette a megfelel felkszlst. A lzingcgek szmra az egyik legfontosabb j pnzgyi szablyozsi elem a kzvettk tevkenysgre vonatkoz jogszably-halmaz volt, amelynek rtelmezse nha nem csak tagvllalatainknak, hanem a jogalkalmaz hatsgoknak is problmt okozott. A Lzingszvetsg tbb munkacsoportban sokszor a Bankszvetsggel kzsen - folyamatosan foglalkozott ezzel a tmakrrel, szmos llsfoglalst krve, illetve kzs llspontot kialaktva a vits krdsekben. Ebben az vben lpett volna hatlyba az j PTK, amelyben mr nllan szerepelt volna a lzingszerzds, azonban az prilisi kormnyvlts utn hatlyon kvl helyeztk a PTK-t letbe lptet trvnyt. A lzingcgek szmra htrnyosan kerlt megfogalmazsra a vagyonad szablyozs, m az a kormnyvlts utn szintn visszavonsra kerlt. Az v sorn szmos partnerszervezettel dolgoztunk egytt, gy az ORFK gazdasgvdelmi s bngyi terletvel, a Bankszvetsggel, a Pnzgyi Szervezetek llami Felgyeletvel, a gpjrm importrk s gpjrm kereskedk szakmai szervezeteivel is. Lzingvknyv [6 ]
CHAIRMANS PREFACE Just like 2009, the year 2010 was also determined by the crisis, the entire sector had to face an overall decline. The demand for financing services kept on decreasing both in retail and in corporate segment, which hit particularly hard on the leasing companies. Although 2010 gave the Leasing Association a whole lot of high priority, sector-related issues, the most significant topic was the surtax imposed upon the financial institutions, from which the leasing companies that had suffered heavy losses for the second year running did not get exemption. The year of 2010 saw several previously passed laws to promote lending safety and consumer protection enter into force but unfortunately the legislation process was so quick sometimes that we had no time for appropriate preparation. Probably the most important new financial regulatory element for the leasing companies was the set of laws on the intermediaries activity but the interpretation of the resolutions caused serious problems not only for our member companies but also for the executive authorities. By setting up several working groups, the Leasing Association, often in collaboration with the Hungarian Banking Association, continuously dealt with this topic, we often asked for other organizations opinion and always sought to work out a common standpoint in unsettled questions. The new Civil Code including lease contract as a separate entry would have entered into force this year but the law that would have enacted the new Code was annulled after the new government took over in April. The property tax regulation would have caused a number of disadvantages for the leasing companies but it was also repealed after the change of government. During the year we worked together with several partner organizations including the economy
Leasing Yearbook
ELNKI KSZNT PRESIDENTIAL SALUTATION
Elnkknt szmomra a legnagyobb kihvst az jelentette, hogy a gyorsan vltoz, s sokszor nehezen rtelmezhet szablyozi krnyezetben a szakma megrizze az egyttmkds erejbe vetett hitet, s a tagvllalatok a nehz versenykrlmnyek kztt is megtalljk azokat a tmkat, amelyekben rdemes sszefogni.
protection and criminal departments of the National Police Headquarters, the Hungarian Banking Association, the Hungarian Financial Supervisory Authority and the expert organizations of vehicle importers and vehicle dealers. As a chairman, my biggest challenge was to help the sector keep its faith in the strength of working together in this rapidly changing regulatory environment that is sometimes hard to understand, and to find those topics in which the member companies could join hands even in this fiercely competitive market competition.
DR. DUNAVLGYI MRIA

ELNK MAGYAR LZINGSZVETSG
DR. MRIA DUNAVLGYI

CHAIRMAN HUNGARIAN LEASING ASSOCIATION
Lzingvknyv
[7 ]
Leasing Yearbook
A MAGYAR LZINGSZVETSG EREDMNYEI 2010-BEN THE ACHIEVEMENTS OF THE HUNGARIAN LEASING ASSOCIATION IN 2010
FTIKRI KSZNT A Lzingszvetsg s tagvllalatai nehz vet zrtak 2010-ben. A piac visszaesse s az orszg gazdasgi helyzete mellett a rapid, szakmai egyeztetst kizr trvnyalkots, a pnzgyi intzmnyekre gy a lzingcgekre is kirtt klnad s a portflik minsgromlsa hatottak negatvan a lzingpiac szereplire. A krlmnyek tovbb nveltk a folyamatos szakmai egyeztetsek jelentsgt, hiszen sok esetben vagy nagyon gyorsan kellett reaglnunk a trvnyalkotk felvetseire, vagy hzon bell kellett megoldanunk a felmerl problmkat. RDEKKPVISELETI MUNKA - EREDMNYEK Budapesti parkolsi rendelet: Budapesten mdostsra kerlt a parkolsi rendelet annak rdekben, hogy az operatv lzing formjban magnhasznlatra is a vezet rendelkezsre bocstott cgautk esetben egy hromoldal megllapods alapjn a forgalmi engedlyben nem szerepl magnszemly is kaphasson parkolsi engedlyt. rtkveszts elszmolhatsga: a 2009-ben elrt jogszably-vltoztats kapcsn szmos rszletkrdst kellett tisztzni mind hzon bell, mind a jogszably alkotval s a jogszably alkalmaz hatsgokkal. Kzvetti hatsgi vizsga: a hatsgi vizsgasor krdsei kztt javtsra kerltek a lzinggel kapcsolatos pontatlan, esetenknt a lzinget htrnyos sznben feltntet krdsek s vlaszok. MFB trvny mdostsa: a Magyar Fejlesztsi Bankrl szl trvny mdostsval lehetv vlt, hogy a pnzgyi vllalkozsok is kaphassanak kedvez kamatozs direkt refinanszrozst az MFB-tl. SREP tjkoztat: a 2010 jniusban megjelent j SREP tjkoztatban pontostsra kerlt a hasznlt gpjrmvekre vonatkoz hitelfedezeti rtk szmts alapjul szolgl Eurotax rtk defincija. FOLYAMATBAN LV RDEKKPVISELETI TMK Cgaut ad visszavett gpjrmvek esetn: a Lzingszvetsg llsfoglalst krt a visszavett gpjrmvek utn fizetend cgaut adval kapcsolatban azzal a cllal, hogy ezen gpjrmvek utn a visszavtel s az jrartkests idpontja kztti idtartamra ne kelljen cgaut adt fizetni. Lzingvknyv [8 ]
GENERAL SECRETARYS PREFACE The Leasing Association and its member companies closed a very difcult year in 2010. Leasing market players faced plenty of hardships including the market decline, the countrys economic situation, the high speed of legislation that allowed no time for co-ordination talks with the experts of the sector, the surtax levied upon the nancial institutions, therefore also on leasing companies, as well as the deterioration of the portfolio qualities. These circumstances increased the signicance of the continuous expert co-ordination talks as in many cases we had very short time to react on the lawmakers initiations or we had to solve the problems ourselves, without external help.
LOBBYING ACTIVITY - ACHIEVEMENTS Budapest parking order: The municipal authorities amended the parking order of Budapest so that those individuals who are not listed in the registration certicate of the operating lease-nanced company car but have the permission to use the vehicle for private purposes could also receive a parking licence. In such cases the licence may be issued upon the presentation of a trilateral agreement concluded between the relevant parties. Accountability of depreciation: We had to settle a number of details concerning the law amendment imposed in 2009 either within doors or by means of negotiations with the lawmakers or the relevant authorities. Intermediaries examination: We had the inaccurate leasing-related questions and answers of the intermediaries examination papers corrected. Some of these questions and answers cast an unfavourable impression on leasing. Amendment of the Act on MFB: After the Act on MFB (Hungarian Development Bank) was amended, direct renancing loans with low interest rates became available for the nancial enterprises as well. SREP information material: A new SREP information bulletin was issued in June 2010, in which the relevant authorities corrected the denition of Leasing Yearbook
RENDEZVNYEK EVENTS
EU trsfinanszrozott gpberuhzsok: a Lzingszvetsg vek ta dolgozik azon, hogy a lzing a hitellel azonos felttelekkel (futamidkorltozs nlkl, a futamid elejn egysszeg tmogats kifizetssel) legyen hasznlhat az EU trsfinanszrozott gpberuhzsok esetben. ptmnyad: egyes nkormnyzatok eltr mrtk ptmnyadt vetnek ki magnszemlyek s jogi szemlyek esetben. Amennyiben egy magnszemly lzingszerzds keretben vsrol ingatlant, az ptmnyad megllaptsa a tulajdonosra vonatkoz szablyok szerint trtnik, gy ilyenkor a magnszemlynek a jogi szemlyek szmra meghatrozott mrtk ptmnyadt kell fizetnie. Javaslatunk szerint ennek elkerlsre az ptmnyad alanya lzingszerzds esetn a lzingbevev kellene, hogy legyen. Kzvett szablyozs: 2010-ben a PSZF elksztett s szakmai vitra bocstott egy egysges kzvett szablyozsi koncepcit. A Lzingszvetsg szakrti munkacsoportja sszelltott egy javaslatot, amely alapjn mg az egysges koncepci megvalsulsa eltt rendezhetk lennnek az elmlt egy v sorn a hatlyos szablyozssal kapcsolatban kialakult vits krdsek. MFB lzingtermk: szakrti egyeztets zajlik egy MFB lzingtermk kialaktsrl, amelynek segtsgvel alacsony kamatozs, forint alap lzing termk lenne kialakthat a kis s kzepes vllalkozsok beruhzsainak finanszrozsra. Okmnyirodai krdsek: 2010.01.01-tl jelentsen vltozott a gpjrmvek adsvtelvel kapcsolatos okmnyirodai gyintzs, amely szmos problmt okoz a tagvllalatok szmra. A Lzingszvetsg a GMOSZ-szal kzs szakmai javaslatcsomagot lltott ssze, amelyet eljuttattunk a KEKKH illetkes vezetjnek. Pnzintzeti klnad: a pnzgyi vllalkozsokra 2010 sorn kivetett pnzintzeti klnad alapja a nett kamat s djbevtel. A Lzingszvetsg llsfoglals-krssel fordult a Nemzetgazdasgi Minisztriumhoz, mivel a Nemzeti Adhatsg 2010 v vgn gy mdostotta az elektronikus adbevalls kitlt rendszert, hogy mr nem a kamat s djbevtel sszevont egyenlege utn fizetend a klnad, hanem kln a nett kamatbevtel s kln a nett djbevtel utn. Ez a szmtsi md tekintettel arra, hogy a tagvllalatok jelents rsze negatv nett djbevtellel rendelkezik jelentsen nveli az adfizetsi ktelezettsget. Lzingvknyv [9 ]
Eurotax value that serves as the calculation base of the collateral value for second hand cars. LOBBYING ISSUES UNDERWAY Company car tax for repossessed vehicles: The Leasing Association requested the authorities to take sides on the company car tax to be paid after repossessed vehicles as the sector aims to have the tax liability after such vehicles repealed for the period between the repossession and the resale. EU co-nanced investments: The Leasing Association has been lobbying for years so that lease could get the same conditions as credit (no maturity restrictions, lump-sum subsidy payment at the beginning of the maturity) in case of EU co-nanced machine investment tender applications. Building tax: Particular local governments impose building tax of different extents on private individuals and legal entities. In case a private individual purchases a real estate through lease, the building tax is established according to the rules that concern the owner of the real estate, therefore the private individual is liable to pay a building tax of legal entities, which is obviously higher. According to our recommendation, the subject of building tax after leased real estates should be the lessee. Regulation of intermediaries: In 2010 PSZF (Hungarian Financial Supervisory Authority) prepared a uniform concept for intermediary regulation and launched it for professional debate. Leasing Associations expert working group compiled a recommendation that may help solve the unsettled questions arisen concerning the prevailing regulation during the past one year until the uniform concept enters into force. MFB lease product: Expert co-ordination talks are underway on developing a low interest rate, HUFbased MFB lease product to nance the investments of the small and medium-sized enterprises. Issues concerning the Document Ofce: The Document Ofce administration on the purchase transaction of vehicles changed signicantly on 1st January 2010, which has caused several troubles for our member companies. The Leasing Association and GMOSZ (Hungarian Association of Automobile Dealers) compiled a professional recommendation package that we submitted to the relevant executive of KEKKH (Central Ofce for Administrative and Electronic Public Services)
Leasing Yearbook
RENDEZVNYEK EVENTS
EGYTTMKDS TRSSZERVEZETEKKEL A Lzingszvetsg intenzv kapcsolatot pol ms szakmai rdekkpviseleti, illetve kormnyzati, felgyeleti szervezetekkel. Az elmlt hrom v sorn egyttmkdsi megllapodst ktttnk a Bankszvetsggel, Faktoring Szvetsggel, a Magyar Nemzeti Bankkal, az Orszgos Rendr-fkapitnysggal, a PSZF-fel, az ptgp Brlk s Forgalmazk Szvetsgvel, a Szemlyzeti Tancsadk Magyarorszgi Szvetsgvel s a Magyar Outsourcing Szvetsggel is. Aktv kapcsolatban llunk a Magyar Gpjrm-importrk Egyesletvel, a GMOSZ-szal, a PSZF prudencilis s fogyasztvdelmi terletvel, a Gazdasgi Versenyhivatallal, a Nemzetgazdasgi Minisztriummal, s a Magyar Fejlesztsi Bankkal. SZAKMAI EGYTTMKDS, RENDEZVNYEK A Lzingszvetsgnek jelenleg 40 finanszrozssal foglalkoz, s 26 prtol tagja van. A Lzingszvetsg az elmlt hrom vben mintegy 40 rendezvnyt, 10 bizottsg szmra tbb, mint 150 bizottsgi lst, 6 munkacsoport szmra 80 projektlst szervezett, az elnksg ebben az idszakban kzel 40 alkalommal lsezett. A rendezvnyeinken ebben az idszakban tbb, mint 2.000-en vettek rszt. A bizottsgokban s munkacsoportokban mintegy 300 kollga dolgozott egytt, hrom v alatt szakrtink kzel 700 kls trgyalson kpviseltk a szakmt. KZS INFORMATIKAI FEJLESZTSEK LiFeR 2008-ban kezddtt el a kzhiteles nyilvntartsban nem szerepl eszkzk dupliklt finanszrozsnak megelzsre szolgl Lzing Fedezet-nyilvntart Rendszer fejlesztse. Az Advisesoft ltal fejlesztett szoftver 2008 novemberre kszlt el, majd 2009 sorn tbb kiegszt fejlesztst (kszletfinanszrozs, excel interface) hajtottunk vgre. 2010-ben tovbbi szereplk csatlakoztak a kezdemnyezshez, gy ma a LiFeR-t az eszkzfinanszrozsi piac tbb, mint 70%-a hasznlja folyamatosan. Finjobs.eu A Lzingszvetsg tbb szakmai szvetsggel egyttmkdve 2010 vgn elindtotta pnzgyi llsportljt azzal a cllal, hogy segtse a pnzgyi szektorbl elbocstott munkatrsak gyorsabb elhelyezkedst, s nvelje a tagvllalatok s partner szervezetek munkaerhz jutsnak hatkonysgt.
Surtax on nancial institutions: The base of the surtax imposed upon the nancial enterprises is the net interest and fee income. The Leasing Association requested the Ministry for National Economy to take sides on the issue as the National Tax and Customs Administration amended the electronic tax return system at the end of 2010 in a way that the surtax is not payable after the total balance of the net interest and fee income but separately after the net interest income and the net fee income. This calculation method signicantly increases the tax liability as the vast majority of the member companies have negative net fee income. CO-OPERATION WITH FELLOW ORGANIZATIONS The Leasing Association keeps intense relations with other interest representation, governmental and supervisory authorities. In the past three years we have entered into a co-operation agreement with the Hungarian Banking Association, the Hungarian Factoring Association, the Central Bank of Hungary, the National Police Headquarters, the Hungarian Financial Supervisory Authority, the Association of Construction Machine Dealers and Lenders, the Hungarian Association of Personnel Consultants and the Hungarian Outsourcing Association. We have active relations with the Hungarian Vehicle Importers Association, the Hungarian Association of Automobile Dealers, the Prudential and Consumer Protection Departments of the Hungarian Financial Supervisory Authority, the Hungarian Competition Authority, the Ministry of National Economy and the Hungarian Development Bank. TRADE CO-OPERATION, EVENTS ORGANIZED Currently the Leasing Association has 40 regular and 26 supporting members. In the past three years the Leasing Association has organized nearly 40 events, over 150 committee meetings for 10 committees, 80 project meetings for 6 working groups, while the board has kept nearly 40 sittings during this period. Our events has been attended by over 2.000 participants during this time. Nearly 300 colleagues worked together in the committees and working groups, while our experts have represented the sector at nearly 700 external meetings in the past three years. JOINT IT DEVELOPMENT PROGRAMME LiFeR project The project to develop LiFeR Leasing Collateral
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Leasing Yearbook
RDEKKPVISELETI TEVKENYSG INTEREST REPRESENTATION ACTIVITY
PR TEVKENYSG A Szvetsg 2008-tl kls szakrtt, a Goodwill Communications PR gynksget vonta be a sajtkapcsolatok professzionlis kezelshez. Ennek eredmnyeknt teljesen talakult a Lzingszvetsg kls megtlse. 2007-ben sszesen kevesebb, mint 80 megjelense volt a Lzingszvetsgnek, amelyek jellemzen a negyedves lzingpiaci adatokrl szltak. 2008 ta a Lzingszvetsgnek vi 600 megjelense van, ezek kztt egyre n az interjkon alapul, mlyebb, feldolgoz jelleg sajtcikkek szma. A Szvetsg vezeti vlemnyvezrknt jelennek meg a mdiban, a szakmt rint krdsekben minden esetben kikrik a vlemnynket. Az ltalunk eljuttatni kvnt zenetek kivtel nlkl jelents sajtvisszhangot kapnak, egy-egy kiadott nyilatkozatunk a legtbb meghatroz gazdasgi s kzleti, on-line, print s elektronikus mdiumban megjelenik.
Database System, which aims to prevent the double nancing of the assets not registered in certied public records began in 2008. The software developer Advisesoft announced that the product was ready in November 2008 then a number of complementary developments (stock nancing, excel interface) were implemented during the year 2009. Further market players joined the initiation in 2010 so now we can establish that over 70% of the asset nancing market participants use LiFeR continuously. FinJobs.eu Along with a number of other trade associations, the Leasing Association launched its nancial job portal in order to help those who lost their jobs in the nancial sector to nd a new job as quickly as possible and to increase the efciency of its member companies and partner organizations to recruit their new staff. PR ACTIVITY Since 2008 the Leasing Association has been employing an expert PR agency, Goodwill Communications Kft. to manage press relations professionally. As a consequence, the image of the Association has been changed entirely. In 2007 the Leasing Association had less than 80 press releases, most of them being mere quarterly leasing market data. Since 2008 the Association has had 600 press releases annually, including a rising number of interview-based more elaborate, analytical type of articles. The leaders of the Association appear in the media as opinion leaders, their standpoints are asked in all the sector-related issues. The messages we want to get through always receive considerable press coverage and our publications are regularly released in the signicant economic and general online, printed and electronic media. Gbor Lvai
General Secretary Hungarian Leasing Association
Lvai Gbor
Ftitkr Magyar Lzingszvetsg
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Leasing Yearbook
MAGYAR LZINGPIAC 2010 HUNGARIAN LEASING MARKET 2010
MAGYAR GAZDASG THE HUNGARIAN ECONOMY 2010-ben els felben a vlsg tovbb folytatIn the rst half of 2010 Hungary kept on suffering dott Magyarorszgon. Br az els flvben s az under the strains of the economic crisis. Although v egszben a nvekedsi tem pozitv rtket the growth rate showed a positive trend both in the mutatott, ennek ellenre a munkanlklisgi rta rst half and all through the entire year, the unems a vllalati csdrta emelked tendencit mutatployment rate and the corporate bankruptcy rate tak, ahogy az orszg kockzati megtlse is romwere rising and the country risk ratings declined. lott. Utbbi elsdlegesen a magas llamadssg s The latter was mainly caused by the high state debt az azt cskkenteni and the uncertainty szndkoz intzkeof the government dsek bizonytalansmeasures aiming to 8,0% ga miatt romlott, ami reduce it, which re6,0% ahhoz vezetett, hogy sulted in the fact that az v folyamn tbb during the year sever4,0% nemzetkzi hitelmial international credit 2,0% nst is leminstette rating agencies down0,0% Magyarorszgot s graded Hungary and tovbbi leminstst -2,0% envisaged further helyeztek kiltsba. cuts. In the middle of Az v kzepn azon- -4,0% the year, however, the ban ksznheten -6,0% awakening internaa beindul klfldi, tional, especially the -8,0% elssorban nmet German economic rekonjunktrnak a covery made the exGDP (last year, same quarter) magyar gazdasg export branches of Hunportra termel gagarian economy start zatai nvekedsnek to grow. Initially it indultak. Els lps- 350,0 was the volume of or14,0% ben a feldolgoz ga- 300,0 ders for the process12,0% zatok megrendels-l- 250,0 ing sectors that start10,0% lomnya nvekedett. 200,0 ed to grow. The vol8,0% Az j exportmegren- 150,0 ume of new export 6,0% delsek llomnya 100,0 orders grew by 15% 4,0% 15%-kal ntt 2009-hez 50,0 compared to 2009, 2,0% kpest, mg az ipari while the industrial 0,0 0,0% exporttermels export production 16,4%-kal emelkedett, saw a 16.4% rise but de a belfldre termethe production for ls 3%-kal cskkent. the domestic market Euro/HUF CPI Uneployment rate Kvetkez lpsben fell by 3%. ezen vllalatok rrvnyest kpessge ersdtt, majd az v utols As next step, the price enforcement abilities of these hnapjaiban rezheten javult a fizet- s hitelkcompanies became stronger and towards the end of pessgk, valamint beruhzsi hajlandsguk s the year their solvency and creditworthiness rose profitkiltsaik is. A harmadik negyedvtl kezdand it stimulated their willingness to invest and their den bekapcsoldott a kilbals folyamatba a prot prospects. As of Q3 the recovery process was szlltmnyozsi szektor, illetve azon gazatok, joined by the forwarding industry and those branchamelyek kzvetlen kapcsolatban vannak az exportes that were directly connected with the export secgazattal. 2010-ben ezek az gazatok mg nem tor. In 2010 these sectors did not necessarily experifelttlenl tapasztaltak jvedelmezsgjavulst, ence a better protability but the leasing companies de a lzingcgek mr rezhettk beruhzsi hajfelt the positive change in their investment attitude. landsguk ersdst. On the other hand the domestic demand showed a Ezzel szemben a bels kereslet 2010-ben vgig negative tendency all through 2010. The only imcskken tendencit mutatott. Itt a javuls a provement we could observe was that the decline visszaess mrskldsben rhet tetten. A bels slowed down. The further decline of the consumpkeresleten bell a fogyaszts tovbbi cskkense a tion within the domestic demand was caused by the cskken reljvedelmek s a 11%-ot meghalad falling real incomes and the over 11% unemploymunkanlklisg miatt kvetkezett be. Br az v ment rate although the growth restriction effect of
2009M04 2009M07 2009M10 2010M01 2010M04 2010M07 2010M10 2007M04 2007M07 2007M10 2008M01 2008M04 2008M07 2008M10
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2009M01
2011M01
20 00 20 Q1 00 20 Q4 01 Q 20 3 02 20 Q2 03 20 Q1 03 Q 20 4 04 20 Q3 05 Q 20 2 06 20 Q1 06 20 Q4 07 Q 20 3 08 20 Q2 09 20 Q1 09 Q 20 4 10 Q 3
Leasing Yearbook
utols hnapjaiban a bels kereslet, klnsen a fogyaszts nvekedst korltoz hatsa egyre kevsb rvnyeslt. A beruhzsok cskkense a szigor hitelezsi felttelek, a magas vllalati csdrtk, roml jvedelmi s profit kiltsok, illetve a magas kzptv bizonytalansg miatt kvetkezett be. Az llami szfra kereslete pedig a kltsgvetsi hiny cskkentse miatt mrskldtt. Kedvez jelensg volt ugyanakkor 2010-ben, hogy az v tlagban exporttbblet keletkezett, gy a nett devizapozci javult, ami hozzjrult az orszg strukturlis stabilitsnak a nvekedshez. PNZGYI RENDSZER 2010 els flvben folytatdtak azok a tendencik, amelyek Magyarorszg roml kockzati megtlshez vezettek. Ezek kz tartozik a magas llamadssg, s az a tny, hogy a magyar kormny nem rendelkezett olyan, a kzgazdasgi logika talajn ll, kvetkezetesen vgigvihet programmal, amely kzptvon kpes lenne cskkenteni az llamadssgot gy, hogy kzben nem veti vissza szlssgesen a nvekedsi kiltsokat. A fentiek kvetkeztben az v els felben az llamktvny-kibocstsok viszonylag alacsony kereslet mellett valsultak meg s a CDS-felrak is relatve magas szinten stabilizldtak. Ugyanakkor a nemzetkzi befekteti hangulat pozitvnak mutatkozott s egyrtelm jelek ltszottak fleg Nmetorszgban az eurpai konjunktra kibontakozsra. A pozitv nemzetkzi hangulathoz nagymrtkben hozzjrult, hogy az eurzna tagok megllapodtak egy krzisalap ltrehozsban, amely nagymrtkben nvelte a rendszerstabilitst s cskkentette az egyes orszgok bedlsnek kockzatt. Ez, s a magyar bankrendszer stabilitsnak nvekedse (ksznheten a bankoknak juttatott tkeinjekciknak, a tkeemelseknek, valamint a felelssgteljesebb hitelezsi politiknak) az MNB folytathatta kamatcskkentsi peridust. Az alapkamat 2010 kzepre 5,25%-ra mrskldtt. Az v msodik felben nem vltozott lnyegesen az orszg kockzati megtlse, amely elssorban a befektetknek a kormny gazdasgi programjval kapcsolatos kivr magatartsnak ksznhet. A hazai bankrendszer stabilitsa 2010-ben br sszessgben javult, ennek ellenre szmos, aggaszt kockzati tnyez kerlt eltrbe. Egyfell a bankad (visszamenleges) bevezetse nagymrtkben rontotta a szablyozi krnyezet megbzhatsgt s termszetesen rontotta a bankok tkehelyzett s jvedelmezsgt. Tovbbi problmt jelentett, hogy a bankad ltezsnek idtartama a mai napig krdses s nem eldnttt, ami elssorban a klfldi bankok hazai lenybankjainak a kzptv magyarorszgi tevkenysgre van kros hatssal. Ezen fell folyamatosan romlott a bankok s lzingcgek portfli-minsge. Az exportszektorok Lzingvknyv [ 13 ]
the domestic demand and the consumption in particular, was getting less and less dominant in the last few months of the year. The reason for the decreasing volume of the investments included the strict lending conditions, the high corporate bankruptcy rates, the deteriorating income and prot prospects as well as the high mid-term uncertainty. As for the public sector, its demand declined due to the budget decit cut measures. 2010 brought an annual export surplus thus the net FX position improved, which contributed to the greater structural stability of the country. FINANCIAL SYSTEM The tendencies that led to Hungarys declining risk rating also continued to prevail in the rst half of 2010. These trends included the high state debt and the fact that the Hungarian government did not have an economically logical, consistently feasible programme that could reduce the state debt in the medium term in such a way that in the meantime it does not set back the growth prospects extremely. As a consequence, the demand for the government bonds remained relatively low while the CDS spreads settled relatively high. At the same time, though, the international investor sentiment appeared positive and clear signs could be felt, particularly in Germany, that the European recovery is underway. The positive international sentiment was considerably enhanced by the fact that the Euro zone member states agreed to set up a crisis fund that increased the stability of the system and reduced the default risk of endangered countries. The establishment of this fund and the rising stability of the Hungarian banking system (due to capital injections for banks, capital increasing measures and a more responsible lending policy) enabled MNB (Hungarian National Bank) to keep pursuing its interest rate cutting policy. By mid2010 the base rate fell to 5.25%. In the second half of the year there was no signicant change in the countrys risk rating, which was principally owing to the fact that the investors showed a go-slow policy in connection with the governments economic programme. Although in 2010 the overall stability of the Hungarian banking system improved, we still saw several worrying risk factors come into the limelight. The (retroactive) introduction of bank tax substantially spoiled the reliability of the regulatory environment and also damaged the capital position and the protability of the banks. The fact that the existence period of the bank tax is still pending and undecided causes further problems. Particular damage was suffered by the medium-term activity of the Hungarian subsdiaries of foreign banks. Apart from all this, the portfolio quality of banks and leasing companies kept on deteriorationg. Despite the improving position of export sectors, the overall protability of the corporate sector declined, which increased the proportion of non-paying and late-paying customers within the portfolio. The proportion of 30 and 90 day late payments were continuously rising even in the last quarter of 2010. The proportion of late payments Leasing Yearbook
javul helyzete ellenre ltalnossgban romlott a vllalatok jvedelmezsge, amely a portflin bell nvelte a nem, vagy ksve fizetk arnyt. Mg 2010 utols negyedvben is folyamatosan emelkedett a 30, illetve 90 napon tli ksedelmek arnya. Az tstrukturlt hiteleken bell a fizetsi ksedelmek arnya elrte a 20%-ot. A lakossgi szegmensben az arnyok mg rosszabbul alakultak, ami fknt az v folyamn folyamatosan ersd svjci franknak volt ksznhet. A jelzloghitel-llomnyon bell az tstrukturlsok arnya 10% fl kszott, ezen bell a fizetsi ksedelmek arnya az 50%-os arnyt kzelti. A bankok ezrt tovbb szigortottk a hitelezsi felttelek r s nemr-jelleg tnyezit. Ezen bell a jelzloghitelesek megsegtsre a bankok, a Bankszvetsg s a kormny kzsen dolgozik egy olyan intzkeds megalkotsn, amely nem engedi bedlni ezt a nagyszm adst, de a bankokat sem hozza lehetetlen pnzgyi s finanszrozsi helyzetbe. A portfli kockzatossga miatt a hitelkamatok fleg az v msodik felben emelkedtek. Ebben szerepe volt a msodik flvben kezdd jegybanki alapkamat-emelsi ciklusnak is. A hitelkamatok emelkedse s a hitelezsi felttelek szigorodsa, illetve egyes szegmensekben magas szinten val stagnlsa akadlyt kpezi a kibontakoz konjunktrnak. Ugyanakkor a bankok a jelenlegi helyzetben nem engedhetik meg maguknak a portfli kockzatossgnak nvekedst. Ebbl fakadan a bankrendszer prociklikussga a konjunkturlis szakaszban a korbbiaknak jelentsebben rvnyesl. Tovbb a fenti folyamatoknak ksznheten a bankrendszer jvedelmezsge 2010-ben folyamatosan romlott, br pnzgyi helyzete, stabilitsa tovbbra is kielgt. A LZINGPIAC S SZEGMENSEI A teljes lzingpiacon 2010-ben a kihelyezsek nagysga elrte a 303,2 Mrd Ft-ot, amely 80.800 db szerzdst jelent. Finanszrozott sszeg szerint ez 35%os visszaesst jelent 2009-hez kpest. A visszaess mrtke jelentsen kisebb volt, mint egy vvel korbban s a mgttes okok is eltrek. Mg 2009L Leasing market - financed amoung (M HUF)
within the restructured loans amounted to 20%. As for the retail sector, the ratio proved even worse mainly due to the Swiss Franc that was continuously appreciating all through the year. The proportion of restructured loans in the mortgage portfolio exceeded 10%, with the late payments approaching 50% in the same portfolio. As a consequence, the banks made the price and non-price factors of their lending conditions even stricter. To help out the mortgage loan debtors, the banks, the Banking Association and the government have joined hands to frame such a measure that would not allow a large number of debtors to default but at the same time would not get the banks into an impossible nancial and lending situation. In the second half of the year the credit interests started to rise mainly due to the risky portfolio and the central banks higher base rate cycle that had just begun. The unfolding recovery faced plenty of obstacles such as rising credit interests, stricter lending conditions or their stationary severity within particular segments. Under these circumstances the banks, however, could not afford raising the risk factor of their portfolios. As a consequence, the procyclicality of the banking system during the current economic situation proved to be more dominant than before. Owing to these processes, the protability of the banking system was steadily deteriorating in 2010 though its nancial condition and stability were still satisfactory. THE LEASING MARKET AND ITS SEGMENTS Considering the entire leasing market, the volume of new nance in 2010 amounted to HUF 303.2 billion, which covers a total of 80,800 contracts. The volume of nanced amount shows a 35% decline compared to 2009. The degree of the decline was signicantly smaller than one year before and the reasons also differ. While in 2009 could be characterized by the atmosphere of panic, the desperate accomodation and the postponement of investments to extreme lengths, in 2010 we saw a few signs of preparation to recovery in several sectors, mainly in the last third of the year. It was indicated by the fact that the proportion of new assets within the new portfolio rose in some segments although the amount of downpayment and the nancing conditions did not relax compared to 2009. At this time there were not clear signs for the imminent recovery in other segments including the retail vehicle, the construction machine and equipment and the real estate sectors. The intensity of deLeasing market - number of contracts L
400 000
1400 000 1200 000 1000 000 800 000 600 000 400 000 200 000 0
256 248 349 380 282 874 320 183 333 134 256 364
Q4 Q3 Q2 Q1
350 000 300 000 250 000 200 000 150 000
83 580 82 960
91 828
61 960 87 312
Q4 Q3 Q2 Q1
90 262
285 069
284 722
316 747
144 345 99 589 98 727 125 425 90 444 69 756 72 686 70 380
99 418
85 067
86 524 81 261
100 000 50 000 0

88 427 86 051
229 731
264 294
296 797
28 495 27 214 26 407 32 863
19 842 18 921 20 359 21 677
2006
2007
2008
2009
2010
2006
2007
2008
2009
2010
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Leasing Yearbook
Participants of the Leasing Market 2010

Axon 2% B BNP 2% Mercedes 2% Bawag banco Primus 2% 2% Arval 1% Egyb 3%
SGEF 2% Oberlzing 2% VFS 3% Merkantil 3% Leaseplan 3% Porsche 3% DLH 3% K&H 4% De Lagelanden 4%
CIB 13%
Lombard 11%
Unicredit 9% Erste 4% MKB 6%
IKB 4%
ING 4%
Budapest Csoport 6%
ben inkbb a pnikszer hangulat s ktsgbeesett alkalmazkods, valamint a beruhzsok vgletekig trtn elodzsa volt a jellemz, addig 2010-ben tbb szegmensben mr a konjunktrra val felkszls jelei mutatkoztak meg, fleg az v utols harmadban. Ezt jelzi, hogy egyes szegmensekben emelkedett az j eszkzk rszesedse a kihelyezseken bell, annak ellenre, hogy az nrszek s a kihelyezsi felttelek nem enyhltek 2009-hez kpest. Ms szegmensekben fleg a retail gpjrm, ptipari gpek s berendezsek, illetve ingatlan szegmens egyelre nem rezhetek egyrtelm jelek arra vonatkozan, hogy a kilbals megkezddtt volna. Ezekben a szegmensekben tovbbra is alacsony s bizonytalan a kereslet intenzitsa, de a bankok kihelyezsi hajlandsga is, ksznheten a lakossgi s vllalati hitelkpessg hinynak s kockzatossgnak. GPJRM FINANSZROZS A retail gpjrm finanszrozs terletn a finanszrozott sszeg 2009-ben 208 Mrd Ft volt, ami 70,2%-os visszaesst jelent 2008-hoz kpest. Ez a visszaess 103.945 db szerzdst jelentett. A tkekintlevsg 19,6%-kal cskkent 2008-hoz kpest. A nem-banki htter lzingcgek s finanszroz trsasgok trvesztse miatt az v sorn folyamatosan emelkedett a szegmensben a piaci koncentrci. A szegmensben megemelkedett a visszavett eszkzk llomnya, amely tbbletknlatot eredmnyezett a gpjrmvek msodlagos piacn, ami az egybknt is cskken kereslet miatt a gpjrm rakat tovbb cskkentette. Az gy bekvetkez rcskkens a keresleti oldal roml jvedelmi helyLzingvknyv [ 15 ]
mand in these segments is still low and uncertain as is the banks willingness to make new deals mainly due to the lack of creditworthiness and risky attitude of the retail and corporate clients. In 2010 the entire portfolio of the leasing market materialized at HUF 2,152 billion, which is a 0.3% higher value than in 2009. The decline of the portfolio did not follow the tendency of the financed amount and the reason is twofold. On the one hand the appreciation of the Swiss Franc raised the HUF value of the portfolio and on the other hand all the segments within the portfolio had a higher proportion of not only the restructured contracts but also the number of nonpaying or late-paying customers within them, which reduced the turnover rate and cleaning speed of the portfolio resulting in its HUF value stagnation. As far as the demand is concerned, the leasing market can be characterized by two different features, just as the analysts speak about a recent two-speed macro economic growth. On the one hand the deteriorating profitability of the companies within the export sector stopped relatively early and they already showed an improving tendency in late 2010, so the demand in this segment was already higher and the leasing companies expect a further improvement. Its effects could be felt in the fleet financing, the IT and agricultural machine and equipment as well as the truck segments. The bank tax severely hit not only the banks themselves but also the leasing companies that were already suffering from serious profitability problems. When the bank tax was introduced several leasing companies began to consider withdrawing from the market or limiting their activities substantionally.
Leasing Yearbook
Car finance - financed amung (M HUF)

C
Car finance - number of contracts

C
700 000 600 000 500 000 400 000 300 000 200 000 100 000 0
155 440 165 962 163 178 146 962 177 116 169 934 177 474 127 223 174 529
350 000 300 000

Q4 Q3 Q2
171 177 170 278 50 257 42 428 53 179 62 781 43 555 30 530 37 664 38 532
73 583 74 153 90 245
77 228 81 279 77 514 78 365
250 000 200 000 150 000 100 000 50 000 0

80 668
54 179 78 439 76 463 71 035
Q4 Q3 Q2
24 230 24 357 26 091 29 439
174 800
Q1
Q1
17 098 15 859 17 733 19 667
2006
2007
2008
2009
2010
2006
2007
2008
2009
2010
zetvel prhuzamosan a kihelyezsben a hasznlt eszkzk finanszrozsnak relatv nvekedst eredmnyezte, gy a hasznlt eszkzk kihelyezse csupn 60%-kal esett vissza, szemben az j gpjrmvek 80%-os visszaessvel. A szegmensben a vlsg nem egyformn rintette a finanszrozsi formkat. Az v sorn jellemz volt, hogy a hitel rszesedse lassan cskkent, s ennek helyt a pnzgyi lzing vette t.
AUTO FINANCING In the field of retail auto financing the total financing in 2009 amounted to 208 bn HUF that means a 70.2% decline compared to the results of 2008. Our members concluded 103,945 contracts, while the exposure declined by 19.6% compared to 2008. Due to the ground loss of the leasing companies with non-banking background and the financing companies the market concentration of the segment constantly rose throughout the year. This segment saw an increased volume of repossessed assets, which resulted in an excess supply in the secondary market of the automobiles. This phenomenon initiated a further drop in the prices that were already low as the demand was way behind the average. This price drop, along with the deteriorating income conditions of the demand side, resulted in a relative rise of the used asset financing, so the used asset transfer fell only by 60% while this figure in the case of new vehicles amounted to 80%. In this sector the crisis did not affect the financing forms. Throughout the year the proportion of credit tended to fall slowly, taken over by the financial lease.
Retail car finance - market shares

Arval 3% K&H 2% Bawag Banif Plus 2% 1% ALD 1% Other 2% Lombard 16%
Mercedes 3% Banco Primus 4% Unicredit 5% Erste 5% Merkantil 6% Leaseplan 6%
CIB 15%
Porsche 7%
Budapest Csoport 9%
MKB 13%
Lzingvknyv
[ 16 ]
Leasing Yearbook
FLOTTA FINANSZROZS 2010-ben ebben a szegmensben a finanszrozott sszeg 38,8 Mrd Ft volt, ami 9.477 db szerzdsben testeslt meg. 2009-hez kpest a szegmensben 10%-os nvekeds volt tapasztalhat. Az j gpjrmvek arnya a vlsgot megelz szintre, 95% fl emelkedett. Tovbb a portfli ebben a szegmensben bizonyult a legkevsb kockzatosnak. A portfli mrete 1,8%-kal emelkedett 2009-hez kpest. A szegmensben jelentsen cskkent a hitel rszesedse, mivel a lzingcgek a nagyobb kockzat miatt marknsan emeltk az nrsz kvetelmnyeket ennl a finanszrozsi formnl. A pnzgyi lzing rszesedse tartsan s jelentsen emelkedni tudott 2009-hez kpest. Ugyanakkor a finanszrozsi for-
FLEET FINANCING In 2010 this segment was financed in the amount of HUF 38.8 billion while the number of contracts was 9,477. The segment boasted a 10% growth compared to 2009. The proportion of new vehicles rose to the pre-crisis level, over 95%. The portfolio proved to be the least risky of all the segments, its size grew by 1.8% compared to 2009. The segment had a significantly lower credit share since the leasing companies raised their downpayment requirements to a considerable extent due to higher risk exposure. The share of financial lease could rise steadily and substantionally compared to 2009. The replacement we could observe in the forms of financing, however, does not arise from the
Fleet finance - market shares

