Annual Report
Czech Leasing and Finance Association
Czech Leasing and Finance Association
Annual Report 2013
Czech Leasing and Finance Association
Obsah
Introductory Word by the ČLFA’s Board Chairlady
5
Activities of the Czech Leasing
and Finance Association in 2013
12
ČLFA´s Bodies
14
List of Members
16
Contacts
17
| 4 |
Annual Report 2013
Introductory Word
by the CLFA’s Board Chairlady
The Czech Leasing and Finance Association (CLFA) supported in
2013, as in the past, through various activities legal interests of
member companies and other providers of financial services –
financial and operating leasing, credits for entrepreneurial entities and households as well as factoring. The Association organised analyses and undertook respective steps aimed at supporting common views and interests of member companies in
the framework of the implementation of the mission and aims
inscribed in the Articles of Association of CLFA.
CLFA monitored and analysed both long term and topical problems of our financing market. It dealt with legal and economic
environment, in which financial transactions were carried out,
and helped disseminate information about non-bank products
applicable for financing investments and operations of business
entities as well as household needs. It continued its active participation in European federations of non-bank providers of financial products: Leaseurope, Eurofinas and EU Factoring. In accordance with the Articles of Association and with the
conclusions of CLFA´s General Assemblies, it contributed to
creating conditions for further development of non-bank financing.
| 5 |
Ing. Jiřina Tapšíková, MBA
Chairlady of the Board of ČLFA
Development of non-bank financial market in 2013
In 2013, financial transactions were affected by the economic recession and by economic situation connected with the stagnation of
investments and household spending. However, even in conditions
of a limited demand of business entities and consumers, the volume
, operation of corporations and private consumption has interannually increased and its role and contribution to the financing of business development and household consumption has risen.
In 2013, CLFA member companies provided - through leasing, factoring and credits to consumers and businesses - a total of CZK
123,35 billion (by CZK 5,13 billion more than in 2012). They provided CZK 87.47 billion to financing investments and operations of
Czech Leasing and Finance Association
business entities, and CZK 35.88 billion to financing goods and services for households. They entered into 1,054,645 new lease and
credit transactions; at the end of 2013, they managed 2,328,536 active lease and credit agreements. They financed technology by the
amount of CZK 18.81 billion, and road vehicles by CZK 56.22 billion.
In 2013, they financed 42.3 % newly registered passenger cars.
Development of non-bank financing of business entities
Even in conditions of a stagnation of investments and of new viable
business projects, a slight year-on-year increase of leasing of movables took place in 2013. CLFA member companies put to the lease
machinery, equipment and vehicles for the total purchase price (excluding VAT) CZK 37 billion, which represented a year-on-year increase by 4.1 % for the largest 15 companies. They entered into
42,021 new contracts with business entities for leasing machinery,
equipment and vehicles for entrepreneurs. The share of operating
leases in the total lease of movable investments has continued to
grow in the long term: in 2013 it reached 43.7 %. In terms of the
commodities, the leasing of passenger cars still dominated (30.5 %),
followed by the leasing of trucks (31.4 %) and the leasing of machinery and equipment (24.6 %). At the end of 2013, leases of movables
for businesses were taking place on the basis of active 170,137 lease
contracts entered into by CLFA member companies.
In 2013, another decrease of real estate leasing took place. Their volume on the year-on-year basis declined by 34.4 %. CLFA member
companies passed on 15 properties to the lease in the total acquisition price of CZK 2.02 billion.
In line with existing trends, the growth of non-bank loans and
instalment sales for businesses continued in 2013. CLFA member
companies provided 69,356 new loans to business entities in 2013
(of which 198 loans were for the acquisition of property) in the total
amount of CZK 35.43 billion. On the year-on-year basis, the volume
of these loans increased by 8.6 % in the case of the leading fifteen
companies. The growth of the share of loan financing in the deals
of the CLFA member companies continued.
Also factoring business grew in 2013. The claims worth CZK 137
billion were referred to the CLFA members, which represented
a year-on-year growth of 7.1 %. The funds provided by CLFA member companies in factoring transactions reached CZK 15.5 billion
as at 31 December 2013. Similar to previous years, recourse-factoring prevailed.
Development of non-bank consumer financing
CLFA member companies contributed significantly to the financing
needs of households in 2013. Despite the rise in unemployment and
reduction in consumer spending, 936,193 contracts on consumer
loans were entered into, under which households were provided
a total of CZK 34.41 billion, which represents a year-on-year This figure was accounted for quite evenly by personal loans (32,5 %), revolving loans (35,5 %) and point of sale funding (32 %).
In 2013, the share of consumer leasing grew and its share in promoting sales and meeting the needs of households declined. CLFA
member companies entered into 5,472 new contracts for consumer
leases a short-term rental, under which they passed on to the use of
consumers movables (mainly passenger cars) of the total acquisition
price (excluding VAT) of CZK 1.47 billion – 5,9 % less than in the previous year.
| 6 |
CLFA fulfils its mission in compliance with its Articles
of Association.
