Dear Investors,

We are pleased to share with you positive outlook to the potential of small-ticket automotive leasing in Russia. Our 22-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 2,324 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

ACRA

Credit rating

A+

Outlook Stable

Fitch Ratings

Long-term foreign currency IDR

BB

Outlook Positive

until 10.09.2021

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 83 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.

PJSC “LC “Europlan” is 100% owned by SFI.

Information Notice

The new sanctions introduced by the European Union (EU), Great Britain and Switzerland against certain legal entities and individuals do not affect PJSC “LC “Europlan”.

The restrictions imposed by the EU, Great Britain and Switzerland apply exclusively to companies controlled by individuals named on sanctions lists or companies in which such individuals hold more than 50% of the charter capital. Since spin-off in 2017, Europlan is 100% owned by SFI. Mr. Said Gutseriev, through companies owned by him, is the controlling party and largest minority shareholder of SFI, which is properly disclosed in the company’s IFRS consolidated financial statements. Thus, for several years before through present and as June 30, 2021, the ultimate controlling party is Mr. Said Mikhailovich Gutseriev with share 72.33%. Mr. Said Gutseriev has never ever been and is not in any sanctions lists therefore imposed sanctions do not affect PJSC «LC «Europlan», and its activities and relationships with customers and partners.

SFI has received an independent legal opinion confirming that neither the holding nor its subsidiaries are subject to the restrictions imposed by the above-mentioned EU, the United Kingdom, and Switzerland sanctions.

PJSC “LC “Europlan” Key Figures

22 years

of experience in Russian
leasing

441 k

of leasing agreements
signed

₽ 174.9 bn
€ 3,183.8 m
$ 4,001.4 m

funding raised and paid
in due time

₽ 20.1 bn
€ 233 m
$ 277.6 m

equity

₽ 7.3 bn
€ 92 m
$ 106 m

dividends has been paid for 2018-2021

Financial Figures

₽ 112.8 bn
€ 1,308.8 m
$ 1,558.9 m
6M 2021
Net Investment in Leases, NIL
40.8 %
6M 2021
Return on Equity, RoAE
7.0 %
6M 2021
Return on Assets, RoAA
₽ 7.7 bn
€ 86.3 m
$ 104 m
6M 2021
Operating Income
19.0 %
6M 2021
Tier 1 capital adequacy ratio.
The ratio is calculated according to Basel III
2Y (2018-2020) CAGR = 26%
2Y (2018-2020) CAGR = 17%
2Y (2018-2020) CAGR = 16%
2Y (2018-2020) CAGR = 23%
2Y (2018-2020) CAGR = 16%
2Y (2018-2020) CAGR = 16%

6M 2021 — calculated based on the condensed interim consolidated financial statements (IFRS) of PJSC “LC “Europlan”, audited by the independent auditor LLC “Ernst & Young”.

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

Products and Services

Leasing programmes
Learn more
Automotive services
Learn more

News

Europlan New Chairman of Board of Directors and Committees Elected

More

Annual

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. PJSC “LC “Europlan”
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  • Более 68 000
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