L Lombard 3%
ALD 4% Erste 4% Bawag 5% K&H 7%
Unicredit 4%
Budapest Csoport 3%
Oberlzing 0% Leaseplan 25%
MKB 15% Porsche 11% mkban tapasztalt helyetstricter downpayment regulaFleet finance - financed amount (M HUF) tions only. In 2009 it was preF tests nem csak az nrszeknek ksznhet. Mg dominantly the high average 2009-ben is jellemzen a 100% price contracts that were con17758 11402 14919 nagyobb tlagru szerz- 80% cluded in the form of financial dsek kttettek pnzgyi lease. On the other hand, ow17917 4888 5967 lzing formjban. Viszont 60% ing to the lower corporate 7629 az alacsonyabb vllalati profitability, an average price 19907 40% 11180 jvedelmezsg miatt az fall was typical of the whole 12339 egsz szegmensben ta- 20% segment but the most heavily 16886 7447 pasztalhat volt az tlagr affected area was financial cskkense. Ez legjobban 0% lease where the average price 2008 2009 2010 a pnzgyi lzinget rinis almost equal with the averQ1 Q2 Q3 Q4 tette. Itt az tlagr mr age price of credit contracts. If majdnem a hitelben kttt szerzdsek tlagrn this is added to the lower downpayment requirevan. Ezt prostva a pnzgyi lzing alacsonyabb nments of the financial lease constructions, we can rszvel, egyrtelm, hogy az utbbi rszesedse see that the rising share of the financial lease within Q emelkedett a kihelyezseken bell. the new business portfolio was obvious. CIB 10%
Lzingvknyv [ 17 ] Leasing Yearbook
Arval 9%
TRUCK FINANSZROZS 2010-ben ebben a szegmensben a finanszrozott sszeg 58,1 Mrd Ft volt, a kihelyezett szerzdsek szma pedig 5.024 db. 2009-hez kpest a visszaess 24%-os volt, de szerzdsszm szerint csak 5%-os. Ebbl jl lthat, hogy a szegmensben jelentsen cskkent az tlagr. A buszok esetben ez az j eszkzk kihelyezsnek a nagymrtk cskkense miatt van, a truck esetben ez az rvels csak 2010 kzepig rvnyes. Azt kveten az j eszkzk arnya emelkedett a kihelyezseken bell. A portfli mrete egy v alatt 51%-kal emelkedett. Ebben szerepet jtszik a forint gyenglse, valamint a portfli forgsi sebessgnek lassulsa az alacsony vllalati jvedelmezsg miatt, ugyanakT Truck finance - financed amoung (M HUF)
TRUCK FINANCING In 2010 the segment was financed in the amount of HUF 58.1 billion while the number of new contracts amounted to 5,024. The financed amount index shows a 24% decline compared to the previous year but if we regard the number of contracts, we see that the decline runs to 5% only. This index clearly shows that this segment suffered a significant average price fall. In case of bus financing this phenomenon was caused by the massive decline of new asset financing but as far as the truck sector is concerned, the same argument stood the test only until the middle of 2010. Thereafter, the proportion of new assets was rising within the new business portfolio.
200 000
32772
Truck finance - number of contracts T

Q4 Q3 Q2
21386 15730 22522 16397
18 000
150 000 100 000 50 000 0
49099 35296 41543 35684 34081 45310 40024 36368 50879 58229
16 000 14 000 12 000 10 000 8 000 6 000 4 000 2 000 0
4391 2831 3351 4236
4622
3816 4242 3312 4216
2856 3586 3505 4010
Q4 Q3 Q2 Q1
3982 3935 3651
Q1
16921 17858 12040 11325
43463
1563 1108 1341 1270
1575 1317 1135 997
2006
2007
2008
2009
2010
2005
2006
2007
2008
2009
2010
kor az is, hogy ez a szegmens jval kisebb mrtkben esett vissza a tbbi szegmenshez viszonytva. 2010 harmadik negyedvben mr a kihelyezsekben nvekeds volt tapasztalhat.
Within one year the size of portfolio grew by 51%. The reason for this includes the weakening forint, the slowdown of portfolio turnover rate caused by low corporate profitability, and the fact that it re-
Truck finance - market shares
Unicredit 4% Budapest Csoport 5% SGEF 5% Oberlzing 5% A Axon 6%
Mercedes 3%
Bawag 1%
Other 1%
ING 17%
VFS 14%
Lombard 6% K&H 7%
Lzingvknyv
CIB 12%
[ 18 ]
De Lagelanden 14%
Leasing Yearbook
A szegmensben nem vltozott a pnzgyi lzing rszesedse a kihelyezseken bell, de a hitel 2009-ben megvalsult 3,3%-os rszesedse gyakorlatilag eltnt 2010-re. Az v sorn cskkent az j kihelyezsek rszarnya, ami a gpjrm szegmenshez nagyon hasonl folyamatokat indtott el a msodlagos piacon. A szegmensen bell 2009 utols negyedvre 6,8%-ra emelkedett az operatv lzing, a pnzgyi lzing rszesedse vltozatlan maradt.
ceded to a much smaller extent than any other segment. In Q3 2010 a rising number of new deals was recorded. The share of financial lease did not change within the new finance portfolio but the 3.3% share of credit within the new finance portfolio in 2009 became virtually non-existent one year later.
MACHINE AND EQUIPMENT FINANCING In 2010 the machine and equipment segment was GP-BERENDEZS FINANSZROZS financed in the amount of HUF 69.7 billion, while A gpek s berendezsek szegmensben 2010-ben a the number of contracts amounted to 4,810. Refinanszrozott sszeg 69,7 Mrd Ft volt, a szerzdgarding the financed amount only, the degree of sek szma pedig 4.810 db. A teljes szegmensben fidecline within the entire segment was 42%. With nanszrozott sszeg szerint a visszaess mrtke 42% its almost 70% drop, the most severely hit sector volt. A legjobban a mezgazdasgi szegmens esett was the agriculture, which is due to the expiry of vissza, kzel 70%-kal, ami a mezgazdasgi plythe 2009 agricultural tenders and the produce loss zatok 2009-es kifutsa mellett a rossz idjrs miatti as the weather conditions were unfavourable that termsvesztesggel is magyarzhat. Az ptipari year. The number of new deals in the construction gpek kihelyezse 27,5%-kal esett vissza, ami az inmachine segment declined by 27.5%, which was gatlanpiac alacsony aktivitsnak, alulrazottsgcaused by the low activity and low prices of the renak s az j laksok nehezen al estate market, the diffirtkesthetsgnek, valaculty in selling newly built Equipment finance - financed amoung (M HUF) E mint az ptipari vllalatok properties and the particuklnlegesen rossz jvedel- 180 000 larly bad profitability conmezsgi helyzetnek k- 160 000 dition of the constructing 45 528 44 018 sznhet. Az IT szegmensben 140 000 Q4 firms. The degree of dea visszaess mrtke csupn 120 000 Q3 cline in the IT segment 43 157 38 646 Q 48 000 3% volt s ez az egyetlen al- 100 000 52 353 Q2 amounted to merely 3% 30 062 szegmens, ahol az v vgn 80 000 and it was the only subsegQ1 47 465 24 862 26 838 mr egyrtelm konjunktu- 60 000 ment where recovery could 35 107 33 742 15 866 18 674 rlis hats mutatkozott. Az 40 000 be felt by the end of the 17 247 39 210 27 203 23 572 22 718 egyb gpek s berendez- 20 000 year. The number of new 11 777 0 sek kihelyezse 17%-kal esett businesses in the other ma2006 2007 2008 2009 2010 vissza. chines and equipment A teljes szegmensben kzel portfolio fell by 17%. 19%-kal cskkent a portfli Compared to 2009, the size mrete 2009-hez viszonytva, of the portfolio decreased Equipment finance - number of contracts aminek leginkbb nem szegby nearly 19%, the reasons mens specifikus oki voltak, 14 000 for which were mostly not 3055 hanem az okok megegyez- 12 000 segment-specific but ones Q5 3824 3399 nek azokkal, amelyek a tb- 10 000 2882 that affected each segQ4 3175 bi szegmensre is hatssal 8 000 ment. Apart from this, the 2770 Q3 3399 Q vannak. Emellett romlott a 6 000 2642 quality of the portfolio be2167 Q2 3885 portfli minsge, amely 4 000 2948 came worse that resulted 1336 3296 3071 1401 1579 az ttemezett szerzdsek in the rising number of re1289 2 000 3059 1267 2487 1971 1948 1486 arnynak, valamint a ksve, structured contracts and 628 0 vagy nem fizet gyfelek the increasing proportion 2005 2006 2007 2008 2009 2010 hnyadnak emelkedsben of non-paying or late-paymutatkozott meg. ing customers. A finanszrozsi formk alakulst tekintve a meAs far as the financing forms of the agricultural zgazdasgi gpeknl az EU plyzatok kifutsmachines are concerned, after the expiry of the EU nak ksznheten - szmotteven ntt a pnzgyi competitions the share of financial lease grew sublzing rszesedse, egy v alatt 20%-rl valamivel stantionally within one year from 20% to over 60% fl. Ezzel szemben a tbbi alszegmensben 60%. In spite of this, the share of financial lease in kismrtkben cskkent a pnzgyi lzing rszesethe other subsegments slightly declined, the operLzingvknyv [ 19 ] Leasing Yearbook
Equipment finance - market shares
Oberlzing 3% De Lagelanden 5% ING 5% K&H 5%
Budapest Csoport 3%
Bawag B 2%
Axon 1%
Egyb 2% IKB 18%
SGEF 5%
DLH 14%
Lombard 7%
BNP 8%
Unicredit 10%
CIB 12%
dse, az operatv lzingg stagnlt, mg a hitel arnya kiss emelkedett. Az j eszkzk finanszrozsa a mezgazdasgi s az ptipari gpek esetben jelentsen cskkent, az tlagr csak kismrtkben. Ez a szegmens szmra keresletet tmaszt vllalatok kockzatos pnzgyi helyzetbl, alacsony finanszrozsi kpessgkbl s bizonytalan kzptv kiltsaikbl kvetkezik. A fentiek miatt ezekben az alszegmensben a kihelyezsi felttelek is szigorbbak valamivel, mint a tbbi szegmensben (kivtel az ingatlan). INGATLANFINANSZROZS Az ingatlan szegmensben a lakskihelyezs rtke finanszrozott sszeg szerint 7,8 Mrd Ft volt, mg az ingatlanfinanszrozs 15 Mrd Ft-ot tett ki. A szerzdsek szma pedig 619, illetve 151 db volt. A laksfinanszrozs terletn 2009-hez kpest 14%-os volt a nvekeds, mg az ingatlanok esetben 67%-os cskkens volt tapasztalhat. A laksfinanszrozs terletn tapasztalt nvekeds nmagban nem ad okot optimizmusra. A kimutatott nvekeds annak ksznhet, hogy 2009-ben 80%-os volt a visszaess ebben az alszegmensben. Ezen fell mindkt alszegmensre jellemz a portfoli fokozatosan roml minsge. Jelenleg ez a laksportfli esetn nyilvnul meg erteljesebben, rszben ksznheten a kilakoltatsi moratriumnak, ami az gyfelek rszrl erklcsi kocLzingvknyv [ 20 ]
ative lease remained stagnant while the share of credit rose to a small extent. Although the new asset financing in the agricultural and construction machine segments considerably declined, the average price showed a slight drop only. It was caused by the fact that the companies that normally perform most of the purchase in this segment bear risky financial conditions, low financing abilities and uncertain midrange prospects. Owing to these reasons the new deal conditions of this subsegment are also somewhat stricter than in any other segment except the real estate sector. REAL ESTATE FINANCING Within the real estate financing segment the value of residential real estate financing amounted to HUF 7.8 billion while the real estate financing portfolio added up to HUF 15 billion. The number of residential real estate financing contracts totalled 619 while that of other real estate financing contracts amounted to 151. Compared to 2009 we saw a 14% rise in the field of residential real estate financing while the real estate financing sector shows a 67% decline. The mere fact that we could observe growth in the residential real estate sector does not give rise to optimism. The main reason for growth is that this subsegment suffered a 80% drop in 2009. Apart from this, the quality of the portfolio in both subsegments was gradually deteriLeasing Yearbook
Real estate finance - financed amount (M HUF) R

180 000 160 000 140 000 120 000 100 000 80 000 60 000 40 000 20 000 0
33 257 29 136 33 377 11 563 27 974 39 441 33 472 44 251 43 480 21 866 13 281 3 710 16 827 4 831 5 242 5 436 7 360 71 713 50 301 43 909
Q4 Q3 Q2 Q1
2006
2007
2008
2009
2010
kzatot jelent. 2010 vgre a teljes jelzloghitelllomnyon bell az tstrukturlt hitelek arnya elrte a 9%-ot s ezen bell is a 30, illetve 90 napon tli ksedelmek arnya mr 50% fel kzelt (a kett egytt, sszesen). Hasonl arnyok vonatkoznak a lzingpiacra is. Egyelre a nem-fizetsek nvekedsre a lzingcgek tbbnyire a fizetsi hatridk meghosszabbtsval reaglnak (tovbbi tstrukturlsnak, futamid-hosszabbtsnak mr nem lenne rtelme). Ugyanakkor a portfli minsgnek szmottev javulsa csak akkor kvetkezhet be, ha a munkanlklisgi rta cskkensnek, a reljvedelmek nvekedsnek indulnak, a svjci frank ersdse (amely 2010-ben nagyban hozzjrult a nemfizetsi arny nvekedshez) megll, s nem utols sorban megsznik a kilakoltatsi moratrium, s megszletik a bajba kerlt lakshitelesekre vonatkoz kormnyzati intzkedscsomag.
orating. This tendency is currently more typical of the residential real estate portfolio partly due to the foreclosure moratorium, which means a moral hazard on behalf of the clients. By the end of 2010 the proportion of restructured credit contracts within the entire mortgage portfolio amounted to 9% with the proQ portion of 30 and 90 days past due payments among the restructured credit contracts approaching 50% (total number, referring to both the residential real estate and the real estate portfolio). The leasing market can be characterized with similar ratio indicators. So far the leasing companies most typical reaction on the growing number of non-paying customers has been to prolong the payment deadlines as further restructuring attempts or prolongation of contract maturity would be pointless.
Real estate finance - number of contracts R
8 000 6 000
6141 1219 13 41
Q4 Q3 Q2 Q1
244 144 80 3 80
4 000 2 000 0
6 81 774 3 85
20 18
192 212 114 154
23 17
163 152 19 4 26 1
2006
2007
2008
2009
2010
Considerable enhancement of the portfolio, however, can only occur if the unemployment rate starts to decrease, the real incomes start to increase, the Swiss
Real estate finance - market shares
Unicredit 2% Lombard 15%
Axon 1%
E rs te 51%
OTP Laks lz ing 31%
Lzingvknyv
[ 21 ]
Leasing Yearbook
A laksfinanszrozs terletn 2010-ben tovbb ersdtt a pnzgyi lzing dominancija. 2009-rl 2010-re 80%-rl 91%-ra emelkedett a rszesedse, mg a hitel arnya 16%-rl 8%-ra cskkent. Az ingatlanfinanszrozs esetben ellenttes folyamatok zajlottak le. A hitel arnya 18%-rl 28%-ra ntt, de ezt ellenslyozta az operatv lzing 10%.-os emelkedse. A pnzgyi lzing 51%-rl 31%-ra cskkent.
Francs appreciation (the factor that contributed to the growth of the proportion of non-paying customers more than anything else in 2010) halts and last but not least the government stops the foreclosure moratorium and passes a measure package on the defaulted mortgage borrowers. The dominance of financial lease within the residential real estate portfolio continued to strengthen in 2010. Its market share rose from 80% to 91% while the share of credit fell from 16% to 8% from 2009 to 2010. The field of real estate financing saw opposite tendencies as the proportion of credit grew from 18% to 28% but this move was counterbalanced by the 10% growth of the operative lease constructions. The proportion of financial lease fell from 51% to 31%.
Corporate real estate finance - market shares
CIB 4,8% Axon 6,9% Erste 8,2% Lombard 10,2%
Merkantrade 4,6%
Oberlzing 0,6%
OTP Lakslzing 0,4%
Kszpnz 0,1%
Unicredit 52,7%
HYPO 11,6%
Lzingvknyv
[ 22 ]
Leasing Yearbook
Lzingvknyv
[ 23 ]
Leasing Yearbook
TAGOK MEMBERS
Trsasg Company
Tulajdonos Owner
Alapts ve Year of foundation
Tevkenysg Activity
Car Ship Fleet Real estate Truck Flat
Termkek Products
Pnzgyi mutatk Financial ratios

New business 2008 New business 2009 n.d 1 552 n.d 2 531 1 684 2 157 6 191 13 126 1 875 4 985 n.d 233 n.d 18 026 16 960 94 152 27 694 181 707 81 972 1 936 7 399 19 197 15 793 95 325 30 151 n.d n.d n.d n.d 11 534 10 499
Equip. F. Op. Hire Outstanding lease lease purch. 2010 Insur. Other New business 2010 O
ALD Automotive Hungary
Societe Generale Bank 2004
ARVAL Hungary Ltd.
BNP Paribas Company 1989
3 683 3 682 H 13 592 5 205 H 41 166 1 894
Banco Primus
85% Crdit Foncier, 2007
Banif Plus Private Ltd. Co.
Tecnicredito SGPS SA 1998
BAWAG Leasing & Fleet Ltd.
BAWAG P.S.K. Leasing GmbH., P.S.K. Handel und Vermietung GmbH. 2001
F I F
10 847 5 327
BG Hungary Leasing Private Ltd. Co.
Biggeorge's group 2006
1 115 0
BNP Paribas Lease Group Hungary
BNP Paribas Lease Group S. A. 2001
F I F I F I F
23 039 5 934
Budapest Group
Budapest Bank 2000
149 035 18 062
CIB Leasing Group
CIB Bank 2000
378 994 39 311
De Lage Landen Finance Ltd. Co.
De Lage Landen NL 2001
19 215 11 800
Deutsche Leasing Hungaria
Deutsche Sparkassen Leasing AG Kft. 1993, Zrt. 2000
F I F
33 500 10 417
Erste-Immorent group
Erste Bank Hungary Nyrt., EBV Beteiligungen GmbH. 1998
250 081 12 592
FHB Ingatlanlzing Ltd.
FHB Bank 2005
n.d n.d O n.d n.d
Gas-Car Fleet Management Ltd.
Private individuals 1994
IKB Leasing Hungria Ltd.
IKB Leasing GmbH, IKB Leasing Berlin GmbH 1999
n.d 12 674
Immorent-Hungary Private Leasing Ltd. Co.
Erste Bank Holding 2000
With Erste group With Erste group With Erste group With Erste group
IMPULS-LEASING Hungary Ltd.
Impuls Leasing GMBH 2006
18 874 1 619
21 759 10 714 31 878 12 253 48 406 14 351 1 496 14 79 51 7 929 7 614 134 514 60 950 21 526 6 178
ING Pnzgyi Lzing Ltd. Co
ING Lease Holding N.V. 2005
F I F I F
40 665 12 984
K&H Lease Group
K&H Bank 2001
115 421 11 288
KDB Bank (Hungary) Ltd.
KDB Bank Seoul 1990
2 190 11
Kszpnz Lzing Financial Co.
Kszpnz Invest Kft., Kszpnz Pnzgyi Tancsad Zrt. 1998
33 39 O 22 729 9 311
LeasePlan Hungary Plc.
LeasePlan International 1994
Lombard Financial and Leasing Privately Held Share Company Mercedes-Benz Credit Co.
VR Leasing AG 1991 Daimler AG 1994
217 108 33 853
F I
19 048 5 898
Lzingvknyv
[ 24 ]
Leasing Yearbook
TAGOK MEMBERS
Trsasg Company
Tulajdonos Owner
Alapts ve Year of foundation
Tevkenysg Activity
Car Ship Fleet Real estate Truck Flat
Termkek Products
Pnzgyi mutatk Financial ratios

New business 2008 New business 2009 305 2 755
Equip. F. Op. Hire Outstanding lease lease purch. 2010 Insur. Other New business 2010 I O H n.d 980 I O H 202 037 8 812 F I F I F H O O H 135 781 18 804 24 112 6 945 36 735 1 565 O I F O H H 58 495 9 951 69 713 0 F H 7 256 0 F O H n.d n.d 38 221 0 n.d n.d F I F I O H O H 19 792 6 778 196 390 26 053 O 7 911 8 591
Merkantrade Co.
Merkantil Bank Ltd.
OTP Bank Ltd. 1988
MKB-Euroleasing Group
MKB Bank + private individuals 1991
65 954 25 799 15 120 12 691 10 661 1 326 27 529 13 000 54 236 14 213 4 934 1 294 4 014 n.d 31 440 729 3 073 261 15 384 6 231 67 582 41 333 1 565 6 595
Ober Financial Lease Private Ltd. Co.
Oberbank Leasing GMBH, Oberbank AG 2006
OTP Lakslzing Co.
OTP Bank Zrt. 2005
Porsche Lzing s Szolgltat Ltd.
Porsche Bank 1993
Raiffeisen Lzing Co.
Raiffeisen Bank Zrt., Raiffeisen Leasing International 1993
RCI Lzing s Autfinanszrozsi Co.
RCI Banque S.A. 2001
Rgi Holding Ltd.
Faktoring F H
Santander Consumer Finance Co.
Banco Santander S.A. 1998
Sz. klcsn O
Scania Lzing s Szolgltat Magyarorszg Ltd. SG Eszkzlzing Magyarorszg Ltd.
Scania Financial Services 2006 SG Equipment Finance International GMBH, D-Wuppertal
UniCredit Leasing Hungary Co.
Unicredit Global Leasing S.p.a
VFS Pnzgyi Szolgltat Ltd.
Volvo Holding Sverige Aktiebolag 2007
F I
Lzingvknyv
[ 25 ]
Leasing Yearbook
TAGOK MEMBERS
ALD Automotive Magyarorszg Kft.

Address: H-1138 Budapest, Vci Street 141. Danubius Hzak Telephone: +36 1 802 5800 | Fax: +36 1 802 5830 E-mail: info.hu@aldautomotive.com | Website:www.aldautomotive.hu Representative: Sznt Viktor CEO Establishment year: 2004 Owner: Societ General Bank
A Socit Gnral Bankcsoport lenyvllalataknt az ALD Automotive amely vilgszerte kzel 800 000 gpkocsit zemeltet s finanszroz az operatv lzing s a flottazemeltets terleten 1997 ta van jelen. Az ALD Automotive Magyarorszg, a nemzetkzi vllalatcsoport tagjaknt tbb mint 2000 gpkocsi zemeltetst vgzi. A Magyarorszgon dolgoz szakembereken kvl a nemzetkzi cgcsoport szaktudsa s tapasztalata, valamint egy megbzhat pnzintzet finanszrozi rendszere is gyfeleink rendelkezsre ll. Az gyfeleinknek nyjtott, a nemzetkzi elvrsoknak megfelel szolgltatsi minsg biztostka egyrszrl a nemzetkzileg is elismert s elfogadott ISO 9001 tanstvny, mellyel cgnk rendelkezik, msrszrl az ALD Automotive International kzel 60 ves know-how-ja, tvzve a magyarorszgi specifikumokkal, egyedlll szakrtelmet biztost meglv s leend gyfeleink szmra. Nemzetkzi s hazai sikereink kulcsa hozzrtsnk, dinamizmusunk, kreativitsunk s elktelezettsgnk az gyfeleinket szolgl legoptimlisabb megoldsok megtallsban. Cg/cgcsoport ltal nyjtott szolgltatsok: flotta gpjrm finanszrozs Cg/cgcsoport ltal nyjtott termkek: Operatv lzing
ALD Automotive is the subsidiary of the Socit Gnral Group, managing and financing 800 000 cars worldwide. Our company has been providing vehicles for financing and management since 1997. ALD Automotive Hungary, as the member of this international group manages over 2000 cars. We provide outstanding service to our customers through the expertise and professionalism of the Hungarian team, the support a dedicated international company and the sound financial background of the bank. The guarantee of our unique professionalism is the compliance with the international quality provided for our existing and future customers. Our services: Fleet automobile financing Our Product: Operative leasing
Lzingvknyv
[ 26 ]
Leasing Yearbook
TAGOK MEMBERS
ARVAL Magyarorszg Jrmparkkezel Kft.

Address: H-1113 Budapest, Bocskai t 134-146. Telephone: +36 1 279 3300 | Fax: +36 1 279 3329 E-mail: info@arval.hu | Website: www.arval.hu Representative: Tekse Klmn CEO Establishment year: 2003 Owner: BNP Paribas Group
Az ARVAL ma a tarts brlet s a flottakezels terletn eurpai referencinak szmt. Az 1989-ben alaptott cg Eurpa legtbb orszgban jelen van, 2003 ta Magyarorszgon is. A cgcsoport tbb mint 600.000 autt kezel Eurpa szerte. Az ARVAL Magyarorszg Jrmparkkezel Kft. f tevkenygi kre j gpjrmvek finanszrozsa s meglv flottk kezelse vllatok rszre. Tevkenysge sorn testre szabott megoldsokat, fix kamatozs brleti konstrukcit nyjt gyfelei szmra, mellyel lehetv teszi az egyszerbb kltsgfinanszrozst, a brlet egsz idtartamra, tovbb idmegtakartst, kiszmthatsgot s rugalmassgot biztost. Ezen fell szleskr szolgltatsokat, egyni tancsadst s optimalizlt kltsgeket biztost partnerei ignyeinek megfelelen. Szolgltatsaink: gpjrmjavts, -karbantarts, gumiabroncscsere, seglyszolglat, csereaut, zemanyagkrtya, hozom-viszem szolgltats, biztosts, krkezels s jelentskszts. gyflkrnk: A portfli sszettelben jelents rszt kpvisel a feldolgoziparral, kereskedelemmel foglalkoz s gazdasgi szolgltatst nyjt multinacionlis cgek, ezen vllalkozsok veszik leggyakrabban ignybe az ARVAL kedvez szolgltatsait. Az ARVAL clkitzse a jvben is a gyors, rugalmas s minsgi szolgltatsnyjts. Cg/cgcsoport ltal nyjtott szolgltatsok: flotta gpjrm finanszrozs Cg/cgcsoport ltal nyjtott termkek: Operatv lzing
ARVAL is a European reference in field of long term lease and fleet management. The company was established in 1989 and operating in most countries of Europe, since 2003 its also running in Hungary. ARVAL Magyarorszg Jrmparkkezel Kfts scope is financing and managing other companies fleet. ARVAL offers tailor made solutions, fixed cost calculation, that provides easier cost financing during the whole term of the rental, provides reliability, flexibility and save the client time. Furthermore ARVAL supplies wide choice of services, consulting, costs optimization according to the partners requirements. Services: Maintenance, repairs, tires changes, assistance, replacement car, fuel card, pick-up service, insurance, accident management and reporting. Commercial portfolio: ARVALs portfolio is mainly based on multinational companies dealing with processing industry, trade and economic service; they find and use the prosperous opportunities of Arvals services. ARVALs long term aim is offering quick, flexible and high quality service. Our services: Full service lease for fleets Our Product: Operative leasing
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TAGOK MEMBERS
Banco Primus Fiktelep Magyarorszg

Address: H-1134 Budapest, Vci t 33. Telephone: +36 1 802-2200 | Fax: +36 1 802 2201 E-mail: kapcsolat@bancoprimus.hu Website: www.bancoprimus.hu Representative: Muradin Gergely CEO Establishment year: 2008 Owner: Crdit Foncier de France (CFF) - S.A, Joao Cunha Rosa
A portugl-francia tulajdon, lisszaboni szkhely Banco Primus SA pnzintzet 2008-ban nyitotta meg magyarorszgi fiktelept, s kezdte meg tevkenysgt elssorban j- s hasznltaut, valamint motor s robog finanszrozs krben. A trsasg tulajdonosai: 93%-ban a francia Crdit Foncier, 7%-ban pedig portugl magnbefektetk. A Crdit Foncier Franciaorszgban piacvezet a magnszemlyeknek trtn jelzlog alap hitelezsben, s a francia piac egyik legnagyobb pnzintzeti csoportjnak, a Groupe Caisse dEpargnenak a tagja, ami a Banco Primus szmra jelents s stabil htteret biztost. A 2010-es v sorn a bank tovbb stabilizlta helyt a magyarorszgi autfinanszrozsi piacon, st, racionlis nvekedsi plyt kvetve a pnzgyi vlsg kzepette is fokozatosan ersteni tudta jelenltt. A Banco Primus gpjrm hitelezsi termkei az egsz orszgban knnyen elrhetek, a cg a megvltozott gynki szablyozs utn is kzel 300 j- s hasznltaut kereskedvel ll kapcsolatban. Authitel termke segtsgvel gyors megoldst knl gyfelei finanszrozsi ignyeire. Az gyintzs gyorsasga mellett a minsgi szolgltats folyamatos fenntartsa a cg egyik alapelvrsa s hossztv clja. A Banco Primus 2010. v folyamn 5350 db hitelszerzdst kttt, s az v vgre portflija elrte a 13,6 millird forintot. A finanszrozs mell a bank szmos az gyfelek szemlyi s anyagi biztonsga rdekben kthet opcionlis biztostsi termket knl gyfelei rszre. A magyar fiktelepnek kzel 70 alkalmazottja van, akiket budapesti kzpontjban s 5 fikjban (Budapest, Debrecen, Gyr, Kecskemt, Pcs) foglalkoztat. A cg tervei kztt szerepel az autfinanszrozsi portfli tovbbi dinamikus nvelse, valamint a kzeljvben jelzloghitel termkek bevezetse.
The Portuguese-French owned financial institute, Banco Primus SA, with headquarters in Lisbon opened its branch office in Hungary in 2008 and started its business activity primarily in the field of financing new and used cars, motorbikes and scooters. The owners of the company 93% is owned by the French Crdit Foncier, and 7% is owned by Portuguese private investors. Crdit Foncier is market leader in mortgage lending for private persons, and is a member of one of the largest financial institutes of the French market, Groupe Caisse dEpargne, which provides a significant and stable background for Banco Primus. The bank was able to strengthen its presence on the Hungarian car financing market, and managed to follow a gradually increasing trend in its market share during the months of the monetary crisis in 2010. The car financing products of Banco Primus are easily available all over the country, and the bank is in connection with approximately 300 new and used car dealers at the moment despite the radically changed regulations. The bank provides a quick solution for the financing needs of its clients with its vehicle loan product. One of the basic expectations and long term objectives of the company is the maintenance of quality services apart from the quick administration process. Banco Primus concluded 5350 loan contracts during the year 2010, and its portfolio reached 13.6 billion HUF by the end of the year. The bank provides several optional insurance products as well along with its financing facilities for its clients, which may be concluded in order to ensure the personal and financial security of the clients. The Hungarian branch office has almost 70 employees, who are employed in the Budapest central office and in the 5 branches (Budapest, Debrecen, Gyr, Kecskemt, Pcs). The company is planning to further increase the vehicle financing portfolio dynamically, and to launch mortgage loan products as well in the near future.
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TAGOK MEMBERS
Banif Plus Bank Zrt.

Address: H-1138 Budapest, Npfrd u. 22. C p./5. (Duna Tower) Telephone: +36 1 505 5050 | Fax: +36 1 505 5051 E-mail: kapcsolat@banifplus.hu Website: www.banifplus.hu Representative: Ferencz Zoltn, Francisco Fonseca, Kovcs Tibor, Pedro Campos Establishment year: 1998 Owner: Banco Mais S.A.
A Banif Plus Bank Zrt. Tecnicredito Magyarorszg Pnzgyi Rszvnytrsasg nven 1998-ban kezdte meg mkdst Magyarorszgon. A Pnzgyi Szervezetek llami Felgyelete 2006-ban engedlyezte a Trsasg bankk trtn alakulst, gy ezt kveten Bank Plus Zrt. nven folytatja zleti tevkenysgt. A vllalatot kizrlagos rszvnyesknt, Portugliban a hasznlt gpjrm finanszrozs tern meghatroz, Tecnicredito SGPS SA alaptotta. Az azta bankk alakult anyavllalat, amely jelenleg 5 orszgban van jelen, a 2009-es v folyamn a szintn portugl BANIF Pnzgyi Csoportba integrldott. A vltozs eredmnyeknt vllalatunk Banif Plus Bank Zrt. nven mkdik tovbb 2010 tavasza ta. Trsasgunk f tevkenysgt vltozatlanul az j s hasznlt gpjrmvek finanszrozsa jelenti pnzgyi lzing, illetve klcsn formjban. 2009-ben s 2010-ben a Banif Plus Bank Zrt. a vlsgra val tekintettel mg vatosabb volt az j hitelkihelyezsek tekintetben, sokkal inkbb meglv gyfelei elgedettsgnek javtsra s mg magasabb sznvonal kiszolglsra fordtotta a hangslyt. A Banif Plus Bank Zrt. a jv kihvsainak az gyfelei s partnerei szmra nyjtott szolgltatsok sznvonalnak folyamatos javtsval, termkei fejlesztsvel, valamint krltekint kockzatkezelssel, illetve kockzat alap rstratgival kvn megfelelni.
Banif Plus Bank Zrt. has started its operation in Hungary as Tecnicredito Rt. in 1998. As a result of the resolution of The Hungarian Supervisory Authority in 2006 the Company formed into a bank and continued its activity as Bank Plus Zrt. The company had been established by Tecnicredito SGPS SA, a leading group in used car financing in Portugal, as its sole shareholder. The mother company which was since transformed into a bank and is present in 5 countries internationally, during the year of 2009 merged with a likewise Portuguese Financial Group, called BANIF. As the result of the transformation we continue to operate under the name of Banif Plus Bank since the spring of 2010. The main activity of the company remained providing financial services like loan and closed end leasing for the purchase of new and used cars. In consideration of the financial crisis, in 2009 and 2010 Banif Plus Bank Zrt. was even more cautious regarding the extension of new loans and put the emphasis much rather on the development of its current clients satisfaction. Banif Plus Bank Zrt. intends to respond for the future challenges by constantly improving its service levels to its partners and clients, by developing new products, by continuing to pay close attention to risk levels and by following a risk based pricing strategy.
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Leasing Yearbook
TAGOK MEMBERS
Bawag Leasing & Fleet Kft.

Address: - 1106 Budapest, rs vezr tere 25/C IV. em. Telephone: +36 1 505 5100 | Fax: +36 1 505 5130 E-mail: budapest@leasing.at Website: www.leasingandfleet.com Representative: Christian Polak, Kocsis Endre CEOs Establishment year: 2001 Owner: BAWAG P.S.K. Leasing GmbH., P.S.K. Handel und Vermietung GmbH.
A PSK-LHS Autpark Kezelsi Kft.-t s a PSK-LHS Lzing Rt.-t a bcsi szkhely BAWAG P.S.K. LEASING GmbH. s a stuttgarti szkhely LHS Leasing- und Handelsgesellschaft Deutschland GmbH. alaptotta 2001-ben Budapesten. A BAWAG P.S.K. csoport - Ausztria harmadik legnagyobb bankcsoportja - 2005-ben kivsrolta az LHS tulajdonrszt, ezt kveten lett BAWAG Leasing & Fleet Kft. s BAWAG Lzing Zrt. a cgek neve. BAWAG Leasing & Fleet lenyvllalatok tallhatk Ausztria mellett Lengyelorszgban, Csehorszgban s Szlovkiban is. A lenyvllalatok s az anyacg ugyanazt a magas minsgi sznvonalat knljk vonz felttelekkel a gpjrm-lzing, a flotta-menedzsment s az eszkz lzingels terletn mind magngyfelek, mind cges gyfelek rszre. Magyarorszgon az eltelt 10 vben a BAWAG Leasing & Fleet a flottakezels terletn bekerlt a piacvezet cgek fels krbe.
The PSK-LHS Autpark Kezelsi Kft. and PSK-LHS Lzing Rt. were founded in Hungary by BAWAG P.S.K. Leasing GmbH. based in Vienna and the LHS Leasing- und Handelsgesellschaft Deutschland GmbH. based in Stuttgart in 2001. The BAWAG PSK Group the third largest bankgroup in Austria - bought out the LHS owned portion in 2005, becoming BAWAG Leasing & Fleet Kft. and BAWAG Lzing Zrt. Beyond Austria BAWAG Leasing & Fleet subsidiaries were founded in Poland, Czech Republic and Slovakia also. The subsidiaries and the parent company continue to offer the same high quality, with attractive options in the field of vehicle leasing, fleet management and asset leasing for private customers and commercial clients also. During the last 10 years in Hungary BAWAG Leasing & Fleet has become one of the leading companies in the field of vehicle leasing.
Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs flotta gpjrm finanszrozs kishaszongpjrm finanszrozs gp-berendezs finanszrozs Cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Biztosts-kzvetts Egyb: szerviz, braut, assistance
Our services: Retail automobile financing Fleet automobile financing Light commercial vehicle financing Machine and equipment financing Our Products: Financial leasing Operative leasing Insurance negotiation Miscellaneous: service, rental car, assistance
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Leasing Yearbook
TAGOK MEMBERS
BG Magyarorszg Lzing Zrt.

Address: H - 1036 Budapest, Pacsirtamez u. 5. E/3. Telephone: +36 1 439 2130 | Fax: +36 1 439 2139 Website: www.bg.hu Representative: Moskovits Pl CEO Establishment year 2006 Owner: Biggeorges csoport
A BG Magyarorszg Lzing Zrtkren Mkd Rszvnytrsasg a Biggeorges csoport tagjaknt a PSZF engedlyvel alakult meg s kezdte meg mkdst 2006. februr 1-n. A BG Magyarorszg Lzing Zrtkren Mkd Rszvnytrsasg kizrlag ingatlan alap pnzgyi lzing tevkenysget vgez. A Trsasg nyltvg s zrtvg, tovbb visszlzing konstrukcit knl leend gyfelei szmra, amelyek mind j, mind hasznlt laksra ignybe vehetk. A termkportfli tartalmaz olyan lakslzing finanszrozsi lehetsget is, amellyel akr ner nlkl md nylik laksvsrlsra. A Trsasg portflijnak sszettelt tekintve a vllalkozsok s a magnszemlyek egyenl arnyban jelennek meg. Ez annak ksznhet, hogy a termkstruktra kialaktsakor kiemelt figyelmet szentelt a Trsasg annak, hogy a termkek a vllalkozsok rszre is elrhetk legyenek. Cg/cgcsoport ltal nyjtott szolgltatsok: ingatlanfinanszrozs lakslzing Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Klcsn, hitel
BG Magyarorszg Lzing Zrt. (BG Hungary Leasing Private Company Limited by Shares) was founded and commenced its operation on 1st February 2006, with the permit of the Hungarian Financial Supervisory Authority (PSZF), as a member of the Biggeorges Group. BG Magyarorszg Lzing Zrtkren Mkd Rszvnytrsasg performs exclusively financial leasing activities for properties. The Company offers its clients open-ended, fixed-term and leaseback schemes, available for both new and second-hand properties. The product portfolio even contains apartment lease schemes that enable the client to buy a property without capital. The services provided by our company/company group: Real estate financing Residential real estate leasing Our Products: Financial leasing Loans, credits
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TAGOK MEMBERS
BNP Paribas Lease Group Lzing Zrt., BNP Paribas Lease Group Javak Brbeadsa Kft.
Address: H - 1138 Budapest, Dunavirg u. 2. Telephone: +36 1 301 9000 | Fax: +36 1 301 9010 E-mail: info@leasegroup.hu Website: www.leasingsolutions.bnpparibas.hu Representative: Pfeningberger Andrs CEO Establishment year: 2001 Owner: BNP Paribas Lease Group S. A.
A BNP Paribas Leasing Solutions a BNP Paribas Csoport tagja, amely a vilg 83 orszgban, tbb mint 200,000 alkalmazottal van jelen a nemzetkzi pnzpiacon, tovbb a Standard & Poors szerint egyike a vilg 6 legtkeersebb bankjnak (AA+). A BNP Paribas Leasing Solutions Eurpa vezet eszkzfinanszroz vllalata; f feladata, hogy professzionlis finanszrozsi konstrukcikat knljon kis - s kzp, valamint nagyvllalatok eszkzbeszerzseihez. A BNP Paribas Leasing Solutions 2001-ben lpett a magyar piacra, tulajdonosa a BNP Paribas Lease Group S.A. F tevkenysge gpek, termeleszkzk finanszrozsa, amely sorn kiemelt szerepet lvez a gyrt s forgalmaz cgekkel val egyttmkds, az rtkestst vgz cgek kzvetlen finanszrozsa. A BNP Paribas Leasing Solutions szles finanszrozsi termkpalettval ll gyfelei rendelkezsre: hitel, hagyomnyos pnzgyi lzing (vsrlsi opcival vagy a nlkl), operatv lzing, kszletfinanszrozs. Ezen fell komplex szolgltatsokat is nyjt a trsasg, melyek biztostsi termkekkel, szerviz lehetsggel is kombinlhatk.
BNP Paribas Leasing Solutions is member of BNP Paribas Group, which is a world leader in global financing and banking services, the 3rd most influential bank (Standard & Poors AA+), present in 83 countries with more than 200,000 employees. BNP Paribas Leasing Solutions is a European leader in the asset financing market; it offers professional financing products to small- and medium-sized, and big ticket companies to optimize their asset procurement. BNP Paribas Leasing Solutions entered the Hungarian financing market in 2001 as 100% subsidiary of BNP Paribas Lease Group S. A. Its main activity is financing equipments and machinery, with a special emphasis on cooperation with manufacturers and distributors, as well as on direct financing of dealers BNP Paribas Leasing Solutions offers a wide range of financing solutions: loan, financial lease (with or without purchase option), operative lease, and stock financing. Moreover, BNP Paribas Leasing Solutions have created complex solutions which can be combined with insurance and service options.
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TAGOK MEMBERS
Budapest Autfinanszrozsi Zrt.

Address: H - 1138 Budapest, Vci t 193. Telephone: +36 1 450 8000 | Fax: +36 1 450 8096 E-mail: budapestauto@ge.com Website: www.budapestbank.hu Representative: Rvsz Tams CEO Establishment year: 1997 Owner: Budapest Bank Nyrt.
A Budapest Autfinanszrozsi Zrt. j s hasznlt szemly- s kishaszon gpjrmvek pnzgyi lzingelsvel s hitelezsvel foglalkozik magnszemlyek s vllalkozsok rszre. Az gyfelek kiszolglsa alapveten a gpjrm kereskedsekben trtnik. 2010. novembertl a cgnk ltal nyjtott hitel mr a Budapest Bank fikokbl is ignybe vehet igen kedvez razssal. A gyors gyintzst az online elektronikus adat- s dokumentum forgalmazs biztostja. 2010-ben is sikerlt megtartani piaci rszesedsnket s meghatroz szerepnket a piacvezet autfinanszroz cgek kztt. Kiemelked jelentsget tulajdontottunk annak, hogy gyfeleink rszre a legkevsb kockzatos, hossztvon vllalhat finanszrozst knljunk, a pnzgyi- s gazdasgi vlsg kvetkeztben fizetsi nehzsgekkel kzd gyfeleinknek a szerzdses kapcsolat fenntartst szolgl megoldsokat dolgozzunk ki. Ezen elkpzelsnk megvalstsa nagymrtkben ksznhet a fix havidjas -, a havidjakba beptett biztostsokat is tartalmaz finanszrozsoknak illetve az gyfelek biztonsgt szolgl egyb (pl.: munkanlklisg esetre is kiterjed) biztostsi konstrukciinknak. Gpjrm keresked partnereinknek kedvez kondcikkal teljes kr vllalat finanszrozsi termkeket knlunk. Meglv gyfeleink szmra teljes kr gyintzsi lehetsget biztostunk az online elrs gyflkapu portlunkon keresztl illetve az sszes Budapest-bank fikban.
The Company engages in financing (by means of financial lease and loans) new and used passenger and light utility vehicles for private and business customers. Customers are primarily served directly at the dealers, but as of November 2010 our product is also available via Budapest Bank branches on advantegous pricing. Our customers enjoy fast services due to full electronic transmission of data and documents. In 2010 the company succeeded in maintaining its market share among leading participants in the financing market. In the companys main focus were to offer less risky and acceptable in the long run financing products, also solutions for treating delinquent customers. To the achievement of our goals great contribution was given by our products named Fix monthly instalment (makes possible to pre-plan the expenditures) and Payment Protection Insurance (complementary product to the loan). For dealers we offer full range of corporate fincancing products on favourable conditions. Customers in our portfolio enjoy full customer services personally via Budapest Banks branch network or online using the Customer Gate web-portal.
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TAGOK MEMBERS
Budapest Lzing Zrt.

