The Financial Companies Association ALB Romania Asociatia Societatilor Financiare - ALB Romania

Consumer Credit Market in Romania Piata creditului de consum in Romania 31.12.2012

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

Total Outstanding in Romania Portofoliul total in Romania

Outstanding 31.12.2012

14%

941 million

ALB Outstanding ALB Non-Affiliates

86%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

Outstanding by Loan Type Portofoliul dupa tipul de credit (Total ALB)

100% 90% 80% 70% 60% 50% 2011 - 841 40% 30% 20% 10% 0% Consu e! "!edit fo! #e!sonal C!edits fo! %e&i"les $ C!edite "onsu #tion $ C!edite destinate auto "onsu ului #e!sonal 'ndust!ial C!edit$ C!edite 'ndust!iale 2012 - 804 ill ( ill (

94%

93%

4%

4%

2%

3%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New credit granted by Loan Type Credite noi acordate dupa tipul de credit (Total ALB)
100% 94% 90% 80% 70% 60% 50% 2011 - 543 40% 30% 20% 7% 10% 3% 0% Consu e! "!edit fo! #e!sonal "onsu #tion $ C!edite destinate "onsu ului #e!sonal C!edits fo! %e&i"les $ C!edite auto 'ndust!ial C!edit$ C!edite 'ndust!iale 2% 3% 2012 - 512 ill ( ill ( 91%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

No. of Contracts by Loan Type Nr. de contracte dupa tipul de credit (Total ALB)
120%

100%

98%

98%

80%

60%

40%

20% 1% 0% Consu e! "!edit fo! #e!sonal "onsu #tion $ C!edite destinate "onsu ului #e!sonal C!edits fo! %e&i"les $ C!edite auto 'ndust!ial C!edit$ C!edite 'ndust!iale 1% 1% 1%

2011 - 749 641 "ont!a"ts

2012 - 716 480 "ont!a"ts

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA

New Credit for Personal Consumption Credite noi acordate pentru consum personal (Total ALB)
60% 52% 50% 44% 40%

37%

36%

30%

2011 - 512 2012 - 466

ill ( ill (

20%

19%

12% 10%

0% )e!sonal Loans *e+ol+ing "!edit in"luding "!edit "a!ds C!edit at t&e #oint of sale

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

New Credit Granted by Value Credite noi acordate dupa valoare (Total ALB)

31.12.2011

31.12.2012
9%

15% 9%

11%

0-1000 ,u!o

543 million
52%

1000 - 5000 ,u!o 5000-10000 ,u!o -10000 ,u!o 30%

512 million

52%

22%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

New Credit Granted by Client Age Credite noi acordate dupa varsta clientilor (Total ALB)
31.12.2011
4% 4% 28% 19% 28% 19%

31.12.2012

543 million
21% 28%

. 25 /ea!s old 25-35 /ea!s old 35-45 /ea!s old 45-55 /ea!s old -55 /ea!s old 21%

512 million

28%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

New Credit Granted by Client Residential Areas Credite noi acordate dupa zona de resedinta a clientilor (Total ALB)

31.12.2011

31.12.2012

22% 21%

543 million
79%

*u!al 0!1an

512 million
78%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

New Credit Granted by Client Macro-Regions Areas Credite noi acordate dupa zona de macro-regiune a clientilor (Total ALB)

31.12.2011

31.12.2012
10% 9% 10%

10% 9%

9% No!d - %est 10% Cent!u No!d - ,st 10%

543 million
23% 14%

2ud-,st 10% 2ud-3untenia Bu"u!esti-'lfo+ 2ud-%est %est 20%

512 million

12%

14% 15%

15%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

10

New Credit Granted by Client Gender Credite noi acordate dupa sexul clientilor (Total ALB)

31.12.2011

31.12.2012

50%

543 million

50%

3 50%

512 million

50%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

11

New Credit Granted by Marital Status Credite noi acordate dupa starea civila (Total ALB)
31.12.2012 31.12.2011

40% 3a!!ied$Casato!iti

512 million
60%

74%

543 million

26% 0n a!!ied$Ne"asato!iti

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

12

New Credit Granted by Education Credite noi acordate dupa gradul de educatie (Total ALB)
31.12.2012

31.12.2011

17% 14% ,le enta!/ 51-8 "lase6 35% 30%

543 million

3ediu 5Li"eu7 #!ofesionala6 2u#e!io!

512 million

53% 51%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

13

New Credit Granted by Net Income of Applicant Credite noi acordate dupa venitul net al solicitantului (Total ALB)
31.12.2012
4% 0-500 *ON 2% 2% 2% 6% 9%

31.12.2011

501-18000 *ON 18001-18500 *ON 18501-28000 *ON 28001-28500 *ON

21%

28501-38000 *ON 38001-48000 *ON -48000 *ON

25%

50%

54%

8% 4% 2% 1% 1%

9%

Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE ALB ROMANIA Issued by Diplomat Consult for ALB Romania

14