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Transcript of 1 BANKING SECTOR AND LEASING MARKET BUSINESS AND STATE REGULATION Kyiv, Ukraine Kyiv, Ukraine...
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BANKING SECTOR AND LEASING MARKETBUSINESS AND STATE REGULATION
Kyiv, Ukraine February 21, 2006
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INTRODUCTIONRANDAL PETERSENSENIOR MANAGER FINANCIAL MARKETSIFC MOSCOW, RUSSIA
EUROPE AND CENTRAL ASIABANKINGLEASINGMICRO FINANCERURAL FINANCE
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GAP
BANKS SME LENDING
10-20%
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LEASING AS AN ALTERNATIVE SOLUTION
BANKS SME
10-20%
MFI POOR
10-20%
LEASING60-80% businesses 90% job creation
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INSTITUTIONAL STRATEGIESINSTITUTIONAL STRATEGIESDOWN SCALE BANKINGUP SCALE MICRO FINANCE GRADUATESINTEGRATION OF MICRO AND SMEPARTISIPATION MODELBANK LINKAGES MODEL
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WHAT IS LEASINGCONTRACT BETWEEN TWO PARTIESONE PARTY PROVIDES ASSETUSAGE TO ANOTHER PARTYSPECIFIC LENGTH OF TIMENUMBER OF PAYMENTSRATE OF INTERESTPARTY 1 MAINTAINS OWNERSHIP TILL PAIDFINANCING OF FIXED ASSETSEND OF PERIOD MAY OR MAYNOT PURCHASE ASSET
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ADVANTAGES OF LEASINGIMPROVES ACCESS TO FINANCEASSET PURCHASED IS COLLATERALCOST MAY BE LOWER VERSUS EXISTING CREDITTAX ADVANTAGESDEPRECIATION BENEFITSBETTER ACCESS TO EQUIPMENT AND OTHER ASSETSINCREASED FINANCING SOURCESINVESTMENT IN EQUIPMENT THAT CAN MODERNIZE PRODUCTION AND IMPROVEPRODUCTIVITY AND PROFITABILITYREDUCES MAINTENANCE COSTS NEWREDUCED UPFRONT COSTS FREES CAPITALABILITY TO PLANENABLES COMPANY TO MATCH INCOME/EXPENSESCAN BE TAILOR MADE TO SUITS COMPANY NEGOTIABILITY
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IFC LEASE PROGRAMCREATE APPROPRIATE LEGAL AND TAX FRAMEWORK BUILD CAPACITY OF LEASE COMPANIES
INCREASE PUBLIC AWARENESS OF LEASING CAMPAIGN
CREATE OPPORTUNIES FOR DOMESTIC AND FOREIGNINVESTMENT IN LEASING
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IFC EXPERIENCE31 YEARS OF EXPERIENCE IN DEVELOPING MARKETS
COMBINES TECHNICAL ASSISTANCE WITH INVESTMENT
PROGRAMS BY IFC MOSCOW
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Number of companiesTotal Outstanding Portfolio, USDMarket volume for the last 3 years: $35 mlnALDP and Azerbaijan leasing marketIFC COUTRY SUCCESS
Chart1
1
2
3
4
9
18
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
Sheet1
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart6
907000
2086026
4529867
7222466
11725109
17440861
24459374
17440,861
AZ
2004 -c il aprel aynn 1-n olan hesabat
Lizinq irktlri haqqnda mumildirilmi mlumat
irktin AdLizinq mliyyatlarnn hcmiHesabat dvrn olan lizinq portfelin hcmiLizinq mqavillrinin sayMinimum avans dniiLizinq mliyyatlarnn dyri (min-max)Mddt (ay)Faiz drcsiArtm (tn kvartal il mqaisdGayd faiziPortfelin eidliyiMaliyy manbyi
Azrilizinq30%$20,000 - $50,00024-3618-20%41%100%Yeyinti snaysi, tikinti, yngl snayBank krediti/kapital
L Azrlizinq15-50%$200-$50,00012--6020%36%95%Knd tsrffat, tikinti, nqliyyat, yeyinti snaysiBank krediti/kapital
Gunay Lizinq50%24--6025%100%Avadanlq, nqliyyat vasitlri, danmaz mlakBank krediti
Cmi4,539,5572,536,5008319%
qtisadiyyatn sektorlar zr
AdAB dollarFaiz
Yeyinti snaysi440,00017%
Tikinti572,00023%
Danmaz mlak100,0004%
Yngl snay297,50012%