Address: H-1138 Budapest, Vci t 193. Telephone: +36 1 450 7990 | Fax: +36 1 450 7687 E-mail: budapestlizing@ge.com Website: www.budapestlizing.hu Representative: Toldi Balzs CEO Owner: Budapest Bank Nyrt.
A Budapest Lzing Zrt-t 1992 szn alakult azzal a cllal, hogy gyfeleink knnyen elrhet, rugalmas s kedvez finanszrozst kapjanak, mellyel versenykpessgket erstve hatkonyabban tudjk zleti cljaikat elrni. A BL fejldsben a GE tulajdonszerzse jelentette a fordulpontot. A kialaktott szervezeti struktra valamint a GE vllalti kultrja segtette a Budapest Lzing Zrt-t abban hogy Magyarorszg egyik vezet lzingcgv vljon.
Budapest Lzing Zrt. was established in the autumn of 1992, with the purpose of offering our Clients easily accessible, flexible and beneficial funding, by means of which they can strengthen their competitiveness and reach their business goals more efficiently. The progress of Budapest Lzing Zrt. has picked up with General Electric becoming the owner. With the help of a retailored organization and the spirituality of GE, the Budapest Lzing Zrt. has become one of the leading asset-leasing companies of Hungary.
Mirt pont a Budapest Lzing Zrt.? Munkatrsaink sokves tapasztalatnak ksznheten sszetett, tlagostl eltr finanszrozsi megoldsokat knlunk nyitottak vagyunk Partnereink j elkpzelsre az ignylstl szmtott maximum 2 rn bell testre szabott ajnlatot adunk nnek akr 48 rn bell dntst hozunk a szksges dokumentumok beszerzstl szmtva Forint alap, EUR-hoz kttt deviza alap, illetve EUR-ban trleszt finanszrozsi formkat egyarnt knlunk az n bevteleihez igazod szezonlis trlesztsi lehetsgekkel llunk rendelkezsre velnk mr 1 milli forintrtktl finanszrozhat eszkzket, de tbb szzmilli forint rtk nagyberuhzsok megfinanszrozsra is nyitottak vagyunk minden eszkztpusra vonatkozan vlaszthat a konstrukciba beptett biztosts stabil pnzgyi htternkrl a General Electric gondoskodik
Why exactly Budapest Lzing Zrt? we are open to our Partners' new ideas we produce tailored offers within two hours from the receipt of our Clients' claims we can make a decision as fast as within 48 hours from the receipt of the necessary documents we offer funding constructions based on both HUF and foreign exchange (bound to EURO), or to be repaid in EURO we offer seasonal repayment opportunities adjusted to your revenues with us, you can finance assets from the value of as little as HUF 1 million, but we arealso open to funding large capital constructions with a value of several hundreds of million forints we offer insurance built in the construction for all asset types we have the widest asset-leasing constructions in the market our stable financial background is ensured by General Electric
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TAGOK MEMBERS
CIB Lzing Zrt.

Address: H-1027 Bp, Medve u. 4-14. Telephone: +36 1 423 1000 | Fax: +36 1 269 2526 E-mail: ciblizing@cib.hu Website: www.ciblizing.hu Representative: Vitlyos ron CEO Establishment year: 2000 Owner: CIB Bank Nyrt.
A CIB Lzing Csoport 2010-ben kzel 40 millird forint tkt helyezett ki a magyar lzingpiacon,. A piac szklsvel prhuzamosan a koncentrci enyhlt. Mg 2009-ben a piac 40%-t adta a hrom legnagyobb finanszroz, addig 2010-ben arnyuk a teljes piac 33%-ra mrskldtt, amelybl 13%-ot a CIB Lzing Csoport tud felmutatni, gy tovbbra is rzi piacvezet szerept. A CIB Lzing Csoport eszkz-portfolijban tovbbra is a szemlygpjrm-finanszrozs kpviseli a legnagyobb rszarnyt. A retail zletg tbb mint 18,4 millirdos kihelyezse 18,7 %-os piaci rszesedst eredmnyezett, ami tbb mint 2 szzalkponttal haladja meg az elz vit, gy a csoport megrizte msodik helyt ezen a piacon. A flotta zletg a CIB csoporton bell egyedliknt nvelni tudta kihelyezst 2010-ben, 4,1 millird forintra, 8,5%-os piaci rszesedsvel az tdik legnagyobb szerepl volt a piacon. A tehergpjrm zletg 2010. vi tkekihelyezse 7,1 millird Ft volt, ami a negyedik hely megszerzshez volt elegend, csaknem 12%-os piaci rszeseds mellett. A gp zletg 8,8 millirdos kihelyezssel a harmadik legjelentsebb szerepel a piacon, piaci rszesedse 12%. A CIB Lzing Csoport biztostskzvettsi zletgnak feladatai kz tartozik a finanszrozsi termkek biztostssal lefedhet kockzatkezelse, nll alkuszi szolgltatsok nyjtsa s a biztostsi bevtelek maximalizlsa. 2010-ben a CIB Csoportban a tagok kztt lv szinergia erstsvel a ktelez gpjrm biztostsi piacon is jelents rszesedst sikerlt megszereznie. A cgcsoport kimagasl zleti sikereihez tovbbra is nagymrtkben hozzjrul a motivcis rendszerre, illetve az oktatsra s kpzsre s a megfelel munkahelyi krnyezet kialaktsra trekv humn stratgija is. A CIB Lzing Csoport clja, hogy minden piaci szerepl ignyt maximlisan kielgtse a jvben is: tfog termkpalettval, kedvez finanszrozsi felttelekkel, illetve gyors s gyflbart gyintzssel.
In 2010 CIB Leasing Group made nearly 40 billion HUF capital placement on the Hungarian leasing market. The market became less concentrated along with the shrinking thereof. Compared to the 40% market coverage in 2009 the capital placement made up by the three largest leasing company dropped to 33% in 2010, within which CIB represents a market share of 13% securing its market leading position. Car financing continues to represent the largest share of the CIB Leasing Groups asset portfolio. The 18,4 billion HUF contribution of the retail division represents a market share of 18,7% which is more than 2 percentage points higher than that of the previous year making the group the second-largest financer in this segment. Although the fleet division was able to increase its capital placement to 4,1 billion HUF and it is currently the fifth largest player in the market with an 8,5% share. The truck division also lost ground, since its capital placement was 7,1 billion HUF in 2010, which resulted in fourth place on the market, with a market share of 12%. The machinery business line produced 8,8 billion HUF capital placement which makes it the third most significant financer in this segment, with a market share of 12%. The tasks of the CIB Leasing Groups insurance brokerage division include the insurance-based risk management of financing products, providing independent brokerage services, and maximizing insurance revenue. In 2010 as a result of enhancing the synergies among the Group's members CIB gained a significant share also in the compulsory TPL car insurance market. An important ingredient in the outstanding success is still its human resources strategy that focuses on a system of incentives, training and education, and the creation of an appropriate working environment. The objective of the CIB Leasing Group is to continue meeting every need of its clients through its wide range of products, favorable financing conditions, as well as fast and customer-friendly services.
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TAGOK MEMBERS
De Lage Landen Finance Zrt.

Address: H-1095 Budapest, Lechner dn fasor 6. Telephone: +36 1 577 97 00 | Fax: +36 1 577 97 22 Website: www.delagelanden.com Representative: Emiel van Onzenoort CEO; Ills Attila Country Sales Manager Establishment year: 1997 Owner: De Lage Landen International B.V. (Hollandia)
A De Lage Landen Finance Zrt. eszkzalap finanszrozsi termkeket szolgltat gyrtk, terjesztk s forgalmazk rszre, hogy elsegtse f termkeik rtkestst Eurpban, Amerikban, zsiban s a Csendes-cen trsgben, Ausztrliban s j-Zlandon. A De Lage Landen vilgszerte 35 orszgban van jelen, s minden egyes relciban versenyelnyt jelent partnerei szmra. Az irodai berendezsek, lelmiszeripar, mezgazdasg, egszsggy, anyagmozgats, ptipar, teherjrmvek s technolgiai berendezsek finanszrozsban 40 ves tapasztalattal dicsekedhet. Magyarorszgon finanszrozsi megoldsokat knlunk a kis s kzepes magncgektl kezdve egszen a multinacionlis gyflkrig s kltsgvetsi intzmnyekig. A megelz vek gyakorlatnak megfelelen folyamatosan frissen tartjuk termkpalettnkat, gy ma is a finanszrozsi szektorban fellelhet valamennyi megoldst zrt- s nylt vg pnzgyi lzing, brlet, faktoring, eszkz alap klcsn - knljuk gyfeleinknek, fix s vltoz kamatozssal, forint s klnbz deviza bzisokon egyarnt. Nvekedsi cljainkat els sorban anyacgnk s nemzetkzi hlzatunk tapasztalatainak, know-howjnak s kapcsolatrendszernek adaptlsa rvn kvnjuk elrni. Stratgiai clunk, hogy rtknvelt finanszrozsi megoldsokat knljunk s nyjtsunk gyfeleink s vendor partnereink szmra, ezzel teremtve meg a hossz tv klcsnsen elnys egyttmkdsek alapjt. Cg/cgcsoport ltal nyjtott szolgltatsok: teheraut finanszrozs gp-berendezs finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Klcsn, hitel Biztosts-kzvetts
De Lage Landen Finance Co. Ltd. provides asset-based financing products for manufacturers, distributors and dealers to promote the sales of their main products in Europe, America, Asia and the Pacific, Australia and New Zealand. De Lage Landen is present in 35 countries worldwide, which means a substantial competitive advantage for our clients. Our company can boast 40 years of experience in financing equipment for offices, food industry, agriculture, health care, materials handling, construction industry, as well as transportation vehicles, trailers and high technology. We provide financial solutions for a whole range of clients from the small and medium-size enterprises to the multinational clientele and the public sector. Similarly to the practice of the past years, we continuously keep our product range fresh, so we can provide our clients with all the possible solutions of the financing sector such as open- and closed-end financial leasing, operational lease, factoring, asset-based loan, on fixed and variable interest basis or in forint or in foreign currencies. We would like to achieve our goal of growth by adapting the experience, know-how and connection network of our mother company and international links. Our strategic goal is to provide value increased financial solutions for our clients and vendor partners thus creating the basis of a long-term, mutually favorable cooperation. Our services: Commercial road vehicle financing Machine and equipment financing Our Product: Operative leasing Financial leasing loans, credit insurance
Lzingvknyv
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Leasing Yearbook
TAGOK MEMBERS
Deutsche Leasing Hungaria Zrt.

Address: H -1011 Budapest, F u. 14. Telephone: +36 1 391 07 80 | Fax: +36 1 391 07 99 E-mail: dlh@dlh.hu Website: www.deutsche-leasing.com Representative: Nyikos Katalin, CEO, Csereklye Barnabs, Head of Sales Establishment year: Kft: 1993; Zrt: 2000 Owner: Deutsche Sparkassen Leasing AG c Co. KG
A Deutsche Leasing 48 ve nyjt szakszer pnzgyi tancsadst, valamint tmogatst gyfelei szmra a lzingfinanszrozs terletn. A 90-es vek kezdete ta dinamikus nemzetkzi finanszrozsi megoldsok kidolgozsban vesz rszt, s 21 orszgban mkd lenyvllalatn keresztl Eurpban, USA-ban, Dl-Amerikban, Kanadban valamint Knban professzionlis szolgltatsi htteret biztost a gyrtk s a beruhzk rszre egyarnt. Nmetorszgban piacvezet a mobil eszkzfinanszrozs terletn. A Deutsche Leasing Hungaria haznkban egyike a piacvezet, gyrtktl fggetlen lzingtrsasgoknak a beruhzsi eszkzk finanszrozsa, legfkppen a termelgpek s berendezsek lzingelse terletn, tfog szolgltatsokkal s szakrtelemmel ll gyfelei rendelkezsre. A nagyvllalati kr mellett elssorban a gpipar terletn tevkenyked kis- s kzpvllalkozsok szmra knl innovatv megoldsokat. A magyarorszgi beruhzsok finanszrozsnak terletn klnfle megoldsok llnak rendelkezsre. A hrom leggyakrabban alkalmazott finanszrozsi megolds az operatv lzing, a pnzgyi lzing s az eszkz alap klcsn. A Deutsche Leasing Hungaria finanszrozsi ajnlatai egyedileg, az gyfelek gazdasgi helyzethez s ignyeihez szabottak. Az operatv, a nylt- s zrtvg pnzgyi lzing mellett tbb ve innovatv s egynileg felptett finanszrozsi koncepcit, eszkzalap klcsnt is knl, amely az EU s a magyar llam ltal tmogatott beruhzsokhoz illeszkeden lehetv teszi a termel- s zemi berendezsek beszerzst. A Deutsche Leasing Hungaria gyfelei rszre teljeskr biztostst knl, mely a finanszrozs futamideje alatt vdelmet nyjt a finanszrozott eszkzn esetlegesen bekvetkez kresemnnyel szemben. Az MKB Bank s a Deutsche Leasing Hungaria stratgiai egyttmkdsi szerzdst kttt egymssal, mellyel lehetsg nylt arra, hogy az MKB Bank vllalati gyfelei szmra pnzgyi s operatv lzinget valamint eszkzalap klcsnt nyjtson partnere kzremkdsvel. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs teheraut finanszrozs gp-berendezs finanszrozs haj, repl, vast finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Klcsn, hitel Biztosts-kzvetts Lzingvknyv [ 37 ]
For more than 48 years Deutsche Leasing offers professional financial services and support to its clients on the field of leasing finance. Since the beginning of 90s Deutsche Leasing takes part in the development of dynamic international financial solutions and based on its subsidiaries in 21 countries in Europe and in China, Canada and in the US assures professional service backup equally for producers and investors. In Hungary, Deutsche Leasing Hungaria as one of the leading in dependent leasing company provides overall financial services for investment goods especially producing machines and equipment. Besides large companies, innovative solutions are offered to SMEs operating in the production industry. Regarding the financing of investments in Hungary there are several possibilities. The 3 most common used solutions are operative leasing, financial leasing and asset-based loan. The financial offers of Deutsche Leasing Hungaria are unique and suit to the economical situation and needs of the clients. For years, beside operative and financial leasing with- or without option, innovative and personally constructed financial concept, namely assetbased loan is also available. This asset-based loan allows the acquisition of producing- and plant machineries subsidised by the EU and the Hungarian Government. Deutsche Leasing Hungaria provides all risk insurance to its clients, which ensures protection during the whole maturity against defaults of the financed asset. MKB Bank and Deutsche Leasing Hungaria concluded a strategic alliance to serve MKBs customer base with asset based finance. Our services: retail automobile financing Commercial road vehicle financing Machine and equipment financing Ship, airplane and railway financing Our Products: Operative leasing Financial leasing loans, credit insurance
Leasing Yearbook
TAGOK MEMBERS
ERSTE Leasing Group

Address: H -1138 Budapest Npfrd u. 24-26. Telephone: +36 1 325-2020 | Fax: +36 1 325-2010 E-mail: info@ersteleasing.hu Website: www.ersteleasing.hu Representative: Megyeri Istvn Elnk-vezrigazgat; Andreas Merz Igazgatsgi tag Establishment year: Erste Leasing Autfinanszrozsi Zrt. 1998., Erste Leasing Eszkzfinanszrozsi Zrt. 2002., Erste Leasing Brlet Kft. 2000. Erste Ingatlanlzing Zrt. 2006. Owner: Erste Bank Hungary Nyrt., EBV Beteiligungen GmbH
Az Erste Leasing Cgcsoport 1998-ban az Erste Bank Hungary lenyvllalataknt kezdte meg mkdst. 2004-ben az Erste Bank s a Postabank integrcija kvetkeztben, lenyvllalatai is sszeolvadtak, gy a korbban gpjrm finanszrozsban piacvezet Postabank Leasing szakmai httere s tapasztalata megkerlhetetlen piaci szereplv tette az Erste Leasing Cgcsoportot. Tulajdonosi szerkezete az alapts ta vltozatlan, a tkeers htteret 100%-ban az Erste Bankcsoport biztostja. Tbb mint 10 ve a lzingpiaci termkek szles knlatt nyjtja lakossgi s vllalati gyfelek szmra. Piaci szerepvllalsban mindenkor az egyni ignyek mind teljesebb kr kielgtst clozza, szemlyre szabott lzing- s hitelkonstrukcik kialaktsval, kiegszt termkek ajnlsval. Eszkzportflijban legjelentsebb fajslyt a hazai szemly- s kishaszongpjrm-finanszrozs kpviseli. Kiemelked teljestmny, hogy motorkerkpr-finanszrozsban - szinte a kezdetektl - piacvezet szerepet tlt be, hiszen 2000. ta stabilan 50% krli piacrszesedssel br. A cgcsoport gyflllomnya mra meghaladja a 110.000 ft, amelynek kiszolglst professzionlis szakmai httr tmogatja. A Gpjrm-keresked partnerekkel val egyttmkdsnek, valamint kiterjedt Kpvisel irodahlzatnak ksznheten finanszrozsi szolgltatsaik ma mr az orszg egsz terletn elrhetek. A keresked partnerek szmra dediklt kapcsolattartk segtik az egyttmkdst. Az Erste Leasing Cgcsoport termk- s szolgltats palettja szles sklval ll gyfelei rendelkezsre. Finanszrozsi partnerknt s biztostst kzvett tancsadknt egyarnt segtsget nyjt. Fbb szolgltatsai: egyedi szemly-, s kishaszongpjrm-, valamint motorkerkpr finanszrozs biztostskzvetts, tancsads kszletfinanszrozs flottafinanszrozs egyb kiegszt termkek
Erste Leasing Group started operation in 1998 as an affiliate of Erste Bank Hungary. On the back of the merger of Erste Bank and Postabank, the subsidiaries of both banks also were integrated in 2004, thus the business track record and experience of Postabank Leasingformer market leader in vehicle financingwere also incorporated in Erste Leasing Group to make it an unavoidable presence in the Hungarian market. The ownership structure of the company has been unchanged since it was established: Erste Bank has been providing 100 per cent of the companys strong capital base. The company has been offering retail and corporate customers a wide range of leasing products for more than 10 years. Its main objective in business activity is to meet individual demands as extensively as possible by offering tailored leasing and loan designs as well as complementary products. Finance agreements for passenger cars and small commercial vehicles represent the largest weight in its asset portfolio. The company has been market leader in motorcycle finance almost since the beginning, holding a steady market share around 50 per cent since 2000, an outstanding achievement. The customer scope of the company now exceeds 110,000 customers which are serviced by a professional staff with extensive business experience. Owing to the cooperation with vehicle dealer partners and an extensive network of sales offices, our services are now available across the entire country. Product range: Erste Leasing Group offers customers an extensive range of products and services, and also acts as financing partner and insurance intermediary. Our Services: individual finance for passenger cars, small commercial vehicles, and motorcycles insurance intermediation, consulting services inventory finance fleet finance miscellaneous complementary products
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Leasing Yearbook
TAGOK MEMBERS
Erste Group Immorent Lzing Zrt.

Address: H-1124 Budapest, Csrsz u. 45. MOM-Park/Sas-torony Telephone: +36 1 392 4080 | Fax: +36 1 392 4081 E-mail: info@immorent.hu Website: www.immorent.com Representative: Gyfrs Sndor CEO, Kovcs Sndor CEO Establishment year: 2000 Owner: Erste Group Bank
A 100 %-ban az osztrk Erste Group Bank csoporthoz tartoz Erste Group Immorent konszern 1999-ben alaptotta Magyarorszgon pnzgyi lzinggel foglalkoz lenyvllalatt, az Erste Group Immorent Lzing Rt-t, valamint az operatv lzinggel foglalkoz Erste Group Immorent Kft-t. Azta szmos projektcggel egszlt ki a magyarorszgi Immorent Csoport, amelyekben tbbnyire nagy rtk ingatlanok illetve kisebb mrtkben gpek finanszrozsa folyik, rszben a magyar, rszben a bcsi Erste Bank hossz lejrat hiteleibl. A finanszrozsban a slypontot az zleti cl ingatlanok hossz tv pnzgyi refinanszrozsa, illetve j, projektjelleg pnzgyi hitelezse jelenti. A cgcsoport ebben az zletgban vrl vre a piacvezetk kztt szerepel. Az ad- s illetkszablyok jelenlegi rendelkezsei miatt a finanszrozsban a hangsly a pnzgyi lzingrl az operatv, brleti jelleg konstrukcik fel toldott. A jellemz futamid gpeknl 3-7 v, ingatlanoknl 7-15 v, de specilis esetekben 20 v feletti is lehet. Az Erste Group Immorent csoport elssorban vllalati gyfelekkel rendelkezik, kztte tbb jelents ingatlanforgalmaz- s fejleszt cg, kereskedelmi cg, illetve hotel tallhat, emellett egyre nagyobb rszt kpviselnek a fels oktatsi intzmnyekkel PPP konstrukciban kttt hossz tv infrastruktra-finanszrozsi gyletek. A fenti zletgakban kttt gyletek rtke a cgcsoportnl 2010.v vgig meghaladta a 402 milli eurt. A cgcsoport tevkenysgben j elem a nagy rtk ingatlanokhoz kapcsold projektfejleszts, melyek keretben bevsrlkzpontok, iroda illetve szlloda-fejlesztsek szerepelnek. Cg/cgcsoport ltal nyjtott szolgltatsok gp-berendezs finanszrozs haj, repl, vast finanszrozs ingatlanfinanszrozs Cg/cgcsoport ltal nyjtott termkek Pnzgyi lzing Operatv lzing Klcsn, hitel
The Erste Group Immorent concern, which is to 100 % owned by the Austrian Erste Group Bank, established two subsidiaries in 1999: Erste Group Immorent Leasing zRt. to deal with financial leasing, and Erste Group Immorent Kft. to deal with operative leasing. Since then, the Immorent Group in Hungary was completed by several project companies to finance valuable properties, and in smaller amount to finance machine pools by using long term loans partly provided by Erste Bank in Hungary, and partly by Erste Bank in Austria. The weight is on long term refinancing of commercial properties and financing starting (new) projects. In this segment the Erste Group Immorent is within the market-leaders year by year. In the financing sector the focus has moved from financial- to the operative leasing, to a kind of rental constructions. The reasons were new regulations for taxes and duties. Regarding machine pools, the tipical maturity goes from 3 to 7 years, in case of properties from 7 to 15 years, in special cases also over 20 years. First of all, the Immorent Group helds corporate clients and among them are well known, immportant real-estate investors, commercial companies, hotels, and a growing part is representend by deals for infrastructure developments, arranged with educational institutions in frame of PPP constructions. The volume of deals in this segment reached 402 million EUR in 2010. A new business component is the offering the whole range of project-development connected to high valued properties, involving the realisation of officebuildings, hotels and shopping malls. Our services: Machine and equipment financing Ship financing Real estate financing Our Products: credit, loans Financial leasing, operative leasing
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Leasing Yearbook
TAGOK MEMBERS
FHB Ingatlanlzing Zrt.

Address: H-1075 Budapest, Rumbach S. u. 15. Telephone: +36 1 461 6040 | Fax: +36 1 461 6041 E-mail: lizing@fhb.hu Website: www.fhblizing.hu Representative: Lontai Dniel CEO Establishment year: 2005 Owner: FHB Szolgltat Zrt.
Az FHB Ingaltlanlzing Zrt. 2011-ben kezdte el tevkenysgt, a Central European Credit Zrt. jogutdjaknt. A korbbi jelzlog alap termkstruktrt, mra lakossg s vllalatok szmra nyjtott zrt s nylt vg pnzgyi lzing vltotta fel. A lakossg szmra knlt finanszrozsi lehetsgek kztt megtallhat az j s hasznlt laksok finanszrozsa, szabadfelhasznls, illetve hitelkivlts. Specilis terletknt magnszemlyek ltal ignyelhet pnzgyi forrs nem lak ingatlanokra is. Vllalatoknak, igazodva ez egyedi ignyekhez beruhzshoz, forrsteremtshez, hitelkivltshoz egyarnt knl a Trsasg lzing konstrukcikat. A lzingtrgyak szles skln mozoghatnak, brmely vllalkozs cljait szolgl ingatlan lehet fedezet. A termkpaletta elrhet az FHB Kereskedelmi Bank Zrt. fikhlzatban is, mely az Allianz Bank Zrt. megvsrlsval 57 tag hlzatra bvlt 2010-ben. Az FHB Csoport szilrdan hisz benne, hogy a pnzgyi lzing termkek mra elengedhetetlen kellkei egy professzionlisan felptett banki termkpalettnak.
FHB Ingatlanlzing Ltd. started its activity in 2011, as assign of Central European Credit Ltd. The former mortgage house product structure has been changed into real estate based, closed and open ended financial leasing, provided for customers, and companies. In customer leasing the company provides sources in the financing of new and used flats, for buying, and also for free loan purposes, including redeeming existing loans. Special purpose can be the financing of non residential real estates. The company customizes its products for the unique needs of companies in every form of leasing finances. All type of real estate acceptable. Products are also available in 57 branches of FHB Bank, after the 2010 merge with Allianz Bank. FHB Group strongly believes that financial leasing is a crucial part of a professional built up bank product portfolio.
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Leasing Yearbook
TAGOK MEMBERS
Gas-Car Gpjrmklcsnz, Autpark-kezel s Szolgltat Kft.

Address: 8600 Sifok, F u. 262. Telephone: +36 (84) 505-439 | Fax: +36 (84) 505-974 E-mail: info@gascar.hu Website: www.gascar.hu Representative: Morcz Gbor, gyvezet Establishment year: 1994
F tevkenysg: Autpark-kezels, flottazemeltets A Gas-Car Kft. 1994 ta foglalkozik gpjrm flottakezelssel, mely tevkenysg szakmai htternek biztostka az alapt tagok tbb vtizedes gpkocsi zemeltetsi mltja. Tulajdonosi szerkezetnk lehetsget teremt a rugalmas, piaci ignyekhez maximlisan igazod mkdshez, melynek eredmnyeknt gyfeleink jelents rszvel tbb mint 10 ve dolgozunk egytt. Vllalati stratgink alapja partnereink rszre olyan teljes kr szolgltats biztostsa, melynek kzppontjban nem csupn a jrmpark pnzgyi finanszrozsa, hanem a gpjrmflotta zemeltetsvel kapcsolatos mindennem feladat elltsa ll. Ennek eredmnyeknt partnereink jrmvekkel kapcsolatos tevkenysge a jrm szakszer hasznlatig terjed, gy idejket s energijukat 100%-ban cgk f tevkenysgre fordthatjk. Az alapts ta eltelt hossz vek sorn szerzett tapasztalataink, vek ta megelgedett, visszatr gyflkrnk, munkatrsaink szakmai hozzrtse valamint az 1997 mjusa ta mkdtetett (TV Rheinland InterCert ltal tanstott) ISO 9001 minsgbiztostsi rendszer alapjn a vllalt szolgltatsainkat magas sznvonalon nyjtjuk megrendelinknek. Partnerink kztt tallhatk: nemzetkzi ipari, termel vllalatok, szolgltat s kereskedelmi cgek valamint Magyarorszgi kis- s kzpvllalkozsok egyarnt.
Gas-Car Kft. has provided fleet management services since 1994. The professional background is ensured by expertise of the founders who have several decades of car management experience. Our ownership structure enables us to run the company in a flexible, entirely market-oriented way, which results in over 10 years of co-operation with the significant majority of our clients. Our core corporate strategy is to provide such an allround service to our partners, which focuses not only on the car park financing but also on performing all kinds of task that may arise during the course of car fleet management. As a consequence, our partners car-related activities are confined to the usage of their vehicle so they can spend all their time and energy on the main activity of their company. Based on the long years of experience we have gathered since the establishment, our satisfied and regularly returning clientele, the professional expertise of our staff and our ISO 9001 quality management system that we have applied since May 1997 (certified by TV Rheinland InterCert) we can guarantee that we provide high quality services to our clients. Our partners include international industrial and manufacturing companies, service providers, trading companies as well as Hungarian small and medium-sized enterprises.
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Leasing Yearbook
TAGOK MEMBERS
IKB Pnzgyi Lzing zRt.

Address: H-1027 Budapest, Kaps u. 6-12. Telephone: +36 1 393 55 00 | Fax: +36 1 393 55 09 E-mail: info@ikb-leasing.hu Website: www.ikb-leasing.com Representative: Dr. Strbka Jnos, gyvezet igazgat / Managing Director Establishment year: 1999 Owner: IKB Leasing GmbH, IKB Leasing Berlin GmbH
IKB Leasing: stabil, nemzetkzi httr Trsasgunk a hamburgi szkhely IKB Leasing GmbH lenyvllalata, amely konszern szinten a dsseldorfi szkhely IKB Deutsche Industriebank AG-hez tartozik. Az IKB Deutsche Industriebank AG vezet szerepet tlt be a nmet kzpvllalatok hosszlejrat vllalatfinanszrozsnak terletn, az IKB Leasing pedig kzel 40 ves nmetorszgi tapasztalatval s immron 8 eurpai lenyvllalatval az egyik legnagyobb - gyrtktl fggetlen kifejezetten eszkzfinanszrozsra specializldott lzingtrsasgnak szmt. Ennek ksznhet, hogy kivl kapcsolatokat polunk a gyrt cgekkel s ipargi tapasztalatainkbl gyfeleink is profitlnak. IKB Leasing: Magyarorszg Tevkenysgnk slypontja haznkban is elssorban az eszkzfinanszrozs, amely ltalban a legnevesebb gyrtk ltal ellltott termeleszkzket, gpeket s berendezseket foglalja magban a gpipar, fmipar, nyomdaipar, manyagipar, lelmiszeripar, logisztika terletn. Tevkenysgnk lefedi mind az operatv (IKB Leasing Kft.), mind pedig a zrt s nylt vg pnzgyi lzing s az eszkz alap klcsn (IKB Pnzgyi Lzing Zrt.) terlett. Utbbi termknket elssorban az EU-s s llami tmogatssal megvalsul plyzatos beruhzsokhoz nyjtjuk gyfeleink rszre. Az IKB zletpolitikjban is megjelenik az sszes IKB lenyvllalatra jellemz kiemelked eszkz know-how, amely a portfolinkban egyedlllan magas operatv lzing hnyadot s professzionlis maradvnyrtk-kezelst tesz lehetv. Meglv gyflkrnk gpjrm-finanszrozsi ignyeinek kiszolglsn tlmenen egyb gazdlkod szervezetek rszre is kedvez felttelekkel knlunk teher- s szemlygpjrm finanszrozst. A 2010-ben a kt magyar trsasg ltal kihelyezett sszeg meghaladta a 46 milli EUR-t.
IKB Leasing: a solid international pedigree Our company is a subsidiary of IKB Leasing GmbH, itself an affiliate of IKB Deutsche Industriebank AG Dusseldorf, a long-term leading player among German institutions financing mid-sized company. IKB Leasing is a dynamic institution, whose success in Germany as one of the largest manufacturer-independent leasing companies can be attributed to its professional standards, flexibility and customer care. Its sister companies operate in 8 countries; The company has been a key player in Germanys leasing market for more than 40 years. This is due, largely, to its ability to foster good working relationships with manufacturers, the benefits of which extend to its industry clients as well. IKB Leasing: Hungary IKB Leasing has its main focus of activity on the local equipment financing. The equipments include a wide range of production machines of the most distinguished manufacturers of the machine industry, metalworking, printing industry, plastics industry, food industry, logistics. Its activity covers Operative leasing (via IKB Leasing Kft.), Finance leasing and Finance leasing with option and Equipment loan (via IKB Pnzgyi Lzing Zrt.). The latter product is mainly implemented to provide individual financing solutions for investments supported by the EU and the state subsidies. Its Corporate policy similar to all others IKB subsidiaries is based on excellent technical know-how, which enables the exceptional high Operative leasing rate in the portfolio and the professional handling of risk arising out of residual values. Beyond accommodating the demand of its clientele in car financing IKB Leasing provides wide variety of leasing solutions in car and truck financing for other companies as well. In the financial year 2010 the 2 Hungarian companies realized a combined new business of 46 million EUROS.
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Leasing Yearbook
TAGOK MEMBERS
Impuls-Leasing Hungria Pnzgyi Lzing Zrt.

Address: H -1097 Budapest, Knyves Klmn Krt. 12-14. II: em. Telephone: +36 1 577 3651 | Fax: +36 1 577 3699 E-mail: info@impuls-leasing.hu Website: www.impuls-leasing.hu Representative: Laki Csaba CEO, Dr. Heinz Reindl CEO Establishment year: 2007 Owner: Impuls-Leasing International AG, Laki Csaba
Az Impuls-Leasing cgcsoportnak Magyarorszg mellett mg ngy tovbbi Kelet-eurpai orszgban van kpviselete: Lengyelorszgban, Szlovkiban, Horvtorszgban s Romniban. A vllalat refinanszrozst Ausztria legnagyobb regionlis bankjn, a Raiffeisen-Landesbank Obersterreich AG-n keresztl kapja. A trsasg gp, berendezs, nagyhaszongpjrm s szemlyaut terletek finanszrozsban vllal szerepet a hazai piacon. Cg/cgcsoport ltal nyjtott szolgltatsok: gp-berendezs finanszrozs Tehergpjrm retail gpjrm Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Klcsn, hitel
Besides Hungary, Impuls-Leasing group has branches in four further Easern European countries: in Poland, Slovakia, Croatia and Romania. The Hungarian branch is refinanced via Ausrias biggest regional bank, Raiffeisen-Landesbank Obersterreich AG. We are ready to provide you with a wide range of financing forms including cusom-made solutions. Our services: retail motor car financing truck financing machine/equipment financing real-estate financing Our products: financial leasing operative leasing loan, credit
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Leasing Yearbook
TAGOK MEMBERS
ING Pnzgyi Lzing Zrt. / ING Brlet (Magyarorszg) Zrt.

Address: H-1068 Budapest, Dzsa Gyrgy t 84/B. Telephone: +36 40 30 33 30 | Fax: +36 1 255 5775 E-mail: info@inglease.hu Website: www.inglease.hu Representative: Dmtr Attila CEO Establishment year: 2005 Owner: ING Lease Holding N.V.
Az ING Lease Holding N. V. Eurpa 15 orszgban rendelkezik lenyvllalattal, kzel 20 millird EUR portfolival s 2500 fs alkalmazotti grdval a kontinens els t legnagyobb lzingcge kztt tartjk szmon. A holding bevteleinek jelents rsze az ltalnos eszkzlzing zletgbl szrmazik, amely ingatlan s eszkzfinanszrozsra pl. Cgnk, az ING Lzing Magyarorszg a Kzp-Eurpai trsg negyedik pillreknt 2005 janurjban kezdte meg tevkenysgt Lengyelorszg, Csehorszg s Szlovkia utn. Az ING Lzing Magyarorszg kizrlag vllalati gyfelekre sszpontostja figyelmt. Ennek rdekben a lzingelhet eszkzk tehergpjrm, ltalnos eszkz s ingatlan - rtkhatrban s tpusban minimlis megktst alkalmaz. Az ING Lzing Csoport bizonytva a rgi s a nvekeds irnti elktelezettsgt 2007 msodik felben megvsrolta a Citibank lzing lenyvllalatt, amely elssorban tehergpjrm lzing gyletekre specializldott. Az akvizci utni els lezrt zleti vben tovbb nvelve piaci rszesedst, az ING Lzing-csoport megerstette meghatroz szerept a corporate finanszrozk meznyben. A Csoport 2010-ben is tovbb erstette piaci pozcijt s a haszongpjrm finanszrozsban rzi vezet helyt. A portfoli diverzifiklsa rdekben a cg sikeresen elmozdult az egyb gpek, eszkzk finanszrozsnak irnyba. Fontos clkitzsnk a bank nagyvllalati gyflkrnek kiszolglsa - egyedi ignyekhez igaztott szolgltatssal s termk paramterekkel. Cg/cgcsoport ltal nyjtott szolgltatsok teheraut finanszrozs gp-berendezs finanszrozs ingatlanfinanszrozs Cg/cgcsoport ltal nyjtott termkek Pnzgyi lzing Operatv lzing Klcsn
ING Lease is among the 5 largest lease companies in Europe with subsidiaries in 15 countries. Headquartered in Amsterdam, ING Lease has nearly 2.500 employees. With the different labels in the field of general leasing, vendor leasing and asset-specialized leasing ING Lease has a total portfolio of EUR 20 billion. ING Lease Hungary started its operation at the beginning of 2005 being the 4th pillar in CEE region after Poland, Czech Republic and Slovakia. ING Lease Hungary is fully dedicated to provide lease related financing solutions to corporate clients. Providing full range of leasing services Truck Leasing, General Asset Leasing and Real Estate Leasing - ING Lease Hungary does not limit the type and range of assets or the minimum financing volume. During the second half of 2007 ING Lease further strengthened its presence in Hungary including its commitment to the region by acquiring the business of Citileasing formerly owned by Citibank. Citileasings portfolio is mainly focussed on truck leasing. In the first full year after this aquisition, ING Lease Hungary has increased its market share and maintained its detarminative position among corporate finance companies. ING Lease Hungary has strengthened further its market position in 2010 and keeps its leader position in truck financing. ING Lease Hungary took steps for the sake of its portfolio diversification and moved to the direction of other machinery and equipment financing successfully. One of our main targets is to serve the clientele of ING Bank N.V. Hungary branch with tailor made services and products. Our services: truck financing machine/equipment financing real-estate financing Our products: financial leasing operative leasing loan, credit insurance handling services
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KDB Bank (Magyarorszg) Zrt.

Address: H-1054 Budapest, Bajcsy-Zsilinszky t 42-46. Telephone: +36 40 532-532, +36 1 374-9900 | Fax: +36 1 328-5406 E-mail: kdbkontakt@kdb.hu Website: www.kdb.hu Representative: Harangoz Szabolcs, General Manager, Sales Division Establishment year: 1992 Owner: Korea Development Bank, Seoul (100%)
A KDB Bank Zrt. a Koreai Fejlesztsi Bank (The Korea Development Bank, Seoul) magyarorszgi lenyvllalata. Az anyabanki httr meghatroz jelentsg a magyarorszgi pnzgyi intzmny megtlst illeten, mivel kiemelked A besorolst kapott minden jelents hitelminst intzettl (Moodys: A2 - S&P: A - Fitch: A+) teht az egyik legmegbzhatbb s legbiztonsgosabb bank ll a KDB Bank mgtt, amelynek a Daewoo Bank volt a jogeldje (1990 2002). Legfontosabb lzingtermkeink kztt szerepelnek az opcionlisan beptett Casco biztostssal egytt vlaszthat, forint- vagy eur-alap standard gpjrmklcsnk magnszemlyek, egyni vllalkozk s vllalatok szmra egyarnt, tovbb a KDB Replrajt hitelkivltsos termk, valamint a KDB Padlgz szabad felhasznls hiteltermk gpjrmfedezet mellett. A flottafinanszrozsi s az eszkzlzing szintn rszt kpezi a lzingtevkenysgnek, amit szinten kvnunk tartani folyamatosan. Cg/cgcsoport ltal nyjtott szolgltatsok: retail szemlygpjrm finanszrozs flotta finanszrozs gp-berendezs finanszrozs haj, repl, vast finanszrozs ingatlanfinanszrozs egyb: folyszmla-vezets, KKV s vllalatfinanszrozs, forfetrozs, valamint faktoring Cg/cgcsoport ltal nyjtott termkek: pnzgyi lzing (zrtvg) klcsn, hitel integrlt biztostsi termkek (CASCO s utasbiztosts) egyb: bankkrtya, llampaprok
KDB Bank (Hungary) Ltd. is the subsidiary of The Korea Development Bank (KDB). The background of the mother company determines the judging of KDB Bank (Hungary) Ltd. as KDB has received outstanding A category from every significant credit rating institution (A2 by Moodys, A by S&P, A+ by Fitch). These ratings outline the fact that one of the most trustful and secure bank stands behind KDB Bank (Hungary) Ltd. which is by the way the successor of Daewoo Bank (Hungary) Ltd. which operated from 1990 to 2002. Beside our standard car-financing loan product, which is available also with built-in CASCO option (CHF or EUR or HUF-based), our most important leasing products are the KDB Starting Fly loan redemption and the car collateral-based KDB Pedal to the Metal any-purpose loan. The car fleet financing and the asset leasing take also part of the leasing activity which will be maintained on the present level in the next year as well. Our services: retail automobile financing car fleet financing machinery and equipment financing ship, airplane and railway financing real estate financing other: account keeping, corporate lending, factoring, forfeiting Our products: financial leasing loans, credit integrated insurance services (CASCO and travel insurance) other: bank card, bonds
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Leasing Yearbook
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K&H Lzingcsoport
Address: H -1068 Budapest Dzsa Gyrgy t 84/a Telephone: +36 1 236 8900 | Fax: +36 1 236 8200 E-mail: lizing@kh.hu Website: www.khlizing.hu Representative: Ren Van Rooij Establishment year: 2001 Owner: K&H Bank
A K&H Lzingcsoport a K&H Csoport tagja, mely a magyar lzingpiac meghatroz szerepljeknt minden ignyt kielgt, professzionlis pnzgyi megoldsokat knl a lakossg, KKV s vllalati gyflszegmens szmra - legyen sz tehergpjrm-, termeleszkz-, ltalnos eszkz-, ingatlan-, gpjrm-, vagy flotta-finanszrozsrl illetve autpark-kezelsrl. A K&H Lzingcsoport termkei az egsz orszgban knnyen elrhetek. A K&H Bank tbb mint 240 fikjban, a K&H Lzingcsoport budapesti kzpontjban s vidki irodiban, valamint gp, berendezs gyrt s/vagy forgalmaz partnereinken keresztl llunk gyfeleink rendelkezsre. Klcsn, pnzgyi lzing s brlet konstrukciink forint s eur alapon vehetk ignybe, melyekhez kiegszt szolgltatsok szles skljt knljuk. K&H Csoport tagjaknt a K&H Lzingcsoport szorosan egyttmkdik a K&H Bankkal s a K&H ltalnos Biztostval. Az gy felhalmozott tapasztalatokat felhasznlva olyan innovatv kombinlt pnzgyi megoldsokkal llunk gyfeleink rendelkezsre, melyek egyedlll elnyket biztostanak szmukra. Cg/cgcsoport ltal nyjtott szolgltatsok Lakossgi szemlygpjrm finanszrozs Flotta gpjrm finanszrozs s teljes flottaszolgltats Teheraut finanszrozs Gp-berendezs finanszrozs Ingatlanfinanszrozs Cg/cgcsoport ltal nyjtott termkek Pnzgyi lzing Operatv lzing Klcsn, hitel Biztosts-kzvetts
K&H Leasing Group is a member of the K&H Group, which, as a key player in the Hungarian leasing market, offers professional financial solutions, meeting even the highest demands, to the retail, SME and corporate segments; whether its the financing of heavy goods vehicles, production equipment, general equipment, real estate, car, fleets; or the management of a car fleet. K&H Leasing Groups products are easily accessible throughout the country. We serve our customers via over 240 K&H Bank branches, the Budapest and countryside offices of K&H Leasing Group and machinery and equipment vendor partners. Our loan, financial leasing and lease products are available in HUF and EUR, complete with a wide range of supplementary services. As part of the K&H Group, K&H Leasing Group closely cooperates with K&H Bank and K&H General Insurance Ltd. The accumulated knowledge enables K&H Leasing Group to offer innovative combined financial solutions to its customers that provide unique advantages. Our services: Retail car financing Fleet automobile financing and Full service car leasing Commercial road vehicle financing Machine and equipment financing Real estate financing Our Products: Financial leasing Operational leasing Loans, credit Insurance brokerage
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Kszpnz-Lzing Pnzgyi Zrt.