Within the framework of its mandate, it is also CLFA which contributes to the development of nonbank financing. It strives for the
improvement of the legal framework of financial products provided
by member companies, including the tax regime of leasing, nonbank loans for consumers and entrepreneurs and factoring. In 2013,
the Association continuously participated in negotiations on modification of legal regulations in force, including drafts of amendments to tax laws, a draft of a substantial amendment to the Law on
Roads and an amendment to the Law on Liability Insurance of Motor
Vehicles. CLFA has helped member companies to get prepared for
the application of the new Civil Code. It has submitted an impact
analysis to the Ministry of Finance of the proposal to enable tax adjusting entries for outstandings of nonbank financial institutions
from provided credits and loans. Within the framework of Leaseurope and Eurofinas, CLFA participated in the preparation of the
standpoint of the European community of leasing and consumer
credit providers regarding legislative projects of the European Commission, including the amendment to the EU directive on insurance
mediators, new personal data protection regulation as well as the
amendment to the EU directive against money laundering and financing of terrorism. Through Leaseurope, CLFA took an active part
in negotiations regarding a new international accounting standard
for leasing. The Chairlady of the Board of Directors of CLFA has con-
Annual Report 2013
tinued her performance as a representative of Associations from CEE
in the Leaseurope Board.
CLFA processes statistics of trading results and selected financial
data of member companies, which represent a unique source of information from the respective segments of the domestic financial
market not just for member companies but also for state authorities,
financial analysts and media. By means of expert committees, CLFA
assures the exchange of views, information and experience regarding topical problems of financial products and business environment. The Association disseminates information on financial products intended for business entities and consumers in the media. In
2013, the Association also progressed in the area of self-regulation
by means of the preparation of an amended memorandum of consumer protection at the provision of consumer credits.
| 7 | CLFA efficiently represents interests of member companies in relations with state authorities, general public and associations of other
financial service providers or clients, and it contributes to the development and improvement of the Czech financial market. By means
of an active membership in European federations of providers of
leasing, credits and factoring, it takes part in the influencing in the
European framework of the development of such products, it assures the access to corresponding information and the usage of such
information in the domestic market. The Association fulfilled successfully its mission also in 2013.
Ing. Jiřina Tapšíková, MBA
Chairlady of the Board of ČLFA
Czech Leasing and Finance Association
Leasing
Development of leasing volumes of members of the Czech Leasing and Finance Association (bln.CZK)
140
122,7
120
96,0
100
97,0
99,3
106,4
96,6 100,5
95,5
84,5
75,0
80
63,0
63,5
60
46,0
44,2
32,0
40
47,0 46,4
37,9
38,5
3,1
2,0
28,0
16,0
20
17,0
6,5
0,7
0,4
0,6
0,7
0,3
1991
1992
1993
1994
1995
0,4
1,2
4,4
5,6
4,4
5,8
1996
1997
1998
1999
2000
2001
9,1
9,4
11,8
12,6
11,2
11,9
11,6
3,2
2,1
2,7
0
2002
2003
2004
2005
Equipment leased by members of the Czech Leasing and Finance Association
in 2013 – by type of asset
24 2 %
11
0,4 %
2,7 %
3,6 %
0,1
1%
%
31,4 %
31,4
2006
2007
2008
2009 2010 2011 2012 2013
■ Equipment ■ Real Estate
1. cars - 30,5%
2. motorcycles - 0,1%
3. light commercial vehicles - 4,3%
4. trucks - 31,4%
5. buses - 2,5%
6. other heavy commercial vehicles - 0,1%
7. ships, aircraft - 3,6%
8. computers, office equipment - 2,7%
9. fotovoltaic equipment - 0,4%
10. machinery, industrial equipment - 24,2%
11. others - 0,2%
Equipment leased by members of the Czech Leasing and Finance Association
in 2013 – according to sector of lessee´s activity
08% 28%
28,9 %
0,1
0
4,1 %
11,3 %
7,6 %
7
1. cars - 40,1%
2. motorcycles - 0,3%
3. light commercial vehicles - 7,6%
4. trucks - 11,3%
5. buses - 4,1%
6. other heavy commercial vehicles - 0,1%
7. ships, aircraft - 2,6%
8. computers, office equipment - 0,7%
9. fotovoltaic equipment - 0,1%
10. machinery, industrial equipment - 28,9%
11. others - 0,6%
12. services and unidentificiable commodities - 0,8%
13. real estate - 2,8%
| 8 |
Annual Report 2013
Credits provided to corporations
and entrepreneurs
Development of Business Credit and Sale on Instalment for Entrepreneurs of members
of the Czech Leasing and Finance Association (bln. CZK)
40
35,4
35
30,4
30
25,7
26,9
27,3
2008
2009
2010
46,1 %
47,5 %
32,9
25
18,7
20
15
11,9
10
5,8
5
| 9 |
0
1,8
2,3
2001
2002
3,8
4,0
2003
2004
2005
2006
2007
2011
2012
2013
Share of leasing and credit in trade volumes of leasing companies
