revue de presse mensuelle

REVUE DE PRESSE MENSUELLE
Mars 2011
VOL 17 N° 210 – Mars 2010
Volume growth for Crédit Agricole - p.6
French banking group Crédit Agricole reported record business in both lease finance and factoring last year.
New leasing business grew by 6.8%M to €6.6 billion in 2010
Lease finance outstandings rose to €19 billion (+7.4%)
International operations account 39% of the overall factoring business (+4% in 2009)
Factory turnover jumped to €57.8 billion from €44.6 billion (2009)
CA restructured its leasing and factoring business last year, merging CA Leasing and Factoring (CAL & F)
CAL&F gross operating income grew 18.4% to €233 million
SG Equipment Finance (SGEF) saw growth turn positive in mid-2010 – p.7
SGEF is part of the specialized financial services and insurance division, including consumer finance, operational
vehicle leasing, IT leasing… SGEF reported a return to growth mid-way through 2010 for SGEF which has since
experienced a sustained upward trend in new business volumes.
Total new business grew about 2.3%, €9.33 billion in 2010 (€9.12 billion in 2009)
Recording growth for Spain (66%) thanks to high-tech market and UK, Poland (21%)
SGEF made a good level of net banking income. Stronger margin compensated for cost of risk during 2010.
Country Profile: Gemrany – p. 21- 25
Replacement buoy German leasing - p.21
Leasing could grow by 10% in the country during 2011. German leasing has emerged from the crisis as one of the
strongest markets in Europe (+4%).
In the same time even in the strongest of economics, leasing has taken its knocks:
In equipment leasing, new business fell 4% in the first 6 months of 2010 but during the second half, it
rebounds to bring growth for the whole year to 2.5% and reached back 4% again (backdrop of business
investment in hard assets of 6.4 percent).
Leasing fell by 3 basis points (from 14.6% in 2009 to 14.3% in 2010)
On average, 60% of small companies use leasing with a large part of leased equipment
Total new leasing business was €43.6 billion in 2010 (€41.9 billion in 2009); Equipment and vehicle leasing
represented €41 billion : vehicles (64% ; grew +2.6%) ; equipment (30% ; grew +2.3%) ; real estate (6% ; grew
+35.6%)
No downswing in the first quarter of 2011 as expected, which influences full-year forecasts and estimation
shows that the growth could reach 10%
Smaller operators under pressure - p.22
Around 1000 leasing companies registered at BaFin (the financial sector supervisor), are expected to reduce
considerably. Possibility that smaller companies disappear if they do not take a specialist approach.
BNP Paribas’ acquisition of the Fortis business across Europe has given new cards to BNP Paribas Leasing
Solution’s in Germany.
Competition is very strong, not only among leasing companies, but also between the leasing product and the
likes of Sparkassen and Volskbanken with their credit product.
Mars 2011 – Revue de Presse interne mensuelle – Service Marketing communication, [email protected]
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The independent: Grenkeleasing (small ticket IT leasing) - p.25
Sustained growth during 2010 for Grenkeleasing : 13% increase of net profit to €27.8 million (2010)
New business grew by 39% to €639 million (due to a rise in the number of dealers it works with)
The strongest performances were in France, Italy and UK (where new business volumes trebled), stable in
Germany (less spectacular)
Loan losses hit a peak in the beginning of 2010 and then trended downwards at the end of the year.
Subsidiaries opened in Turkey and Brazil in 2010, and are expected to be growth drivers Staff numbers
increased from 507 to 538 (2010), reflecting the expansion into new markets
Google s’apprête à tester le paiement sans contact (16 Mars 11)
Selon Bloomberg, Google testerait prochainement les technologies de paiement sans contact (NFC) dans des
magasins de New York, San Francisco, Los Angeles, Chicago et Washington, D.C. Ces technologies permettraient en
effet aux clients des magasins de payer avec leur téléphone mobile grâce à une puce intégrée. VeriFone Systems Inc.
fabriquant de terminaux de paiement, et ViVOtech, fournisseur de technologies de paiement mobile, participeraient
à ce projet.
Grâce à cette technologie NFC, le service mis en place par Google permettrait les paiements standards ainsi que la
prise en compte d’informations financières du consommateur, des cartes-cadeaux, cartes de fidélité et bons.
Une puce NFC intègre déjà le Nexus S de Google. Nokia et Research In Motion ont annoncé leurs recherches sur la
conception de terminaux intégrant cette technologie. S’il projette de se lancer sur le marché du paiement via mobile,
Google aura pour principaux concurrents les services de paiement en ligne PayPal d’eBay ainsi qu’ISIS, Verizon
Wireless, AT&T et T-Mobile.
http://www.itrnews.com/articles/116508/google-apprete-tester-paiement-contact.html?key=042a094b8be0af82
Seniors : les e-consommateurs de demain (11 mars 11)
Les jeunes ne sont pas les seuls à surfer sur la Grande Toile. Kelkoo dénombre 11 millions d’internautes de plus de
50 ans et 9,2 millions de cyber-acheteurs (soit 34% de l’hexagone ; 27,3 millions). Ils réalisent ainsi 48% des dépenses
françaises annuelles totales sur le web (15 milliards d’euros). Leurs achats internet s’avèrent 36% supérieure à la
moyenne nationale et concernent voyages, produits culturels (68%), articles high-tech (52%), et vêtements (50%)…
Hors alimentation, 39% des dépenses du budget de consommation courante des seniors se font en ligne (1644
euros), soit plus de la moitié de la moyenne française des cyber-achats estimée à 1208 euros par an.
Economies et gains de temps (livraison à domicile) sont leurs principales motivations.
Par contre alliant pratique et prudence, ils privilégient marques et magasins connus en prenant le temps de
considérer les avis des autres internautes...
Consommateurs à part entière, les seniors obligent par conséquent les e-commerçants à adapter leurs offres de
produits et services : leur nombre évolue sans cesse et ce sont de gros consommateurs (50% du marché global pour
2015). Les seniors disposent de moyens matériels et technologiques (61% ont un ordinateur contre une estimation
de 76% pour l’ensemble des français).
http://www.itrnews.com/articles/116268/seniors-consommateurs-demain.html?key=042a094b8be0af82
Siemens steps up green finance (09/03/2011)
Siemens Financial Services has agreed to partner with the UK's Carbon Trust to provide at least £550 million of finance for green
equipment to UK small business over three years. No preferred suppliers have been chosen and the programme has no link to
Siemens products as such.
Mars 2011 – Revue de Presse interne mensuelle – Service Marketing communication, [email protected]
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