Address: H -8000 Szkesfehrvr, Mrtrok tja 5. Telephone: +36 22 340 975 | Fax: +36 22 505 858 E-mail: info@keszpenz.hu Website: www.keszpenz.hu Representative: Frhcz Imre CEO Establishment year: 1998 Owner: Kszpnz-Invest Szolgltat s Kereskedelmi Kft., Kszpnz Kereskedelmi s Pnzgyi Tancsad Zrt.
A Kszpnz Lzing Zrt. 1999. vben kezdte meg 50 milli forintos alaptkvel a tevkenysgt. Az els gazdasgi vben 26,5 milli Ft mrleg szerinti eredmnyt realizlt. 2000. ben az alaptskori 50 milli Ft-os jegyzett tkt 350 milli Ft-ra emelte. Az egyes gazdasgi vekben a forgalom s a nyeresg tovbb nvekedett. Trsasgunk a kapcsolatptst s zletktseit szkesfehrvri irodjbl bonyoltja. A gpjrm lzingszerzdsek fleg a lakossgi szektorban ktdtek meg. Trsasgunk nyitott az ingatlan pnzgyi lzing piaca fel. Az ingatlan trgy lzingszerzdsek finanszrozsi arnya a 33 %-ot tette ki. A vllalkozs tulajdonosi szlon nem ktdik egyetlen multinacionlis pnzgyi csoporthoz, vagy befektethz sem, kls forrsait nhny kereskedelmi bankkal kialaktott tarts egyttmkds rvn szerzi meg. gyfeleink, zleti partnereink elssorban kisvllalkozsok, egyni vllalkozk, magnszemlyek. Sikernket a ms hitelintzetekhez kpest rugalmas feltteleink, gyors dntsi folyamatunk s gyintzsnk alapozza meg. Az j partnereinknl szleskr hitelkpessg vizsglatot folytatunk, mely kiterjed a rszletes gyflminstsre s a szigor fedezetrtkelsre is. Az elmlt vekben a gpjrm piac cskkensvel a tevkenysgnkben eddig kisebb arnyt kpviselt egyb terletek Mezgazdasgi gpek, szmtstechnikai eszkzk, termel berendezsek, ingatlanok pnzgyi lzingelsi lehetsgt knljuk s ajnljuk a piacon. Trsasgunk az zleti partnerek bvtst clozta meg, melynek elrshez nagyobb hangslyt kvnunk fektetni a marketing s reklmtevkenysgre. A Kszpnz Lzing Zrt. sajt nvekv vagyoni helyzete, a hitelez pnzintzetek tovbbi bizalma cgnk irnt, valamint a nagy tapasztalattal rendelkez csapatunk sikeres munkja bizonytja, hogy trsasgunk a kialaktott j zletpolitikjval a jvben is eredmnyesen tud mkdni. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs teheraut finanszrozs gp-berendezs finanszrozs ingatlanfinanszrozs lakslzing Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Lzingvknyv [ 47 ]
Keszpenz Lzing Inc started its operations in 1999 with a base capital of 50 million HUF. Int he first economical year, the company realized a net profit of 26.5 million HUF. In year 2000, its base capital had been raised to 350 million HUF. In the successive business years both turnover and profit had grown.Our companys headquarter is located in Szekesfehervar. Car lease contracts were mostly popular among private customers. The company entered the real eastate leasing market. 33% of outstanding debts were real estate leasing. The undertaking is not conntected to any multinational companies or investors, its financing is based on commercial bank loans. Our customers are mostly small businesses or private people. Our success is based on our flexibility, fast decesion making procedure and operations. In case of new customers a thorough credit analysis is conducted, putting special emphasis on customer ratings and collateral. With the decrease of the car leasing market, we focus on fields like agricultiral, IT, and different production assets leasing as well as real estates. We had small niche on these markets before. To increase the number of potential customers, we pay much more attention to marketing and advertising. Keszpenz Lzing Incs increasing own captial, its experienced stuff and good banking relations proves that the company can successfully operate in the long run. Our services: retail automobile financing Commercial road vehicle financing Machine and equipment financing Real estate financing Residential real estate leasing Our Products: Financial leasing
Leasing Yearbook
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LeasePlan Hungria Zrt.

Address: H -1113 Budapest, Bocskai t 134-146. Dorottya-udvar Telephone: +36 1 236 3636 | Fax: +36 1 236-3699 E-mail: ugyfelszolgalat@leaseplan.hu Website: www.leaseplan.hu Representative: Roelof Hansman, Managing Director Establishment year: 1994 Owner: LeasePlan Corporation
A holland anyavllalattal rendelkez LeasePlan piacvezet a hazai s a nemzetkzi flotta- s gpjrmkezelsi piacon. A LeasePlan lenyvllalatai mind az t fldrszen, tbb mint 30 orszgban vannak jelen. Cgnk mra kzel 6000 alkalmazottat foglalkoztat globlisan, sszesen 1,3 milli jrmvet s 13,6 millird eur rtk lzingportfolit kezel. Erssgnk, hogy proaktv flottakezelknt gyfeleink szmra vilgszerte testre szabott megoldsokat biztostunk, mikzben a gpkocsik teljes futamidre vettett kltsgeit alacsony, a gpjrmvezetk elgedettsgt magas szinten tartjuk. A LeasePlan 1994-ben kezdte meg magyarorszgi mkdst, mint gpjrm flottakezel. Mra haznkban 9000 autval kzel 400 gyfelet szolglunk ki. Partnereink kztt olyan jelents cgeket tallunk, mint pldul az IBM, az E.on s a Metro. Az elmlt tbb mint 15 v sorn a LeasePlan Magyarorszgon is fenntartotta piacvezet szerept, hiszen a hazai gpjrmpark
LeasePlan with a Dutch parent company is the local and global market leader in fleet and vehicle management. The company is present in over 30 countries on five continents. LeasePlan employs nearly 6,000 people worldwide, manages 1.3 million vehicles and a lease portfolio of EUR 13.6 billion. Our aim and strength lies in our proactive fleet management approach where we provide our clients with tailor-made solutions, drive down the total cost of ownership of their fleet and increase their drivers satisfaction and convenience. LeasePlan entered the Hungarian fleet management market in 1994. Today with our fleet management and financing service we serve nearly 400 clients (e.g. IBM, E.on, Metro) with around 9,000 vehicles. LeasePlan has managed to hold its market leading position in the past 15 years with dominating approximately one third of the Hungarian vehicle lease and management market.
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Lombard Lzing Csoport

Address: H-6720 Szeged, Somogyi u. 19. Telephone: +36 62 564 700 | Fax: +36 62 564 760 E-mail: secretary@szeged.lombard.hu Website: www.lombard.hu Representative: Domonkos Andrs CEO Establishment year: 1991 Owner: VR Leasing AG (91,73 szzalkos rszeseds), VB Leasing International GmbH (8,26 szzalkos rszeseds), Lombard Invest Kft. (0,01 szzalkos rszeseds)
A Lombard Lzing Csoport vek ta a magyarorszgi finanszrozsi piac meghatroz szereplje. A cg jogeldjt ngy magnszemly alaptotta 1991 vgn. Szkhelyk Szegeden van; a Lombard az egyedli vidki szkhellyel rendelkez finanszroz cg. A cgcsoport kzvetlen tulajdonosa s legfontosabb nemzetkzi szakmai partnere a VR-Leasing Ag., amely Nmetorszg legnagyobb gyrt-fggetlen lzingtrsasga, a nmet Volksbank s Raiffeisenbank csoport tagja. Stabil htterket a DZ Bank biztostja. A Lombard legnagyobb mlttal s portflival rendelkez zletga a Gpjrm-finanszrozsi zletg, amely 2010-ben az SZGK szegmensben megtartotta dobogs els helyt a finanszrozk kztt brutt gprtk alapjn. Keresked partnereivel val egyttmkdsnek, valamint kiterjedt irodahlzatnak ksznheten, mrkafggetlen finanszrozsi j s hasznlt szemlygpkocsik, kishaszon-gpjrmvek, valamint motorok finanszrozshoz is elrhetek lzing- s hiteltermkeik. Vllalati gyfeleik rszre teljes kr flottakezelsi s flotta-finanszrozsi szolgltatsokat is knlnak. Termeleszkz-finanszrozsi zletguk az eszkzfinanszrozs specialistjaknt a tehergpjrmvek, mezgazdasgi gpek, pt- s anyagmozgat gpek mellett ipari berendezsek s egyb specilis eszkzk finanszrozsval foglalkozik. Vllalati gyfeleik rszre nyltvg pnzgyi lzing, zrtvg pnzgyi lzing, hitel s tarts brlet konstrukciik mell szmos, az egyni gyflignyeket is kielgt kiegszt szolgltatst nyjtanak. Ingatlan-finanszrozsi zletguk klnbz lzings hitelkonstrukcikat knl lakossgi gyfeleinek, melyek segtsgvel kedvez felttelek mellet juthatnak lakshoz vagy szabadon felhasznlhat forrshoz. Vllalati lzing- s hitelkonstrukciikat olyan kis- s kzpvllalkozsoknak knljk, akik irodt, ipari, kereskedelmi, mezgazdasgi vagy egyb ingatlant kvnnak megvsrolni, illetve beruhzst terveznek. A Lombard piaci pozcija mindig is meghatroz volt. Cljuk a teljes kr eszkzfinanszrozs, ahol a stratgit, a folyamatokat, a termkeket gyfeleik szempontjainak figyelembevtelvel, hossz tvra alaktjk, s fejlesztik folyamatosan. A Lombard Lzing Csoport a magyarorszgi lzingpiac legnagyobb tapasztalattal rendelkez, bank-fggetlen piacvezet magyar szereplje, amely szles kr finanszrozsi megoldsokat nyjt lakossgi s vllalati gyfeleinek. Lombard Lzing Group has been a key player of the
Hungarian financing market for years. The predecessor of the company was founded by four individuals at the end of 1991. The company is headquartered in Szeged which makes Lombard the only financing company with a registered office in the countryside. The group's direct shareholder and key international professional partner is VR-Leasing Ag., Germany's largest non-captive leasing company, a member of the German Volksbank and Raiffeisenbank group. Their robust background is guaranteed by DZ Bank. Lombard's oldest business line with the largest portfolio is the Motor Vehicle Financing Division that ranked first among financiers in 2010 based on gross asset value. Owing to the cooperation with their dealer partners and their wide-ranging branch network, Lombard's non-captive financing services are marketed across the whole country. Their lease and loan products are available to finance passenger cars, light goods vehicles and motorcycles. They also offer comprehensive fleet management and fleet financing services to their corporate customers. Their Production Equipment Financing Division specialises in asset financing, including heavy goods vehicles, agricultural, construction and materials handling machines as well as industrial equipment and other special assets. Beside the open-end finance leases, closed-end finance leases, loan and hire purchase arrangements, they also offer a number of additional services to their corporate customers to meet special customer needs. Their Property Financing Division offers various lease and loan arrangements to retail customers through which they can buy a flat or take out an open mortgage loan under favourable conditions. They recommend their corporate lease and loan arrangements to small and medium sized companies that wish to purchase or build an office or an industrial, commercial, agricultural or other property. Lombard has always been a key market player. Their aim is to provide comprehensive asset financing services where customers' needs are taken into account in the long-term development of strategy, processes and products. Lombard Lzing Group is the non-captive market leading company of the Hungarian leasing market with a proven track record that provides comprehensive financing services to its retail and corporate customers.
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Mercedes-Benz Credit Zrt.

Address: H-1133 Budapest, Krpt u.21. Telephone: +36 1 880-6066 | Fax: +36 1 880-6099 E-mail: ugyfelszolgalat@daimler.com Website: www.mercedes-benz-credit.hu Representative: Horst Wohlfart CEO Establishment year: 1994 Owner: Daimler AG
A Daimler-Benz konszern 1994 mjusban jelent meg a magyar lzing- s finanszrozsi piacon. A Chrysler mrkval trtnt egyesls tbb ves sikeres egyttmkdst jelentett a cg letben. 2007 augusztusban a konszern a Chrysler rszt a Cerberus pnzgyi befektetnek adta el, gy a neve Daimler AG-re vltozott. Az anyacgben trtn vltozsokat kvetve 2008 janurjtl visszatrtnk a magyar piacon mr jl ismert, Mercedes-Benz mrkanvhez. gy a magyar Mercedes-Benz Financial Services cgcsoport 3 cg tevkenysgt leli fel. A Mercedes-Benz Credit Zrt. a pnzgyi lzinget, a Mercedes-Benz Leasing Kft. a brleti konstrukcikat, a Mercedes-Benz Broker Kft. pedig az azokhoz kapcsold teljes kr biztostsi szolgltatst nyjtja gyfelei rszre. 2008 szeptembertl Romniban is megalakult hasonl felllsban, hasonl nevekkel s tevkenysgi krkkel a Mercedes-Benz Financial Services. A cg mkdst a magyar cg gyvezet igazgatja vezetsvel rszben Magyarorszgon, rszben helyi alkalmazottak biztostjk, n. shared services rendszer keretben. A magyar lenyvllalatok a Daimler Financial Services cgcsoporthoz tartoznak, amely 40 orszgban van jelen kb. 6500 alkalmazottal. A cgcsoport tevkenysgnek slypont-ja a magyar Mercedes-Benz dealer hlzat rtkestsnek a tmogatsa, egyttmkdve a generlimportr Mercedes-Benz Hungria Kft-vel. A cg filozfija jrmvet s finanszrozst egy kzbl, azaz a Daimler gyfeleinek teljes kr s kivl szolgltatst kell kapniuk a vsrls eltt s azt kveten egyarnt. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs teheraut finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Biztosts-kzvetts
The former Daimler-Benz corp. came to the Hungarian leasing- and financing market in May 1994. The merger with Chrysler in 1998 brought several years of successful cooperation. In August 2007 the corp. sold its Chrysler shares to Cerberus, a financial investor company and consequently the company name changed to Daimler Corp. Going along with the mother company our company name changed from January 2008 to the strong and well-known brand of 'Mercedes-Benz'. Thus, the Hungarian Mercedes-Benz Financial Services group comprises 3 companies: Mercedes-Benz Credit Zrt. concludes the financial leasing, Mercedes-Benz Leasing Kft. the rental contracts and Mercedes-Benz Broker Kft. gives the whole insurance for all the clients of these companies. In September 2008 the Romanian MBFS was established with similar construction, similar names and activities. The company is directed by the Hungarian general manager. Employees work partly in Hungary partly in Romania in a so-called shared services system. The Hungarian subsidiaries belong to Daimler Financial Services group that operates in more than 40 countries with more than 6.500 employees. Our main target is to support the sales of the Hungarian Mercedes-Benz dealers in cooperation with the importer Mercedes-Benz Hungria Kft. With this sales strategy, Mercedes-Benz Financial Services will continue its successful business policy of the "One-Stop-Shopping Principle", which means that the customers can get vehicles and all related financing and insurance services from their MercedesBenz dealership in highest quality. Our services: retail automobile financing commercial road vehicle financing Our Products: financial leasing operative leasing insurance
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Merkantil Bank Zrt.

Address: H-1051 Budapest, Jzsef Attila utca 8. Telephone: +36 1 2 68 68 68 | Fax: +36 1 2 68 68 80 E-mail: informacio@mail.merkantil.hu Website: www.merkantil.hu Representative: Dr. Utassy Lszl CEO Establishment year: 1988 Owner: OTP Bank Nyrt.
A Merkantil Bank 1988-ban az Orszgos Kereskedelmi s Hitelbank lenybankjaknt kezdte meg a mkdst, mint szakostott pnzintzet, ahol elssorban vltleszmtolssal, faktoringgal s lzinggel foglalkozott. 1992-ben a Merkantil Bank tevkenysgi krt vltott, Magyarorszgon elsk kztt knlta a szemlygpkocsik rszletre trtn rtkestst. 1996-ban lezajlott a bank privatizcija, aminek kvetkeztben a Merkantil Bank Zrt. a legnagyobb hazai pnzintzet, az OTP Bank Nyrt. 100%-os tulajdonba kerlt. A Merkantil Bank a SUZUKI-ITOCHU-val 2003-ban kzs pnzgyi szolgltat trsasgot alaptott, s egyben elindtotta a SUZUKI kszletfinanszrozst. Az OTP Bank klfldi akvizcis politikjhoz kapcsoldva 2005-tl kezdden lzing trsasgok alaptsra kerlt sor Bulgriban, Horvtorszgban s Romniban. A Merkantil Bank, mint a hazai gpjrmfinanszrozsi piac meghatroz szereplje, a piaci ignyek felmrse utn elindtotta az Ingatlan- s a termeleszkz finanszrozsi zletgait. A Termeleszkz Finanszrozsi zletg j s hasznlt gpek s berendezsek finanszrozsra nyjt teljes kr megoldst. A Merkantil Bank stratgiai clul tzte ki, hogy a gpjrm-finanszrozshoz hasonlan a termeleszkz-finanszrozsban is meghatroz piaci szereplv vljon, gyfelei magas szakmai s szolgltatsi sznvonalon trtn kiszolglsa mellett. Kiemelt helyen szerepel stratgiban a mezgazdasg, az egszsggy, a szlltmnyozs s fuvarozs, a kommunlis, valamint a helyi s a tvolsgi szemlyszllts eszkz-beszerzseinek finanszrozsa. Cg/cgcsoport ltal nyjtott szolgltatsok: gpjrm finanszrozs flottafinanszrozs termeleszkz finanszrozs befektets forintfolyszmla-vezets hitelezs Cg/cgcsoport ltal nyjtott termkek: pnzgyi lzing klcsn, hitel operatv lzing
Merkantil Bank began its operation as a subsidiary of the OKHB Bank in 1988 as a specialized financial institution primarily involved in discounting of bills, factoring, and leasing. In 1992, Merkantil Banks activities changed to become one of the first companies in Hungary to offer cars on hire purchase. The bank was privatized in 1996 and, as a result, Merkantil Bank Zrt became 100% ownership of the largest Hungarian bank, OTP Bank Nyrt. In 2003, Merkantil Bank established a joint venture with SUZUKI-ITOCHU to provide financial services and began to finance SUZUKIs stock. In connection with OTP Banks foreign acquisition policy, leasing companies were established in Bulgaria, Croatia and Rumania from 2005. After assessing demand, Merkantil Bank being a dominant player in the Hungarian car financing market launched its Property and Capital Goods Financing Business Units. The Capital Goods Financing Business Unit provides a complete solution for financing new and second hand machines and equipment. The strategy of Merkantil Bank is aimed at becoming, similarly to car financing, a major operator in capital goods financing as well as serving its clients in high professional and service quality. Its strategy focuses on financing the acquisition of assets in the areas of agriculture, healthcare, freight forwarding and transportation as well as public, including local and long-distance, transport. Services provided by the company/company group: car financing fleet financing capital goods financing investment account management in Forint lending Products provided by the company/company group: financial leasing loan, credit operational leasing
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TAGOK MEMBERS
Merkantrade Zrt.
Address: H-1012 Budapest, Lovas utca 6/a Telephone: +36 1 212 1968 | Fax: +36 1 212 1967 E-mail: merkantrade@merkantrade.hu Representative: Dr. Tamsi Andrs CEO Establishment year: 1990 Owner:
A MERKANTRADE Zrt. a Merkantrade Kft.-bl alakult t 1993. december 30.-n. A Kft 1990. mrcius 29-n alakult. A trsasg gpjrmvek, termel eszkzk, ingatlanok lzing, illetve brlet keretben trtn finanszrozsra jtt ltre. A cg rszvnytrsasgg alakulsval egyidejleg a tulajdonosok jabb trzstke emelst hajtottak vgre, melynek eredmnyeknt a ZRt. trzstkje 50.000.000 Ft lett. Jelenleg az Emiker Zrt s a Merkantrade Zrt. brlet jelleg operatv lzing, illetve tarts brlet - gyleteket bonyolt. Az Emiker Zrt. fleg szemlyautk s kisteherautk finanszrozsa szakosodott, mg a Merkantrade ZRt. kamionok, flptkocsik, autbuszok illetve gpek s berendezsek lzingbeadsval, illetve tarts brletbe adsval foglalkozik. Az M & E Lzing Zrt.-t 1998 novemberben a Merkantrade s az Emiker Zrt 50-50 %-os tulajdoni rszesedssel hozta ltre pnzgyi lzing s kisebb rszben hitelgyletek finanszrozsra. Az elmlt vben az gyletek volumene nvekedett az elz vekhez kpest, a legjelentsebben a faktoring tevkenysg dinamikus nvekedse volt jellemez. gyflkr rtkelse: A cgcsoport hossz vek ta alapveten zrt gyflkrrel mkdik. A partneri struktra ipargi szempontbl vltozatos s szertegaz. A cgcsoport a KKV krben ismert a legjobban. A jvben sem kvnunk zleti stratginkon s gyflkrnk sszetteln vltoztatni Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs teheraut finanszrozs gp-berendezs finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing
MERKANTRADE Rts predecessor was Merkantrade Kft which was transformed on 30 December, 1993. The Kft was established on 29 March, 1990. The company was established with the purpose of financing vehicles, production assets and real estate through lease or rent. When transformed into a joint stock company, the owners increased equity capital as well, as a result of which the equity capital of the Zrt reached HUF50,000,000. At present, Emiker Rt and Merkantrade Rt deal in operating lease deals. Emiker Rt focusses mainly on the lease of passenger cars and small commercial vehicles, while Merkantrade Zrt deals with the lease of lorries, semitrailers and also of other machinery. M & E Lzing ZRt was established in 1998 by Merkantrade Zrt and Emiker Zrt, each holding a 50% share in the company. The company was formed to finance smaller loans and deal with finance leasing. 2006 saw an increase in the volume of deals over the previous years, with the factoring activity dynamically growing as well. Clientele assessment The group has for long been operating with a closed clientele. From the point of view of the branches of industry, the clientele structure is varied and farreaching. We are not planning to change either our business strategies or the composition of our client portfolio. Our services: retail automobile financing Commercial road vehicle financing Machine and equipment financing Our Products: Financial leasing
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MKB-Euroleasing Csoport
Address: H-1022 Budapest, Bimb t 56. Telephone: +36 1 345-2424 | Fax: +36 1 345-2446 E-mail: info@euroleasing.hu Website: www.euroleasing.hu, www.autohitel.hu Representative: Farkas Balzs CEO Esablishment year: 1991 Owner: Farkas Balzs, Fejes Lszl, Rutai Istvn, Zldi Pter, Szakl Zoltn, MKB Bank Zrt.
Az MKB-Euroleasing cgcsoport 1991-ben alakult azzal a szndkkal, hogy a gpjrm-rtkestshez kapcsold szolgltatsok teljes krt lefedje. Az azta eltelt kzel kt vtized az alaptk szndkt igazolta. 2001-tl az MKB Bank tulajdonostrsknt vllalt szerepet munknkban. Jelenleg cgcsoportunk az egyetlen szolgltat a magyar piacon, mely a szemlygpjrmhz kapcsold szolgltatsi lnc sszes tevkenysget felvllalja. Ezt tbbek kztt azzal rtk el, hogy az egymsra pl tevkenysgeinket sszehangoljuk, azok egymssal szorosan egyttmkdnek. Szleskr nemzetkzi kapcsolataink segtenek szolgltatsi minsgnk folyamatos fejlesztsben. Eurpban szinte egyedlll mdon kzs vllalatunk van a Toyota mrka kzponti finanszrozsra ltrehozott Toyota Financial Services-zel, stratgiai partnerei vagyunk a Banque PSA Finance magyarorszgi lenyvllalatnak, a HONDA, illetve a FIAT hazai rtkestsi kzpontjnak. Jelenleg tbb mint 1000 ember dolgozik cgnknl. Olyan munkahelyi krnyezetet teremtettnk, ami kell szellemi szabadsgot biztost minden itt dolgoz embernek. Munkatrsaink kzel fele tbb mint t ve dolgozik nlunk, s ez mindenkppen jl szemllteti munkakzssgnk megtart erejt. zletgaink: - Gpjrm-finanszrozsi zletg: Cgcsoportunk legels zletga. Hitel- s lzingkonstrukciink gpjrm-finanszrozsra, kereskedi kszlet-finanszrozsra fordthatk, valamint van gpjrmfedezet, szabad felhasznls hitelnk. - Autpark-kezelsi zletg: zletgunk a flottakezelsi piacon az les verseny ellenre is stabilan ll, ksznheten folyamatosan bvl, minsgi szolgltatsaiknak, melyekkel nem csak, hogy maximlisan kiszolgljk, de hossz tvon meg is tartjk gyfeleiket. - Biztosts-kzvettsi zletg : Biztostskzvett zletgunk nem csak a gpjrmvekkel kapcsolatos biztostsi s alkuszi szolgltatsokat knl, szolgltatsai lefedik a biztostsi termkek teljes skljt. - Gpjrm-kereskedelmi zletg: Kereskedelmi zletgunk Magyarorszg legnagyobb tbbmrks gpjrmkereskedelmi hlzata; forgalmazott mrkink kztt megtallhat az Alfa Romeo, a Citron, a Fiat, a Ford, a Volvo, a Honda, a KIA, a Mazda s a Toyota. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs flotta gpjrm finanszrozs teheraut finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Klcsn, hitel Operatv lzing Biztosts-kzvetts Gpjrm rtkests Lzingvknyv [ 53 ]
MKB-Euroleasing Group was founded in 1991 with the aim of covering the full range of services related to automobile sales. The almost two decade elapsed since that justified the intent of the founders. Since 2001 MKB Bank has been taking a role in our work as a co-owner. Currently our Group is the single service provider on the Hungarian market, which undertakes all activities of the service chain relating to passenger cars. We achieved this among other things by coordinating our activities built on each other, thus the activities are closely cooperating. Our widerange international connections help us in continuously developing the quality of our services. In a virtually unique way in Europe we have a joint venture with Toyota Financial Services established for the central financing of the Toyota brand, we are strategic partners of the Hungarian subsidiary of Banque PSA Finance and of the Hungarian sales centre of FIAT and HONDA. More than 1000 persons are currently working with our company. We created a work environment, which ensures the due intellectual freedom for all people working here. Almost half of our colleagues have been working with us for more than five years, which illustrates well the retaining power of our work collective. Our business fields: - Motor vehicle financing business field It is the very first business field of our Group. Our credit and financial leasing schemes can be used for motor vehicle financing and dealers stock financing, and we have free-use loans covered by motor vehicle as well. - Car fleet management business field Our business field stands secure on the fleet management market in spite of the acute competition, thanks to our continuously expanding quality services, with which we do not only serve our clients at the highest level but also ensure their loyalty on the long term. - Insurance brokerage business field Our insurance brokerage business field does not only offer insurance and brokerage services relating to motor vehicles, but its services cover even the full range of insurance products. - Motor vehicle trade business field Our trade business field is the largest multi-brand motor vehicle trade network in Hungary; Alfa Romeo, Citron, Fiat, Ford, Volvo, Honda, KIA, Mazda and Toyota are to be found among the brands distributed by us. Our services: retail automobile financing fleet automobile financing Commercial road vehicle financing Motor vehicle trade Our Products: Financial leasing, operative leasing, credit, loans insurance Leasing Yearbook
TAGOK MEMBERS
Ober Pnzgyi Lzing Zrt. Ober Immo Truck Zrt.

Address: H-1062 Budapest, Vci t 1-3. C torony, IV. emelet Telephone: +36 1 298 28 00 | Fax: +36 1 298 28 39 E-mail: oberlizing@oberlizing.hu Website: www.oberlizing.hu Representative: Ndas Mihly, Bernyi Gbor, Friedrich Rehrl CEO Esablishment year: 2006 Owner: Oberbank Leasing GmbH, Oberbank AG
Cgnk, a fels-ausztriai, linzi szkhely Oberbank csoport lenyvllalata Magyarorszg egyik meghatroz eszkzfinanszroz trsasga. A csoport fejldst a gazdasgi vlsg sem trte meg, bankkzi piacoktl fggetlen portflija lehetv teszi, hogy 5 kzp-eurpai orszgban stabilan kpviseltesse magt. Magyarorszgon a fvros mellett 5 megyeszkhelyen mkdik az Ober Lzing, Gyrben, Szombathelyen, Pcsen, Kecskemten s Debrecenben. F piaci terleteink a tehergpjrmvek, ptgpek, valamint a gp-berendezsek finanszrozsa, de tovbbi finanszrozsi ignyekre is megoldst knlunk, gy nem zrkzunk el a szemlygpjrmvektl s az ingatlanfinanszrozstl sem. gyflkrnkben egyarnt megtallhatak az ers hazai kis- s kzpvllalkozsok, valamint multinacionlis cgek is. Az anyacg hagyomnyainak megfelelen alapfilozfink az gyflkzpontsg, gy az igen fontos vendorkapcsolatok mellett, gyfl-akvizcis stratgink keretben kiemelt figyelmet fordtunk leend partnereink alapos megismersre, majd szmukra a lehet legmegfelelbb finanszrozsi megoldsok kivlasztsra.
Our company the subsidiary of the Austrian Oberbank Group based in Upper Austria, Linz is one of the determining financer of production facilities in Hungary. The groups development wasnt broken by the economic crisis, his portfolio independent of the interbank market enables his stabile presence in 5 Central-European countries. In Hungary, Ober Lzing operates besides the capital Budapest in 5 county capitals, Gyr, Szombathely, Pcs, Kecskemt and Debrecen. Our primary market segments are financing of trucks, construction machines as well as machines and equipments, but we offer solutions for further funding requirements, so we dont refuse automobile or real estate finance. Under our customers are potent domestic small and middleclass companies, or multinational corporations. According to the traditions of the holding company our basic philosophy is customer orientation, so beside the very important vendor connections in his strategy of customer acquistion it is of particular importance to get thoroughly to know our potencial partners, and then to choose the most adequate financing solutions for them.
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OTP Lakslzing Zrt.

Address: H-1012 Budapest, Vrmez t 4. Telephone: +36 1 457 9800 | Fax: +36 1 457 9801 E-mail: info@otplakaslizing.hu Website: www.otplakaslizing.hu Representative: Dr. Dunavlgyi Mria CEO Establishment year: 2005 Owner: OTP Bank
Az OTP Lakslzing Zrt. a lakslzing piac meghatroz szereplje. Tevkenysgben tovbbra is jelents szerepet jtszik az j laksok lzingelse, de emellett sikeres termk a hasznlt laks lzing s a szabad felhasznls lzing is. Az OTP Lakslzing Zrt. termkei orszgszerte 400 OTP fikban rhetk el, az OTP Csoport teljes jog tagjaknt igyekszik feltrni s kiaknzni mind a termkfejlesztsben, mind az rtkestsben a lehetsges szinergikat. A cg hossz tv clja tovbbra is a fogyaszti ignyeket kvet, innovatv piaci magatarts, a laksfinanszrozsi piac lehetsgeinek minl sokrtbb kihasznlsa s ezltal a tovbbi dinamikus nvekeds.
OTP Lakslzing Ltd. has a determining role on the flat leasing market. Its main profile is still the new apartment leasing, but besides the used apartment leasing and the sale & lease back are popular as well. The products of the OTP Lakslzing Ltd. are available throughout the country in 400 OTP branches, as a full member of the OTP Group our company is trying to unfold and utilize the synergy in the product developing and salesmanship. Among the long term purposes of the company there is henceforward the following of the customer needs and an innovative market attitude, the diverse utilization of the possibilities of real estate financing market.
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Porsche Lzing s Szolgltat Kft.

Address: H-1139 Budapest, Fy u. 27. Telephone: + 36 1 465 4815 | Fax: + 36 1 465 4810 E-mail: porschelizing@porschebank.hu Website: www.porschebank.hu Representatives: Bork Jnos CEO, Kocsor Zoltn CEO Establishment year: 1993 Owner: Porsche Bank AG, Austria
Porsche Lzing s Szolgltat Kft. 1993-ban kerlt megalaptsra. Alaptja s 100 %-os tulajdonosa Porsche Bank AG, Ausztria. A Porsche Pnzgyi Csoport Magyarorszg tagjaknt, a cg az operatv lzing (brlet) s gpjrm flottakezels zletgban vgzi tevkenysgt. Cgaut brleti konstrukci az operatv lzing termkre pl (HUF s EURO alap finanszrozssal), kiegsztve a brbe adott gpjrmvekhez nyjtott teljes kr flottazemeltetsi szolgltatssal, melynek keretben a gpjrm biztoststl az orszgos lefedettsg karbantartson, javtson t egszen a 0-24 rban rendelkezsre ll Porsche Lzing Assistance-ig minden, az aut hasznlathoz kzvetlenl kapcsold szolgltats / szolgltat egy partneren keresztl elrhetv vlik a brl szmra. A szolgltatsok rendelkezsre llnak valamennyi Magyarorszgon forgalmazott j s hasznlt gpjrm tpusra. A Porsche Pnzgyi Csoport ltal knlt termkek: Operatv lzing, flotta finanszrozs/kezels Porsche Lzing Kft. Hitel s a 2011-ben bevezetsre kerl pnzgyi lzing Porsche Bank Zrt. Biztosts-kzvetts/A legnagyobb biztostk termkeinek kzvettse Porsche Biztostsi Alkusz Kft. Porsche Casco/Egyedlll Casco biztosts elssorban a Volkswagen csoport mrkira Porsche Versicherung AG Magyarorszgi Fiktelepe Autklcsnzs/Magyarorszg legnagyobb autklcsnzje Eurent Kft. A Porsche Pnzgyi Csoport egy kzbl biztost minden olyan termket s szolgltatst, amely az authoz, illetve az authasznlathoz kapcsoldik.
Porsche Lzing s Szolgltat Kft. was established in 1993. Established and owned in 100 % by Porsche Bank AG, Austria. As member of Porsche Financial Group Hungary operates in operative leasing and vehicle fleet management service industry. Company car renting solution is based on operative lease (financing on HUF, EURO and CHF based) , completed with comprehensive fleet management services , including insurance , country-wide maintenance, repair suppliement , non-stop Porsche Lzing Assistance and all the service / supplier connected to the every day operation of the company cars, for all the car brand being available in Hungary. Porsche Financial Group Hungary offers the product range as follows: Operative lease , car fleet financing/ mangenement Porsche Lzing Kft. retail automobile financing :credit and financial lease (launched in 2011) - Porsche Bank Zrt. operative leasing Insurance broker for the prodaucts of all the major insurance companies in Hungary Porsche Casco / unique Casco insurance solution for VW group products - Porsche Versicherung AG Magyarorszgi Fiktelepe Short term rent a car service from biggest Hungarian short term renting company - Eurent Kft. Porsche Financial Group provides all the products and services relating to car and car usage.
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Raiffeisen Lzing Zrt.

Address: H-1087 Budapest, Hungria krt. 40-44. Telephone: +36 1 298-8000 | Fax: +36 1 298-8010 E-mail: lizing-info@raiffeisen.hu Website: www.raiffeisenlizing.hu Representative: Kevin Reagan CEO Establishment year: 1993 Owner: Raiffeisen Bank Zrt, Raiffeisen Leasing International GmbH
A Raiffeisen Lzing Zrt. (1997. mrcius 1. eltti neve: UB Leasing Kft.) a Raiffeisen Bank Rt. s a Raiffeisen Leasing International GmbH (Vienna) vegyesvllalata. 1993-as megalakulsa ta dinamikus nvekedse, gyflkzpont szolgltatsai s orszgos rtkestsi hlzata rvn a magyar finanszrozsi piac meghatroz szerepljv vlt. A Raiffeisen Lzing Zrt. a Magyar Lzingszvetsg tagja, a vezet lzingcgek kz tartozik. A Raiffeisen Lzing legnagyobb portfolival rendelkez zletga a Gpjrm finanszrozsi zletg, amelyet szorosan kvet a Gp-Berendezs zletg, mely az ltalnos gpek s berendezsek finanszrozsa mellett vezet pozcit foglal el a tehergpjrmvek s a mezgazdasgi eszkzk finanszrozsban. Trsasgunk 2010-ben a kihelyezsek mellett nagy hangslyt fektetett a portfolikezelsi technikk, lehetsgek fejlesztsre, minek ksznheten a vlsg miatt nehz helyzetbe kerlt gyfelek szmra lehetsg nylik a felplsre. Cg/cgcsoport ltal nyjtott szolgltatsok: szgk finanszrozs mezgazdasgi gp finanszrozs tehergpjrm finanszrozs gp-berendezs finanszrozs ingatlan finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing (nylt s zrt vg) Operatv lzing
Raiffeisen Lzing Zrt. (prior to 1st March, 1997, UB Leasing Kft.) is a joint venture of Raiffeisen Bank Rt and Raiffeisen Leasing International GmbH (Vienna). Since its foundation in 1993, it has become a key player in the Hungarian financing market, due to its dynamic growth, customer-oriented sevices and its nationwide sales network. Raiffeisen Lzing Zrt is a member of the Hungarian Leasing Association, and is one of the market-leading companies. Raiffeisen Lzings largest portfolio is in car financing and, the close second is the Equipment one, which results in relevant market position in the transport and agricultural sectors in addition to general equipment. In 2010 our company emphasized the development of portfolio treatment techniques and opportunities, which help those customers who are in complicated situation because of crisis. The company / the group offers the following services: car financing agricultural machinery financing truck financing machinery and equipment financing property financing The company / the group offers the following products: finance leasing (open- & closed-end) operating leasing
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RCI Lzing s Autfinanszrozsi Zrt.

Address: H-1135 Budapest, Rbert Kroly krt. 96-98. Telephone: +36 1 237 24 00 | Fax: +36 1 237 24 01 Website: www.renaultcredit.hu Representative: Arany-Th Edit CEO Establishment year: 2001 Owner: RCI Banque S.A.
Az RCI Lzing s Autfinanszrozsi Zrt. 100%-os tulajdonosa, a RCI Banque S.A., a Renault S.A. mrkafinanszrozja, a vilg mintegy 30 orszgban mkdik. Magyarorszgon 2001-ben indtotta el tevkenysgt akkor mg Renault Crdit Rt. nven. A cg f tevkenysge a Renault s Nissan Csoporthoz tartoz j illetve egyb mrkj hasznlt gpjrmvek finanszrozsa a magyarorszgi Renault s Nissan mrkakereskedi hlzatban. Az RCI Zrt-nek, mint a Renault s Nissan Csoport mrkafinanszrozjnak feladata, hogy gpjrmfinanszrozsi tevkenysge rvn komplex pnzgyi szolgltatscsomagot biztostson mind a vsrlk, mind pedig a mrkakereskedk rszre. Ennek megfelelen a szolgltatsok folyamatos fejlesztsnek jegyben terjesztette ki tevkenysgt 2004-ben az j Renault gpjrmvek finanszrozsn tl, a szintn Renault Csoporthoz tartoz Dacia gpjrmvekre, illetve indtotta be 2005-ben kszletfinanszrozsi rszlegt. 2009 novemberben a Nissan gpjrmvek importrvel egyttmkdsben megkezdte mrkafinanszrozi tevkenysgt gyfl finanszrozsok tern Nissan Finance mrkanv alatt. gyflfinanszrozsok tekintetben egyttmkd partnernk az Unicredit Leasing. Az RCI Zrt. a gyrt finanszrozjaknt arra trekszik, hogy orszgos rtkesti hlzatn keresztl egyedlll, a Renault s Dacia s Nissan - vsrlk ignyeire szabott rugalmas s minsgi szolgltatst nyjtson.
RCI Lzing s Autfinanszrozsi Zrt. is fully owned by RCI Banque S.A., which is established in 30 countries all around the world as the captive financing company of Renault S.A.. In Hungary RCI Banque launched its activity under the name of Renault Credit Rt. in 2001. The main activity of the company is the financing of Renault and Nissan new cars belonging to Renault and Nissan Groups brands and other makes used cars within the Hungarian Renault dealer network. The mission of RCI Zrt. as the captive financing company of Renault and Nissan Group is to supply the customers and the dealers with complex financing services by the continuous development .of its financing activity. The expansion of the activity to Dacia, the other brand of Renault Group, in 2004 and the launch of network financing in 2005, corresponds to these goals. In November 2009 in cooperation with the importer of Nissan's brand began its car financing activities in retail financing under Nissan Finance brand name. The aim of RCI Zrt., as the captive financing company of the carmaker, is to fully satisfy the customers needs, with unique, flexible and quality financing services.
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TAGOK MEMBERS
Santander Consumer Finance Zrt.