100
93,4 %
93,3 %
91,6 %
90
88,3 %
82,6 %
77,3 %
80
76,1 %
63,9 %
70
60
50
40,7 %
37,0 %
40
37,5 %
20,4 %
10
2,2 / 4,4 % 2,5 / 4,2 % 4,0 / 4,4 %
4,0 / 7,7 %
11,4 %
6,0 %
0
2001
2002
2003
2004
2005
12,6 %
10,1 %
10,9 %
2006
2007
29,3%
24,5 %
13,0 %
21,8 %
15,7 %
16,9 %
16,5 %
2008
2009
2010
49,2 %
28,5%
36,0 %
30
20
46,2 %
2011
■ Financial Leasing ■ Credits ■ Operating Leasing
2012
22,3 %
2013
Czech Leasing and Finance Association
Factoring
Development of volumes of members of the Association of Factoring Companies of CR (bln. CZK)
160
145,4
134,0
140
128,2
127,1
120
130,6
111,9
104,8
99,7
100
83,8
80
60
| 10 |
40
20
0
2005
2006
2007
2008
2009
2010
2011
2012
2013
Factoring product in 2013
Aiming of factoring in 2013
3,4 %
■ resource factoring - 65,5 % ■ non-resource factoring - 34,5 %
■ domestic - 69,3 % ■ export - 27,3 % ■ import - 3,4 %
Annual Report 2013
Consumer Credit
Development of non-banking consumer credit of members of the Czech Leasing and Finance Association (bln. CZK)
60
54,4
47,9
50
41,1
38,0
40
36,6
34,2
34,2
34,4
2011
2012
2013
32,5
30
| 11 |
25,3
18,0
20
14,2
15,0
2001
2002
10
0
2003
2004
2005
2006
2007
2008
2009
2010
Consumer credit of members of the Czech Leasing and Finance Association in 2013
35,5 %
■ personal loans - 32,5 % ■ revolving credits - 35,5 % ■ financing at the points of sale - 32,0 %
Czech Leasing and Finance Association
Activities of the CLFA
Abstract from the report of the CLFA board of directors for the members meeting
held 31th March 2014
Activities undertaken by the Czech Leasing and Finance Association
in previous twelve months focused on the fulfilment of objectives
set up in the Articles of Association. The Board of Directors mainly
strived for the fulfilment of priorities approved by the CLFA´s General Assembly held on 25th March 2013. Such priorities included the
improvement of conditions for the provision of leasing, nonbank
consumer credits and factoring.
In the sphere of legislation, CLFA mainly tried to achieve the removal
of discriminatory elements in the taxation framework of non-bank financial products. It primarily focused on developing activities promoting
the following objectives:
– Discussing the possibility of tax adjustments to receivables from
loans of non-bank institutions with the MF (with the support of
PwC), and presenting the analysis of impacts of the proposed RIA
modifications in this matter.
– Pushing through the removal of double burden of the transfer of
ownership in the lease of real estate into Statutory Regulation No.
340/2013 Sb. (Coll.) on the taxation of acquisition of immovable
property.
– Pushing through the specifics of assigning receivables and their
management in factoring transactions in the methodology of the
General Finance Directorate as the guarantee for unpaid VAT.
CLFA was actively involved in optimizing the legal framework for nonbank financial products also in other fields:
– It actively acted against unsystematic proposals for strengthening
the position of a debtor – consumer, including the setting of interest
ceilings.
– It actively worked on adjusting the procedures for the registration
and record keeping of vehicles.
– It participated in the discussions of the European leasing community
on the content of the forthcoming new international accounting
standard for leasing.
The CLFA Board of Directors held repeated discussions with the representatives of the legislative and executive branches to push through priorities of CLFA in the legislative area as well as the views of the Association on the interpretation and application of existing legislation,
including:
– The rapporteurs of some parliamentary motions and other Members
of the Parliament on draft amendments to some laws relevant to
CLFA products.
– The Deputy Minister of Finance and other MoF representatives on
tax issues.
– The Vice-Governor of the CNB and other representatives of the Central Bank on the regulation and equal conditions for activities of
non-bank financial institutions, and on the degree of risk of nonbank financing.
– The Deputies of the Minister of Finance and other MoF representatives on the application of the consumer credit act and consumer
protection act.
– The Deputy Minister of Transport and the Head of the MoT Legislative Department on the draft amendment of the act on the conditions of vehicle use on the roads and on the draft degree on the vehicle registration.
– The representatives of the Financial Arbiter on the procedures of financial institutions in providing consumer loan and payment services.
Legislative and other CLFA objectives were coordinated and pushed
through in cooperation with other interest groups:
– Indispensable is the cooperation with the Czech Banking Association
(for example in negotiations on the proposal of the APR ceilings or
on the progress in the regulation of the financial market; in the
preparation of the FATCA agreement concerning the approach of financial institutions to tax residents in the USA; or in the consultations on the EU legislation).