Maliyy sektoru13,0001%
Shiyy64,0003%
Knd tsrrfat211,0008%
Digr390,08515%
Cmi2,087,58582%
Cons. Leasing Portfolio Sept 03
As of September 2003
Portfolio of Leasing Companies$800,000
CompanyCapitalPortfolio in $ valuePortfolio in # of agreementsInterest rateLease amountDiversification
Azerilizing$800,000$700,0001118-20%$55,000Banks, construction, Health
Gunay Leasing$100,0001225%$4,000 -$20,000Real Estate/Equipment/Vehices
AZERLIZING$107,0001513-25%$500 - $50,000Agro/Construction/Transport
Total$907,00020.2
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05
$700,00011
$100,00012
$107,00015
$907,00038
Cons. Leasing Portfolio Dec 03
UpdatedAs of December 2003
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Interest rateDiversification
Azerilizing1,322,650922,0001130%18-20%Banks, construction, healthcare
SLC AZERLIZING2,040,816508,1305020-25-50%13-25%Agriculture, construction, transport
Gunay Leasing150,000100,000350%25%Real estate, equipment, vehicles
Total3,513,4661,530,13064
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing313,00020%
Construction286,00019%
Mortgage100,0007%
Light Industry207,00014%
Financial sector55,0004%
Health46,0003%
Agriculture38,0002%
Other (including vehicles)129,0008%
Total1,174,00077%
qtisadiyyatn sektorlar zr
AdAB dollarFaiz
Yeyinti snaysi313,00027%
Tikinti286,00024%
Danmaz mlak100,0009%
Yngl snay207,00018%
Maliyy sektoru55,0005%
Shiyy46,0004%
Knd tsrrfat38,0003%
Digr129,00011%
Cmi1,174,000100%
Cons. Leas. Port. Jan 1.2004
UpdatedAs of January 01 2004
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing1,854,5451,296,5281930%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING2,215,447691,0575215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
Total4,219,9922,087,5857419
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00021%
Construction572,00027%
Mortgage100,0005%
Light Industry297,50014%
Financial sector13,0001%
Health64,0003%
Agriculture211,00010%
Other (including vehicles)390,08519%
Total2,087,585100%
Cons. Leas. Mar 1.04
UpdatedAs of January 01 2004
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing1,874,1101,294,9692530%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING2,215,447691,0575215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
Total4,239,5572,086,0268019
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00021%
Construction572,00027%
Mortgage100,0005%
Light Industry297,50014%
Financial sector13,0001%
Health64,0003%
Agriculture211,00010%
Other (including vehicles)390,08519%
Total2,087,585100%
Cons. Leas. April 1.04
UpdatedAs of April 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing800,0002,174,1101,745,0002830%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING0.02,215,447691,5005215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing0.0150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
AG Leasing600,000
Uni Leasing200,000
Total4,539,5572,536,5008319
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00017%
Construction572,00023%
Mortgage100,0004%
Light Industry297,50012%
Financial sector13,0001%
Health64,0003%
Agriculture211,0008%
Other (including vehicles)839,00033%
Total2,536,500100%
Cons. Leas. June 1.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$2,174,110$1,745,0002830%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING0.0$2,228,447$704,0005215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing0.0$150,000$100,000350%24-60 months25%?100%Real estate, equipment, vehicles