Address: H-1027 Budapest, Kaps u. 6-12. Telephone: +36 1 885 5600 | Fax: +36 1 885 5601 E-mail: info@santander.hu Website: www.santander.hu Representative: Farkas Albert Zsolt CEO Establishment year: 1998 (korbban CC Credit Zrt.) Owner: Banco Santander S.A.
A Santander Consumer Finance Zrt. (korbban CC Credit Zrt.) 1998-ban kezdte meg mkdst Magyarorszgon. A trsasg f tevkenysge a gpjrm finanszrozs, illetve szemlyi klcsnk (ingatlan fedezettel s fedezet nlkl is) nyjtsa magnszemlyek s vllalkozsok rszre. A trsasg hiteltermkei mell hitelfedezeti biztostst is ajnl. A 2008-as v folyamn a Santander Consumer Finance Zrt. sikeresen nvelte portfolijt, gy 2008 vgre mr tbb mint 50.000 db l gyflszerzdssel rendelkezett a fogyasztsi hitelezs terletn. Autfinanszrozs terletn piaci rszesedse 4% fl emelkedett. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs ingatlan finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Klcsn, hitel Egyb: szemlyi klcsn
Santander Consumer Finance Cltd. in Hungary (previously CC Credit Zrt.) was established in 1998. The companys main business area is consumer finance, which includes vehicle retail financing and direct personal loans. Besides those loan products, Santander Consumer Finance Hungary also offers payment protection insurance to its customers. In 2008 the company successfully expanded its customer portfolio which contained more than 50,000 retail customers at the end of 2008. In car financing the company achived a marketshare of more than 4% during 2008. Our services: retail automobile financing real estate financing Our Products: Financial leasing credit, loans personal loans
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Leasing Yearbook
TAGOK MEMBERS
SCANIA Finance Magyarorszg Zrt.

Address: H-2051 Biatorbgy, Rozlia Park 1. Telephone: +36 23-531-095 | Fax: +36 23-555-071 E-mail: bohuslav.vigalsky@scania.hu, andras.benko@scania.hu Website: www.scania.hu Representative: Bohuslav Vigalsky (SK) CEO Establishment year: 2007 Owner: Scania Trucks & Buses Aktiebolag; Scania Finance Holding Aktiebolag
A Scania Finance, a vilgszerte ismert Scania tehergpjrm gyrt vllalat finanszroz cge 16 regionlis kzponttal 50 orszgban nyjt pnzgyi szolgltatsokat, ahol 25.000 gyfelet szolgl ki s 4.000 milli EUR rtk portfolit kezel. A cg magyar lenyvllalata, a Scania Finance Magyarorszg Zrt., amely a vllalat kzp-eurpai (CER) rgijhoz tartozik, 2008 ta nyjt a Scania magyarorszgi vsrli szmra teljes kr, a mrkhoz szorosan kapcsold pnzgyi szolgltatsokat.
Scania Finance worldwide is providing its financial products in 16 business units and is present in 50 countries serving more than 25.000 customers and controlling more than 4.000 million EUR portfolio. Scania Finance Magyarorszg Zrt. provides full range of financial services on domestic market and belongs to CER business unit.
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TAGOK MEMBERS
SG Eszkzfinanszrozs Csoport
Address: H-1062 Budapest, Vci t 1-3. B/4 Telephone: +36 1 288 1140 | Fax: +36 1 288 1149 E-mail: info@sgef.hu Website: www.sgef.hu Representative: Alfred Hagn CEO Establishment year:1998 Owner: SG Equipment Finance International GmbH, D-Wuppertal, Groupe Societe Generale
Magyarorszgi cgcsoportunk jelenleg hrom vllalatbl ll: az SG Eszkzlzing Magyarorszg Kft. 1998 februrja ta operatv lzinget s brletet, az SG Eszkzfinanszrozs Magyarorszg Zrt. 2000 janurjtl pnzgyi lzinget, 2005 sztl pedig klcsnnyjtsi s kvetelsvsrlsi szolgltatsokat, Az SG Jrmfinanszrozs Magyarorszg Zrt. pedig 2008 janurjtl a haszonjrmvek finanszrozst fellel pnzgyi megoldsokat (belertve a pnzgyi lzinget s pnzklcsnt is) knl s nyjt gyflkrnk rszre. Szolgltatsaink az albbi terleteket lelik fel: Haszonjrmvek, autbuszok, a lgi, vzi s vasti szllts eszkzei, anyagmozgat gpek, mezgazdasgi gpek Ipari gpek s berendezsek (pld.: ptipari gpek, nyomdaipari gpek, szerszmgpek, a manyag-feldolgozs, a krnyezetvdelem, a kereskedelem gpei, eszkzei) Cscstechnolgiai eszkzk (informcitechnolgia, nagy rtk gygyszati berendezsek, szoftver, hardver, tvkzlsi rendszerek, eszkzk, amelyek a gyrtst s a nyilvntartst szolgljk ki). Cg/cgcsoport ltal nyjtott termkek Pnzgyi lzing Operatv lzing, brlet Pnzklcsn, hitel Biztosts-kzvetts Egyb: hosszlejrat kvetelsek vsrlsa (csak szllti egyttmkds keretben)
SG Equipment Leasing Hungary Ltd. established in 1998 has been providing operational lease and rental to its clientele. SG Equipment Finance Hungary Plc. is operative as a financial leasing company since 2000 and has been offering loan and purchase of receivables services since the autumn of 2005. SG Vehicle Finance Hungary Plc. was incorporated in January 2008 and is a specialpurpose company covering financial solutions (including financial lease and granting of loan) for various kinds of commercial vehicles. We cover the following fields of activity: Commercial vehicles, busses, aviation, marine, railway rolling stock, material handling, agricultural machinery Industrial equipment (e.g. construction machinery, printing presses, machine tools, plastic processing, environmental protection, trade related machinery) High-Tech (information technology, high-value medical equipment, software, hardware, telecommunication systems for production and administration facilities) Our financial services comprise: Financial leasing Operate leasing, rental Loan Sale of insurance products Others: purchase of receivables (in the frame of vendor cooperation only)
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Leasing Yearbook
TAGOK MEMBERS
UniCredit Leasing Hungary Zrt.

Address: H-1016 Budapest, Hegyalja t 713. Telephone: +36 1 489 7800; +36 1 489 7900 | Fax: +36 1 202 4734; +36 1 202 3934 E-mail: office@unicreditleasing.hu Website: www.unicreditleasing.hu Representative: Prfy Gyrgy, CEO; Dr. Bulyovszky Tams, Coriolan Filip, Vly Judit Owner: UniCredit Leasing S.P.A - Milano
Az UniCredit Csoport Eurpa szerte az sszes divzijt egy subholdingba egyestve Eurpa vezet lzingtrsasgt hozta ltre, mely a bankcsoport vllalati zletghoz tartozik. Az UniCredit Leasing S.p.A 2900 fs tagsgval 17 klnbz orszgot foglal magban, ezzel is a teljes kontinenst tvel gyleteket knlva, egyedlll httrcsapatval, kiemelked szakrtelemmel, valamint a piacon elrhet legjobb lzingmegoldsokkal. A termkek sokflesge, sznvonala, s a stabil pnzgyi httr egyttesen garantlja, hogy cgnk az egyre szigorbb piaci versenyben megbzhat partnere legyen gyfeleinek. Egyedlll szolgltatsainknak elsdleges rtkeknt a megbzhatsgot, a szakmai megalapozottsgot s a csoport szinergijbl add nemzetkzi kapcsolatainkat emeljk ki. Mindennapi munknk sorn ezeket az rtkeket kamatoztatva kvnjuk gyfeleinket kiszolglni. Termkkrnk kialaktsnl elssorban az elvrsokhoz s az ignyekhez maximlisan alkalmazkod finanszrozsi konstrukcik sszelltsa a legfbb szempont. Az UniCredit Leasing Hungary knlatban a finanszrozsi szektorban tallhat valamennyi lzingkonstrukci megtallhat. A lzing mellett mr tbb ve egyedi kialakts, az Eurpai Uni s a magyar llam ltal tmogatott beruhzsokhoz illeszked eszkz alap klcsnt is nyjt, amellyel fknt a kiss kzpvllalkozsok beruhzs-sztnzst segti. Cg/cgcsoport ltal nyjtott szolgltatsok: retail gpjrm finanszrozs flotta gpjrm finanszrozs teheraut finanszrozs gp-berendezs finanszrozs haj, repl, vast finanszrozs ingatlanfinanszrozs lakslzing Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Klcsn, hitel Biztosts-kzvetts
UniCredit Group has concentrated all its activities in a sub-holding at a European level, creating the leading leasing group in Europe, which belongs to the corporate department of the Bank Group. UniCredit Leasing S.p. A comprised of 2900 employees in 17 countries, providing a Europe-wide service with a unique back office team, outstanding expertise combined with the best available financial options in the market. The diversified products, the level of service and the solid financial background ensures that our company can be a trustworthy partner of our clients within this new competitive market environment. We consider trust, expertise and our group synergies as the core of our unique services. These values are the main drivers to serve our clients in our daily operation. In our product development primarily we aim for creating a product range that suits the expectations and needs of our clients. There can be found all kinds of leasing constructions used in the financial sector among the services of UniCredit Leasing Hungary. For several years by now, besides leasing our company is providing asset based loan for European Union and state subsidized investments, mainly supporting the small and medium enterprises. Our services: retail automobile financing fleet automobile financing Commercial road vehicle financing Machine and equipment financing Real estate financing Residential real estate financing Our Products: Financial leasing operative leasing credit, loans insurance
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TAGOK MEMBERS
VFS Hungary Pnzgyi Szolgltat Zrt.

Address: H-1172 Budapest, Cinkotai t 34. Telephone: +36 1 253 0858 | Fax: +36 1 254 0628 E-mail: info.2@vfsco.com Website: www.vfsco.hu Representative: Rdi Sndor CEO Esablishment year: 2007 Owner: Volvo Holding Sverige Aktiebolag
A 2007-ben alaptott VFS Pnzgyi Szolgltat Kft. s a 2008-ban megalaptott VFS Hungary Pnzgyi Szolgltat Zrt. gyri finanszrozknt felvllalta a Volvo Hungria Kft., illetve a Renault Trucks Hungria Kft. s mrkakereskedi hlzata ltal forgalmazott j haszongpjrmvek, a Volvo Busz Kft. ltal forgalmazott j Volvo buszok, a Volvo ptgpek Hungria Kft. ltal forgalmazott j Volvo ptiparis munkagpek, valamint a fenti cgek ltal rtkestett brmilyen mrkj s tpus hasznlt jrmvek finanszrozst. Az gyfelek operatv lzing, nylt- vagy zrt vg pnzgyi lzing konstrukcik kzl vlaszhatnak ignyeik szerint. A lzingajnlatok a piachoz igazodva forint, illetve eur alapon is kszlhetnek. A VFS Pnzgyi Szolgltat vllalatok pnzgyi termkeihez ktelez felelssg- s casco biztostsi ajnlatokat is knl gyfeleiknek. A cg a Volvo Hungria Kft. budapesti s a Renault Trucks Hungria Kft. trkblinti irodahzban brel irodkat, gy az gyfelek a cgcsoporttl megszokott minsgre s a lehet leggyorsabb kiszolglsra szmthatnak a pnzgyi terleten is. Cg/cgcsoport ltal nyjtott szolgltatsok: teheraut finanszrozs gp-berendezs finanszrozs Cg/cgcsoport ltal nyjtott termkek: Pnzgyi lzing Operatv lzing Biztosts-kzvetts
VFS Financial Services Kft. (established in 2007) and VFS Hungary Financial Services Zrt. (established in 2008) have undertaken as captive finance companies providing operative and financial leasing solutions for new and used commercial vehicles sold by Volvo Hungary and Renault Trucks Hungary and its dealer network, also for new and used construction equipments sold by Volvo Construction Equipment Hungary, and last but not least for new and used buses sold by Volvo Bus. Our customers according to their needs will be able to choose operational leasing, open-end or closedend financial leasing schemes. Leasing offers will be available in different currencies, such as HUF and EUR as well. VFS Financial Services companies will be ready to offer compulsory liability- and Casco insurance policies together with their leasing offers also. VFS Financial Services is renting offices both in the Budapest Headquarters of Volvo Hungary and from Renault Trucks Hungary at Trkblint, where our customers can expect the same high-level services that they have already enjoyed from our group of companies. Our services: Commercial road vehicle financing Machine and equipment financing Our Products: Financial leasing operative leasing insurance
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www.visszavett.hu
Visszavett gpjrmvek, haszongpjrmvek s eszkzk nyilvntartsa, rtkestse a visszavteltl az eladsig.
Gyors rtkests A legmagasabb rtkestsi r elrse Tbb szz regisztrlt keresked Adminisztrcis terhek cskkentse Szablyozott s tlthat folyamatok Napraksz informcik
Klnbz rtkestsi formk (kikiltsi-, miniml- s villmras) Szakrti vlemnyek nyilvntartsa (llapotfelmrs, kpek, ) Gyors bevezets, knny kezelhetsg Nincs beruhzsi kltsg
Referencia: Budapest Autnanszrozsi Zrt. Budapest Flotta Zrt. ING Magyarorszg Jrm- s Eszkzlzing Zrt. MKB-Euroleasing Zrt. MKB-Euroleasing Authitel Zrt. MKB-Euroleasing Autlzing Zrt. PSA Finance Hungria Pnzgyi Szolgltat Zrt. Toyota Pnzgyi Szolgltat Magyarorszg Zrt.
Ardents Kereskedelmi s Szolgltat Kft.

1097 Budapest, Mester u. 30-32. Telefon: +36-1-456-17-17 Fax: +36-1-456-18-79 E-mail: info@ardents.hu Web: http://www.ardents.hu
PRTOL TAGOK ASSOCIATED MEMBERS
Advisesoft Informcitechnolgiai Kft.

Address: H-1139 Budapest, Vci t 99. building 1-2. Telephone: +36 1 270-0908 | Fax: +36 1 270-3488 Website: www.advisesoft.hu Representative: Busai Pter CEO
Az AdviseSoft Kft. a kelet-kzp-eurpai rgi meghatroz lzing informatikval foglalkoz vllalatainak egyike. Piacvezet Magyarorszgon, egyedi projektjei rvn jelen van a rgi ms orszgaiban is. Elsdleges termke, a 15 ve piacon lv s folyamatosan fejlesztett AdviseSoft Integrlt Hitel-, Lzing- s Faktoring-adminisztrcis Rendszer, amely pnzintzetek tevkenysghez nyjt komplett informatikai tmogatst. Az elmlt idszakban szmos szatelit s webes termkkel jelent meg a piacon, melyek mg hatkonyabban tmogatjk az ajnlatadsi, dntshozatali s gyflszolglati tevkenysgeket (AS RoadRunner webes front-end rendszer, AS DocStore dokumentum menedzsment rendszer, AS AnaLease BI, adatpiac megolds, AS LeasePoint CRM, gyfl-lekrdezsi rendszer, AS MultiLanguage tbbnyelv kommunikcis megjelentsi rteg). 2010-ben, megfelelve a lzingpiac ltal tmasztott kvetelmnyeknek, az AdviseSoft kifejlesztette a behajtshoz kapcsold zleti folyamatokat tmogat AS DaCaR rendszert. A szoftver megolds alapjul szolgl AS WorkFlow motor akr teljes kr automatizmust biztost a szles hatrok kztt paramterezhet zleti folyamatok temezett vezrlsre s nyomon kvetsre. AdviseSoft alap Shared Service Centerek (AS SSC) kialaktsa sorn olyan megoldsokat knl, amely kltsghatkony bels szolgltatst nyjthat egy regionlis vllalat vagy intzmny ms - akr hatrokon tnyl, s egyben jogilag fggetlen - egysgei szmra is. Az AdviseSoft 2007-ben elnyerte a magyar informatikai piac egyik rangos elismerst, az IT-Business zleti lap ltal alaptott Leadership Award djat. Bszkk arra, hogy 2008 v folyamn bekerltek a Magyar Hrlap ltal kiadott 50 Magyar Sikeres Kis s Kzpvllalkozst bemutat kiadvnyba. 2009-ben az AdviseSoft Informcitechnolgiai Kft. lett az v vllalata a Magyar Kockzati- s Magntke Egyeslet vlasztsn. A cg rendszereit jelenleg 3 orszgban, 17 multinacionlis cgcsoport kzel 90 lenyvllalata hasznlja, amely 2000 vgfelhasznlval csaknem 10 millird EUR kihelyezett tkt kezel, elsdlegesen adminisztrlva, havi tbb szzezer gyfl szmlt, rtestt kibocstva.
AdviseSoft Ltd. is one of the dominant leasing software developer companies in the Central-EasternEuropean region. It is the market leader in Hungary and has various projects in other countries of the region. The companys main product, the AdviseSoft integrated Loan-, Leasing- and Factoring administration system has 15 years of development behind its back and provides a complete IT backbone for the day-today operation of a typical financial institution. Numerous satellite modules and web-based applications have been developed (AS RoadRunner webbased front-end system, AS DocStore document management system, AS AnaLease BI, data mart solution, AS LeasePoint CRM, customer query system, AS MultiLanguage multilingual communication display layer), to assist the managers of our clients in the offer-giving, decision-making and in the customer management processes. In 2010, in line with the requirements of the leasing market, AdviseSoft developed AS DaCaR, a system which supports business processes associated with collection. AS WorkFlow, the engine upon which the software solution is based, is capable of providing full automation for the scheduled control and monitoring of a wide range of configurable business processes. Developing AdviseSoft based Shared Service Centers (AS SSC) it can provide with solutions that are costeffective internal services to a regional company or other entities of an institution - even it is cross-border and legally independent. In 2007 AdviseSoft won one of the prestigious prizes of the Hungarian IT market: the Leadership Award, founded by IT-Business. They are proud that in the year 2008 AdviseSoft was chosen as one of the TOP 50 Successful SMEs in Hungary published by Magyar Hrlap. In 2009, AdviseSoft Information Technology Ltd. has become the "Company of the Year" by the election of the Hungarian Venture Capital Association. Currently almost 90 corporations of 17 multi-national leasing companies in 3 countries use the AdviseSoft system. In exact numbers, this means 2000 end users that manage up to EUR 10 billion capital, as well as issues invoices and notifications for hundreds of thousands of different clients on a monthly basis.
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Ardents Kft.
Address: H-1097 Budapest Mester utca 30-32. Telephone: +36 1 456-1717 | Fax: +36 1 456-1879 Website: www.ardents.hu Representative: Borsos Ferenc Managing Director
Vonatkoz referencik: Bonus Faktor Zrt., Budapest Autfinanszrozsi Zrt., Budapest Bank Zrt., Budapest Flotta Zrt., Budapest Lzing Zrt., FILEASE Zrt., Hdinvest Zrt., ING Magyarorszg Jrm- s Eszkzlzing Zrt., InHOLD Zrt., InnovaInvest Zrt., Interfaktoring Zrt., K&H Lzing Zrt., MKBEuroleasing Authitel Zrt., MKB-Euroleasing Zrt, MKB-Euroleasing Zrt., Net-Faktor Zrt., Planet Leasing Zrt., PSA Finance Hungria ZRt, Toyota Pnzgyi Zrt. Az Ardents Kft. 1999-ben alakult kt magyarorszgi magnszemly alaptsval. Korbbi szakmai-zleti tapasztalataikat sszevetve cljuk az volt, hogy az informatika terletn nyjtsanak teljes kr megoldsokat gyfeleik rszre. A cg alapvet szemllete, hogy termktl s szllttl fggetlenl tudja megoldsait biztostani a megbzik rszre. Ez kizrja azt a lehetsget, hogy elktelezn magt egyetlen irnyvonalnak s az objektivitst megtagadva alkosson vlemnyt. Ezen szemllet legfbb ernye, hogy a megbznak lehetsge nylik az optimlis megolds kivlasztsra, valamint segt a kltsgek-erforrsok koordinlsban s tervezsben. Cgnk, fejldse sorn a pnzgyi, informatikai terleten szerzett tudsra s tapasztalatra alapozva kezdte meg a fknt pnzgyi rendszerekbl ll termkskljnak kialaktst. Ehhez elengedhetetlen az gyfelekkel val szoros kapcsolattarts, a napraksz informcik begyjtse, az adott szakterleten a szakismeretek minl alaposabb s pontosabb megismerse, a felhasznlk ignyei, a trvnyi s egyb szablyozsok rendszerbe trtn integrlsa. Fbb termkeink: CONSUS: - Hitel Lzing, - Faktoring, - Zloghz www.visszavett.hu - szemlygpjrmvek, - haszongpjrmvek - eszkzk FLOW: - Projektkvets, - minsgbiztosts Az Ardents Kft rendkvl fontosnak tartja, hogy olyan megoldsokat biztostson partnerei szmra, amelyek segtsgvel gazdasgosabb s hatkonyabb teheti mkdsket. gy n tbb figyelmet szentelhet a valban fontos feladatokra. Lzingvknyv [ 66 ]
References: Bonus Faktor Zrt., Budapest Autfinanszrozsi Zrt., Budapest Bank Zrt., Budapest Flotta Zrt., Budapest Lzing Zrt., FILEASE Zrt., Hdinvest Zrt., ING Magyarorszg Jrm- s Eszkzlzing Zrt., InHOLD Zrt., Innova-Invest Zrt., Interfaktoring Zrt., K&H Lzing Zrt., MKB-Euroleasing Authitel Zrt., MKBEuroleasing Zrt, MKB-Euroleasing Zrt., Net-Faktor Zrt., Planet Leasing Zrt., PSA Finance Hungria ZRt, Toyota Pnzgyi Zrt. Ardents Kft. was established in 1999 by two Hungarian individuals. Their objective was to provide comprehensive information technology solutions to their clients by combining their earlier professional and business experience. The company's overall approach is to offer solutions to partners independently of products and suppliers. This rules out the possibility of being too much committed to a single trend, and form opinions without pursuing objectivity. The main virtue of this approach is that it allows the customer to select the optimum solution, and enables the coordination and planning of costs and resources. During our company history, we started to build our product range, chiefly consisting of financial systems, based on the expertise and experience gained in the areas of finance and IT. This necessitates close relationships with clients, the collection of up-to-date information, a deep and thorough insight into professional matters, the knowledge of customer needs, and the systematization of legal and other regulations. Main products: CONSUS: - Credit Leasing, - Factoring, - Pawnbroking www.visszavett.hu - Passenger cars, - Utility vehicles, - Devices FLOW: - Project tracking, - Quality assurance Ardents Kft. attaches great importance to providing solutions that make the operation of its partners more economical and more efficient. This allows you to focus more on really important tasks.
Leasing Yearbook
AVS Hungary KFT.

Address: H - 9400 Sopron, Vrkerlet 15. Telephone: +36 99 506 042 | Fax: +36 99 506 041 Branch H-1134 Budapest, Huba u. 10. Telephone: +36 1 412 18 50 | Fax: +36 1 329 60 31 E-mail: avs.hungary@avs-europe.com Website: www.avs-europe.com Representative: Milkovits Livia CEO Tel.: + 36 30 604 29 90, E-mail: l.milkovits@avs-europe.com
Biztos kzben tartjuk Kvetels- s kockzatkezelsi szolgltatsok bankok s lzingtrsasgok rszre. Eurpban az AVS csoport 12 orszgban van jelen, s szorosan egyttmkdik a nemzeti s nemzetkzi bankokkal s lzingcgekkel. 1983-ta tbb mint 130 finanszroz partnere az AVS csoportnak. Minden egy kzben: - Kszletfinanszrozs ellenrzs - Specilis tjkoztats s tudakozds Helyszni ellenrzs (Basel II) - Call Center - Szemlyes intervenci htralkok behajtsa s a trgyak visszaszrmaztatsa - Peren kvli megllapods szemlyes intervenci keretben - Vgrehajtsi eljrs kisrse, ktes kvetels kezelse Az AVS szmra a megbzink gyfeleivel szembeni korrekt fellps a legfontosabb. Tevkenysgnk arra irnyul, hogy az gyfl folytassa a fizetseket, a szerzds fenntartsa s az gyflkapcsolat megrzse rdekben. Nemzetkzi htternknek ksznheten a hatrokon tvel intervencik idvesztesg nlkl vgrehajthatak. A munka sorn szerzett tapasztalatainkat s az azokbl ered kapcsolatainkat a partnereink rendelkezsre bocstjuk. Ezzel a kvetelsek behatshoz a legnagyobb mrtk hatkonysgot biztostjuk. Az tfog jelentsi rendszer s az ttekinthet sikertl fgg elszmols tlthatv teszi szolgltatsainkat megbzink rszre. A htralkoss vlt trgyfinanszrozsok esetn, bankok s lzingtrsasgok megbzsbl 92%-os sikerrel vgzett intervencik megerstettek alapelveinkben s ez gy van tbb mint 20 ve.
You are in safe hands with us Claims and risk management services for banks and leasing companies. AVS Group works closely with domestic and international banks and leasing companies throughout Europe, and is present in 12 European countries. Across Europe, more than 130 banks and leasing companies regularly work with AVS Group, since 1983. Everything in one hand: - floor audits on-site supervision checking of the financed asset (Basel II)call centrepersonal interventionOut-of-court settlements and collections - Attendance of the execution of court orders - collection of doubtful accounts AVSs fundamental rule is to safeguard the image and reputation of their partners. The purpose of our approach is to re-instate the payment flow and to restore the normal relationship with the customer. AVS subsidiaries cover primarily domestic markets. However, all subsidiaries support each other when it comes to cross border activities and form the basis for collaboration with partners in those few countries where AVS has not been established, yet. In excess of 25 years of experience resulting from active market presence in Europe as well as a strongly developed network are being put at the disposal of our partners, in doing so we offer you the highest degree of efficiency in handling your business.
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AutoDot-OCIS Kft.
Address: H - 2040 Budars, Fodros u.15/b Telephone: +36 1 205-38-39 Fax: +36 1 205-38-39 Website: www.ocis.hu Representative: Lajos Szendrei, managing director
Az AutoDot OCIS Kft kiemelten kezeli a magyar gp s jrmpiacon meglvn feketegazdasg mrtknek visszaszortst, az llampolgrok biztonsgrzetnek s tulajdonvd ntudatuk nvelst. Cgnk egy alapos, krltekint 2007-es piackutatst kveten, gy dntttnk, hogy az AutoDot termk s az OCIS rendszer hazai illetve kelet-kzp Eurpai kpviseletre megalaktjuk az AutoDot OCIS Kft t, mely az aktv mkdst 2008 janurjban kezdte meg. A CEBIA, spol. s r.o., 1996-ban lett a System OCIS (Open Car Information System) nemzetkzi informcis rendszer kizrlagos csehorszgi kpviselje. E rendszer keretben dolgoztk ki azt az informcis hlzatot, amely az OCIS rendszert mkdtet orszgok brmelyikben eltulajdontott vagy megtallt gpek/jrmvek adatainak vdelmre szolgl. Nem egy j rendszert lltottunk fel, hanem rszv vltunk egy Eurpban rgta mkd, kiprblt, s eredmnyesen hasznlt rendszernek, amely egyszer, s kltsg hatkony megoldst nyjt a gpjrmvek alkatrszeinek az azonosthatsgra, ezltal egy olyan egyre fejld tulajdonvdelmi tudattal rendelkez orszgban, mint Magyarorszg, nagy rdekldst vlthat ki. A holografikus technolgia, mely egyedi s hamisthatatlan, eurpai gyrtja az angol szkhely Metallic Security Ltd, mely nagy biztonsg optikai mikro-struktrk fejlesztsvel s gyrtsval foglalkozik. Ez a fajta jellssel a vilgon mindenhol tallkozhatunk, hiszen az EURO-s bankjegyeken lthat holografikus jells is ugyan ezzel a technolgival kszl. Az_OV_Metl_TMtermkcsoport_2004-ben A Legjobb holografikus termk nemzetkzi djjal tntette ki anyavllalatunkat. Az AutoDot OCIS termk illetve technolgia, mechanikai rszben hamisthatatlan, Eurpa illetve vilgviszonylatban mkd, Online internetes httrrel rendelkez, komplex rendszer. A gpjrmvek msodlagos megjellsre szolgl termkek skljn az AutoDot termk tvzve a nanotechnolgiban rejl lehetsgekkel illetve a nemzetkzi OCIS rendszerrel egyttesen teljes kr, egyedlll biztonsgot jelent. Rendszer, ill. a nanotechnolgia, olyan komplex s egyedlll szolgltatst s elnyket tud adni a gpjrm piac minden egyes szerepljnek a rszre (gymint magnszemlyek, mrkakereskedk, lzingcgek, biztostk, igazsggy s krszakrt llomsok, leglis bontk ill. a magyar llam) amely elnyket mr Eurpban hossz id ta sikeresen alkalmaznak. Vilgviszonylatban egyedlll technolgirl van sz, mellyel nagy ellenll kpessg, hamisthatatlan fm holografikus vdjegyek llthatk el! 2008. Oktber 22-n a Magyar Lzingszvetsgi hivatalos elektronikus kzgylsn az AutoDot OCIS Kft. felvtelre kerlt a Lzingszvetsgi tagok kzz. Lzingvknyv [ 68 ]
AutoDot OCIS Kft. places great importance on the containment of the black economy on the Hungarian machinery and vehicle market, and also seeks to enhance the sense of security in people and make them aware of the need to protect their property. Following a large-scale market research conducted in 2007, our company decided to establish AutoDot OCIS Kft., in order to represent the AutoDot product and the OCIS system in Hungary and in the Central and Easter European region. The company started to operate in January 2008. CEBIA, spol. s r.o. became the exclusive representative of the OCIS system (Open Car Information System) in the Czech Republic in 1996. In the framework of this system, an information network has been developed that helps identify and recover machines and vehicles stolen or found in any countries involved in the OCIS system. We have not set up a new system we joined a proven system that had been used throughout Europe for a long time, and which provides a simple and cost-efficient method for the identification of vehicle parts. For this reason, in Hungary, where people are increasingly aware of the importance of protecting their property, it may attract huge interest. The holographic technology, which ensures that markings are unique and cannot be counterfeited, is produced by UKbased Metallic Security Ltd that specialises in developing and manufacturing highly secure optical micro-structures. This marking technology is used all around the world. For example, the holographic marking on the Euro notes is based on the same technology. The_OV_Metal_TM-product line acknowledged our parent company with The Best Holographic Product award in 2004. The AutoDot OCIS product and technology cannot be physically counterfeited. The complex online system is in use all around Europe and in many other regions of the world. Combined with the opportunities offered by nanotechnology, and the international OCIS system, the secondary vehicle marking system AutoDot provides full-scale security. The system, completed with nanotechnological solutions, provides all stakeholders in the vehicle market (private individuals, dealerships, leasing companies, insurance companies, inspection stations, wreckers and the Hungarian state) with complex and unique services that have been used in Europe for quite some time. This one-of-a-kind technology allows the production of highly durable, holographic metal markings that cannot be counterfeited. At the official online assembly of the Hungarian Leasing Association held on 22 October 2008, AutoDot OCIS Kft. gained membership of the leasing association. Leasing Yearbook
BISZ Kzponti Hitelinformcis Zrt.

Adress: H-1205 Budapest, Mrtonffy utca 25-27. Telephone: +36 1 421 2500 | Fax: +36 1 421 2525 E-mail: helpdesk@bisz.hu Website: www.bisz.hu Representative: Dr. Nagy Rbert CEO
A BISZ Zrt. BISZ Kzponti Hitelinformcis Zrtkren Mkd Rszvnytrsasg 1994 februrja ta szereplje a magyar pnzgyi szektort tmogat intzmnyeknek. Alaptsban 8 vezet hazai bank vett rszt, majd 2003 mjustl a trsasg egyszemlyi tulajdonosa az ugyancsak bankok ltal tulajdonolt GIRO Zrt. lett. Alaptskor a tulajdonosok a trsasg feladatul a Bankkzi Ads- s Hitelinformcis Rendszer s Adatbank (BAR) ltrehozst s zemeltetst tztk ki, amely 1995 jniusban kezdte meg a mkdst. A Hpt. 2006-tl rszletesen szablyozza a Kzponti Hitelinformcis Rendszer (KHR) mkdst, amely a korbbi BAR helybe lpett. A trsasg alapvet clkitzse, hogy a bankkzi informcicsere biztonsgos megvalstsval nvelje a hazai hitelezs biztonsgt, vdje a bettesek s a j adsok rdekeit, a tlzott eladsods megelzsvel segtse mind a pnzgyi intzmnyeket, mind az gyfeleket, s tgabb rtelemben a gazdasg valamennyi szerepljt. Ennek megfelelen a szolgltatsi stratgia kt alapvet pillren nyugszik: a trvnyi ktelezettsgbl fakad feladatok teljes kr elltsa, illetve olyan hozzadott rtket nyjt szolgltatsok nyjtsa, amelyek megfelelnek a hazai piac modern, dinamikusan vltoz ignyeinek. A trvnyi szablyozs alapjn mkd KHR a vllalkozsokrl egy teljes kr hitelszerzds nyilvntartst s kt negatv lists nyilvntartst (bankszmla sorban llsok, kszpnz-helyettest fizeteszkz elfogadhely visszalsek) vezet, mg a magnszemlyekrl 3 fle negatv informcit kezel (hitelmulasztsok, bankkrtya visszalsek s csals miatt elutastott hitelignylsek). A Hpt. meghatrozza a Referenciaadat-szolgltatk krt, akik a hitelezsi tevkenysgkre a felgyeleti engedlyt csak a KHR-hez trtnt csatlakozs utn kapjk meg. A BISZ Zrt. zemelteti a pozitv hitelinformcit nyjt, nkntessgen alapul Credit Reference (CR) szolgltatst, amelynek clja a lakossgi gyflkr pozitv hiteltrtnetnek nyilvntartsa. A CR-hez csatlakozott partnerek nagyobb bizalom s kedvezbb felttelek mellett nyjthatnak hitelt gyfeleik szmra, hiszen a rendszeresen fizetett hitel a megbzhatsgot bizonytja. Trsasgunk a bankinformci szolgltats keretben tmogatja a pnzintzeteket abban, hogy sokkal pontosabban fel tudjk mrni az egyes vllalkozsi szektorokban meglev kockzatokat, illetve hogy gyorsan, hiteles forrsbl tudjanak hozzjutni azokhoz az informcikhoz, melyek alapjn elre jelezhetek az egyes vllalkozsok pnzgyi nehzsgei. A BISZ Zrt. jelenleg a hazai hitelpiac tbb, mint 450 szerepljvel ll szerzdses viszonyban (bankok, szakostott hitelintzetek, takark- s hitelszvetkezetek, pnzgyi s befektetsi vllalkozsok). A trsasg a hitelreferencia szolgltatsban kiemelt figyelmet szentel a minsgi s adatbiztonsgi szempontoknak, ISO 9001:2008 szerinti minsgirnytsi, valamint ISO/IEC 27001:2005 szerinti informcivdelmi rendszert mkdtet.
BISZ PLC BISZ Central Credit Information Private Limited Company has been present since February 1994 as a company supporting the Hungarian financial sector. BISZ PLC had been established by eight leading banks, and in May 2003 its owner had been changed to GIRO Ltd. which is also owned by banks. For companies mission owners aimed at the establishment and running Inter-Bank Debtor and Credit Information System (abbreviated in Hungarian as: BAR), which has began to operate in June 1995. Since 2006 the Credit Institution Act regulates in detail the Central Credit Information System (abbreviated as: CCIS), which replaced the former Inter-Bank Debtor and Credit Information System. The basic intention of the company was to decrease risks of credit operations by implementation of inter-bank exchange of credit data. By this activity is possible to defend interests of depositors and good debtors, and to prevent over indebtedness. The service strategy is based on two pillar the full performance of the tasks resulting from statutory requirements in terms of the mandatory credit information sharing service. The other one is the introduction of valueadded services that meet the modern and dynamically changing needs of the domestic market. CCIS contains data of corporate customers in three registries: a positive list of all credit agreements, and negative list of insolvent corporate entities and terminated acquiring contracts for cash substitute payment instruments. The CCIS retail system contains only negative data of all individuals who violated a credit or credittype agreement (the credit default subsystem, the bankcard abuse subsystem and a subsystem of credit applications rejected based on fraud). The Act defines the group of Reference Data Providers, who are obligated to join to CCIS. BISZ PLC is the operator of the voluntary Credit Reference service (CR), which provides positive credit information on individuals. The aim of the CR is to register the positive credit history. The CR service allows subscribing banks to increase their trust in their customers and offer loans to them under more favorable terms because regular repayments on a loan are a proof of reliability As part of the banking information service, BISZ Zrt. helps financial institutions to increase the accuracy of their assessment of the risks in certain business sectors, while allowing fast access to information from authentic sources that may be used to forecast the financial difficulties of individual businesses. BISZ PLC has alliances with more than 450 Hungarian credit institutions (banks, specialised financial credit institutions, saving cooperatives, financial and investment companies). It is an important objective of BISZ PLC to continuously improve the quality and security of its service, therefore the company operates a quality management system in compliance with the requirements of the ISO 9001:2008 standard and an information security management system in compliance with the requirements of the IS/IEC 27001:2005 standard. [ 69 ] Leasing Yearbook
Lzingvknyv
CREDITREFORM Szolgltat s Tancsad Kft.

Address: H-1084 Budapest, Jzsef u. 13. Telephone: +36 1 3333 000 | Fax: +36 1 3333 111 E-mail: creditreform@creditreform.hu Website: www.creditreform.hu Representative: Nagy Dvid managing director
A Creditreform nmet cgszvetsg tbb mint 130 ve foglalkozik nemzetkzi cgminst cginformci-szolgltatssal s kvetelskezelssel. Clkitzse a hitelezvdelmi szempontok rvnyestse, a tisztessges piaci magatarts betartatsa, segtsgnyjts az zleti let biztonsgnak megteremtshez, s tmogats nyjts a dntshoz vezetk kockzatnak cskkentshez A nemzetkzi cgszvetsg - Tbb mint 138.000 taggal (szerzdses gyfllel) rendelkezik, ves forgalma 2010-ben meghaladta a 1 millird Eurot. - Kzel 4500 munkatrsval, a legkorszerbb szmtgpes rendszer segtsgvel, az Eurpai Uniban elfogadott programokkal vgzi szolgltatsait - Sajt tulajdon vagy rsztulajdon irodkat mkdtet Eurpa 20 orszgban, s szerzdses partnerein keresztl a vilg sszes orszgbl lehetsg van zleti informcik beszerzsre. - Egyedi know-how alapjn kszti a cgminst cginformcikat, a bonits vizsglatokat, tovbb erre alapozva foglalkozik a kvetelsbehajtssal. A Creditreform Kft. 1991-ta a cgszvetsg tagja, jelenleg tbb mint 700 taggal (szerzdses gyfl) rendelkezik, s tbb mint 3200 gyfl vette ignybe a szolgltatsait. Az informcis s kvetelskezelsi piacon meghatroz szerepet tlt be, s e szolgltatsi csomagot knlva elsknt alakult Magyarorszgon Creditreform-Interinfo Kft. nven. Egyik alapt tagja a Magyarorszgi Kvetelsbehajtk s zleti Informcit Szolgltatk Szvetsgnek, valamint tagja a FEBIS (Federation Bussiness Information) nemzetkzi szvetsgnek s az amerikai International Association Of commercial Collectors Inc. szervezetnek.A munkavllalk tlagos statisztikai ltszma 2009-ben 35 f volt. A Creditreform adatbankja valamennyi bejegyzett vllalkozsrl tartalmaz adatokat, s az egyes orszgok adatvdelmi trvnyeinek megfelelen a magnszemlyekre vonatkoz informcikat is tartalmaz. Az adatok 22 orszgbl ON Line mdon is lehvhatak. Az adatformtumok (txt, html, xml s pdf file), a strukturlt adatszolgltats gyfeleink egyni elvrsai, s a nemzetkzi standardnak megfelelen kerltek kialaktsra.A peren kvli kvetels rvnyests a hatlyos jogszablyi kereteken bell mkdik. Olyan fizetsi felszltsos eljrs keretben, melynek rszt kpezi a kvetelsek minstse, az ads felkutatsa, a szemlyes kapcsolat felvtele, a peren kvli egyezsg megktse. A behajtsra tadott gyek szmt tekintve a Creditreform tbb mint 40 %-os sikerarnyt knyvelhet el. A Creditreform gazati elemzseket is kszt, ill. rendszeresen vizsglja s kszti az eurpai a magyar cgek fizetskptelensgre, a fizetkpessgre vonatkoz mutatkat, statisztikai adatokat. A Creditreform ltal alkalmazott eszkzk, mdszerek minden orszgban szigoran alkalmazkodnak a hatlyos jogszablyok elrsaihoz. Lzingvknyv [ 70 ]
Creditreform German firm alliance has been providing international qualifying business reports and debt collection service for more than 130 years. Its objective the validation of the creditor protection viewpoints, observing the honourable market behaviour, assisting to the creation of the safety of the business life and providing support to reduce the risk of the decision maker leaders. The international firm alliance - It has more than 138.000 members (contractual clients), annual turnover was over one billion Euro in 2009. - The alliance performs its services with 4500 employees, with the help of the most modern computer system, the programs are accepted in the European Union - Operates own or partly own offices in 20 countries of Europe and through its contractual partners there is an opportunity to get business information from all countries of the world. - Prepares the qualifying business reports, credit rating index examinations according to unique know-how furthermore deals with debt collection based on this. Creditreform Kft. has been the member of the firm alliance since 1991, currently has more than 700 members (contractual clients) and more than 3200 clients used its services. It plays a determining role on the informational and debt collection market and offering this kind of service pack firstly in Hungary was founded under the name of Creditreform-Interinfo Kft. One of the foundation members of Debt Collectors and Business Information Providers Alliance in Hungary and also member of FEBIS (Federation Bussiness Information) international alliance and the American organisation of International Association Of commercial Collectors Inc. The average statistical number of employees was 35 persons in 2009. The databank of Creditreform contains data from all registered enterprise and information referring to private persons according to the data protection law of each country. Data can be called down from 22 countries by ON Line way. The data formats (txt, html, xml and pdf files), the structured data supply were developed by the particular expectations of our clients and international standards.The validation of the out of court claims works within the frame of effective law. In the framework of payment notice procedures of which the classification of claims is part of, searching for the debtor, getting in personal contact, concluding the out of court agreement. Creditreform can book more than 40 % success rate considering the number of cases handing over for collection. Creditreform also makes sectorial analysis respectively regularly examines and prepares the indexes, statistical data concerning the insolvency and solvency of European and Hungarian companies. The means, methods applied by Creditreform strictly adapt to the regulations of effective law in all countries.
Leasing Yearbook
CRIF ZRT.
Address: H-1072 Budapest, Rkczi t 42. Telephone: +36 1 327 4235 | Fax: +36 1 267 9100 Website: www.crif.hu E-mail: info.hu@crif.com CRIF Headquarters Address: Italy 40131 Bologna, Via M. Fantin, 1-3. Telephone: +39 051 4176111 | Fax: +39 051 4176010 Website: www.crif.com E-mail: communication@crif.com Representative: Harald Heschl, Senior Regional Manager CEE
A budapesti szkhely CRIF Zrt. a CRIF Csoport tagjaknt a magyar piacra kifejlesztett olyan hitelinformcis adatbzisokat s hozzadott rtk-alap dntstmogat megoldsokat knl partnereinek, mint pldul hitelinformcis scoring modellek, vagy hitelignyls-befogadsi rendszerek. A CRIF hitelinformcis scoring modellek olyan hatkony elrejelz eszkzk, amelyek megalapozottabb teszik a hiteljvhagyst s megknnytik az gyflportfli kezelst. A mr jl bevlt szakrti elemzsek mellett a CRIF knlatban olyan hitelignylsbefogadsi rendszereket is tallunk, amelyek automatizljk a hitelfolyamatot, valamint vals idej tfog kpet biztostanak a bankok szmra a lakossgi s vllalati partnerek ltal benyjtott ignylsekkel kapcsolatban. A CRIF dntstmogat rendszerek a szakma cscstechnolgijt jelentik, bevezetsk jelents anyagi hasznot knl a pnzgyi intzmnyeknek a hatkonysg, a rugalmassg, a hitelezsi politika felett gyakorolt ellenrzs, illetve a kltsgcskkents tern. A CRIF vilgszinten piacvezet a hiteljelents-kszt, a zleti informcis, valamint a dntstmogat rendszerek tervezse s kezelse tern. A vllalatot az olaszorszgi Bolognban alaptottk 1988-ban, mra pedig a tevkenysgt ngy kontinensen (Eurpa, Amerika, Afrika s zsia) vgz riscgg ntte ki magt. A CRIF zleti tevkenysgei kz tartozik a pontos piaci rtkelshez elengedhetetlen, s a helyi viszonyokat is figyelembe vev stratgiatervezs, a jl idztett s megbzhat, a hitelkockzat-felmrs, a csalsfelderts s a marketing terletn mkd tmogat rendszerek segtsgvel trtn j gyflszerzs, a tevkenysgek alapos s lland monitoringja segtsgvel megvalsul portflikezels s fejleszts, az zleti nvekedst clz stratgia meghatrozs, valamint az erre szakosodott cgeken keresztl vgzett behajts. A hossz tv zleti kapcsolatteremtsi kpessge, valamint a lakossgi s vllalati gyfelek szmra trtn hitelhez jutst s a hiteljvhagysi folyamatot alapveten megknnyt hitelinformcis rendszerei rvn a CRIF a lakossgi s KKV szektor szmra szolglatsokat nyjt intzmnyek piacn a vilg szmos orszgban fontos szerepet tlt be. A CRIF a bankhitel-informci terletn jelenleg piacvezet Eurpban, de az integrlt zleti s kereskedelmi informciszolgltats, illetve a hitel- s marketingkezels terletn is az egyik legfontosabb piaci szereplknt tartjk szmon a vilgon. Vilgszerte tbb, mint 1.700 bank s egyb pnzgyi intzmny hasznlja napi szinten a CRIF termkeit. Lzingvknyv [ 71 ]
CRIF Zrt., based in Budapest (Hungary), is a CRIF Group company specializing in the development of credit bureau databases and value-added decision support solutions for the Hungarian market, such as credit bureau scoring models and application processing systems. CRIF credit bureau scoring models are powerful predictive tools which enhance credit underwriting and customer portfolio management. Together with proven analytical expertise, CRIF also provides application processing systems which automate the credit process and give banks a real-time comprehensive assessment of applications submitted by consumers and businesses. CRIF decision support systems are based on cutting edge technology and assure financial institutions significant benefits in terms of efficiency, flexibility, control of credit policies and cost cutting. CRIF is a global leader in the design and management of credit reporting, business information and decision support systems. Established in 1988 in Bologna (Italy), it has an international presence and operates over four continents (Europe, America, Africa and Asia). CRIFs contribution involves planning strategies for accurate market evaluation, including its local characteristics, the acquisition of new clients through timely and reliable support systems for credit risk assessment, fraud detection and marketing. It also involves portfolio management and development through the careful and constant monitoring of activities and the definition of strategies targeting business expansion, as well as debt collection activities through specialized companies. Thanks to its capability of developing long term partnerships with its clients, CRIF is a key player in the provision of solutions for the retail and SME markets in several countries worldwide due to its credit bureaus which facilitate the credit underwriting process and credit access for households and businesses. CRIF is currently the leading group in continental Europe in the field of banking credit information and one of the main operators on an international level in terms of integrated services for business & commercial information and for credit & marketing management. More than 1,700 banks and financial institutions all over the world use CRIF services on a daily basis.
Leasing Yearbook
Dun & Bradstreet Hungria Kft.