– Discussions with the Association of the Czech Insurance Companies
were held on the speed of handing over relevant information to insurance companies, on the issues in the contacts with the Czech Insurers Bureau, and on the desirable amendment to the liability insur- | 12 |
ance of vehicles.
– Discussions with the Car Importers Association were held on the legislative proposals concerning the conditions of the operation on
roads and obstacles to selling and financing cars.
– Cooperation with the Association of Small- and Medium-Sized Enterprises was extended in order to improve the conditions for the use
of the CLFA products by these business entities.
– The CLFA is an active member of the Platform for Responsible Finance bringing together government authorities, consumer associations and finance associations which monitor financial products for
households.
In order to strengthen the self-regulation of member companies, the
Consumer Finance Committee prepared a draft amendment to the CLFA
Memorandum on the consumer protection in providing consumer loans
by regulating the financing of direct sales.
Another shift was made also in the area of CLFA media activities focused on the support and promotion of financial products offered by
the members of the Association:
A media strategy was followed that defines communication objectives,
thematic areas and key issues of media activities of the Association, target groups, and the relevant communication tools.
In February 2014, CLFA held a press conference on the development of
non-bank financing in 2013.
Seventeen CLFA press releases and many articles were published in the
media concerning Association’s opinions on topical issues of the development and regulation of non-bank financial products. Over 300 texts
were published in our media from the last-year’s member meeting until
the end of February, which is more than in the previous period. Representatives of CLFA commented repeatedly on the products of the Association in television and radio sessions.
Annual Report 2013
There was a further shift in the organization of internal functioning
of CLFA. Expert committees got increasingly involved in preparing the
opinions of the Association. They analyzed current needs of the nonbank financial market, and more often than in the past years gave suggestions to the Board of Directors regarding relevant opinions. Cooperation with external experts was expanded in the area of compiling
outputs of CLFA and their promotion, including background documentation for legislative initiatives of the Association. A series of seminars
on the interpretation and application of the new Civil Code was prepared in cooperation with KPMG and some co-authors. The Board of Directors sought a more efficient use of CLFA membership in Leaseurope,
Eurofinas and EUF. In the Leaseurope Board, Ing. J. Tapšíková worked already the second year as a representative of associations from the CEE.
Implementation of priorities approved by the membership meeting and
topical issues of the development of legislation and economy were discussed by the Board of Directors on the 13 September 2013 at a working
breakfast with representatives of member companies. The Association
continued to collect, analyze and publish statistics. Twenty-two member companies were involved in collecting and sharing selected financial
statistics.
In the past period, CLFA expert committees deepened the system and
expertise of their work. It focused on current needs of the Association,
especially in the process of monitoring and promoting legislative
changes.
The Legislation and Legal Committee mainly focused on the following
| 13 | issues:
– Preparing the application of the new Civil Code.
– Draft amendment of the act on the conditions of vehicle use on the
roads; preparation of the draft degree on the vehicle registration.
– Desirable changes to the act on the liability insurance of vehicles.
– Draft amendment to the act on insurance intermediaries.
– Royalties for “public performance” of car radios in leased vehicles.
– Removal of member companies and their products from the FATCA
regime.
– CLFA suggestions for the public inquiry “The Legislative Act of the
Year” .
– Courts Case law relevant to the products of member companies.
– Feedback from the Legal Committee of Leaseurope and from the
Legal and Political Committee of Eurofinas.
The Tax and Accounting Committee continuously assessed opinions
and proposals of the CLFA concerning tax amendments, particularly the
amendments to the income tax act and VAT act. It also discussed other
issues of taxation and accounting regime relating to products offered
by the members of the Association:
– It analyzed relevant changes to tax laws and their implications for
the providers of non-bank financial products, including the amendment to the income tax act and the amendment to the VAT act.
– It held discussions over the effects of the measures against unreliable VAT payers and over the methodical guidelines of the General
Finance Directorate concerning the guarantee for an unpaid tax.
– It assessed relevant conclusions of the Coordinating Committee of
the Ministry of Finance on the interpretation and application of certain tax laws.
– It monitored the preparation of the new international accounting
standard for leasing, and prepared a September seminar for government authorities and professional chambers on the revised draft of
this standard.
– It discussed suggestions from the work of the Accounting
and Tax Committee of Leaseurope.
Statistics Committee
– It discussed and approved the quarterly and yearly reports on the
market status and trends, as well as other statistical outputs.
– It dealt with the methodology of reporting defaulting receivables
in the CLFA financial products, and discussed this issue
with the CNB representatives.
– It assessed the suggestions for further expansion of business and
financial statistics.
The Consumer Finance Committee discussed the following issues:
– The interpretation and application of the consumer credit act.
– The draft amendment to the Memorandum on consumer protection
in providing consumer loans.
– Unfair practices in consumer lending, including excesses in financing
the purchase of goods and/or services at product demonstrations.
– The practice of supervisory authorities in verifying client’s ability to
repay a consumer loan.
– The media opinions of the CLFA on the issue of non-bank financial
products for consumers.
– Feedback from the Platform for responsible finance.