AG Leasing$600,000
Uni Leasing$200,000
Ataleasing$510,000
Total$2,110,000$4,552,557$2,549,0008319
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Bank of Baku
Respublika Bank
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00017%
Construction572,00022%
Mortgage100,0004%
Light Industry297,50012%
Financial sector13,0001%
Health64,0003%
Agriculture211,0008%
Other (including vehicles)839,00033%
Total2,536,500100%
Cons. Leas. July 1.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$3,500,000$2,504,4654230%$20,000 - $50,00024-36 months18-20%$759,465100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,000$2,228,447$704,0003815-50%$200-$50,00012-60 months20%0.095%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,000550%24-60 months25%?100%Real estate, equipment, vehicles
Uni Leasing$200,000
AG Leasing$600,000
Ataleasing$510,000
Total$2,430,000$5,878,447$3,308,4658519
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Cred Agro
Bank of Baku
Respublika Bank
Azerdemiryolbank
BP - Ent. Fund
Amrah Bank
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing325,58010%
Construction1,476,70346%
Light Industry456,22514%
Health75,1342%
Agriculture140,8004%
Other (including vehicles)734,02223%
Total3,208,465100%
$2,504,465$704,000
ItemAzerileasingPercentageSLC AzerleasingPercentageTotalAverage %
Food Processing325,58013%325,580.4510%
Construction1,202,14348%274,56039%1,476,703.2046%
Mortgage0.0
Light Industry350,62514%105,60015%456,225.1014%
Financial sector0.00.0
Health75,1343%0.075,133.952%
Agriculture140,80020%140,800.004%
Other (including vehicles)550,98222%183,04026%734,022.3023%
Total2,504,465$704,0003,208,465.00
Cons. Leas. Sept 01.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Jul-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$4,600,000$3,700,0006230%Min $20,00024-36 months16-19%$1,195,535100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,000$2,240,447$729,8672215-50%$200-$50,00012-60 months20%$25,86795%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,000550%24-60 months25%100%Real estate, equipment, vehicles
Uni Leasing$200,000$126,720$126,720120%min $500018-48 months20%100%Auto leasingCapital
AG Leasing$600,000
Ataleasing$510,000
Mugan Leasing$5,000
Total$2,435,000$6,990,447$4,529,8679019
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Cred Agro
Bank of BakuSeptember'04February'05
Respublika Bank90132
Azerdemiryolbank
BP - Ent. Fund
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing325,58010%
Construction1,476,70346%
Light Industry456,22514%
Health75,1342%
Agriculture140,8004%
Other (including vehicles)734,02223%
Total3,208,465100%
$2,504,465$704,000
ItemAzerileasingPercentageSLC AzerleasingPercentageTotalAverage %
Food Processing325,58013%325,580.4510%
Construction1,202,14348%274,56039%1,476,703.2046%
Mortgage0.0
Light Industry350,62514%105,60015%456,225.1014%
Financial sector0.00.0
Health75,1343%0.075,133.952%
Agriculture140,80020%140,800.004%
Other (including vehicles)550,98222%183,04026%734,022.3023%
Total2,504,465$704,0003,208,465.00
Cons. Leas. Sept 01.04
90
132
Number of Leases
Cons. Leas. Nov 01.04
UpdatedAs of November 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rateDiversificationSource of financing
Azerilizing$800,000$4,800,000$4,100,0006730%Min $20,00024-3616-19%$400,000100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,053$2,265,447$755,1022215-50%$1,000-$60,00012-60 mo20%$25,23595%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,0001050%$10,000-$60,00024-60 mo25%0.0100%Real estate, equipment, vehicles