Address: H-1191 Budapest, Ady Endre t 32-40. Telephone: +36 1 347 6700 | Fax: +36 1 280 3379 Website: www.dbhun.hu Representative: Keleti Jzsef CEO
A vezet vilgcg a Dun & Bradstreet (D&B) szaktudst kpviseljk a magyar piacon 1992 ta. Szolgltatsi tevkenysgnk kiterjed a globlis hlzat teljes termkkrre. A D&B termkstruktrjban, s gy Magyarorszgon is hrom f terlet klnbztethet meg: kockzatkezelsi, rtkestsi s marketing-, valamint n. rtknvelt szolgltatsok. A D&B egyedlll zleti informcis rendszere s professzionlis szolgltatsai rvn tbb mint 160 ve segti gyfeleit abban, hogy magabiztosan dnthessenek gazdasgi krdsekben. Nemzetkzi adatbzisnak mai paramterei nmagukrt beszlnek: 180 milli cget dolgoznak fel, 240 orszgban gyjtenek informcit, naponta 1 milli adat frisstsvel. A vllalati kapcsolatok nyilvntartsban 1,6 milli vllalatcsald kerlt feldolgozsra, 7,6 milli taggal.
We have been representing the expertise of the leading global company, Dun & Bradstreet on the Hungarian market since 1992. Our services cover the whole range of products of the global network. The satisfaction of our clients shows that the domestic economic knowledge is well integrated into the more than one and a half centuries old international professional culture by the Hungarian subsidiary of D&B. In the product structure of D&B globally as well as in Hungary, three main fields can be distinguished: risk assessment-, sales and marketingand so called value added solutions. By its unique business information system and professional services, D&B has enabled clients to Decide with Confidence in economical issues for over 160 years. The present parameters of its international database speak for themselves: D&B processes 180 million companies, selects information in 240 countries and updates its database one million times a day. In the register of corporate linkage 1.6 million families with 7.6 million members have been mapped. The enormous database is a unique possibility for making different professional analyses, practically referring to all important fields of business operation.
Lzingvknyv
[ 72 ]
Leasing Yearbook
Deloitte zletviteli s Vezetsi Tancsad Zrt.

Address: H-1068 Budapest Dzsa Gyrgy t 84/c. Telephone: +36 1 428 6800 | Fax: +36 1 428 6801 E-mail: DeloitteinHungary@deloitteCE.com Website: www.deloitte.hu Representative: Istvn Veszprmi, Partner, Tax; Financial Services Industry Leader
A Deloitte Magyarorszg az orszg egyik vezet szakmai szolgltat cge, amelynek clja, hogy minden zletgban kivl minsg szolgltatsokat nyjtson gyfeleinek. Magyarorszgi irodnk a Deloitte Pannonadria Holdings Limited lenyvllalata, a tbb mint 150 orszgban mkd Deloitte Touche Tohmatsu Limited tagvllalata. gyfeleink ignyeire fkuszl szolgltatsainkat globlis stratgink alapjn a helyi elvrsokhoz igazodva nyjtjuk magyarorszgi gyfeleinknek. Cgnk a csoport tagjai s lenyvllalataik ltal vilgszerte foglalkoztatott tbb mint 170.000 munkatrs szellemi tkjre tmaszkodva - belertve a tbb mint 300 magyarorszgi szakembert - hat szakmai terleten, a knyvvizsglat, az ad- s jogi, a vezetsi- s a pnzgyi valamint vllalati kockzatkezelsi tancsads terletn nyjt szolgltatsokat. Mretnknek valamint ipargak sort s a szakmai szolgltatsok szles krt tfog tudsbzisunknak ksznheten a legsszetettebb zleti kihvsoknak is kpesek vagyunk sikerrel megfelelni. Cgnk az orszgban mkd legnagyobb multinacionlis vllalatok mellett helyi nagyvllalatokat, kzintzmnyeket s dinamikusan fejld, j vllalkozsokat egyarnt gyfelei kztt tudhat. gyfeleinknek a piacon egyedlll, integrlt szolgltatscsomagot knlunk, amely a hagyomnyos tancsadi szolgltatsokat tvzi ms, az egyszerbb tancsadi projektek terjedelmt ltalban meghalad szolgltatsokkal. Ilyenek pldul az sszetett szmviteli s adgyi krdsek, a vllalati kockzatkezels s biztonsg, illetve a pnzgyi tancsads terletn felmerl klnfle feladatok. Napjainkban egyre nvekv igny mutatkozik a hatrokon tvel lzingszolgltatsokra mind a vevk, mind a lzingelk rszrl. Br az FA-szablyok az Eurpai Unin bell nagyrszt harmonizlsra kerltek, a lzinggyletekkel (pnzgyi s operatv lzing) kapcsolatos szmviteli s egyb adszablyok az egyes tagllamok kztt nagy eltrseket mutatnak, kvetkezskppen jelents mrtk admegtakartsra nylik lehetsg alapos tervezs rvn. A kzpeurpai hlzaton keresztl segtnk gyfeleinknek megismerni az egyes llamokban rvnyes szmviteli s adszablyokat, s tmogatjuk ket a rgin belli, hatrokon tvel lzing konstrukcik megvalstsban. Tbbdimenzis tudsbzisunk s egyttmkdsen alapul kultrnk a problmk sokoldal megkzeltst teszik lehetv, ami segtsgnkre van abban, hogy tfogbb megoldsokat talljunk s tbb rtket teremtsnk gyfeleink szmra. Meggyzdsnk szerint ez klnbzteti meg a Deloitte-ot a versenytrsaktl. Lzingvknyv [ 73 ]
Deloitte in Hungary is one of the leading professional services organizations in the country, devoted to excellence in providing professional services and advice. Our Hungarian practice is an affiliate of Deloitte Pannonadria Holdings Limited, a member firm of Deloitte Touche Tohmatsu Limited, operating in more than 150 countries. We are focused on client service through a global and regional strategy executed locally in Hungary. With access to the deep intellectual capital of more than 170,000 people worldwide, including more than 300 in Hungary, our organization, including our affiliates, deliver services in six professional areas: audit, tax and legal, consulting, financial advisory and enterprise risk services. Our firm is singularly positioned with the scale, scope, and multidisciplinary capabilities necessary to address the most complex business challenges. We bring to all our clients depth of experience, deep industry strengths, and the highest quality services. Our organization serves many of the largest multinational companies based in our country, as well as large national enterprises, public institutions, locally important clients, and successful, fast-growing companies. We offer a unique integrated services approach that combines traditional consulting services with additional competencies not typically associated with a consulting project, such as complex accounting and tax issues, enterprise risk and security and financial advisory services. Nowadays, there is an increasing need for cross-border leasing services, either from the clients' side or from the leasing companies' side. Although the VAT rules are largely harmonized within the European Union, the accounting and other tax rules regarding leasing transactions (financial and operational leasing) vary to a great extent in Member States, therefore, significant tax savings might be achieved with thorough planning. Using the Central European network we can help our clients to understand the different taxation and accountancy rules that are applicable in different states, and assist them to implement cross-border leasing structures within the region. Our multidimensional capabilities and collaborative culture enable a versatile approach that helps us deliver more comprehensive solutions and greater value to our clients. We believe it is the Deloitte difference.
Leasing Yearbook
Ernst & Young

Address: H-1132 Budapest, Vci t 20. Telephone: +36 1 451 86 01 | Fax: +36 1 451 81 99 E-mail: tibor.palszabo@hu.ey.com Website: www.ey.com/hu
Az Ernst & Young, a vilg egyik vezet knyvvizsgl, ad- s tranzakcis tancsad vllalata egyttgondolkod partnerknt segti gyfeleit a feltrekv s gyorsan nvekv cgektl a multinacionlis nagyvllalatokig zleti lehetsgeik minl hatkonyabb kiaknzsban. Vilgszerte 141.000 munkatrsunkat ktik ssze cgnk meghatroz rtkei s a minsg irnti szilrd elktelezettsgnk. gy segtjk gyfeleinket, munkatrsainkat s szlesebb krnyezetnket lehetsgeik teljes kr kihasznlsban. zleti kapcsolataink Magyarorszgon tvelnek a vezet magyar- illetve multinacionlis vllalatok krn, a magyar piac legkiemelkedbb szereplit is belertve. Szakrtink az adtancsads, a tradicionlis knyvvizsglat, a tranzakcis tancsads, az informatikai- s adatbiztonsg, az zleti kockzatkezels, a bels ellenrzs, a vllalati visszalsek kivizsglsa, valamint a humn-erforrs menedzsment kihvsaira nyjtanak megoldst. A szellemi tknk soksznsge lehetv teszi szmunkra, hogy a felmerl krdsekre komplex s integrlt, m miden esetben gyflre szabott megoldsokat dolgozzunk ki. Vllalati kultrnk alappillre a rgik kztti tuds- s tapasztalat megoszts. gy mindig a legjobb megoldssal, hatkonyan s a legmagasabb minsgi elvrsoknak megfelelve nyjtjuk szolgltatsainkat. Szndkunk, hogy a globlis tudst s technikkat a helyi adottsgokkal s lehetsgekkel tvzzk. Szertegaz tapasztalatunknak s kiegyenslyozottan magas szint munknknak ksznheten mra a magyar lzingpiacon jelenlv cgek szles krnek nyjtunk szolgltatsokat az adzs s a knyvvizsglat tern. A magyarorszgi Ernst & Young-rl tovbbi informcikat a www.ey.com/hu weboldalon olvashat, ahol egyebek kztt bvebben tjkozdhat szolgltatsainkrl, ipargi tevkenysgeinkrl s kiadvnyainkrl.
Ernst & Young as a global leader in assurance, tax, transaction and advisory services joins forces with its clients (emerging and rapid growth companies as well as multinational enterprises) to help them make the most of the opportunities their business can reach out to. Worldwide, our 141,000 people are united by our shared values and an unwavering commitment to quality. We make a difference by helping our people, our clients and our wider communities achieve their potential. Our business relations in Hungary include leading Hungarian and multinational companies alike, with some being the most prominent businesses in the local market. Our professionals offer solutions to challenging issues in the fields of taxation, traditional audit, transaction management, information and technology security, business risk management, internal audit, corporate fraud and human resources management. Our diversified intellectual capital allows us to develop complex and integrated yet client-focused solutions to every issue. Our corporate culture is strongly based on interregional knowledge and experience sharing. This ensures that we consistently deliver the best solutions to our clients in an efficient manner and up to the highest standards. We are striving to combine global knowledge and techniques with local potentials and opportunities. Owing to our diverse experience and the consistently high quality of our services, today we supply tax and assurance services to a large number of leasing companies in the local leasing market. For further information about Ernst & Young services in Hungary, industry activities and publications, please visit our website at www.ey.com/hu.
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Leasing Yearbook
EurotaxGlass's Magyarorszg Kft.

Address: H-1141 Budapest Szuglo utca 130. Telephone: +36 1 469 3074 | Fax: +36 1 469 3063 E-mail: eurotax@eurotax.hu Website: www.eurotaxglass.hu Representative: Labodics Jnos
Az EurotaxGlasss az eurpai gpjrm-informatikai piac vezet adatszolgltatja. A cg mr tbb mint 75 ve fggetlen piaci megfigyelknt mkdik Eurpban. Az EurotaxGlasss International AG az Eurotax s a Glasss autpiaci informcis trsasgok egyeslsvel jtt ltre 2000 decemberben, ezzel a cg eurpai piacvezetv vlt az autipari zleti adatszolgltatsban. A trsasg kzpontja Svjcban, Zrich mellett tallhat. Eurpa 27 orszgban, valamint Ausztrliban kpviselteti magt. A cgcsoport 20 lenyvllalatbl pl fel s tovbbi 8 disztribtor partnerrel dolgozik egytt. A magyarorszgi lenyvllalat 1989 ta mkdik a hazai gpjrm informatikai piac terletn. Szles termk- s szolgltats palettja 75 v tapasztalatval, teljes lefedettsget knl a jrmvek egsz letszakaszt tfog informciival, amelyek az zleti dnts elksztsben nyjtanak nlklzhetetlen segtsget: a specifikcik, a maradvnyrtk meghatrozs, a fenntartsi s javtsi kltsgek, a krkalkulci s a jvbeni piaci elrejelzs terletein. Az adatok rgztse, feldolgozsa s kirtkelse modern, egysges rendszerben (IDD: International Data Delivery) trtnik: mely lehetsget nyjt eurpai szint sszehasonltsokra, tlpve a nyelvi korltokon, a helyi modell elnevezseken s a helyi szakterminolgin. Az IDD rendszer lehetv teszi a nemzeti szint adatok kzs struktrba illesztst, ltrehozva ezzel egy teljes Eurpt tlel adatbzist. Az alkalmazsi terlet rendkvl szertegaz. A kis s kzepes mret autkereskedktl, mhelyektl kezdve a nagy nemzetkzi finanszroz s lzing cgeken t a jrmgyrtkig, biztost trsasgokig mindentt az EurotaxGlasss informcii tmogatjk az zleti mkds hatkonysgt. Termkei elrhetek nyomtatott formban, szoftverbe gyazva, adatfjlokknt illetleg egyni gyfl ignyek szerint kialaktott elektronikus formban egyarnt. Ngy f tevkenysgi terletre strukturlta adatait, termkeit s zleti szolgltatsait. Azonosts - Aut Ident program , Eurotax Adatbzisok rtkels - Aut / Haszongpjrm / Motorkerkpr rtk offlineonline programok, Jrm Konfigurtor, Aut Futura, Car-Compare, Javts - Aut Kalk, Parts Monitor, AM-Data, EGIS Szakmai tmogats - Krrendezsi joggyakorlat, Piaci elemzsek, Gpjrm szakrti tevkenysg Az EurotaxGlasss gpjrm adatbzisait immron nemzeti szinten alkalmazzk klnfle eurpai kormnyzati szervek is -kztk Magyarorszg- a gpjrm regisztrcis/nyilvntartsi folyamataik sorn. Az EurotaxGlasss minden piaci rsztvev szmra fggetlen, objektv s napraksz adatokat knl, megvalstva ezltal a Jrmpiaci Informci-Szolgltatst. Lzingvknyv [ 75 ]
EurotaxGlasss is the leading information provider on the European automotive intelligence market. The company has been operating for 75 years as an independent market observer.The EurotaxGlasss International AG came to existence via the merger of two automotive intelligence companies, Eurotax and Glasss, in December of 2000, resulting in the emergence of the company as the leading provider of automotive business information in Europe. The company headquarters are situated in Zrich, Switzerland, and the company is represented in 27 European countries. The company group comprises of 20 branches and it cooperates with 8 distributing partners. The Hungarian branch has been operating on the domestic automotive intelligence market since 1989.EurotaxGlasss wide selection of products and services, backed by 75 years of experience, offers complete follow-up on the vehicle life-cycle, providing indispensable background information for business decisions in the following areas: technical specification, residual value, cost of ownership, repair cost, damage assessment and forecast of future value.The data are captured, processed and analysed via a state-of-the-art unified system (IDD: International Data Delivery), offering Europewide comparison of data, going beyond language barriers, local model names and professional terminology. The IDD system offers a unified structure for international data, resulting in a pan-European database. The areas of application are many. From minor and medium sized car dealers and repair shops through major international finance and leasing companies to vehicle manufacturers and insurance companies, EurotaxGlasss intelligence supports an efficient business environment. EurotaxGlasss solutions are available in print, embedded in software, streamed into data files and via unique digital solutions tailored to specific customer needs. EurotaxGlasss business services, products and data have been concentrated around four main areas of activities: Identification - Auto Ident application , Eurotax Databases Valuation - Passenger Vehicles, Commercial Vehicles, Motorbikes, both offline and online applications, Car Configurator, Auto Futura, Car-Compare Repair - Auto Kalk, Parts Monitor, AM-Data, EGIS Professional Support -Legal Practice, market analysis, damage assessor activities Databases of EurotaxGlasss are used internationally by various European government organizations, including Hungary, for vehicle registration processes and official records operations. EurotaxGlasss provides all market players with independent, objective and up-to-date information, embodying Automotive Business Intelligence. Leasing Yearbook
Hajas Szakrti Iroda

Address: H-1152 Budapest, Zrnyi u. 6. Telephone: +36 1 271 0427 | Fax: +36 1 271 0428 E-mail: hajas@hajasjozsef.eu Website: www.hajasjozsef.eu
Hajas Jzsef a Magyar Kztrsasg terletre kirendelt Igazsggyi gpjrm kzlekedsi mszaki szakrt. 2001-ben, kinevezst kveten alaptotta a Hajas Szakrti Irodt, mely keretn bell fknt finanszrozk rszre kszt szakrti vlemnyeket finanszrozst megelz, valamint visszavtelt kvet forgalmi rtk meghatrozs vonatkozsban. rtkelt eszkzk kre: szemlygpkocsik, kis s nagy haszonjrmvek, ptkocsik, fldmunkagpek, mezgazdasgi berendezsek. Fentieken tl Hatsgok, Brsgok kirendelse, valamint magnmegrendelk megbzsa alapjn brmely jrmvekkel kapcsolatos vlemnyt kszt.
Hajas Jzsef is a judicial technical expert in vehicle transport who is delegated to the Republic of Hungary. After his appointment, he established the Hajas Expertise Office in 2001, where he mainly prepares expertise reports for financers concerning the market value of the financed assets before the financing or after the repossession. The appraised assets include automobiles, lorries and trucks, excavators, trailers, agriculural equipment. Apart from this, he gives his expert opinion on any vehicle upon the request of authorities, courts or private customers.
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Leasing Yearbook
Leasing Risk Kft.

Address: H-1191 Budapest, Ady Endre t 42-44. Telephone: +36 1 450 1206 | Fax: +36 1 450 1207 E-mail: info@leasingrisk.hu Website: www.leasingrisk.hu Representative: Kovcs Attila CEO
A Risk Cgcsoport alapti, vezeti a '90-es vek elejn kezdtk tevkenysgket, a kibontakozban lv lzingcgek kockzatkezelsi terletn. A Leasing Risk Kft-t 1999-ben, immr 11 ve alaptottuk. Munkatrsaink tbbsge tbb, mint 15 ve - msms szervezeti formban - pnzgyi- s kereskedelmi vllalkozsok (bankok, lzingcgek, gpjrm kereskedsek) kintlvsg-kezelsvel foglalkozik. A Leasing Risk Kft. - lve a Magyar Lzingszvetsg ltal felknlt lehetsggel - krte felvtelt a Szvetsg prtol tagjai sorba. A tagok tbbsgnek szavazatt megkapva cgnk 2007.02.01.-tl a Magyar Lzingszvetsg Prtol Tagja, a 2009. november 5-6 kztt megrendezend Lzing Szakmai Napok arany fokozat tmogatja. Remljk, hogy a tmogat szavazatok kifejezik azt a bizalmat s elismerst, melyet Megbzink rszre - hossz vek ta - nyjtott, magas szint szolgltatsainkkal s piaci hrnevnkkel vvtunk ki magunknak. A Risk Cgcsoportot az elmlt vekben kiegyenslyozott, folyamatos fejlds jellemezte, amely megmutatkozik az ltalunk kezelt gyek mennyisgben, az ltalunk nyjtott szolgltatsok minsgben, azok krnek, jellegnek bvtsben, s folyamatos emelkeds tapasztalhat technikais humn erforrsaink sznvonalban is. A rendelkezsnkre ll emberi- s technikai erforrsok lehetv teszik szmunkra, hogy megbzsainkat az orszg egsz terletn, de igny szerint gyakorlatilag a vilg brmely pontjn vgre tudjuk hajtani.
The leaders and charter members of the Leasing Risk Kft. began their activity at the beginning of the 90s on the field of the evolving leasing companies. We founded the Leasing Risk Kft. in 1999, 11 years ago so far. Most of our colleagues have been dealing with outstanding-debts for more than 15 years in various organisation forms of financial, commercial companies (ex. banks, leasing companies, vehicle dealers). The Leasing Risk Kft. snatching at the chance given by the Hungarian Leasing Association have made the application to join to the promoting members. As we received the vote of most of the associates we are the Promoting Member of the Hungarian Leasing Association since 01.02.2007., and a golden class supportive of the Leasing Convention hold on 5-6 November, 2009. Hopefully, the promoting votes express the confidence and appreciation that we achieved giving high-quality service and won renown for so many years. A consistent and continuous development is the characteristic of the Risk Group, that is shown in the number of our treated cases, in the quality of our service, and also in the enlargement and raise of these both. A persistent rise is a representative also of our technical- and human resources standard. Our disposal human- and technical resources allow us to accomplish orders all over the country, and on-demand practically in any part of the world.
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Leasing Yearbook
MONTANA Tudsmenedzsment, Rendszerintegrtor s Szoftverfejleszt Kft.

Address: H-1118 Budapest, Rtkz utca 5. Telephone: +36 1 327 9800 | Fax: +36 1 327 9801 E-mail: info@montana.hu Website: www.montana.hu Representative: Vadsz Pl CEO
A MONTANA Tudsmenedzsment Kft. a jogeld MONTANA Zrt. 1989-es megalakulsa ta - a hazai IT iparg lvonalbeli cgeknt meghatroz szerepet tlt be a magyar piacon az aktivitsunk kzppontjba lltott nll megoldsfejleszt tevkenysgnk, a tbb mint kt vtizedes IT-integrcis szakrti tapasztalatunk, s az informatikai biztonsg terletn knlt szolgltatsaink rvn. A MONTANA ltal elvgzett munka minsgt nemcsak munkatrsaink szakrtelme, hanem az alkalmazott ITIL ajnlsok s ISO 9001:2008 minsgbiztostsi rendszer is garantlja. Csapatunk az ezredfordul ta kiemelten koncentrl a sajt fejleszts alkalmazsok kidolgozsra (MonDoc System, MonFlow, Infovadsz), mindemellett a piacon tallhat termkek szles skljt is knljuk gyfeleinknek (pldul SAP, SharePoint, levelezrendszerek, kzponti archvumok). Megoldsainkkal gyfeleink komplex problmira adunk adekvt vlaszokat, melyekkel hozzjrulunk az gyfl szervezetnek hatkonysg emelshez, versenykpessgnek nvelshez, a szervezetben felhalmozott tudsvagyon optimlis felhasznlshoz. Tudsmenedzsmentre szakosodtunk, ezrt fontos, hogy bvl tevkenysgi krnk a klasszikus vezetsi tancsads szolgltatsokkal (Montana Management Consulting), amely segtsgvel a cges mkdsfejlesztsi s informatikai stratgikat kidolgozva, az zleti folyamatokat felmrve, azokat racionalizlva, teljes kr megoldst tudunk biztostani gyfeleink szmra. Mindezek mellett biztostjuk az zleti folyamatmenedzsment terletn felptett mdszertani (BPM, Lean Management, Six Sigma), valamint egyedlllan komplex tmogat BPM eszkz kompetencinkat (ARIS termkcsald, MEGA, ADONIS).
As one of the leading companies in the domestic IT industry, MONTANA Knowledge Management Ltd. has played a defining role in the Hungarian market ever since the establishment of its predecessor in title, MONTANA Zrt. in 1989. This leading role is due to our own solution development activities, our more than twenty years of IT integration experience, and our services in the field of IT security, which all play an important role in our activities. The quality of the work carried out by MONTANA is not only guaranteed by our employees expertise, but also by the applied ITIL recommendations and the ISO 9001:2008 quality assurance system. Since the turn of the millennium, our team has been focusing especially on developing proprietary applications (MonDoc System, MonFlow, Infohunter). Nevertheless, we also offer our customers a wide range of products available on the market (such as SAP, SharePoint, mailing systems, and central archives). Our solutions provide adequate answers to the complex problems of our customers, thus contributing to increasing the efficiency of our clients organisations, helping them become more competitive and optimally utilise the knowledge accumulated within their organisations. We specialise in knowledge management, therefore it is important that our range of activity also includes classic management advisory services (Montana Management Consulting), by which we can offer comprehensive solutions to our customers through developing activity improvement and IT strategies, and assessing and rationalising business processes. In addition, we also provide our business process management methodology (BPM, Lean Management, Six Sigma), and our uniquely complex support BPM device competences (ARIS product range, MEGA, ADONIS).
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Leasing Yearbook
NESS HUNGARY KFT.

Address: H-1115 Budapest Bartk Bla t 105-113. Telephone: +36 1 481 4550 | Fax: +36 1 481 4551 Representative: Mszros Gergely
A Ness Hungary a magyar tancsadi piac vezet szereplje. Jogeldnket az FMC Tancsad s Informatikai Kft-t 2007 novemberben vsrolta meg a Nasdaq-on jegyzett Ness Technologies Inc., mely a vilg 18 orszgban van jelen. Kzel 200 tancsadnkkal testreszabott megoldsokat knlunk gyfeleink szmra pnzgyi, szmviteli s kontrolling folyamatok; elltsi lnc; emberi erforrs; integrlt technolgiai s e-business; zleti intelligencia megoldsok s banki alkalmazsok terletn. A knlt lzing megoldsaink: Mkdsfejleszts Tbbcsatorns gyflkezels Csatorna kltsgelemzs Piaci pozcionls Termkportfli elemzs gyfl-szegmentcis stratgia A Ness csoportszinten 15 ves lzingtapasztalattal, s a csoporttagok szoros egyttmkdse rvn regionlis leszlltsi kpessggel rendelkezik. Szolgltatsaink kzl jelentsgben kiemelkedik a Ness Slovakia ltal fejlesztett lzing gyviteli rendszer, melyet a szlovk lzingpiac meghatroz szerepli hasznlnak: Tatra Leasing (Raiffeisen), sAutoleasing (Erste), Leasing of Slovak Savings Bank, Unicredit Leasing, Credum (Societe General), VUB Leasing (Intesa/SanPaolo), Santander Leasing gyfeleink: Pnzintzeti szektor: Erste Leasing Group, Raiffeisen Lzing Zrt., Raiffeisen Bank, K&H Lzingcsoport, Allianz, BISZ, Budapest Bank, Cetelem Bank, CIB Bank, Citibank, Credit Agricole, Erste Bank Hungary, FHB Bank, Generali-Providencia, Giro Elszmolsforgalmi Zrt., K&H Bank, Magyar Fejlesztsi Bank, Magyar Klkereskedelmi Bank, Magyar Nemzeti Bank, Magyar Takarkszvetkezeti Bank, OTP Bank, SIGNAL Biztost, Unicredit Bank
Ness Hungary is a leading member of the Hungarian consultancy market. Our predecessor in title FMC Tancsad s Informatikai Kft. was acquired in 2007 by Ness Technologies Inc., which is quoted on Nasdaq and maintains offices in 18 countries around the world. With almost 200 consultants we provide custom made solutions in financial, accounting and controlling processes; supply chain; human resource; integrated technology and e-business; business intelligence solutions and banking applications. Our leasing solutions: Operation development Multi-channel management Channel cost analysis Market positioning Product portfolio analysis Client-segmentation strategy Ness on group level has 15 years of leasing experience, and regional delivery capabilities. One of our most significant solutions is the leasing transaction system developed by Ness Slovakia, and used by following leading members of the Slovakian market: Tatra Leasing (Raiffeisen), sAutoleasing (Erste), Leasing of Slovak Savings Bank, Unicredit Leasing, Credum (Societe General), VUB Leasing (Intesa/SanPaolo), Santander Leasing Our clients: Financial institutions: Erste Leasing Group, Raiffeisen Lzing Zrt., Raiffeisen Bank, K&H Lzingcsoport, Allianz, BISZ, Budapest Bank, Cetelem Bank, CIB Bank, Citibank, Credit Agricole, Erste Bank Hungary, FHB Bank, Generali-Providencia, Giro Elszmolsforgalmi Zrt., K&H Bank, Magyar Fejlesztsi Bank, Magyar Klkereskedelmi Bank, Magyar Nemzeti Bank, Magyar Takarkszvetkezeti Bank, OTP Bank, SIGNAL Biztost, Unicredit Bank
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Leasing Yearbook
OPTEN Informatikai Kft.

Address: H-1142 Budapest, Rkospatak u. 82. Telephone: + 36 1 222-3130 | Fax: +36 1 470 0750 Representatives: Tth Tams gyvezet igazgat
Opten Informatikai Kft. - A hiteles cginformci forrsa. Az Opten Informatikai Kft. 16 ves mltra tekint vissza a cg s jogi informcik terletn. Jelenleg kzel 100 munkatrsunk dolgozik online szolgltatsaink kifogstalan mkdsn s fejlesztseken. Online informci-szolgltatsaink irnt gyorsan ntt az igny, 2008-ban nett rbevtelnk elrte az 1 millird Ft-ot. 'Cgtr' cginformcis rendszernk piacvezet szerepet tlt be, 'Trvnytr' jogi informcis rendszernk pedig tartalmazza a hatlyos magyar s Eurpai Unis jogszablyokat is. Kvetels-nyilvntart, kapcsolati hl s automatikus partnerfigyel rendszereink cgek, egyni vllalkozk, bankok s kltsgvetsi intzmnyek ignyeit elgtik ki jogi, gazdasgi s cginformcival, melyek segtsgvel partnereiket folyamatosan ellenrizhetik s zleti dntseiket optimalizlhatjk.
Opten Informatics Ltd. The authentic source of economic information. Opten Informatics Ltd. has a 16 year long history in the field of economic and legal information systems. Currently almost 100 employees work on smooth daily operation of our online services and on the software development. The demand for the online version of these information systems has grown very fast, so in 2008 we reached yearly turnover of 1 billion HUF. The company information service (Cgtr) is presently the market leader, our legal information service (Trvnytr) contains both Hungarian and EU updated laws. Our claim registry system, related enterprises net and automatic partner monitoring system cater for the need of companies, banks, individual entrepreneurs and budgetary institution for legal, economic and company information which makes the continuous controlling of business partners possible and helping them to make optimal decisions based on the available information.
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Leasing Yearbook
PricewaterhouseCoopers Kft.
Address: H-1077 Budapest, Wesselnyi u. 16. Telephone: +36 1 461 9100 | Fax: +36 1 461 9101 Representative: George Johnston
A PricewaterhouseCoopers (www.pwc.com/hu) iparg specifikus knyvvizsglati, ad- s pnzgyi tancsadsi szolgltatsaival segti gyfeleit sszetett zleti problmk megoldsban, s abban, hogy mrhet mdon legyenek kpesek rtk teremtsre. Tbb mint 163 000 szakrtje a vilg 151 orszgban j megkzeltsen alapul komplex szakrti tancsok alkotsa rdekben egyesti tudst s tapasztalatt. A PricewaterhouseCoopers az zleti tancsadsi szolgltatsok teljes skljt nyjtja a vezet nemzetkzi, nemzeti s helyi cgek s kzintzmnyek szmra. Ezek a szolgltatsok a kvetkezk: knyvvizsglat, szmviteli s adtancsads; informci technolgiai s emberi erforrs tancsads; pnzgyi tancsadsi szolgltatsok, belertve a fzikat s felvsrlsokat, vllalat-jjszervezst, projekt finanszrozst s a peres gyekben val kzremkdst; zleti folyamatok kiszervezse; valamint jogi szolgltatsok a kapcsold gyvdi irodk nemzetkzi hlzatnak segtsgvel. Szolgltatsainkat szolgltatsi gazatokba szerveztk, melyekben magasan kvalifiklt, tapasztalt kollgink s vezetink dolgoznak. Szolgltatsi gaink a kvetkezek: Knyvvizsglat, Tancsads, Ad s Jogi tancsads. A PwC magyarorszgi irodjban kzel 600 jelents hazai s nemzetkzi tapasztalatta, minden ipargra kiterjed gyflkapcsolattal, szleskr regionlis s nemzetkzi tudssal valamint jelents EU kapcsolatokkal rendelkez kollgink segtik gyfeleinket. Clunk, hogy olyan szervezett vljunk, mely a vilg vezet nemzetkzi, nemzeti s helyi vllalatainak, kzintzmnyeinek, kormnyzati s nem-kormnyzati szervezeteinek tfog zleti megoldsokat biztost s ezrt kiemelten kezelik.
PricewaterhouseCoopers (www.pwc.com/hu) provides industry-focused assurance, tax and advisory services to build public trust and enhance value for its clients and their stakeholders. More than 163,000 people in 151 countries across our network share their thinking, experience and solutions to develop fresh perspectives and practical advice. PricewaterhouseCoopers provides a full range of business advisory services to leading global, national and local companies and to public institutions. These services include audit, accounting and tax advice; information technology and human resource consulting; financial advisory services, including mergers & acquisitions, business recovery, project finance and litigation support; business process outsourcing services; and legal services through a global network of affiliated law firms. Our service offerings have been organised into Lines of Service, each staffed with highly qualified, experienced professionals and leaders in our profession. Our Lines of Services are: Assurance Services, Advisory Services, Tax & Legal Services. Around 600 professional staff of PwC in Hungary has relevant local and international experience, client relations in every industry sector, extensive regional and international knowledge and strong EU connections. We intend to become the professional organization of preference, providing solutions to the complex business needs of the worlds leading global, national and local companies, public institutions, and organizations, both governmental and non-governmental. The medium-size company market is important in its own right in most places, and it is also vital to identify the next generation of top-tier companies.
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Leasing Yearbook
TURI Tancsad Kft.

Address: H-6727 Szeged, Lwy Sndor u 47/a. Telepone: +36 30 247 0402 E-mail: turitanacsado@t-email.hu Representative: Turi Attila
A TURI Tancsad Kft 2009 ben azzal a cllal alaptottam, hogy a kzel 20 ves szakmai tapasztalatot szles krben hasznostani tudjam. A bemutatkoz anyagban szeretnm nnek bemutatni, hogy a milyen jelleg megbzst tud vllalni cgem, miben tudunk kzsen egyttmkdni. A szakmai ismeretek az albbi terletekre terjednek ki: Fggetlen tbbes gynki tevkenysg: A PSZAF elrsoknak megfelelen fggetlen tbbes gynki tevkenysget vgzek elssorban a vllalati gyflkrben, amely magban foglalja az gyfl igny felmrst, ajnlatadst, s a szerzds ksbbi teljes szakaszban a kzremkdst a Finanszrozk fel. Magyarorszgi lzingpiaci ismeretek: A lzingpiacon eltlttt 15 ves szakmai mlt valamint a Magyar Lzingszvetsg Truck Bizottsg vezeti beoszts biztostott megfelel alapot elssorban a vllalati szektor s a corporate eszkz piaci ismeretek megszerzshez. Az zleti tapasztalat s kapcsolatok a tbb szz gyfllel val zletkts sorn alakult ki, az eszkzismeret s a szllti kapcsolatok (elssorban a tehergpjrm piac) pedig az vek alatt fejldtek. zletfejlesztsi ismeretek: Eszkz alap finanszrozsi rendszerek kialaktsa: a finanszrozhat eszkzk szegmentlsa, finanszrozsi felttelek (zleti-, kockzati-, technolgiai) ltrehozsa, a finanszrozshoz szksges teljes zleti-, szablyzati-, s monitoring rendszer elksztse. A tapasztalatok az j zleti terlet kialaktstl a knyszerrtkestsi csatornk s modellek kialaktsig terjednek. Tbb ves folyamat- s technolgiafejlesztsi ismeretekkel rendelkezem, melyek az zleti igny kitallstl a kvetelmny specifikcin t a rendszer bevezetsig tart. A vllalati zleti szektorban jelents mennyisg termkfejlesztst vgeztem, amely a finanszrozsi termket kombinlta a biztostssal, zemanyag- s egyb szolgltatsokkal. Projektvezetsi ismeretek A projekt alap mkdst a gyakorlatban alkalmaztam, gy a rendszerszervezs, folyamatszervezs, projektvezets, s a megvalsts tern megfelel a tapasztalatom. Vezets, szervezs: A vezeti beosztsombl addan a stratgiatervezshez, rdekeltsgi rendszerek ltrehozshoz s egysges tuds bzis kialaktshoz is megfelel ismeretekkel rendelkezem. Amennyiben valamely terlet felkeltette rdekldst szemlyes konzultci sorn beszljk meg, vrom jelentkezst. Lzingvknyv [ 82 ]
I established TURI Tancsad Kft. in 2009 to make use of my nearly 20 years of professional experience. In this introduction I would like to show you what sort of orders my company can undertake, how we can co-operate. My professional skills cover the following fields: Independent multiagent activity: In accordance with the PSZF (Hungarian Financial Supervisory Authority) regulations I perform multi agent activity focusing mainly on corporate customers including assessing customer demand, submitting proposals and managing the case towards the financing companies during the entire course of the agreement. Hungarian leasing market skills: 15 years of experience in the leasing market and a leading position as the Head of the Truck Committee of the Hungarian Leasing Association have given me enough time and opportunity to learn how the corporate sector and the corporate asset market work. I have gained my business experience and relations by means of doing business with hundreds of customers while my asset skills and transporter relations have been developed through the years. Business development skills: Establishment of asset-based financing systems: segmentation of the financeable assets, establishment of the financing conditions (financial, risk, technological), development of overall financial, regulatory and monitoring system. The experience ranges from the establishment of a new business field to the establishment of the liquidation sales channels and models. I have several years of experience in process development and technology development, which help me lead the client through all the stages of a deal from finding out the business demand through the requirement specification up to the installation of the system. I have participated in a significant number of product development projects, which combined the financing product with insurance, fuel services or other provisions. Project leadership skills: I have applied the project-based operation in practice, so I have appropriate experience in the field of system organization, process organization, project leadership and project implementation. Leadership, organization: As I have spent several years of my career in a leader position, I have enough knowledge in strategic planning, establishing commission systems and setting up a uniform knowledge base. In case any of the above-mentioned fields has aroused your interest, do not hesitate to call me.
Leasing Yearbook
UNIQA Biztost Zrt.