– Discussions with the organization People in Need on the Fairness
Index and on the degree of risk in lending.
– Feedback from the Legal and Political Committee of Eurofinas.
The Committee for Financing Vehicles up to 3.5 t discussed the following issues:
– The development of the market of vehicle financing, especially in the
segment of operating leases.
– The draft degree on the vehicle registration.
– The connection of the CLFA to the memorandum of BESIP, SDA a SAP
concerning road safety.
– The progress in equipping vehicles by telecommunications
technology.
– The procedures in imposing fines for traffic offences of lessees.
– The use of electronic service books.
– The suggestions from Automotive Steering Group Leaseurope.
The Committee for the Funding of Machinery, Equipment and Heavier Transport Equipment addressed the following issues:
– The monitoring of trends in funding the means of production.
– The preparation of a draft memorandum on the usability of leasing
in funding business investments.
– The utilization of subsidies in the funding of entrepreneurial investments using leasing and loans with a securing transfer of ownership
rights.
The work of expert committees was adversely affected by an insufficient
activity of some members and frequent absence of some members of
the Committee at their meetings.
In the period since the last General Assembly, the Association helped
promote common interests of member companies and the development of leases, non-bank loans, instalment sales and factoring in the
Czech Republic.
Czech Leasing and Finance Association
Board of Directors
Chairlady of the Board
Ing. Jiřina Tapšíková, MBA
Executive
ŠkoFIN s.r.o.
Vice-Chairlady of the Board
Mgr. Blažena Valkošáková
Financial Director
CETELEM ČR, a.s.
Vice-Chairman of the Board
Ing. Tomáš Morávek
Chairman of the Board
ČSOB Factoring, a.s.
| 14 |
Member of the Board
Ing. Libor Bosák
Chairman of the Board
ČSOB Leasing, a.s.
Member of the Board
Ing. Jaromír Hájek
General Manager
LeasePlan Česká republika, s.r.o.
Member of the Board
Ing. Jiří Matula
Chairman of the Board
UniCredit Leasing CZ, a.s.
Annual Report 2013
Committees of ČLFA
Expertní výbory ČLFA
Legal Committee
Chairperson:
Mgr. Paed.Dr. Vratislav Kejdana
GE Money Auto, s.r.o.
| 15 |
Committee on Financing of machinery,
industrial equipment and vehicles
Chairperson:
Ing. Jiří Vintr
UniCredit Leasing CZ, a.s.
Committee on Statistics
Chairperson:
Ing. Tomáš Veverka
s Autoleasing, a.s.
Conciliation Commission
Accounting and Taxation Committee
Chairperson:
Ing. Milena Veselá
SG Equipment Finance Czech Republic s.r.o.
ČSOB Leasing, a.s.
Home Credit, a.s.
SG Equipment Finance Czech Republic s.r.o.
Erste Leasing, a.s.
TRANSFINANCE, a.s.
Committee on Consumer Financing
Chairperson:
Mgr. Andrea Zatloukalová
Home Credit, a.s.
Committee on financing of cars up to 3,5 t
Chairperson:
Ing. Marta Slažanská
ČSOB Leasing, a.s.
Auditor
Ing. Květa Najmanová
Secretary-General
JUDr. Jiří Pulz, CSc.
Czech Leasing and Finance Association
List of members of the Czech
Leasing and Finance Association
(as of 31. 12. 2013)
AGRO LEASING J. Hradec s.r.o.
Factoring České spořitelny, a.s.
s Autoleasing, a.s.
ALD Automotive s.r.o.
Factoring KB, a.s.
SCANIA FINANCE
Czech Republic, spol. s r.o.
ARCHER SHERIDAN, s.r.o.
FCE Credit, s.r.o.
ARVAL CZ s.r.o.
GE Money Auto, s.r.o.
SG Equipment Finance
Czech Republic s.r.o.
Bibby Financial Services, a.s.
GRENKELEASING s.r.o.
ŠkoFIN s.r.o.
BOHEMIA, s.r.o.
Home Credit a.s.
Toyota Financial Services Czech s.r.o.
BUSINESS LEASE s.r.o.
IKB Leasing ČR s.r.o.
TRANSFINANCE a.s.
CETELEM ČR, a.s.
IMPULS-Leasing-AUSTRIA s.r.o.
UniCredit Leasing CZ, a.s.
COFIDIS s.r.o.
KPMG Česká republika, s.r.o.
UNILEASING, a.s.
Credium, a.s.
LeasePlan Česká republika, s.r.o.
VB Leasing CZ, spol. s r.o.
Česká finanční, spol. s r.o.
LEASETREND s.r.o.
VB Real Estate Services Czechia s.r.o.
ČSOB Factoring, a.s.
Mercedes-Benz Financial Services
Česká republika s.r.o.
VFS Financial Services
Czech Republic s.r.o.
Oberbank Leasing spol. s r.o.
VLTAVÍN leas, a.s.
ČSOB Leasing, a.s.
Deutsche Leasing ČR, spol. s r.o.
D.S. Leasing, a.s.