Uni Leasing$200,000$585,130$585,130920%$14,000 - $200,00018-48 mo20%$458,410100%Auto leasingCapital
AG Leasing$600,0000.0
Ataleasing$510,000$404,000$404,0002Min $ 10,000$404,000100%Construction
Mugan Leasing$5,000
Total$2,435,053$8,204,577$5,944,23211019$1,287,645
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing451,000.008%
Construction2,895,744.7849%
Mortgage70,000.001%
Light Industry0.00%
Service/Holesale/IT553,388.109%
Health82,000.001%
Agriculture151,020.403%
Vehicles1,328,462.4022%
Chemical industry246,000.004%
Heavy Industry27,000.000%
Other139,616.322%
Total5,944,232.000%
$4,100,000$755,102$585,130$404,000$100,000
ItemAzerileasingPercentageSLC AzerleasingPercentageUni LeasingPercentageAtaleasingPercentageGunay LeasingTotalAverage %
Food Processing451,00011%451,000.008%
Construction2,173,00053%294,49039%178,25530%250,00062%2,895,744.7849%
Real Estate0.00%0%70,00070%70,000.001%
Light Industry0.00%0.00%0%0%0.00%
Service/Holesale/IT123,0003%37,7555%265,63345%127,00031%553,388.109%
Health82,0002%0.00%0%82,000.001%
Agriculture151,02020%0%0%151,020.403%
Vehicles1,025,00025%151,02020%122,44221%0%30,00030%1,328,462.4022%
Chemical industry246,0006%0.00%0%246,000.004%
Heavy Industry27,0007%27,000.00
Other120,81616%18,8003%0%139,616.322%
Total4,100,000755,102585,130404,000100,0005,944,232
Cons. Leas. Jan 01.05
UpdatedAs of January 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rateDiversificationSource of financing
Azerilizing$800,000$6,500,000$4,870,00078$2,000,00030%Min $20,00012-48 mo16-19%$770,000100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,053$2,295,447$780,10071$1,000,00015-50%$1,000-$60,00012-60 mo20%$24,99895%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$95,0001240%$4,000-$50,00024-60 mo24%$(5,000)100%Real estate, equipment, vehicles
Uni Leasing$200,000$757,033$757,03314$6,500,00020%$14,000 - $200,00018-36 mo20%$171,903100%Auto leasingCapital
AG Leasing$600,000$8,100,0000.0
Ataleasing$510,000$720,333$720,3336$1,500,00020-30%Min $ 5,00012-60 mo$316,333100%Construction
Mugan Leasing$5,000
Total$2,435,053$10,422,813$7,222,466181$19,100,00019$1,278,234
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing773,638.9011%
Construction3,478,538.1948%
Mortgage75,000.001%
Service/Holesale/IT610,067.948%
Health97,400.001%
Agriculture171,622.002%
Vehicles1,678,191.9723%
Chemical industry194,800.003%
Other143,213.002%
Total7,222,472.00
$4,870,000$780,100$757,033$720,333$95,000
ItemAzerileasingPercentageSLC AzerleasingPercentageUni LeasingPercentageAtaleasingPercentageGunay LeasingTotalAverage %
Food Processing487,00010%70,5399%216,10030%773,638.9011%
Construction2,678,50055%312,04040%178,25524%309,74343%3,478,538.1948%
Real Estate0.00%0%75,00079%75,000.001%
Light Industry0.00%0.00%0%0%0.00%
Service/Holesale/IT97,4002%39,0055%344,00345%129,66018%610,067.948%
Health97,4002%0.00%0%97,400.001%
Agriculture171,62222%0%0%171,622.002%
Vehicles1,314,90027%156,02020%122,44216%64,8309%20,00021%1,678,191.9723%
Chemical industry194,8004%0.00%0%194,800.003%
Heavy Industry0.00%0.0
Other/Fin/Insurance101,41313%41,8006%0%143,213.002%
Total4,870,000780,100757,039720,33395,0007,222,472
Cons. Leas. Jan 01.05
000
000
000
000
000
000
000
000
000
Diversification by sectors of the economy
Apr01.05