Address: H-1134 Budapest, Rbert Kroly krt. 70-74. Telephone: +36 1 544 5555 | Fax: +36 1 238 6060 Website: www.uniqa.hu Representative: Polnyi Zoltn rtkestsi figazgat, Gulys Istvn alkuszigazgat
Vllalatunk, az UNIQA Biztost Zrt. az alaptsa ta eltelt kzel kt vtized alatt a magyar piac hatodik legnagyobb biztosttrsasgv vlt. Az egsz orszgra kiterjed rtkestsi hlzattal rendelkeznk, 2009 vgn kzel 680 ezer szerzdst kezeltnk. 2009. vi brutt djbevtelnk meghaladta a 52,83 millird forintot. Biztostnk 1990 ta van jelen Magyarorszgon, 2003 novembertl UNIQA Biztost Zrt. nven. Clunk, hogy gyfeleinknek teljes kr szolgltatst nyjtsunk olyan minsgben, amely mrtkad ms biztostk szmra is. Vllalatunkat 2010-ben immr negyedik alkalommal vlasztottk a legjobb magyarorszgi mrkk kz, s msodszorra is elnyertk a Business Superbrands elismerst. Az UNIQA Biztost Zrt. az egyik vezet kzp-eurpai biztostcsoport, az UNIQA Group Austria tagja. Az UNIQA csoport tbb mint 22.000 munkatrssal s zletktvel rendelkezik, djbevtele 2009-ben meghaladta az 5 millird eurt. F tevkenysgi terlete Kzp- s Kelet-Eurpa, ahol az vek sorn sok tapasztalatra tett szert, amely kivl alapul szolgl a tovbbi dinamikus nvekedshez.
During the past two decades since the founding of UNIQA Biztost Zrt., the company has become the sixth largest insurance company on the Hungarian market. It manages over 680 thousand policies and has a sales network that encompasses the entire country. The premium revenues in 2009 exceeded HUF 52,83 billion. The insurance company has had a Hungarian presence since 1990, bearing the name UNIQA Biztost Zrt. from November of 2003 onward. The objective is the provision of comprehensive services to the clients at a level of quality that sets the standard for other insurance companies as well. In 2010 our company was elected among to the best Hungarian brands for the fourth time, and we also managed to achieve the Business Superbrand award again. UNIQA Biztost is the member of UNIQA Group Austria, one of the leading Central-European insurance groups. The UNIQA Group has close to 22,000 associates and sales personnel; in 2009 its premium revenues exceeded EUR 5 billion. Its primary operational regions include Central and Eastern Europe, where over the course of many years it has accumulated a great deal of experience which provides an excellent foundation for continued dynamic growth.
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Leasing Yearbook
www.visszavett.hu
Recording and the selling of reposessed cars, commercial vehicles and tools From reposession to re-sale.
Quick re-sale Achieving the highest re-sale price Hundreds of registered merchants Decreasing the administration fees Regulated and transparent processes Up to date information
Different sale methods (auctioning-, minimal- and rapid price) Record keeping of expert evaluations (condition checks, pictures....) Fast recording, easy to use No initial expenses
Referencies: Budapest Autnanszrozsi Zrt. Budapest Flotta Zrt. ING Magyarorszg Jrm- s Eszkzlzing Zrt. MKB-Euroleasing Zrt. MKB-Euroleasing Authitel Zrt. MKB-Euroleasing Autlzing Zrt. PSA Finance Hungria Pnzgyi Szolgltat Zrt. Toyota Pnzgyi Szolgltat Magyarorszg Zrt.
Ardents Kereskedelmi s Szolgltat Kft.

1097 Budapest, Mester u. 30-32. Telefon: +36-1-456-17-17 Fax: +36-1-456-18-79 E-mail: info@ardents.hu Web: http://www.ardents.hu
A LZINGSZVETSG MKDSE HOW THE LEASING ASSOCIATION WORKS
A Magyar Lzing s Finanszroz Trsasgok Szvetsge 20 ve mkdik, jelenleg 40 norml s 22 prtol tagja van. Tagjaink kztt megtallhatk a legnagyobb pnzintzetek lenyvllalatai ppgy, mint a kis, magntulajdonban ll vllalkozsok. A Szvetsg tagvllalatainak forgalma jelenleg a magyar lzingpiac tbb, mint 97%-t lefedi. SZAKMAI SSZEFOGS A Magyar Lzing- s Finanszroz Trsasgok Szvetsge clja az sszefogs rdekeinek klcsns tiszteletben tartsa mellett, a kzs rdekek kpviselete tjn a szakmai krdsek megvitatsa, az gy kialakult egysges llsfoglalsok, nzetek kpviselete, a lzing- s finanszroz tevkenysg jelenleginl fejlettebb szint meghonostsa a gazdasgi letben, s a tisztessgtelen, etiktlan piaci magatarts elleni kzs fellps. A Szvetsg tovbbi clja az oktats, magas szint kpzs s ismeretterjeszts. RDEKKPVISELETI TEVKENYSG A Szvetsg clja a gazdasgpolitika, ezen bell a fisklis, kltsgvetsi s monetris politika folyamatos figyelemmel ksrse s vlemnyezse is, klns tekintettel azokra a krdsekre, amelyek a lzing- s finanszroz trsasgok s az egsz szakma mkdsi feltteleit befolysoljk. Emellett fontos szmunkra a gazdasgpolitikrl s a jogalkot munkrl a Szvetsgben kialakult vlemnyek rendszeres megjelentse s hatkony kpviselete. KZGYLS A Szvetsg legfbb dntshoz testlete a Kzgyls, amelyet a tagok sszessge alkot. A Kzgylsen, minden rendes tag egy szavazattal rendelkezik. A prtol tagok nem rendelkeznek szavazati joggal. A Kzgyls vlasztja az Elnksget, az Etikai s az Ellenrz Bizottsg tagjait, dnt a tagsggal, tagdjjal, ves kltsgvetssel s a mkds kereteit meghatroz ltalnos krdsekkel kapcsolatban. ELNKSG A Szvetsg kpviseleti szerve a kzgyls ltal vlasztott httag elnksg, amely az Elnkbl, kt Alelnkbl, s ngy Elnksgi Tagbl ll. A Kzgyls az Elnksget 5 vre vlasztja. Az Elnksg jogosult a Kzgyls hatskrbe nem tartoz gyekben dnteni. Az Elnksg hatrozatkpes ngy Elnksgi tag jelenlte esetn. Hatrozatait nylt szavazssal, egyszer sztbbsggel hozza. Az elnksg szksg szerint, de a jelenlegi gyakorlat szerint legalbb havonta egyszer lsezik s dnt az operatv gyekben, illetve elkszti a Szvetsg stratgijt megalapoz dntseket.
HOW THE LEASING ASSOCIATION WORKS The Hungarian Leasing and Financing Association has existed for 20 years and currently has 40 regular and 22 supporting members. Among our members, subsidiaries of the largest financial institutions can be found as well as small, private enterprises. The turnover of the members of the Association currently exceeds 97% of the Hungarian leasing market. PROFESSIONAL UNITY Through respected values that called for the joining of forces, and by representing our common interests, the Hungarian Leasing Association aims to discuss and debate professional issues, represent common ground, integrate a more developed leasing and financing activity in the economy, and jointly step up against unethical business conduct. A further aim of the Association is training, high-level education, and the dissemination of knowledge. REPRESENTATION OF INTEREST The Association aims to monitor and reflect on economic policies, more closely fiscal, budgetary and monetary policies, with special attention to matters directly affecting the activity of the leasing and financing companies and the whole industry. Furthermore, it is highly important to publish and effectively represent the opinion of the Association on the economic policies and legislative matters. GENERAL ASSEMBLY The topmost decision-making body of the Association is the General Assembly, the complete membership. At the Assembly, each member holds one vote. Supporting members hold no votes. The Assembly elects the Executive Council, the members of the Ethical and Supervising Committees, makes decisions concerning membership, membership fees, annual budget and issues concerning the work of the Association. EXECUTIVE COUNCIL The representative body of the Association is the Executive Council, which comprises the President, two Vice Presidents, and four Councillors. The Assembly elect the Council for a period of five years. The Council has the authority to decide on matters not in the jurisdiction of the Assembly. The Council is quorate with four Councillors present. Decisions are made with open ballot, with simple spoken majority. The Council meets at least once a month and decides on operational matters, and prepares decisions that substantiate the strategy of the Association.
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AZ ELNKSG TAGJAI MEMBERS OF THE EXECUTIVE COUNCIL
Dr. Dunavlgyi Mria

a Lzingszvetsg elnke Okleveles kzgazdsz, GKI makrokonmiai elemz 1990-1994: 1994-1996: 1996-1998: 1998-2002: 2002-2006: 2006 februrja 20082010ENSZ - New York llamadssg Kzpont igazgathelyettese Budapesti rtktzsde vezrigazgatja Deloitte & Touche partner, alelnk Master Card dlkelet-eurpai vezetje ta az OTP Lakslzing Zrt. elnk-vezrigazgatja Magyar Lzingszvetsg elnksgi tag Magyar Lzingszvetsg elnke
Dr. Mria Dunavlgyi