PricewaterhouseCoopers
Česká republika, s.r.o.
ECONOCOM Czech Republic, s.r.o.
Provident Financial s.r.o.
Erste Group Immorent ČR s.r.o.
PSA FINANCE ČESKÁ REPUBLIKA, s.r.o.
Erste Leasing, a.s.
Raiffeisen-Leasing, s.r.o.
ESSOX s.r.o.
RT TORAX, s.r.o.
| 16 |
Annual Report 2013
Contact
AGRO LEASING J. Hradec s.r.o.
E-mail:
Web:
Tel.:
Fax:
Manager-Executive:
Executive:
Sládkova 309/II, 377 01 Jindřichův Hradec
[email protected]
www.agroleasing.cz
384 361 026, 384 327 244, 384 361 067
602 417 937, 603 158 024
384 362 166
Ing. Josef Drnek
Mgr. Ing. Tomáš Drnek
ALD Automotive s.r.o.
| 17 |
E-mail:
Web:
Tel.:
Fax:
General Manager:
U Stavoservisu 527/1, 100 40 Praha 10
[email protected]
www.aldautomotive.com
955 525 001
955 525 170
Ing. Petr Kohout
ARCHER SHERIDAN, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Manager:
Bucharova 2/1281, 158 00 Praha 5
[email protected]
www.hertzlease.cz
225 001 001
225 001 010
Michal Kotrba
ARVAL CZ s.r.o.
E-mail:
Web:
Tel.:
Fax:
General Manager:
Na Pankráci 1683/127, 140 00 Praha 4
[email protected]
www.arval.cz
261 109 011
261 109 012
Gregor Bilik
Bibby Financial Services, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Members of the Board:
Hlinky 118, 603 00 Brno
[email protected]
www.bibbyfinancialservices.cz
543 124 711
543 124 712
Gary Davies
Ing. Michal Gabriel, MBA, Ing. Petr Novák, MBA, Christopher Parle
Czech Leasing and Finance Association
BOHEMIA, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Manager:
Kollárovo nám. 7, 772 00 Olomouc
[email protected]
www.bohemia-ol.cz
585 224 956, 585 556 332
585 556 337
Ing. Miroslav Křeček
BUSINESS LEASE s.r.o.
E-mail:
Web:
Tel.:
Fax:
Manager:
Radlická 714/113a, 158 00 Praha 5
[email protected]
www.businesslease.cz
225 778 800
225 778 899
Elias Drakopoulos
CETELEM ČR, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Vice-Chairman of the Board
and General Manager:
Karla Engliše 5/3208, 150 00 Praha 5
[email protected]
www.cetelem.cz
257 080 111
257 080 128
Charles Mc Arthur
Ing. Václav Horák
COFIDIS s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Bucharova 1423/6, 158 00 Praha 5
[email protected]
www.cofidis.cz
234 120 120
234 120 100
Ing. Jan Polívka, Luc Bertrand Salus
Credium, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Bucharova 2657/12, 158 00 Praha 13
[email protected]
www.credium.cz
233 064 585
233 064 343
Jean-Luc Mas
Česká finanční, spol. s r.o.
E-mail:
Web:
Tel.:
Fax:
Executive:
Kolovratská 2020, 251 01 Říčany u Prahy
[email protected]
www.cfz.cz
323 605 333
323 605 677
Mgr. Otakar Bělohradský
| 18 |
Annual Report 2013
ČSOB Factoring, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Benešovská 2538/40, 101 00 Praha 10
[email protected]
www.csobfactoring.cz
267 184 811
267 184 822
Ing. Tomáš Morávek
ČSOB Leasing, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Vice-Chairman of the Board:
Member of the Board:
Na Pankráci 310/60, 140 00 Praha 4
[email protected]
www.csobleasing.cz
222 012 111
222 012 364
Ing. Libor Bosák
Ing. Josef Rosenkranz
Ing. Rudolf Kypta
Deutsche Leasing ČR, spol. s r.o.
| 19 |
E-mail:
Web:
Tel.:
Fax:
Executives:
Antala Staška 2027/79, 140 00 Praha 4-Krč
[email protected]
www.deutsche-leasing.cz
267 228 111
267 228 222
Uta Reichel, Radan Havelka
D.S. Leasing, a.s.
E-mail:
Web:
Tel.:
Fax:
Member of the Board:
Proxy:
Londýnské náměstí 2,
Brno Business Park, 639 00 Brno
[email protected], [email protected]
www.dsleasing.cz
542 135 111
542 135 206
Ing. Bronislav Havel
Ing. Radomír Přidal,
JUDr. Ing. Lenka Záthurecká, Ph.D.