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00074$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Debut Bank$4,316,630$162,100210$6,076,06530
Parex Leasing$50,000
Total$6,813,422$12,421,573$11,725,109213$17,248,00019$4,656,876
73000
20000
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqGunayleasingDebut BankTotal value%TOTAL %
COMMUNICATION2320023200
CONSTRUCTION110778144550005562781
AGRICULTURAL SERVICES178200178200Azerileasing
MINING810000178200
MANUFACTURING5887263485129100251457810000162000
FOOD PRODUCTION135422810000945422810000121500
CIVIL ENGINEERING2613193240005853198100000324000
Health16200016200081000002187000
RETAIL TRADE40500405008100000162000
WHOLESALE TRADE296319296319
SERVICES, TOURISM9757162000162000333757
TRANSPORT180359215365218700020000330002635724
FINANCE-INSURANCE11832620700139026
Chemical Industry324000324000
REAL ESTATE7300073000
OTHER69104121500190604
628633193137681000008262009300016210011741309
Rgurbatova:value of contract is not considered:disbursed in fact
Apr01.05
0
0
0
0
0
0
0
0
0
July05
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$750,000$12,167,119$11,571,45210220%Min $20,00012-48 mo16-17%$3,471,452100%6231Bank credit/capital$10,821,452
SLC AZERLIZING$220,143$940,000$780,0009620-25%$1,000-$60,00012-60 mo20-25%95%1096Bank credit/capital$559,857
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%93000.00100%
Ataleasing$531,123$999,700$856,31616$1,000,00025-30%Min $ 5,00012-60 mo22%$636,263100%$1,995.6962$325,193
Uni Leasing$212,314$3,702,503$2,811,43132$3,800,00020%min $1500018-36 mo19%100%159Capital$2,599,117
AG Leasing$630,000$155,0005000-100000$12-60mo20-24%
Mugan Leasing$5,000
Debut Bank$4,494,750$200 000$162,1002$300,00030%5000-150 0001-10year18-30%1030
Parex Leasing$50,000$1,166,562$1,166,5625$12,000$1,116,562
Texnika Leasing$10,600
Total$7,003,930$17,959,322$17,440,861265$5,267,00019$4,200,715
$2,498,580
SECTORAtaleasingUnileasingAzerileasingSLC AzerlizinqGunayleasingDebut BankParex LeasingTOTAL
ENERGY/COMMUNICATION29000117000Enerji/Kommunikasiya1460000.9%
CONSTRUCTION42089514438175734847312000naat791155978000047.4%
AGRICULTURAL SERVICES249600Knd Tsrrfat2496001.5%
MANUFACTURING15115670905137285406543stehsal7658894.6%
FOOD PRODUCTION75147110405492400Yeyinti Snayesi12716017.6%
HealthShiyy07800000.0%
RETAIL TRADE39000Praknd Ticart390000.2%
WHOLESALE TRADE479099Topdan ticart4790992.9%
SERVICES, TOURISM40233Xidmt, Turizm402330.2%
TRANSPORT1852303005804031000624002000062715Nqliyyat466192527.9%
FINANCE-INSURANCE127003228600667619Maliyy, Sorta10232226.1%
Chemical IndustryKimiya Snaysi00.0%
REAL ESTATE73000Danmaz mlak730000.4%
OTHER46448Digr464480.3%
TOTAL9996643702503976584778000093000200000116656216707576
July05
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sector of economy
September05
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Chart-september
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$750,000$15,886,77410220%Min $20,00012-48 mo16-17%$7,786,774100%6231Bank credit/capital$15,136,774
SLC AZERLIZING$220,143$1,150,0008620-25%$1,000-$60,00012-60 mo20-25%95%1096Bank credit/capital$929,857
Gunay Leasing$100,000$93,000640%$5000-$50,00012-60 mo24%93000.00100%
Ataleasing$531,123$952,09818$1,000,00025-30%Min $ 5,00012-60 mo22%$732,045100%$1,995.6962$420,975
Uni Leasing$700,000$3,721,71250$3,800,00020%min $1500018-36 mo19%100%159Capital$3,021,712
AG Leasing$630,000$152,304$155,0005000-100000$12-60mo20-24%$(477,696)