President Chartered economist, GKI macroeconomic analyst 1990-1994: 1994-1996: 1996-1998: 1998-2002: 2002-2006: 2006 february20082010UN - New York llami Adssgkezel Kzpont, Deputy Managing Director Budapesti rtktzsde, CEO Deloitte & Touche, partner, Deputy Chair Master Card, South-East European leader OTP Lakslzing Zrt President-CEO Hungarian Leasing Association, member of the Executive Council President of the Hungarian Leasing Association
Domonkos Andrs
a Lzingszvetsg alelnke Okleveles mrnk-kzgazdsz 1985-1986: 1986-1990: 1990-1991: 1991-1992: 1992-1995: 1995-1999: 199920082009HOD-GEP - Fejleszt mrnk Taurus - Controller ICP Rt. Kpviselet-vezet VNOB Rt. - Terleti igazgat Lombard Lzing Rt. - Igazgat Lombard Portfoli Kft.- gyvezet Lombard Lzing Rt. - CEO Magyar Lzingszvetsg elnksgi tag Magyar Lzingszvetsg alelnk
Andrs Domonkos
Vice President Chartered engineer-economist 1985-1986: 1986-1990: 1990-1991: 1991-1992: 1992-1995: 1995-1999: 199920082009HOD-GEP, research engineer Taurus, Controller ICP Rt, Head of Branch VNOB Rt, Regional Director Lombard Lzing Rt, Director Lombard Portfoli Kft, Managing Director Lombard Lzing Rt, CEO Hungarian Leasing Association, member of the Executive Council Vice President
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Fejes Lszl
a Lzingszvetsg alelnke Okleveles kzgazdsz 1991-1996: 1996-2000: 2000-2006: 200720082009Euroleasing autfinanszrozs - kereskedelmi igazgat Euroleasing: Carnet gpjrm-kereskedelmi hlzat fellltsa, Eurorisk brkeri tevkenysg elindtsa Euroleasing autfinanszrozs kereskedelmi s nemzetkzi kapcsolatok igazgatja MKB- Euroleasing Autfinanszrozs vezrigazgat Magyar Lzingszvetsg elnksgi tag Magyar Lzingszvetsg alelnk
Lszl Fejes
Vice President Chartered economist 1991-1996: 1996-2000: 2000-2006: 200720082009Euroleasing automobile financing, Sales Director Euroleasing: establishing the Carnet automobile dealer network, launching Eurorisk brokering operations Euroleasing automobile financing, Director of Sales and International Relations MKB- Euroleasing automobile financing, CEO Hungarian Leasing Association, member of the Executive Council Vice President
Zsolt Hanczr
elnksgi tag Okleveles kzgazdsz 1996-2000: 2000-2003: 2003-2006: 2006-2008: 2008-2010: 20102010: : Budapest Banknl klnbz kockzatkezelsi pozcik Budapest Autnl elbb a kszletfinanszrozsi majd a kintlvsg-kezelsi vezet Budapest Autpark-kezelnl vllalatvezet UniCredit Leasing (korbban HVB Leasing) Flotta zletg vezetje UniCredit Leasing sszevont Autfinanszrozsi s Flotta zletgnak a vezetje UniCredit Leasing zlet- s termkfejlesztsi vezetje Magyar Lzingszvetsg elnksgi tag
Hanczr Zsolt
Board Member Chartered economist 1996-2000: 2000-2003: 2003-2006: 2006-2008: 2008-2010: 2010: 2010: Budapest Bank - different risk management positions Budapest Aut - chief inventory financing manager then head of debt management department Budapest Autpark-Kezel - general manager UniCredit Leasing (previously HVB Leasing) head of fleet UniCredit Leasing - head of financing and fleet branches UniCredit Leasing - head of business and product development department Hungarian Leasing Association board member
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Nyikos Katalin
elnksgi tag Okleveles kzgazdsz 1982-1991: 1991-1994: 1994-1997: 1997-2001: 2001 : 2001 : 2010 : Ganz - rtkestsi vezet Magyar Hitelbank Rt - treasury pnzpiaci vezet West LB - vllalati gyflkapcsolati igazgat ABN AMRO (Magyar) Bank Rt - igazgat Deutsche Leasing Hungaria Kft - gyvezet Deutsche Leasing Hungaria Rt - igazgatsgi tag Magyar Lzingszvetsg elnksgi tag
Katalin Nyikos
Board Member Chartered economist 1982-1991: 1991-1994: 1994-1997: 1997-2001: 2001: 2001: 2010: Ganz - sales executive Magyar Hitelbank Rt - treasury money market executive West LB - chief corporate account manager ABN AMRO (Magyar) Bank Rt - general manager Deutsche Leasing Hungaria Kft - managing director Deutsche Leasing Hungaria Rt - board member Hungarian Leasing Association board member
Rvsz Tams
elnksgi tag Okleveles gpszmrnk, kzgazdsz 1970-1972: 1972-1979: 1979-1984: 1984-1989: 1989-1990: 1990-1997: 1997: 1997-2000: 2008: 2011: Budapesti Mezgazdasgi Gpgyr gyrtmny s gyrtsfejleszt. Agrotrszt Vevszolglati fosztly fosztlyvezet helyettes Agroszer mszaki-gazdasgi tancsad TSzker Vllalkozsi Ipari Kzpont igazgathelyettes Taurus Gumiipari Vllalat Mszaki Gumitermk igazgatsg Belfldi kereskedelmi igazgat Centrl Lzing Kft. igazgat Budapest Autfinanszrozsi Rt/Zrt vezrigazgat Magyar Lzingszvetsg elnke Magyar Lzingszvetsg elnksgi tag Magyar Lzingszvetsg elnksgi tag
Tams Rvsz
Board Member Mechanical Engineer and Economist Product and Production Developer at Budapesti Mezgazdasgi Gpgyr 1972-1979: Deputy Head of Department at the Customer Service Department of Agrotrszt 1979-1984: Technical and Economic Consultant at Agroszer 1984-1989: Deputy General Director at Tszker Vllalkozsi Ipari Kzpont 1989-1990: Domestic Sales Director at the Technical Tyre Product Directorate of Taurus Gumiipari Vllalat 1990-1997: General Director of Central Lzing Kft. 1997-present: General Director of Budapest Autfinanszrozsi Rt./Zrt. 1997-2000: Chairman of Hungarian Leasing Association 2008-present: Board Member of Hungarian Leasing Association 1970-1972:
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Tekse Klmn
elnksgi tag 1993 - a Compagnie Bancaire fknt lzinggel s egyb rvid tv hitelezssel foglalkoz hitelintzet hitelelemzje s regionlis controllerje volt Prizsban. 1994 - a Citron autk magyarorszgi importr cge, a Citron Hungria Kft. pnzgyi igazgatja. 1996 - t esztendn t a vilg egyik vezet szllodaipari s szolgltat cgnl, az Accornl dolgozott: elbb a Ticket Restaurant Hungary pnzgyi igazgatja, majd gyvezet igazgatja volt Budapesten, ksbb a Ticket Restaurant Poland gyvezet igazgatja Varsban. 2001 - a DGZ Rt. s az GAZ Rt. tbbsgi tulajdonosa, a Gaz de France magyar szervezeti egysgeit irnyt logisztikai, kontrolling s informatikai igazgatja. 2004 - prilistl a BNP Paribas-csoport tagjai kz tartoz, a flottamenedzsels terletn Eurpban piacvezet ARVAL budapesti lenyvllalatnak az ARVAL Magyarorszg Kft.-nek s az X-Rent Kft-nek az gyvezet igazgatja. 2008 - a Magyar Lzingszvetsg Flotta Bizottsgnak elnke. 2009 - a Lzingszvetsg elnksgi tag
Klmn Tekse
Board Member 1993 - He was working for Compagnie Bancaire as a credit analyst and a re gional controller in Paris. The company is a credit institute focusing mainly on leasing and other short-term lending. 1994 - Financial director of Citron Hungria Kft, the Hungarian importer of Citron automobiles. 1996 - He was working for Accor, one of the worlds leading hotel and service providers for five years: first as the financial director then the CEO of Ticket Restaurant Budapest, later he was appointed to be the CEO of Ticket Restaurant Poland. 2001 - Head of Logistics, Controlling and IT Departments of the Hungarian branch of Gaz de France, the majority stakeholder of DGZ Rt. and GZ Rt. Since April 2004 he has been the CEO of ARVAL Magyarorszg Kft., the Hungarian subsidiary of the BNP Paribas Group member, European market leader fleet management French company ARVAL. He holds the CEO position of another company called X-Rent Kft. 2008 - Head of Fleet Committee, Hungarian Leasing Association 2009 - Board Member, Hungarian Leasing Association
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Lvai Gbor
a Lzingszvetsg ftitkra Okleveles kzgazdsz Ftitkr Az Egyeslet gyintz szervnek vezetje a Ftitkr. A Ftitkrt az Elnk javaslatra az Elnksg vlasztja meg, aki az Egyeslettel munkaviszonyban llhat, felette a munkltati jogokat az Elnk gyakorolja. A Ftitkr feladata az Egyeslet alaptsi cljnak megfelel folyamatos mkds biztostsa. 1995-tl: 1999-2000: 2000-2004: az Euroleasing-nl dolgozik tbb pozciban Budapest Aut kszletfinanszrozsi vezetje Root csoport zletfejlesztsi igazgatja, pnzintzeti tancsads, szoftverfejleszts terleten 2005-2006: Mansoon Outsourcing Zrt. zletfejlesztsi igazgatja, pnzintzeti tancsads, HR szolgltatsok terleten 2006. szeptember 22-tl a Lzingszvetsg ftitkra
Gbor Lvai
General Secretary of the Leasing Association Chartered economist Various positions at Euroleasing Budapest Aut, Head of Stock Financing Root group, Head of Business Development, financial institution consulting in the area of software development 2005-2006: Mansoon Outsourcing Zrt. Head of Business Development, Financial institution consulting in the area of HR services Since 22 September, 2006 the General Secretary of the Hungarian Leasing Association 19951999-2000: 2000-2004:
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Leasing Yearbook
BIZOTTSGOK COMMITTEES
TAGOK Az Egyeslet rendes tagja kizrlag belfldi szkhely, pnzgyi lzinggel, operatv lzinggel, szemlyi klcsnnel, illetve egyb eszkz, ingatlan s rufinanszrozssal foglalkoz gazdasgi trsasg lehet. A szvetsgi tagsg a Szvetsghez benyjtott belpsi nyilatkozatnak az Elnksg ltal trtn elfogadst kveten a Kzgyls jvhagysval jn ltre. PRTOL TAGSG A Szvetsg ms orszgok lzingszvetsgeihez hasonlan 2007. janur 1-tl vezette be a Prtol tagsg intzmnyt, ezzel nvelve a szakmai munka sznvonalt, s lehetsget teremtve a lzingcgekkel szorosan egyttmkd szolgltatk szmra a tagvllalatainkat foglalkoztat aktulis krdsek megismersre. Az egyeslet prtol tagja lehet brmely olyan gazdasgi trsasg vagy egyeslet, amely az Egyeslet szakmai clkitzseivel azonosulni tud. TERLETI BIZOTTSGOK A Lzingszvetsg non-profit szervezetknt tagjai munkatrsainak aktv kzremkdsvel dolgozik. Ily mdon a 13 bizottsgban mintegy 200 szakrt segti folyamatosan tevkenysgnket. Az 5 terleti s 8 szakmai bizottsg nll gyrenddel, 1-3 havonta lsezik, a bizottsgok vezetit a bizottsgok tagjai az elnksggel egy idben, 2 vre vlasztjk. A bizottsgok feladata a tagok szmra fontos tmk megvitatsa, ezekkel kapcsolatos javaslatttel az elnksg fel.
MEMBERS Regular members of the Association can only be business enterprises that are based in Hungary, and deal with finance leasing, operational leasing, and personal loaning. Other companies dealing with asset, property and product financing may also be regular members. Membership commences when the Declaration of Accession filed to the Association is approved by the Executive Council. SUPPORTING MEMBERS The Association, similarly to leasing associations in other countries, introduced its supporting membership scheme on 1st January 2007, thus increasing the quality of professional work, providing an opportunity to service providers that are in close relationship with leasing companies to learn more about the actual issues that concern our member companies. Any business venture or association that is willing and able to identify itself with the professional objectives of the Association may be a supporting member. COMMITTEES The Leasing Association, as a non-profit organization, operates with the active participation of its members, which means that nearly 200 experts in 13 committees continuously help our activities. The 5 regional and 8 professional committees hold sessions every 1-3 months with their own agendas. Heads of committees along with the members of the Executive Council are elected for 2 years. The committees are responsible for debating matters that are crucial for the members, and for making proposals to the Executive Council.
AUT BIZOTTSG Az Aut Bizottsg Vezetje Bohcs Zoltn, a Lombard Lzing Csoport gpjrm zletgnak vezetje. A Bizottsg feladata a gpjrm finanszrozssal kapcsolatos problmk feltrsa, a feladatok sszefogsa, a kzs clkitzsek meghatrozsa, valamint elterjesztsek megvitatsa s hatrozati javaslatok elksztse az Magyar Lzingszvetsg Elnksge rszre. A bizottsgban kzel az sszes Magyarorszgon mkd gpjrm finanszrozssal foglalkoz finanszroz jelen van. A bizottsg negyedvente lsezik. 2010ben 4 rendes lst s tbb szekcilst tartott. A bizottsg lseire rendszeresen hvunk a gpjrm rtkestssel, finanszrozssal sszefgg tmkban vendgeket, szakrtket, eladkat, prtol tagokat. Lzingvknyv [ 91 ]
AUTOMOTIVE COMMITTEE The head of Automotive Committee is Bohcs Zoltn, the Head of Automobile Division of Lombard Leasing Group. The task of the Automitove Committee is to reveal the auto finance-related issues, to co-ordinate the tasks, to set the joint goals, to discuss the proposals and to prepare recommendations to the Board of Hungarian Leasing Association. The Committee includes almost all the financial institutions that deal with auto financing. The Committee sits every three months, it held four regular and several section sessions in 2010. When the Committee discusses vehicle sales and financing-related Leasing Yearbook
2010-ben az egyre mlyl gazdasgi vlsg fokozottan rintette mind a gpjrm rtkestsi, mind a finanszrozi szakmt. St, ebben a szektorban a korbban mlypontnak hitt 2009-es vhez kpest tovbb romlott a helyzet. Az rtkestett j autk nagysgrendje 27 szzalkkal mlta alul az elz vi adatokat. A finanszrozsi piac mg ennl is nagyobb gondokkal kzdtt: az elz vhez kpest a kihelyezsek nagysgrendje 30 szzalkkal volt alatta az elz vinek. ppen ezrt az v sorn folyamatosan kapcsolatban lltunk s tbb alkalommal egyeztettnk a klnbz auts rdekkpviseleti szervekkel (GMOSZ, MGE), rszt vettnk egyms szakmai rendezvnyein, s kzsen kerestk a vlaszokat a szakmt rt kihvsokra. A zord piaci krnyezet mellett a gpjrm finanszrozsi szakma szmra a 2010-es v a jogszablyvltozsokrl marad emlkezetes. Br ez utbbiak elksztse mr az elz vben elkezddtt, a legtbb jogszably vglegestse illetve bevezetse 2010-re maradt. Ltva a szablyoz hatsgok ezirny trekvst az elz vhez hasonlan az Auts Bizottsg ebben az vben is a legfontosabb feladatnak a kszl jogszably mdostsok sorn a gpjrm finanszrozi szakma rdekkpviselett tekintette. Emellett a trvny elksztsek sorn amennyiben lehetsgnk volt az auts rdekkpviseleti szervekkel egyeztetve igyekeztnk a gpjrm kereskedi, azaz a szlesebb piaci rdekeket s zeneteket is megjelenteni. Mr csak azrt is, mert a jogszablyi vltozsok tbbsge legalbb olyan erteljesen rintette a gpjrm kereskedk, mint a finanszrozk tevkenysgt. PSZF-SREP ajnls. 2008. 12. 15-n jelent meg, s 2009. janur 1-n lpett hatlyba a PSZF SREP pontostott ajnlsa. A 2009-es vben a SREP rendkvl hatkony szablyozi eszkznek bizonyult: a hatsra a piacrl szinte teljes egszben eltntek a finanszrozk szmra extrm kockzatokat jelent alacsony nerej s hossz futamidej finanszrozsi szerzdsek. A 2010-es vben a Felgyelet a 2008-ban elfogadott ajnlst tbb alkalommal mdostotta, aktualizlta. Az ajnlsok kiadst megelzen a Szvetsg minden alkalommal lehetsget kapott arra, hogy a szakmai vlemnyt, llspontjt kifejtse. Szakmai rveink kzl szmos meghallgatsra kerlt, s ezek be is pltek az ajnlsok szakmai anyagba. 2009. vi CL. trvny az egyes pnzgyi trgy trvnyek mdostsrl (Pnzgyi saltatrvny). Ez a 2009 v vgn megjelent trvny, amely egyes fejezeteiben a Hitel s pnzintzeti trvnyt (HPT) mdostja s egszti ki, nagyon jelents vltozsokat hozott a pnzgyi kzvetts gyakorlaLzingvknyv [ 92 ]
issues, guests, experts, presenters and associated members are regularly invited. The ever-deepening economic crisis severely hit both the vehicle sales and the vehicle financing sector in 2010. Moreover, the situation within these sectors got even worse than in 2009, which was labelled as the nadir of the crisis. The volume of sold new vehicles fell behind the previous years data by 27%. The financing market had to face even more severe trouble as the volume of new finance declined by 30% compared to 2009. In order to solve these problems, we were in continuous touch and had co-ordination talks with different automobile lobbying organisations (MGE - Hungarian Vehicle Importers Organisation, GMOSZ - Hungarian Association Of Automobile Dealers), we participated in each others events, we joined hands to seek the answers to the challenges of the profession. Apart from the severe market conditions, 2010 will remain memorable for the vehicle financing sector as the year of legislation changes. Although the preparation of these changes had already begun during the previous year, the finalisation and introduction of most laws were made in 2010. Seeing that the legislative authorities strive to enact the modifications no later than 2010, the Automotive Committee, similarly to the previous year, regarded the interest representation of vehicle financing sector during the law amendment sessions as its most important task. Apart from this, in the course of the preparation phase of the law amendment sessions we held co-ordination talks with automobile lobbyist bodies to represent the interests and messages of car dealers through whom we can serve the wider market as well. Otherwise it was a logical step as the majority of law amendments affected the activity of vehicle dealers at least as heavily as that of vehicle financers. PSZF-SREP (Supervisory Review Process of Hungarian Financial Supervisory Authority) recommendation. The refined PSZF-SREP recommendation was introduced on 15 December 2008 and came into force on 1 January 2009. In 2009 SREP proved to be an exceptionally effective regulatory tool as the financing contracts with low downpayment and long maturity that bore extremely high risks for the financers almost entirely disappeared from the market. In 2010 PSZF modified and updated the recommendation several times. Before the recommendations were released, the Association was given the opportunity to express its expert opinion and standpoint on each issue. Several arguments of ours were accepted and included in the text of the recommendations.
Leasing Yearbook
tban. Mr a trvny elksztse sorn a Bankszvetsggel egyttmkdve prbltuk a szakma rdekeit kpviselni a bennnket leginkbb rint tmban - az gynki szablyozs krdseiben. A trvny 2009 v vgn megjelent szvege azonban nagyon sok rtelmezsi krdst hagyott nyitva. Ennek kapcsn a Bankszvetsggel folyamatosan egyeztetve prbltunk a keresked partnereinknek egyrtelm irnymutatst adni a trvny szmukra nagyon sok jdonsgot is jelent alkalmazsban. Szakmai frumokon, konferencikon vettnk rszt s adtunk el, s tbb alkalommal a Szvetsg ltal szerkesztett tjkoztat leveleken keresztl hvtuk fel a keresked partnerek figyelmt a trvny egyes rendelkezsnek hatlybalpsrl illetve az ahhoz kapcsold tudnivalkrl. Kormnyrendelet a pnzgyi szolgltatst kzvett kzvetti djrl A HPT. fent rszletezett 2009. v vgi mdostsa azonban klnsen a kzvetti djakkal kapcsolatosan hagyott tbb krdst nyitva, egszen pontosan jelezte, hogy ezeket majd egy ksbb kiadand kormnyrendelet fogja szablyozni. Tekintettel azonban arra, hogy ez a krds a finanszrozk s a gpjrm kereskedk egyttmkdsnek egyik sarkalatos pontja, az Auts Bizottsg kezdettl fogva nagy figyelemmel kezelte a fenti krds szablyozi alakulst. A Szvetsg ms bizottsgaival, valamint a Bankszvetsggel kzsen igyekeztnk a rendelet szakmai elksztsben aktvan rszt venni, illetve a gpjrmves szakma llspontjt kpviselni. A 2011-es v a jogszablyi vltozsok vonatkozsban mr nyugodtabb lesz. Ennek ellenre az Auts Bizottsg tbb olyan krdssel kvn foglalkozni, amely mind a finanszrozkat, mind az gyfeleket mg mindig htrnyosan rinti. A szakma egyik komoly problmja, hogy az gyfelektl visszavett autk utn mindaddig, amg a jrmvek rtkestsre nem kerlnek, a finanszrozknak cgautadt kell fizetnik. A visszavett gpjrmvek esetben radsul tovbbi problmt jelent, hogy hitellel finanszrozott gpjrmvek esetben az opci lehvsakor a finanszrozknak mg illetket is kell fizetnik, holott k knyszerbl s tovbbrtkestsi cllal szereznek csak tulajdont. Mindezek mellett az v sorn a gpjrm kereskedelmi szakmval kzsen fogunk egyeztetseket kezdemnyezni a hatsgokkal az okmnyirodai gyintzs gyorsabb s rugalmasabb ttele trgyban.
Act CL of 2009 on the amendment of certain acts governing financial matters (Financial Lettuce Law). This law, particular chapters of which modifies and complements the Act on Credit Institutions and Financial Enterprises was released at the end of 2009 and brought significant changes in the practice of financial mediation. In the course of the preparation of the law we joined hands with the Banking Association to represent the interests of the sector in the topic that affects our lives the most heavily that is the issue of intermediary regulation. The final text of the law that was released at the end of 2009, however, left lots of interpretation issues open. Concerning these issues we were in continuous co-ordination talks with the Banking Association in order to give our partners a clear guideline about how to apply the law that contains lots of new regulations. We participated in expert forums and conferences both as listeners and presenters and we used the newsletter of the Association to draw our dealer partners attention to when a particular provision of the new law would enter into force and what should be known about it. Government decree on the commission of intermediaries of financial services. The amendment of the Act on Credit Institutions and Financial Enterprises issued at the end of 2009 left several intermediary commission-related issues open and stated clearly that they would be discussed by another government decree to be issued later. Taking into consideration, however, that this topic is a cardinal issue in the co-operation between vehicle financers and car dealers, the Automotive Committee have been closely monitoring the legislative development of the case since the very beginning. Along with the Banking Association and the other committees of the Leasing Association we made every effort to participate in the preparation of the decree and to represent the viewpoint of the vehicle sector. Though as far as legislative changes are concerned 2011 will be a calmer year, the Automotive Committee aims to deal with several issues that still affect both the clients and the financers negatively. One of the major problems of the sector is that the financers shall pay company car tax after the vehicles repossessed from non-performing customers until the moment the vehicles are sold. Furthermore, when financers call an option for a credit-financed vehicle, they shall pay duty after it, although they acquire property under duress only with the intention of resale. Apart from this, to find a way how to make document office administration quicker and more flexible, we plan to join hands with the car dealer sector later this year in order to initiate coordination talks with the authorities. [ 93 ] Leasing Yearbook
Lzingvknyv
ESZKZ BIZOTTSG Az Eszkz Bizottsg vezetje Vly Judit, az UniCredit Leasing Hungary Zrt. rtkestsi igazgatja, igazgatsgi tagja. A Bizottsg 2010-es trekvsei kztt az MFB forint alap, alacsony kamatozs refinanszrozsi keret elrhetv ttelt, illetve a pnzgyi lzing, mint kls finanszrozsi megolds, korltozs nlkli alkalmazhatsgt tzte clul valamennyi EU trsfinanszrozott beruhzs tmogatsok vonatkozsban. Tovbb szlesebb krben kvnta terjeszteni, bemutatni az eszkzlzing, mint finanszrozsi megoldst a KKV szektor szerepli szmra mind sajtorgnumon, mind szakmai frumokon val rszvtel keretein bell. A Bizottsg 2011-es tervei megegyeznek az elz vben felkarolt tmkkal, melyet az albbiakban szeretnk bemutatni. A 4 pillr:
Asset Committee The Asset Committee is presided by Vly Judit, Sales Head and Board Member of UniCredit Leasing Hungary Zrt. The main goals of the committee for 2010 were to make the HUF-based, low interest rate refinancing framework of MFB available and to lift the application restrictions of the financial lease as external financing solution with regard to all the EU cofinanced investment subsidies. Furthermore we seized the opportunity of the press and the trade forums to raise the awareness of the market players of the SME sector for the asset lease as financing solution. The goals of the Committee for 2011 I would like to present below do not differ from those in the previous years. The 4 pillars:
Eszkzbizottsg
Asset Committee
Pnzgyi alapismeretek oktatsa
LiFeR Annak rdekben, hogy a finanszroz trsasgok minl tbb informci birtokban legyenek a finanszrozand eszkzzel kapcsolatban, kialaktsra kerlt a LiFeR eszkz informcis rendszer, melynek clja a dupliklt finanszrozs megelzse. 2010/11-es idszakban ezrt fontos, hogy az eszkzbizottsg lpseket tegyen annak rdekben, hogy a lzingcgek az eszkzket vezessk fel a LiFeR nyilvntartsba, gy ellenrizve, illetve biztostva azt, hogy az eszkzk ne legyenek dupliklt tulajdonban. A Magyar Lzingszvetsg vlemnye szerint a LiFeR rendszer mellzse feleltlensg s olyan kockzatokat rejt magban, mely elkerlhet vesztesgekhez vezet a tagvllalatoknl. Remlhetleg 2011-ben azon cgek is csatlakoznak, akik eddig azt nem tettk.
LiFeR In order for the financing companies to find out as much about the asset to be financed as possible, the LiFeR asset information system was developed, which aims to prevent double financing. It is particularly important that during the crisis-stricken years of 2010 and 2011 the Asset Committee take steps and urge the leasing companies to enter their assets to the LiFeR registration that monitors the asset market and prevents the assets from being passed into double ownership. According to the opinion of the Hungarian Leasing Association, the ignorance of LiFeR system shows irresponsible conduct and involves such risks that may lead to avoidable losses. Hopefully 2011 will see all those companies join the system that previously decided to stay out.
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Leasing Yearbook
Education of Basic Financial Skills
Availability of MFB Resource
EU tmogatsok
MFB Forrs elrhetsge
EU Subsidies
LiFeR
LiFeR
MFB refinanszrozsi forrs A munkacsoport tovbbi feladata az MFB ltal nyjtott refinanszrozsi termkek feltteleinek megvizsglsa, s javaslatttel kidolgozsa, a meglv programok lzingcgek fel trtn kiterjesztsnek vonatkozsban. Komoly lobbi eredmnynek knyvelhetjk el azon trvnymdostst (2010. december), mely rtelmben a lzingcgek MFB refinanszrozsi forrsrt folyamodhatnak a 2011-es v sorn. EU tmogats lzingfinanszrozssal Az egyik, immr legfjbb pont a magyar szablyozsban, mely lzingcgeket rint az Eurpai Unis forrsok hasznlatnak korltozsa pnzgyi lzing konstrukci esetben. Ezen szablyozi anomlit mindeddig nem sikerlt feloldani annak ellenre, hogy az eszkzbizottsg jelents lobby tevkenysget fejtett ki az gy megoldsa rdekben. A 2010/11-es idszakban az eszkzbizottsg tovbb folytatja ezen munkjt s erejhez mrten jelents nyomst kvn gyakorolni a szablyozkra annak rdekben, hogy vltozs trtnjen. Pnzgyi alapismeretek oktatsa, lzing npszerstse A magyar pnzgyi kultra alacsony s ez sajnos elmondhat a KKV-k illetve nhny nagyvllalat esetben is. Ez jelents akadlya a lzingen keresztl trtn finanszrozsnak, hiszen potencilis gyfeleink nincsenek tisztban a konstrukci elnyeivel. Ennek kvetkeztben sok beruhzsnl a lzing az informci hinya miatt httrbe szorul, vagy fel sem merl, holott az jelents megtakartsokat eredmnyezne a cgnl, illetve egy egszsgesebb finanszrozsi struktra elrst tenn lehetv. Ennek megvltoztatsrt, az eszkzbizottsg j kommunikcis formk fel fordul, melyen keresztl kvnja elrni a nyilvnossgot s bemutatni a lzing nyjtotta elnyket, illetve a finanszroz trsasgokat.
MFB refinancing resource Additionally, our Task Force is committed to review the conditions of MFBs refinancing products and to work out a proposal with regard to involving the leasing companies in the already existing programme portfolio. As a result of our powerful lobbying activity we saw a law amendment in December 2010, according to which the leasing companies will be allowed to apply for MFB refinancing resource in 2011. EU subsidy by lease financing The restriction on the usage of EU resources in case of financial lease constructions is now the more painful spot in the Hungarian legislation on the leasing companies. So far we have not managed to resolve this legislative anomaly although the Asset Committee has exerted a significant lobbying activity in order to find a solution. In 2010 and 2011 the Asset Committee is prepared to keep on working on this case and is ready to do its best to put pressure on the lawmakers so as to initiate a change. Education of basic financial skills, raising public awareness on leasing The general Hungarian financial culture is poor and unfortunately the same can be said about the SME sector and a few big companies as well. This is a significant obstacle to lease financing as our potential clients are not aware of the advantages of this construction. As a consequence, the lack of information causes many investors to favour other financing possibilities at the expense of leasing or not even to consider it as an alternative although it would save a significant amount of money for the company or help to achieve a healthier financing structure. In order to change this, the Asset Committee is prepared to turn to new communication channels to raise public awareness for the benefits of leasing and to introduce the financing companies.
FLOTTA BIZOTTSG A Flotta Bizottsg vezetje 2008 kzeptl Tekse Klmn az ARVAL Magyarorszg Jrmparkkezel Kft. gyvezet igazgatja. A bizottsg feladata a flottaszolgltatsokkal foglalkoz gpjrm finanszroz cgeket rint tmk, gy pldul az operatv lzing jogi s szmviteli szablyozsval kapcsolatos llspontok, rdekek kpviselete. Az aktv tagok szma jelenleg 12, a bizottsg 2 havonta lsezik a Lzingszvetsg szkhelyn, 2010-ban 5 lst tartott. Lzingvknyv [ 95 ]
FLEET COMMITTEE As of the middle of 2008, the Head of Fleet Committee is Klmn Tekse, CEO of Arval Hungary Ltd. The aim of the Committee is to represent the issues concerning the companies that deal with fleet services including the standpoint on the legal and accounting regulation of operational lease. The Committee currently comprises 12 active members and sits every second month at the headquarters of the Leasing Association. In 2010, it held 5 sessions. Leasing Yearbook
Az egyik legfontosabb eredmnynk, hogy hossz elkszts utn 2010-ben a Fvrosi nkormnyzattal a fvrosi parkolsi rendelet mdostsra kerlt sor. Ezen tl egy hromoldal szerzdssel a brelt s lzingelt gpjrmvek esetn is ignybe vehet a Fvros kerleteiben lakknak sznt kedvezmnyes parkols. A bizottsg tbb tanulmnyt kszttetett a Deloitte tancsad cggel az operatv lzing mg nyitott vagy nem pontosan szablyozott krdseivel kapcsolatban. A Leaseurope budapesti konferencin (2010. prilis 22-23.), a flotta bizottsg vezetje tartott sikeres eladst a magyarorszgi flotta kzbeszerzsekrl. 2011-es clok: Hasznlt gpjrmvek trsnak egysges jogszablyi htternek megteremtse. Brelt, lzingelt gpjrmvek esetn, a Srga villog bejegyzsnek megoldsa. gyfeleinket rint brsgolsok s parkolsi problmk szakmai felgyelete. Cgaut ad pontostsa: zembentart-tulajdonos sztvls esetn s a visszavett gpjrmveknl ELLENRZ BIZOTTSG Az Ellenrz Bizottsg vezetje Tuboly Zoltn, az OTP Bank (korbban pedig a Merkantil csoport, illetve az UniCredit Leasing) szmviteli vezetje. A Bizottsg feladatai a kvetkezk: A Lzingszvetsg gazdlkodsa tervezsnek ellenrzse, az ves kltsgvets vlemnyezse az Elnksg s a Kzgyls rszre trtn elterjesztst megelzen. A Lzingszvetsg gazdlkodsnak az ves kltsgvetsi terv s annak tnyleges megvalsulsnak sszehasonltsval trtn rendszeres, negyedvenknti ellenrzse, a Ftitkr ltal benyjtott riportok alapjn A Ftitkr Lzingszvetsg gazdlkodsval kapcsolatos munkjnak tmogatsa A Lzingszvetsg gazdlkodsnak ellenrzse sorn tapasztaltakrl az Elnksg s a Kzgyls rendszeres tjkoztatsa A bizottsg vezetjt s tagjait a Szvetsg kzgylse vlasztja kt vre. A feladatokbl kvetkezen a bizottsg negyedvente lsezik, 2010-ben 4 lst tartott.
CONTROL COMMITTEE The Head of Supervisory Committee is Tuboly Zoltn, Chief Accounting Manager of OTP Bank (previously holding the same position at Merkantil Group then UniCredit Leasing) The Committee is responsible for the following: Supervising the financial planning of the Leasing Association, forming an opinion on the annual budget prior to its proposal to the Executive Committee and the Assembly. Quarterly supervision of the economic management of the Leasing Association by comparing the annual budget plan and its actual completion, based on the reports of the General Secretary. Supporting the General Secretary in connection with their economic management of the Leasing Association. Regularly informing the Executive Council and the Assembly about findings of the supervision of the economic management. The Chair and the members of the Committee are elected for a term of two years by the Assembly of the Association. Due to its responsibilities, the committee sits quarterly. In 2010, the committee met on 4 occasions.
REAL ESTATE COMMITTEE The chair of the Real Estate Committee is by Katzenbach Zoltn, Sales and Marketing CEO of OTP Lakslzing Zrt. The task of the Committee is to co-ordinate the representational issues concerning corporate real estate financing and residential real estate lease, to arrange exchange of experience and to analyse the impact of the crisis on the members businesses. The Committee comprises 16 member companies, sits quarterly at the headquarters of the Association. In 2010 we held 5 sessions. The crisis that had been lasting since the end of 2008 continued to deepen in 2010, therefore the majority of the sectors companies closed the year with a passive balance. Under these unfavourable macro-economic and market circumstances the role and significance of interest protection work got even more emphasis. [ 96 ] Leasing Yearbook
INGATLAN BIZOTTSG Az Ingatlan Bizottsg vezetje Katzenbach Zoltn, az OTP Laks lzing Zrt sales s marketing igazgatja. A Bizottsg feladata a vllalati s lakossgi ingatlan finanszrozssal kapcsolatos rdekkpviseleti tevkenysg sszefogsa, szakmai tapasztalatcsere, s a vlsg hatsnak elemzse a tagok mkdsre. Lzingvknyv
A bizottsgnak jelenleg 16 cg a tagja, negyedvente a Szvetsg irodjban tartja lseit, 2010-ben 5 ls volt. A 2008 v vge ta tart vlsg tovbb mlylt a 2010-es vben is, a szektor jelents rsze vesztesges lett. A kedveztlen makrogazdasgi s piaci krlmnyek kztt mg inkbb felrtkeldtt az rdekvdelmi munka szerepe s jelentsge. Az Ingatlan Bizottsg 2010-es tevkenysgt alapveten meghatrozta a kormnyvlts. Az elz kormny utols hnapjaiban lnyegileg mr lellt az llamigazgats, az j struktra ltrejtte nagyon elhzdott, s ezt is teljesen lefoglalta az nmaga ltal diktlt rapid trvnyhozsi menetrend. Ez a krnyezet nem segtette az ingatlan lzing szektor rdekrvnyestsi lehetsgeit, de a Bizottsg gy is tbb s az adott helyzetben jelentsnek mondhat sikert knyvelhetett el az v folyamn. Sikerlt az j THM rendelet megalkotsban a szektor rdekeit rvnyesteni s javaslatunkra olyan rendelet szletett, amely vgre egyrtelmen kimutatja a nylt vg lzing alacsonyabb trleszt rszleteit. Lobbyzsunk eredmnyekppen az gynki rendszer talaktsval kapcsolatos trvnymdostsok is megfelelnek a szektor rdekeinek s hosszas tiltakozsunk eredmnyekppen az gynki vizsgasorbl is kikerltek a szakmailag nem megalapozott, tves vagy flrevezet informcit hordoz vizsgakrdsek. Elindult a PSZF oldaln az gyfeleket segt kalkultor is, amelyet javaslatunkra vltoztattak t az eredeti, konstrukci alaprl (lzing s hitel elklnlten) termkalapra, ahol az ingatlan lzing s hitel egytt szerepel. Termszetesen olyan cljaink is akadtak, amelyeket nem, vagy csak rszben sikerlt elrnnk. Ilyenek az MKV s KKV szektor tmogatsnak krdse, a klnbz, a jelenlegi szablyozs szerint a lzingbe adt terhel adk alanynak megvltoztatsa, a bajba jutott lzingbevevk megsegtsnek elrse (pl.: a beharangozott Nemzeti Eszkzkezel Trsasg ltrehozsa) s nem utols sorban a lzingszektort ltalnosan sjt s mg slyosabb vesztesgbe taszt bankad enyhtsnek krdse. Mindezekbl fakadan tovbbra is jelents terletek maradtak, ahol kisebb jogszablyi vltozsok segtsgvel vlemnynk szerint az ingatlanlzing a jelenleginl sokkal jelentsebben hozz tudna jrulni a gazdasgi fellendls elsegtshez.
The factor that fundamentally determined the activity of the Real Estate Committee in 2010 was the government change. The state administration during the last few months of the previous government was virtually non-existent, the establishment of the new structure lasted very long, and in the first period the one and only focus fell on the extremely rapid legislational process. This environment did not promote the the interest enforcing possibilities of the real estate sector but the Committee still boasts with a number of achievements that, under such circumstances, could be considered a great success. We managed to enforce the sector interests in the course of the legislative process of the new Government Decree on the Annual Percentage Rate and, as a result of our recommendation, the final text of the decree clearly declares that the open-end lease has lower instalment payment. As a result of our lobbying activity, the law amendments concerning the reorganization of the intermediary system suit the interests of the sector much better and our prolonged objections about intermediaries examination were also crowned with success as those questions that bore professionally incorrect or misleading information were removed from the exam paper. Hungarian Financial Supervisory Authority launched a client assistance calculator on its homepage. After our recommendation, this originally constructionbased calculator where lease and credit are separated was modified to be product-based where lease and credit appear together. We certainly had more goals that we could not achieve, elsewhere we only had partial successes. These examples include subsidizing the MSE and SME sectors; changing the subject of some taxes that, according to the current regulations, are imposed to the lessor; helping the hard up lessees (e.g. by establishing the National Asset Management Company) and last but not least moderating the effects of the bank tax that hit the entire leasing sector very hard and caused serious losses to many companies. Given these circumstances, we suppose that there are still lots of areas left where, with the help of some but not significant law amendments, the real estate leasing could contribute to the recovery of the Hungarian economy to a much greater extent than currently.
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JOGI BIZOTTSG A Jogi Bizottsg vezetje dr. Mszros Gyz gyvd. A Bizottsg tevkenysgt, a finanszrozsi konstrukcikkal kapcsolatos aktulis problmk kezelse mellett, jellemzen a Szvetsg tagjainak mkdst rint jogi termszet krdsek feldolgozsa tette ki 2010-ben is. Az ismert vilg- s nemzetgazdasgi fejlemnyek 2009-2010-ben a magyar jogrendszerben is a szektort rint szmos alapvet jelentsg vltozst eredmnyeztek. A jogalkotsban megjelen j szablyok a gyakorlati jogalkalmazsban is (mind az llami szervek, mind pedig a piaci szereplk tekintetben) krdsek sokasgt vetettk fel, mely krdsekbl szmos megvlaszolsra kerlt, azonban sok krds a mai napig nyitott maradt, azok egyrtelm megvlaszolsra nem kerlt sor s a joggyakorlat megoldsai is eltrek. Kialakult egysges s kvetkezetes hatsgi gyakorlatrl jelenleg mg nehezen lehet beszlni, aminek a legfbb oka magban a 2009. v vgi fesztett tempban megvalsult s ezrt sok tekintetben tlthatatlann vl jogalkotsban, a tteles jogszablyi rendelkezsek ellentmondsaiban, a rvid felkszlsi idkben, a gyors hatlyba lptetsekben keresend. A Bizottsg napirendjn az albbi kiemelt krdskrk szerepeltek: 1. A pnzgyi kzvettrendszer felgyeletnek hatkonyabb ttelhez szksges egyes trvnymdostsokrl rendelkez 2009. vi CXLVIII. trvny, az egyes pnzgyi trgy trvnyek mdostsrl rendelkez 2009. vi CL. trvny, a fogyasztnak nyjtott hitelrl szl 2009. vi CLXII. trvny, a krltekint lakossgi hitelezs feltteleirl s a hitelkpessg vizsglatrl szl 361/2009. (XII. 30.) Korm. r. szerinti szablyozs szablyozsi elemeinek vizsglata, rtelmezse: A gazdasgi vlsg kvetkezmnyei fokozottan jelentkeztek a szvetsg tagvllalatait rint piacon. A vltoz jogi szablyozs, gy klnsen a krltekint lakossgi hitelezs feltteleirl s a hitelkpessg vizsglatrl szl 361/2009. (XII. 30.) Korm. r. a piac tovbbi szklst eredmnyezte. A pnzgyi finanszrozsi rendszerben nemcsak az Eurpai Uni ltal elrt szablyok jogszablyi tvtele trtnt meg, hanem a Jogalkot ltal szksgesnek tlt egyb j szablyozsi elemek is a hatlyos jogi szablyozs meghatroz elemeiv vltak. Szmos olyan jogszablyi Lzingvknyv [ 98 ]
Legal Committee The Legal Committee is led by dr. Mszros Gyz, attorney-at-law. Similarly to the previous years, the Legal Committees 2010 focus fell on the legal issues that affected the operation of the member companies of the Association and continued to handle the actual matters that arose in connection with the financing constructions. The global and national economic crisis resulted in a number of significant sector-related changes in the Hungarian legal system during the period of 2009 and 2010. The new legislative regulations raised a great deal of questions in the field of the practical law enforcement (affecting both the state institutions and the market participants), a number of which were answered but many were left open as no clear solution was found to settle them and apart from this, there is no uniform legal practice. Integral and consistent authority practice is virtually non-existent at present, which is a direct consequence of the quickly performed thus in many aspects impenetrable legislation of late 2009, the contradictions of certain legal provisions, the short preparation period and the quick enactment. The Committee agenda featured the following issues: 1.Examination and interpretation of the regulating elements of Act CXLVII on the amendments to certain acts for the enhancement of the supervision of the financial intermediation system (Enhancement Act), Act CL of 2009 on the amendment of certain acts relating to financial markets, Act CLXII of 2009 on consumer credits (Consumer Credit Act) and No. 361/2009 (XII. 30.) Order of the Government on the requirements of prudent residential lending and on the assessment of creditworthiness (Consumer Credit Order): The consequences of the economic crisis were particularly tangible in the market where the member companies of the Association operate. The changing legal regulations, especially the No. 361/2009 (XII. 30.) Order of the Government on the requirements of prudent residential lending and on the assessment of creditworthiness resulted in the further shrinking of the market. The financial funding system not only took over and legalized the rules required by the European Union but also featured several new regulatory elements that became significant factors of the prevailing legal regulation. The authorities introduced several new legal reguLeasing Yearbook
rendelkezs kerlt bevezetsre, ami alapveten rinti a tagszervezetek mindennapi lett, piaci mkdst, a mindennapi zleti tevkenysg alapvet folyamatait is meghatrozva. Ezek kzl a szablyozsi elemek kzl kiemelt jogi krds volt az albbi krdsek elemzse: a finanszrozsi szerzdsmdostsok krdskre, az razsi elvek bevezetse, a bevezetsre kerl teljesen j kzvetti (gynk) rendszer, a kzvettk djazsnak (a jutalkok elszmolhatsgnak) j jogi (mr nemcsak SREP szint) szablyozsi keretei, a fogyasztvdelmi jelleg szablyozs elemeinek tltetse a mindennapi gyakorlatba, gy klnsen az elllsi jogra, a kapcsolt hitelre, az eltrlesztsekre, a djpolitikkra, a panaszkezelsekre vonatkoz szablyozs, a magatartsi kdex krdskre. Valamennyi kiemelt krdskr nmagban is rendkvl rszletes elemzst ignyelne, amitl a jelen beszmol most eltekint, azonban az egyes tagszervezetek mkdst meghatroz jogi szablyozsi szerzdses keretrendszer, a mindennapi hasznlatban lv nyomtatvnyok, a kalkulcis szoftverrendszerek, a teljes gyflkapcsolat vonatkozsban ezek a szablyozsi elemek alapjaiban vltoztatjk meg a kialakult (nhol vtizedes) bels szervezeti mkdsi s gynk struktrkat. 2. Az j Polgri Trvnyknyvvel kapcsolatos bizonytalansgok: Az j Polgri Trvnyknyv - melyben nevestsre kerlt a lzingszerzds is - hatlyba lptetsre nem kerlt sor. A Szvetsg valamennyi politikai ervel kzremkdtt s a jvben is kzremkdik abbl a clbl, hogy a Polgri Trvnyknyv alapvet szint, de a lehetsghez kpest a joggyakorlat rszre egysges jogi alapot jelent szablyozst tartalmazzon a lzingre, mint polgri jogi alapkategrira vonatkozan. 3. Az ing zlogjogi szablyozs megvltoztatsa irnyban tett lpsek, a gpjrm finanszrozsok mgtti stabil, zlogjogra pl biztostki rendszer kialaktsa rdekben: A Szvetsg tbb ves tevkenysget folytatott annak rdekben, hogy a gpjrm-finanszrozs, illetve a gpjrm-fedezet melletti hitelnyjts biztonsgosabb vljk azltal, hogy a hitelezk a jelzlogjogot alkalmazhassk kvetelsk biztostsa rdekben. A jelenlegi llapot szerint a ltrejtt rendszer nem alkalmas arra, hogy a biztostki cl vteli jog alkalmazst klcsnszerzdseknl ing zlogjoggal lehessen kivltani. Jelents feladat, hogy a Jogalkot szmra bemutathatv Lzingvknyv [ 99 ]
lations that have a fundamental influence on the daily life, the market conduct and the day-to-day business operation of the member organizations. We dealt with the analysis of some of regulatory elements listed below as top priority legal matters: The issue of financing conctract amendments, the introduction of pricing principles, The soon-to-be-introduced, brand new intermediary (agent) system, The new, not only SREP-conform regulatory framework of intermediary fees (accountability of the contributions), Translation of the consumer protection elements of the regulation into everyday practice, with particular attention to the right of withdrawal, the inter-company loan, the prepayment, the fee policy and the complaint management. The issue of code of conduct. Each highlighted subject would call for an exceedingly detailed analysis one by one, which this present report cannot cover but with regard to the regulatory contractual framework that affects the operation of the member organizations, the forms for everyday use, the calculatory software systems or the entire consumer relationship, we can state that these regulatory elements will fundamentally change the long-established, sometimes several decades-old internal organization and agent structures. Uncertainties about the new Civil Code: The new Civil Code that also covers the topic of lease contract did not enter into force. The Leasing Association always did and always will co-operate with all the political forces in order to make sure that the Civil Code will contain a basic but legally uniform regulation on leasing as an essential civil law matter. 3. Steps were taken towards the amendment of chattel mortgage regulation as well as the establishment of a steady, lien-based collateral system in the car financing sector: The Association had been performing lobbying activity for several years to achieve that the creditors could apply a lien to secure their deals, which would make car financing and car collateral-based personal lending safer. The current system, however, is unfit to take out the application of the right of purchase with a chattel mortgage in case of loan contracts. It is essential to convince the lawmakers of the significance of the issue as with relatively simple regulatory solutions they could Leasing Yearbook
vljk a krds jelentsge, az a tny, hogy viszonylag egyszer szablyozsi megoldsokkal egy olyan rendszert lehetne ltrehozni, ami mind a finanszrozknak elnys biztostki htteret eredmnyez, de a fogyasztk rszre is egy tlthat, kalkullhat fedezeti megoldst jelent. 4. Egyb jelents, vizsglt tmakrk: Az ingatlan pnzgyi lzing aktulis krdseinek vizsglata, Pnzmoss megelzsvel kapcsolatos jogi szablyozs, A lzingcgekkel szembeni kzrdek keresetek megvitatsa, Mindennapi aktulis krdsek megbeszlse. A Jogi Bizottsg 2011. vi clkitzsei A Jogi Bizottsg fontosnak tartja, hogy a kormnyzat szerveivel hatkony egyeztets alakuljon ki a szektort rint jogszablyok tervezeteivel kapcsolatban. Ebben a tekintetben fokozottan egytt kvnunk mkdni a Nemzetgazdasgi Minisztriummal, a Pnzgyi Szervezetek llami Felgyeletvel, valamint a Bankszvetsggel. Fontos szerepet sznunk a megvltozott szablyozs piacra gyakorolt hatsainak jogi szablyozsi szempontbl trtn megvizsglsra. A 2011-es v slyponti krdse lesz a megvltozott pnzgyi kzvetti (fgg s fggetlen kzvettk) rendszerrel kapcsolatos tapasztalatok sszegzse, a kormnyzat rszrl felvetett j koncepcik megvizsglsa, rtelmezse. Klns hangslyt kell kapnia a pnzgyi lzing fogalom tvezetsnek a jogi szablyozs egyes rszterletein, mivel a pnzgyi lzing sok esetben indokolatlanul nincs nevestve egyes gazati szablyokban, ami jogalkalmazsi nehzsgeket okoz. Hangslyos szerepet sznunk az j Ptk. kodifikciban szakmai rszvtelnknek, annak rdekben, hogy a lzing, mint jogdogmatikai fogalom kdex szinten is stabil szablyozst nyerhessen.
create such a system that provides a beneficial collateral-based background for the lenders and a transparent, easily calculable collateral solution for the customers. 4. Other significant topics we examined: Examination of the actual issues of real estate financial lease, Legal regulation concerning money laundering prevention, Discussion of the actio popularis cases commenced against leasing companies, Discussion of actual daily issues. Goals of the Legal Committee for 2011: The Legal Committee emphasises the significance of an efficient co-operation with the government authorities in connection with the sector-related drafted regulations. We plan to build up a more intensive co-operation with the Ministry for National Economy, the Hungarian Financial Supervisory Authority and the Hungarian Banking Association. We accord considerable importance to the examination of the impacts the amended regulations had on the market with special focus to the legal regulation. Our highlighted task in 2011 will be to summarize the experience related to the amended financial intermediary system (concerning both tied and independent agents) as well as to examine and interpret the new concepts initiated by the government. Additionally, we must handle the issue of how to enter the term of financial lease in certain parts of the legal regulation as high priority as in many cases financial lease is not mentioned in certain sectoral regulations by name, which causes difficulties during the law enforcement processes. We definitely wish to participate in the codification process of the new Civil Code so that leasing as a legal dogmatics term can receive a steady statutory regulation.
OKTATSI BIZOTTSG Az Oktatsi Bizottsg 2010 oktberben jtt ltre, vezetje Dr. Gyrgyi Dra, az IKB-Leasing jogsza. A bizottsg ltrehozsnak tbb clja volt. Az els s taln legfontosabb a Lzingszvetsg trsadalmi szerepvllalsnak a nvelse akknt, hogy pontos, hiteles, prtatlan tjkoztats ad a honlapjn keresztl mind a fogyasztk mind pedig annak nem minsl gyfelek, rdekldk rszre, tisztzza a
EDUCATION COMMITTEE The Education Committee was set up in October 2010, it is headed by the lawyer of IKB-Leasing, Dr. Gyrgyi Dra. We had several reasons to set up this committee. The first and probably the most important of all was to enhance the social role taking of Leasing Association by means of giving authentic, trustworthy and objective information on its website to consumers, clients and all who are merely interested; to clear up sector-spe-
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kztudatban gyakran kevered fogalmakat, npszerstse a lzinget s annak rokonfinanszrozsi mdjait. A bizottsg letre hvsnak msik clja az volt, hogy koordinlja a Lzingszvetsghez rkez, s egyre szaporod szm oktatsi ignyeket, amelyek olyan hatsgoktl, intzmnyektl, kamarktl rkeznek, akik lzinggyletekkel kerlnek kapcsolatban a mindennapi munkjuk sorn (pl. rendrsg, brsg, gyszsg, adhatsg stb.). A bizottsg kzremkdni kvn tovbb a lzingtrsasgokat rint, ktelez hatsgi vizsgk tananyagnak sszelltsban, hogy szrevteleivel, javaslataival minl inkbb hozzjruljon a lzinggel kapcsolatos helyes ismeretek elsajttshoz. Vgl, de nem utols sorban pedig az Oktatsi Bizottsg tvlati cljai kztt szerepel a tagoknak, a tagokkal szoros kapcsolatban ll ms partnereknek (pl. kzvettk) a szakmai tovbbkpzse.
cific terms that are often mixed up in common knowledge; and to promote leasing and its related financing methods. The other purpose of establishing this committee was to co-ordinate the continuously increasing number of training demands, which arrive from such authorities, institutions and chambers who must work with lease deals in their everyday activity such as police, law courts, public prosecutors office or tax authority. The committee wishes to participate in the compilation of the education material of the obligatory intermediary examination in order to make sure that the intermediaries leasing-related knowledge is accurate. Last but not least the future goals of the Education Committee include organizing expert training sessions for members and other partners who keep close contact with the members such as intermediaries.
RISK&FRAUD BIZOTTSG A Risk Bizottsg vezetje Csontos va, az Ing-Lease kockzatkezelje. A bizottsg clja a lzingcgek kockzatkezelsi gyakorlatval kapcsolatos tapasztalatcsere, tudsmegoszts s a lzingcsalsok visszaszortsa. Az elhzd pnzgyi s vilggazdasgi vlsg arra sztnzi a lzingcgeket, hogy tudatosan foglalkozzanak a kockzatok cskkentsvel, a csalsksrletek visszaszortsval, valamint az eszkzeik s gyfeleik teljes futamid alatti monitorlsval. Taln a kzigazgatsban dolgozknl is feltnt, hogy az egyre mlyebb vlsg sajnlattal nveli a feketegazdasgot, gy a pnzgyi s bnldz szervezeteknl dolgozk llspontja kzeledhetett sok terleten. gy kezdenek vals egyttmkds jelei mutatkozni a szakhatsgokkal. Az ORFK bnmegelzsi s gazdasgvdelmi szakembereivel tbbszr is konzultltunk a Lzingszvetsg s az ORFK kztti egyttmkdsi megllapods alapjn. A rendrsg krsnek megfelelen az jonnan alakult Oktatsi Bizottsggal karltve megkezdjk kidolgozni a rendrsgnl dolgoz munkatrsak lzing specifikus oktatst. A Truck Bizottsggal tbbszr is lseztnk a teheraut piacon tapasztalhat j csals mdozatok visszaszortsa rdekben. sszel sikeres lzingreggelit rendeztnk, ahol a b-
RISK COMMITTEE The aim of the Committee is to share experience and knowledge concerning risk management practices of leasing companies as well as reduce risk fraud. The prolonged financial and global economic crisis increasingly urge the leasing companies to focus more consciously on the risk reduction measures, the fight against fraud attempts as well as the feasibility to monitor their assets and clients during the whole tenor. Perhaps even the public administrators realised that the ever-deepening crisis is a hotbed for black economy so the viewpoints of the financial sector and the criminal investigators could get closer in several questions. Based on the co-operation agreement between the Leasing Association and the ORFK (National Police), we had several consultation talks with criminal investigation and economic protection experts of ORFK. In accordance with the police request, we and the recently set up Education Committee are about to start working out a leasing-specific education scheme for the policemen. We had several joint sessions with the Truck Committee to discuss how to fight against the new fraud trends that appeared in the truck market. We organized a successful Leasing Breakfast Session where criminal investigators, database manage-
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nldz szervek, adatbzis kezel cgek, kereskedelmi banknl csalsmegelz terleten dolgoz kollgk oszthattk meg egymssal tapasztalataikat. Msodlagos jell cgek felhvsra igyeksznk bvteni ez irnyban is tevkenysgnket a biztonsgos portfolik kialaktsa rdekben. A Jogi Bizottsggal kzsen a Legfbb gyszsg s Brsg kpviselivel szakmai konzultcin is kpviseltettk magunkat. Hasznos megbeszlst folytattunk a Vgrehajtk Orszgos Egyesletnek vezetivel valamint a KHR j szolgltatsait is megismerhettk tagjaink. 2011-re az esettanulmnyok megvitatsn tli alaptevkenysg mellett legfontosabb feladatnak a szakhatsgokkal minl szlesebb kapcsolattarts, egyms munkjnak segtse, s minden olyan kezdemnyezs tmogatsa, amely a norml gazdasg vilgba tereli a lzinget.
ment company representatives and fraud experts from commercial banks could share their experience with each other. Upon the request made by companies that perform secondary markings, we seek to broaden our activity in order to establish safety portfolios. Along with the Legal Committee we had a consultation session with the representatives of the Chief Public Prosecutors Office and the Supreme Court. We had a useful discussion with the leaders of the National Bailiffs Association where we received detailed information on the new services of the Central Credit Bureau System (KHR). Beyond our basic task of discussing the case studies, the most important tasks in 2011 include broadening our relations with the relevant authorities, helping each other and supporting all the initiatives that get leasing back to the world of normal economy.
SZMVITELI BIZOTTSG A Szmviteli Bizottsg vezetje Tuboly Zoltn, az OTP Bank Nyrt. szmviteli vezetje (korbban Merkantil, illetve az UniCredit Leasing pnzgyi s szmviteli vezetje). A Bizottsg az elz vekhez hasonlan 2010-ben is kthavonta lsezett, a kormnyvlts s a vele egytt jr adpolitikai vltozsok, valamint az elz vekrl thzd ad s szmviteli trgyi trvnymdostsok rtelmezse, alkalmazsa bsgesen adott munkt. Az lseken a tagvllalatok s a prtol tagok jelents rsze is kpviseltette magt, a napirendre felvett tmk megvitatsra kerltek. Legfbb clkitzsnk tovbbra is: A szmviteli s adtrvnyek lzingszakma ltali egysges rtelmezse, kezelse, Trsterletek kiszolglsa llsfoglalsokkal a lzing mint finanszrozsi forma szablyozsi versenyhtrnynak cskkentse, megszntetse A clok megvalstsa rdekben - sok esetben tancsadk bevonsval llsfoglals krssel kerestk meg a megfelel intzmnyeket, amelyek ltalban tisztztk a krdses tmakr adbeli elszmolst, szmviteli besorolst. 2010. v folyamn a Bizottsg az albbi krdsekkel foglalkozott (a teljessg ignye nlkl): - Trsasgi adtrvny vltozsa pnzgyi vllalkozsokra vonatkozan rtkveszts elszmolhatsga - Ingatlan-lzinggel kapcsolatos illetkszablyok, Lzingvknyv [ 102 ]
ACCOUNTING COMMITTEE The Accounting Committee is headed by Mr. Zoltn Tuboly, the Chief Accountant of OTP Bank Plc (Mr. Tuboly worked previously as CFO at Merkantil Bank and at UniCredit Leasing). The Committee convened its meetings similarly to the previous years on a bimonthly basis in 2010, as the change of government and the subsequent taxation policy changes, as well as the interpretation and implementation of the amendments to the legal acts on taxation and accounting running over from previous years provided ample work for the Committee. The bulk of the member companies and patron members were represented at the meetings, the topics included on the agenda had been discussed by the attendees. Our main objectives remain: Uniform interpretation and application of the accounting and taxation legislation by the leasing sector, Issue expert opinions to facilitate the work of other co-areas, Reduce/ eliminate the competitive disadvantage of leasing as a form of financing In order to achieve these objectives, we contacted the competent regulatory authorities/ agencies through the involvement of consultants in many cases - to request an official opinion/stance, which in turn generally clarified the tax accounting and/or accounting classification of the issue in question. Leasing Yearbook
lzing-meghisulssal kapcsolatos krdsek - Polgri Trvnyknyv mdosts lzing fejezet - Gpjrm-vagyonad tovbbszmlzsnak FA kezelse pnzgyi lzing esetn - A szemlygpkocsikra vonatkoz hrom kzteher a vagyonad, a gpjrmad s a cgautad egymsba trtn beszmthatsga - Jutalkok FA kezelse - Felkszls az IAS17-re (ezzel kapcsolatban oktats illetve work-shop mr megtartsra kerlt) - Nhny helyi iparzsi adt rint krds (telephely keletkezse, ptmnyad alanya) - Nylt vg pnzgyi ingatlanlzing ltal generlt SZJA krdsek - Pnzgyi intzmnyeket sjt klnad A Bizottsg clja 2011-ben vltozatlanul a Szvetsg tagjainak munkjnak segtse az egysges szmviteli, adzsi gyakorlat megteremtsvel, illetve felhvni a szablyozk figyelmet az esetleges szablyozsi anomlikra.
In the course of 2010 the Committee covered inter alia the following topics and issues: - Modification of the Company Law with regard to financial businesses eligibility to account for value diminishments - Stamp duty regulations for real estate leasing, issues associated with failure of leasing - Amendment to the Civil Code the Chapter on Leasing - VAT-accounting of re-invoicing of vehicle property tax in case of financial leasing - Imputability/Deductibility of the three taxes levied on personal cars from each other property tax, vehicle tax and company car tax. - VAT-accounting of commissions - Preparation for IAS17 (the relevant training and the workshop have been already held) - Some local municipal tax related issues (creation of premises, tax subject of building tax) - Personal income tax issues generated by openend financial real estate leasing - The new banking (financial institution) tax In 2011, the Committees main goal continues to be the facilitation of the work of the members of the Association through the implementation of uniform accounting and taxation practices and to call the attention of the regulatory bodies to any possible regulation anomalies.
TRUCK BIZOTTSG 2010-ben a Truck Bizottsg vezetje Hunyady Gbor, a CIB Lzing Zrt. Eszkzfinanszrozsi zletgnak vezetje volt. A Bizottsg feladata a 3,5 tonna vagy a feletti teherbrs tehergpjrmvek s buszok finanszrozsval kapcsolatos krdsek megvitatsa, a szlesebb rtelemben vett iparggal kapcsolatos informcik biztostsa a tagok rszre. A bizottsgnak 23 tagja van, negyedvente, a Szvetsg szkhelyn tartja az lseit. 2010-ben a Bizottsg kpviseli az idszakos lseken kvl a lzingszvetsg keretein bell s kvl egyarnt meghvottknt, eladknt is szerepeltek. A 2010-es vben a Bizottsgot elssorban a kvetkez tmk foglalkoztattk: A specilisan a tehergpjrmvek piacn tapasztalhat, elssorban a vlsg hatsra elharapz jelensgek okai, kvetkezmnyeinek cskkentse, hossz tvon megelzse. (tkekintlvsgek s piaci rak elvlsa, djfelez konstrukci, eszkz-visszabirtoklsi problmk) Az elz pontban foglaltakkal sszefggsben a Bizottsg oktatst szervezett az ORFK munkatrsainak a tehergpjrm piac sajtossgairl, a tapasztalt gyans esetek tpusairl.
TRUCK COMMITTEE In 2010 the Truck Committee was led by Hunyady Gbor, the Asset Financing Head of CIB Lzing Zrt. The Committee is responsible for discussing financing issues in connection with buses and trucks with load capacity of 3.5 tons or over and providing information to members on the industry in general. The Committee has 23 members and holds meetings quarterly at the headquarters of the Association. Besides the seasonal meetings the representatives of the Committee appeared in several Association events and other trade forums as guests or lecturers throughout the year. In 2010 the Committee was mainly involved in the following issues: We analysed the reasons for the exclusively truck market-specific, crisis-driven phenomena, reducing then later preventing their effects. (growing dif-
Lzingvknyv
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Leasing Yearbook
A szemlyaut bizottsg nszablyozsra vonatkoz trekvseibl kiindulva megszletett egy Truck etikai kdex els verzija, azonban a szablyoz krnyezet akkori hozzllsa miatt nem lett elfogadva. A tbbszrs finanszrozs elkerlse rdekben a LIFER rendszer minl szlesebb kr alkalmazsa. A 2010-ben letbe lpett pnzgyi szolgltatkrl jogszably hatsainak elzetes, valamint a bevezets utni idszakra vonatkoz hatsainak vizsglata. A gazdasgi vlsgnak az rufuvarozi gazatra, s ezen keresztl az ezt finanszroz cgekre gyakorolt direkt s kzvetett hatsainak vizsglata. A 2007, 2008-as vekhez hasonlan a Magyar Lzingszvetsg vi rendes szakmai rendezvnyn ismt sikerlt egy asztalhoz ltetni a 7 nagy eurpai teheraut gyrt magyarorszgi kpviselit, ahol mind k, mind a meghvottak lehetsget kaptak az elmlt idszak tapasztalatainak kicserlsre, valamint megosztottk egymssal a kzeljvvel kapcsolatos vrakozsaikat. 2011-es fbb clkitzsek: ORFK-val val egyttmkds folytatsa, A pnzgyi szolgltatsok kzvettsrl szl jogszably-tervezet vlemnyezse, A rendszerbe bekerl eszkzk specifikcijrl val tjkoztats egysges szempontok alapjn val megkvetelse a szlltktl, Az rufuvarozi piac szereplinek tmogatsa a hatlyos jogszablyok vltozatsra tett javaslatokkal, Szorosabb egyttmkds a tbbi bizottsggal, valamint az elnksggel.
ference between outstanding and market prices, half fee construction, asset repossession problems) In connection with the issues described in the previous point, the Committee organized an education session for the ORFK (National Police) on the specific features of the truck market and the suspicious case types. Inspired by the self-regulatory efforts of the Automotive Committee, we worked out the first version of the Truck Ethical Code although it was not accepted mainly due to the negative attitude of the legislative environment. In order to prevent the multiple financing, we promoted the widespread application of LiFeR system. We examined the preliminary and post-introduction effects of the Law on Financial Service Providers that entered into force in 2010. We examined the direct and indirect effects that the economic crisis had on the truck sector and the financing companies. Similarly to 2007 and 2008, we managed to invite the Hungarian representatives of the seven major European truck manufacturers to the regular annual professional forum of the Hungarian Leasing Association where the guests could discuss what they had experienced in the past few months and what they expected from the near future. Main goals for 2011: Continue the co-operation with ORFK (National Police), Comment the draft law on the mediation of financial services, Require the suppliers to provide uniform information on the specification of the assets entering the system, Support the players of transport market by law amendment proposals, Keep a closer co-operation with the other committees and the board.
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IMPRESSZUM IMPRESS
Felels szerkeszt: Lvai Gbor ftitkr Kivitelezs: www.meditate.hu A Lzingszvetsggel kapcsolatos aktulis informcikat a www.lizingszovetseg.hu oldalon tallja, brmilyen krds esetn rjon az info@lizingszovetseg.hu e-mail cmre. Lzingvknyv Leasing Yearbook 2011
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UNIQA Az j generci biztostja

Trsasgunk az egyik vezet kzp-eurpai biztostcsoport, az UNIQA Group Austria tagja. Az UNIQA csoport 21 orszgban tbb mint 22 ezer munkatrssal s zletktvel rendelkezik, djbevtele 2010ben meghaladta a 6 millird eurt. F tevkenysgi terlete Kzp- s Kelet-Eurpa, ahol az vek sorn sok tapasztalatra tett szert, amely kivl alapul szolgl a tovbbi dinamikus nvekedshez. Filozfink alapja az gyfl-elgedettsg s a minsgi szolgltatsok nyjtsa partnereinknek s gyfeleinknek. Ennek, valamint az elktelezett munkatrsaiknak is ksznhet, hogy Trsasgunk sorozatban ngy alkalommal rdemelte ki a kivl mrkkat djaz Superbrands elismerst. Az elmlt 20 v alatt a magyar biztostsi piac hatodik legnagyobb szereplje lettnk, s tbb terleten, mint pldul a gpjrm-biztostsok, dobogs helyet szereztnk. Alapvet clkitzsnk, hogy a szolgltatsaink sznvonalval kivvott elismerst a jvben is kirdemeljk, s egyre tbb partner s gyfl tiszteljen meg bennnket bizalmval, amikor anyagi biztonsgrl s letnek kockzatos helyzeteirl dnt. Clunk, hogy az llandan vltoz piaci s makrogazdasgi helyzethez alkalmazkodva termkeinket folyamatosan fejlesszk, s az alapvet biztostsi megoldsokon tl egyb kiegszt szolgltatsokkal is gyfeleink rendelkezsre lljunk. A meghatroz lzingcgek s gyfeleink visszajelzsein alapul termkfejleszts eredmnyekppen 2011-ben tbb, a piacon egyedlll szolgltatsi csomagot tartalmaz innovatv termkkel jelentnk meg. Ezek kzl leginkbb az integrlt biztostsi szolgltatsokat emelnnk ki, amely szinte szrevtlen vdelmet nyjt az gyfeleknek, anlkl, hogy plusz adminisztrcis feladatot rna rjuk. Kedvez djszabs csoportos let-, baleset- s betegsgbiztostsi csomagjainkat a partnereink ignyeinek megfelelen tudjuk alaktani. Szolgltatsaink lefedik az sszes olyan kockzatot, amelyek gyfeleink s szeretteik biztonsgt alapveten befolysolhatjk. Integrlt casco termknk kialaktsnl ugyanezen szempontok vezreltek bennnket.
Biztonsgban minden ton.

Az j generci biztostja.
, balesetortos letp Keresse cso valamint betegsg-, s inkat! -biztostsa gpjrm .hu www.uniqa
A tjkoztats nem teljes kr, bvebb informci honlapunkon (www.uniqa.hu) tallhat.
Az UNIQA Biztost Zrt. a Magyar Olimpiai Csapat Hivatalos Tmogatja
L z i n g v k n y v Leasi g Yearbook Leasing

Leasing Yearbook 2011

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Leasing Yearbook 2011

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LZINGPIAC TNYEK LEASING MARKET - FACT SHEET

Financed amount - in M EUR

86 524 28495 27214 26407 32863 19842 18921 20359 21677

Outstanding by segments - in M EUR

LZINGPIAC TNYEK LEASING MARKET - FACT SHEET

Number of members - HLFA

280 320 250

HLFA member's participation in equipment investments - credit and leasing together

Other equipment investment Financed by HLFA members Participation

20,00% 10,00% 0,00%

Annual growth of new leasing volumes per country (2010/2009)

over 10% 5 to 10% 0 to 5% -10 to 0% -20 to -10% Under -20%

Members not reporting & non - members

1300 800 850

BAWAG LEASING & FLEET KFT. BG MAGYARORSZG LZING ZRT.

A MAGYAR LZINGSZVETSG EREDMNYEI 2010-BEN 8

FHB INGATLANLZING ZRT. GAS-CAR GPJRMKLCSNZ,

SZAKMAI EGYTTMKDS, RENDEZVNYEK

AUTPARK-KEZEL S SZOLGLTAT KFT. IKB PNZUGYI LZING ZRT.

IMPULS-LEASING HUNGRIA PNZUGYI LZING ZRT. 43 ING PNZUGYI LZING ZRT. / I

KZS INFORMATIKAI FEJLESZTSEK PR TEVKENYSG

NG BRLET (MAGYARORSZG) ZRT. KDB BANK (MAGYARORSZG) ZRT. K&H LZINGCSOPORT

MAGYAR LZINGPIAC 2010

KSZPNZ-LZING PNZUGYI ZRT. LEASEPLAN HUNGRIA ZRT.

RCI LZING S AUTFINANSZROZSI ZRT. SANTANDER CONSUMER FINANCE ZRT.

SCANIA FINANCE MAGYARORSZG ZRT. SG ESZKZFINANSZROZS CSOPORT

ALD AUTOMOTIVE MAGYARORSZG KFT.

UNICREDIT LEASING HUNGARY ZRT. VFS PNZUGYI SZOLGLTAT KFT.

ZSOLT HANCZR ELNKSGI TAG OKLEVELES KZGAZDSZ 87

91 91 91 91 94 95 96 96 98 100 101 102 103

SZMVITELI BIZOTTSG TRUCK BIZOTTSGOK

SZAKMAI SSZEFOGS RDEKKPVISELETI TEVKENYSG KZGYLS ELNKSG

PRESIDENTIAL SALUTATION THE ACHIEVEMENTS OF THE HUNGARIAN LEASING ASSOCIATION IN 2010

BUDAPEST AUTFINANSZROZSI ZRT. BUDAPEST LZING ZRT.

FHB INGATLANLZING ZRT. GAS-CAR GPJRMKLCSNZ,

TRADE CO-OPERATION, EVENTS ORGANIZED

AUTPARK-KEZEL S SZOLGLTAT KFT. IKB PNZUGYI LZING ZRT.

INTEREST REPRESENTATION ACTIVITY

IMPULS-LEASING HUNGRIA PNZUGYI LZING ZRT. 43 ING PNZUGYI LZING ZRT. / I

JOINT IT DEVELOPMENT PROGRAMME PR ACTIVITY

NG BRLET (MAGYARORSZG) ZRT. KDB BANK (MAGYARORSZG) ZRT. K&H LZINGCSOPORT

HUNGARIAN LEASING MARKET 2010

KSZPNZ-LZING PNZUGYI ZRT. LEASEPLAN HUNGRIA ZRT.

RCI LZING S AUTFINANSZROZSI ZRT. SANTANDER CONSUMER FINANCE ZRT.

SCANIA FINANCE MAGYARORSZG ZRT. SG ESZKZFINANSZROZS CSOPORT

ALD AUTOMOTIVE MAGYARORSZG KFT.

UNICREDIT LEASING HUNGARY ZRT. VFS PNZUGYI SZOLGLTAT KFT.

HANCZR ZSOLT BOARD MEMBER CHARTERED ECONOMIST 87

91 91 91 91 94 95 96 96 98 100 101 102 103

HOWTHE LEASING ASSOCIATIONWORKS

ACCOUNTING COMMITTEE TRUCK COMMITTEE

PROFESSIONAL UNITY REPRESENTATION OF INTEREST GENERAL ASSEMBLY EXECUTIVE COUNCIL

ELNKI KSZNT PRESIDENTIAL SALUTATION

ELNKI KSZNT PRESIDENTIAL SALUTATION

DR. DUNAVLGYI MRIA

DR. MRIA DUNAVLGYI

RDEKKPVISELETI TEVKENYSG INTEREST REPRESENTATION ACTIVITY

MAGYAR LZINGPIAC 2010 HUNGARIAN LEASING MARKET 2010

MAGYAR LZINGPIAC 2010 HUNGARIAN LEASING MARKET 2010

MAGYAR LZINGPIAC 2010 HUNGARIAN LEASING MARKET 2010

100 000 50 000 0

28 495 27 214 26 407 32 863

19 842 18 921 20 359 21 677

MAGYAR LZINGPIAC 2010 HUNGARIAN LEASING MARKET 2010