1ECO001_PanoRollup_850x2105.ai 1 07/03/11 11:52
ECONOCOM Czech Republic, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Anděl Park, Radlická 14/3201, 150 00 Praha 5
[email protected]
www.econocom.com
225 100 300
225 100 301
Philippe Olivier Segui,
Bruno Raymond Léon Lemaistre
Czech Leasing and Finance Association
Erste Group Immorent ČR s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Budějovická 1518/13a, 140 00 Praha 4
[email protected]
www.immorent.cz
225 574 111
225 574 999
Ing. Tomáš Velemínský, Ing. Jiří Drbohlav
Erste Leasing, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairlady of the Board
and General Manager:
Vice-Chairman of the Board:
Proxy:
Horní náměstí 264/18, 669 02 Znojmo
[email protected]
www.ersteleasing.cz
515 200 511
515 200 512
Radmila Jakubová
Karel Machytka
Ing. Jan Balík, Ing. Aleš Cejpek
ESSOX s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executive:
Proxy:
Senovážné nám. 7/231, 370 21 České Budějovice
[email protected]
www.essox.cz
389 010 111
389 010 270
Renaud Stern
Ing. Luděk Čermák, MBA, Ing. Mária Kováčiková
Factoring České spořitelny, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairlady of the Board
and General Manager:
Vice-Chairman of the Board:
Budějovická 1518/13B, 140 00 Praha 4
[email protected]
www.erstefactoring.cz
956 770 711
224 641 614
Radmila Jakubová
Ing. Karel Machytka
Factoring KB, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board and Manager:
nám. Junkových 2772/1, 155 00 Praha 5
[email protected]
www.factoringkb.cz
955 526 904
224 814 628
Ing. Miloslav Kukla
FCE Credit, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executive:
Karolinská 654/2, 186 00 Praha 8
[email protected], [email protected]
www.fordcredit.cz, www.fordleasing.cz
234 650 111, info: 800 555 109
234 650 345, 398
Ing. Vladan Rojíček
| 20 |
Annual Report 2013
GE Money Auto, s.r.o.
Web:
Tel.:
Fax:
Executives:
Vyskočilova 1422/1a, 140 28 Praha 4
www.gemoneyauto.cz
224 446 262, 800 103 050
224 446 023, 224 446 123
Sean Morrissey, Carl Normann Vökt
GRENKELEASING s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executive:
Lomnického 1705/5, 140 00 Praha 4
[email protected]
www.grenke.cz
221 501 711
221 501 717
Ing. Martin Musil
Home Credit a.s.
| 21 |
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Members of the Board:
Moravské náměstí 249/8, 602 00 Brno
[email protected]
www.homecredit.cz
541 598 111
541 211 893
Mgr. David Bystrzycki
Ing. Luděk Jírů, Ing. Zdeněk Šperka
IKB Leasing ČR s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Jankovcova 1603/47a, 170 00 Praha 7
[email protected]
www.ikb-leasing.cz, www.ikb-leasing.de,
www.ikb.de
222 929 400
222 929 490
Dr. Rolf Michael Roth, Peter Hartmann,
Tomáš Josefovič
IMPULS-Leasing-AUSTRIA s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Proxy:
Dlouhá 29, 110 00 Praha 1
[email protected]
www.ilaustria.cz, www.impuls-leasing-austria.cz
224 819 081
224 819 088
Ing. Ivan Kadečka, Ing. Tomáš Trpák
Ing. Karel Řezníček, Ing. Lenka Turečková
KPMG Česká republika, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Pobřežní 648/1a, 186 00 Praha 8
[email protected]
www.kpmg.cz
222 123 111, 234 112 111
222 123 100, 234 112 100
Ing. Jan Žůrek, Petr Bučík
Czech Leasing and Finance Association
LeasePlan Česká republika, s.r.o.
E-mail:
Web:
Tel.:
Fax:
General Manager:
Bucharova 1423/6, Building B,
Office Park Nové Butovice, 158 00 Praha 13
[email protected]
www.leaseplan.cz
222 829 210-211
222 829 391
Ing. Jaromír Hájek
LEASETREND s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executive:
České mládeže 1101, 463 12 Liberec
[email protected]
www.leasetrend.cz
482 429 815
482 429 813
Karel Volavka
Mercedes-Benz Financial Services Česká republika s.r.o.
Daimlerova 2, 149 45 Praha 4
E-mail:
[email protected]
Web:
www.mercedes-benz.cz
Tel.:
271 077 666
Fax:
271 077 609
Manager, Executive:
Dr. Ralf Ewald
Financial Manager, Proxy:
Dr. Florian Peterl
Operational Manager, Proxy:
Tomáš Hanzel
Oberbank Leasing spol. s r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Nám. I. P. Pavlova 1789/5, 120 00 Praha 2
[email protected]
www.oberbankleasing.cz
224 190 160
224 190 170
Ing. Luděk Knypl, Ing. Robert Černický
PricewaterhouseCoopers Česká republika, s.r.o.
City Green Court, Hvězdova 1734/2c, 140 00 Praha 4
E-mail.:
[email protected],
[email protected]
Web:
www.pwc.com/cz
Tel.:
251 151 111
Fax:
251 156 111
Executive:
Jiří Moser
Provident Financial s.r.o.
