Dear Investors,

We are pleased to share with you positive outlook to the potential of small-ticket automotive leasing in Russia. Our 21-year history and achievements in this segment may serve as the best grounding for this view.

Being reach of figures and carefully collected market data, our Investor presentation also tries to communicate our team (of 2,204 employees) approach to automotive leasing. At Europlan, we strive to make cars easily available to Russian businesses and businessmen.

Sincerely yours,
Alexander Mikhaylov
Chief executive officer, Europlan

About Europlan

Fitch Ratings

Long-term foreign currency IDR

BB

Outlook Stable

Fitch Ratings

Long-term local currency IDR

BB

Outlook Stable

Fitch Ratings

Short-term foreign currency IDR

B

Outlook Stable

Fitch Ratings

Senior unsecured rating

BB

Outlook Stable

ACRA

Credit rating

A+

Outlook Stable

Europlan is no.1 independent automotive leasing company in Russia. The company leases passenger cars, commercial vehicles and smaller construction equipment to legal entities and private individuals. Europlan serves customers throughout the Russian Federation via own distribution network of 79 offices.

The ratings of Europlan, assigned by Fitch Ratings and ACRA (Analytical Credit Rating Agency), reflect:

  • strong business performance,
  • high liquidity ratios,
  • effective collection and repossession processes,
  • high quality of leasing portfolio,
  • low debt-to-equity ratio,
  • and diversified funding.

JSC “LC “Europlan” is 100% owned by PJSC «SAFMAR Financial investments».

JSC “LC “Europlan” Key Figures

21 years

of experience in Russian
leasing

407 k

of leasing agreements
signed

₽ 162 bn
€ 3,040 m
$ 3,828 m

funding raised and paid
in due time

₽ 17.1 bn
€ 189 m
$ 232 m

equity

₽ 14.3 bn
€ 199 m
$ 227 m

or 84% of net profit were distributed to the shareholder since 2017*

*In 2017, ₽ 7 bn of equity remained in the parent company (PJSC “SAFMAR Financial investments”) as a result of the spin-off of JSC “LC “Europlan”. For 2018-2020 ₽ 7.3 bn of dividends has been paid.

Financial Figures

₽ 89,7 bn
€ 990 m
$ 1,215 m
2020
Net Investment in Leases, NIL
38,9 %
2020
Return on Equity, RoAE
6,8 %
2020
Return on Assets, RoAA
₽ 13 bn
€ 158 m
$ 181 m
2020
Operating Income
17,3 %
2020
Equity to Assets ratio
5Y (2016-2020) CAGR = 34%
10Y (2011-2020) CAGR = 21%
5Y (2016-2020) CAGR = 28%
10Y (2011-2020) CAGR = 10%
5Y (2016-2020) CAGR = 23%
10Y (2011-2020) CAGR = 11%
5Y (2016-2020) CAGR = 18%
10Y (2011-2020) CAGR = 9%
5Y (2016-2020) CAGR = 18%
10Y (2011-2020) CAGR = 6%
5Y (2016-2020) CAGR = 17%
10Y (2011-2020) CAGR = 9%
Tier 1 capital adequacy ratio reached 17.7% (as of 31.12.2020).
The ratio is calculated according to Basel II.
The indicators have been calculated based on Europlan Group‘s consolidated financial statements (IFRS), audited in respective years by one of ‘big-4’ global audit firms (PWC, or KPMG, or EY).

2018-2020 — calculated based on the consolidated financial statements (IFRS) of JSC “LC “Europlan”, audited by the independent auditor LLC “Ernst & Young”.

2017 — calculated for the leasing segment and LLC “IC Europlan” (for 5M 2017, disposal from consolidation perimeter in June 2017) based on the carve-out consolidated financial statements (IFRS) of JSC “LC “Europlan”, audited by the independent auditor LLC “Ernst & Young”. As a result of the spin-off, around RUB 7 bn of equity remained in the parent company.

2016 — calculated for the leasing segment and LLC “IC Europlan” based on the consolidated financial statements (IFRS) of PJSC “Europlan”, audited by the independent auditor LLC “Ernst & Young”.

2014 and 2015 — calculated based on the consolidated financial statements (IFRS) of PJSC “Europlan” for 2015, net of financial result from the Group’s discontinued operations (JSC “Europlan Bank”). The financial statements were audited by the independent auditor LLC “Ernst & Young”.

2013 — calculated based on the combined financial statements (IFRS) of CJSC “Europlan” and entities under common control (currently subsidiaries of JSC “LC “Europlan”).

2004-2012 — calculated based on the consolidated financial statements (IFRS) of Europlan Holdings Limited, audited by the independent auditors PricewaterhouseCoopers and KPMG.

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Products and Services

Leasing programmes
Learn more
Automotive services
Learn more

News

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Quarterly

Our Contacts

5 Koroviy Val str,
Moscow, 119049, Russian Federation
Europlan discloses information on the web-site of media-agency Interfax-CRKI Ltd, authorized by the Central Bank. © 2021. All right reserved. JSC “LC “Europlan”
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