E-mail:
Web:
Tel.:
Fax:
General Manager:
Executives:
Olbrachtova 9/2006, 140 00 Praha 4
[email protected]
www.providentfinancial.cz
241 029 111
241 029 295
Russell Johnsen
Tomáš Kolek, Aleš Janků, Russell Johnsen
| 22 |
Annual Report 2013
PSA FINANCE ČESKÁ REPUBLIKA, s.r.o.
Hvězdova 1716/2b, 140 78 Praha 4
E-mail:
[email protected]
Tel.:
224 835 451
222 327 269
Fax:
Executive:
Bertrand Rigaud
Raiffeisen-Leasing, s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Hvězdova 1716/2b, 140 78 Praha 4
[email protected]
www.rl.cz, www.rlre.cz
221 511 611
221 511 666
Mag. Alois Lanegger, Ing. Jiří Kruncl
RT TORAX, s.r.o.
| 23 |
E-mail:
Web:
Tel.:
Fax:
Executives:
Rudná 100/2378, 700 30 Ostrava-Zábřeh
[email protected]
www.rt-torax.cz
595 781 133-136
596 781 419
Tomáš Häring, Radek Šnita
s Autoleasing, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Vice-Chairman of the Board:
Member of the Board:
Budějovická 1518/13B, 140 00 Praha 4
[email protected]
www.sautoleasing.cz
956 785 111
224 646 111
Wilfried Reinhard Elbs
Ing. Tomáš Veverka
Martin Klapka
SCANIA FINANCE Czech Republic, spol. s r.o.
Chrášťany 186, 252 19 Rudná u Prahy
E-mail:
[email protected]
Web:
www.scania.cz
Tel.:
251 095 127, 179, 189
Fax:
257 950 731
Financial Director:
Michel van Riet
SG Equipment Finance Czech Republic s.r.o.
nám. Junkových 2772/1, 155 00 Praha 5
E-mail:
[email protected]
Web:
www.sgef.cz
Tel.:
955 526 700
Fax:
955 526 790
Manager:
Reinhold Knödl
Czech Leasing and Finance Association
ŠkoFIN s.r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Pekařská 6, 155 00 Praha 5
[email protected]
www.skofin.cz
224 992 410
224 992 307
Ing. Jiřina Tapšíková, MBA, Joachim Ewald
Toyota Financial Services Czech s.r.o.
Bavorská 2662/1, 155 00 Praha 5-Stodůlky
E-mail:
[email protected]
Web:
www.toyotafinance.cz
Tel.:
222 998 300
Fax:
222 998 390
Executive:
Ing. Aleš Kamarýt
TRANSFINANCE a.s.
E-mail:
Web:
Tel.:
Fax:
Chairlady of the Board:
Křižíkova 237/36a, 186 00 Praha 8
[email protected]
www.transfinance.cz
225 982 511
225 982 561
JUDr. Ing. Jana Němečková
UniCredit Leasing CZ, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Vice-Chairman of the Board:
Members of the Board:
Budova Filadelfie, Želetavská 1525/1,
140 10 Praha 4-Michle
[email protected]
www.unicreditleasing.cz
844 113 355
844 113 399
Ing. Jiří Matula
Ing. Jaroslav Jaroměřský
Ing. Lukáš Musílek, Angeline Koch, Ing. Dušan Keketi
UNILEASING, a.s.
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
Randova 214, 339 01 Klatovy I
[email protected]
www.unileasing.cz
376 357 111
376 357 129
Ing. Pavel Ovsík
VB Leasing CZ, spol. s r.o.
E-mail:
Web:
Tel.:
Fax:
Executives:
Heršpická 813/5, 639 00 Brno
[email protected]
www.vbleasing.cz
543 550 111
543 550 150
Ing. Radek Fučík, Ing. Ladislav Jagoš
| 24 |
Annual Report 2013
VB Real Estate Services Czechia s.r.o.
Pobřežní 394/12, 186 00 Praha 8
E-mail:
[email protected]
Web:
www.vb-real-estate.cz
221 890 170
Tel.:
Fax:
224 210 888
Executives:
Ing. Dalibor Slavík, Mag. Karl Bernreiter, MMag. Florian Schumi
VFS Financial Services Czech Republic s.r.o.
Obchodní 109, Čestlice, 251 01 Říčany u Prahy
E-mail:
[email protected], [email protected]
Web:
www.vfsco.com
Tel.:
271 021 704
Fax:
272 680 044
Executives:
Thomas MacDonald, Anita Olszewska, Martin Piško
Manager:
Roman Folk
VLTAVÍN leas, a.s.
| 25 |
E-mail:
Web:
Tel.:
Fax:
Chairman of the Board:
M. Horákové 121, 160 00 Praha 6
[email protected]
www.vltavinleas.cz
233 114 411
233 114 110
Ing. Aleš Michl
Czech Leasing and Finance Association
Annual Report 2013
Annual Report 2013
Czech Leasing and Finance Association
Těšnov 1163/5, CZ – 110 00 Praha 1-Nové Město
www.clfa.cz
Czech Leasing and Finance Association
| 28
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Annual Report 2013