Mugan Leasing$5,000
Debut Bank$4,494,750$25,0002$300,00030%5000-150 0001-10year18-30%1030
Parex Leasing$50,000$2,519,590$2,478,48616$12,000$2,428,486
Texnika Leasing$10,600
Total$7,491,6160.0$24,459,374280$5,267,00019$8,611,819
$2,996,866
SECTORAtaleasingUnileasingAzerileasingSLC AzerlizinqGunayleasingDebut BankParex LeasingAG LeasingTOTAL
ENERGY/COMMUNICATION290005750Enerji/Kommunikasiya34750
CONSTRUCTION14438175734847naat7178664
AGRICULTURAL SERVICES25300Knd Tsrrfat25300
MANUFACTURING1931797090587752533140stehsal1174749
FOOD PRODUCTION118422110405485248Yeyinti Snayesi1307724
Health1234870Shiyy1234870
RETAIL TRADE138936Praknd Ticart138936
WHOLESALE TRADE479099Topdan ticart479099
SERVICES, TOURISM38387698534217500Xidmt, Turizm954421
TRANSPORT1545313005804031000287502000025000105000Nqliyyat4664861
FINANCE-INSURANCE10003922860014047821213990Maliyy, Sorta2947411
Chemical Industry401800Kimiya Snaysi401800
REAL ESTATE73000Danmaz mlak73000
Civil engeniering3475394370073600Mlki naat464839
OTHER464482240005115008099Digr2306052
TOTAL9520973702503158847741150009300025000247596213814023386476
Chart-september
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sector of economy
ChartsJuly
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Chart_aprel
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00084$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Total$2,446,792$12,421,573$11,563,009221$17,248,00019$4,656,876
73000
20000
Diversification by sectors of the economy
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqDebut BankGunayleasingTotal value%TOTAL %
Construction11077814455000Inaat7178664Construction7178664
Agricultural Services178200Knd Tsrrfat25300Agricultural Services25300
Manufacturing5887263485129100stehsal1174749Manufacturing1174749
Food production135422810000Yeyinti Snayesi1307724Food production1307724
Civil Engineering261319324000Mlki naat464839Civil Engineering464839
Health162000Shiyy1234870Health1234870
Transport18035921536521870003300020000Nqliyyat4664861Transport4664861
Fiinance-Insurance11832620700Maliyy, Sorta2947411Fiinance-Insurance2947411
Chemical Industry324000Diqr2336310Other2244006
Real Estate73000
OTHER2320069104162000
642076161185779380006642009300010949133
1284152322371415876000132840016210018600022060366
Inaat
Knd Tsrrfat
stehsal
Yeyinti Snayesi
Mlki naat
Shiyy
Topdan ticart
Xidmt, Turizm
Nqliyyat
Maliyy, Sorta
Kimiya Snaysi
Danmaz mlak
Diqr
Rgurbatova:value of contract is not considered:disbursed in fact
Chart_aprel
0
0
0
0
0
0
0
0
0
0
Sektor zr diversifikasiya
January
0
0
0
0
0
0
0
0
0
Diversification by the sectors of economy(as of October 1, 2005)
Portfolio
Portfolio
146000
7911559
249600
765889
1271601
0
39000
479099
40233
4661925
1023222
0
73000
46448
Diversification by sector of economy
foundation date
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00084$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Total$2,446,792$12,421,573$11,563,009221$17,248,00019$4,656,876
73000
20000
Diversification by sectors of the economy
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqDebut BankGunayleasingTotal value%TOTAL %
Construction11077814455000Inaat5562781
Agricultural Services178200Knd Tsrrfat178200Azerileasing
Manufacturing5887263485129100stehsal251457810000340200
Food production135422810000Yeyinti Snayesi94542281000040500
Civil Engineering261319324000Mlki naat5853198100000324000
Health162000Shiyy16200081000002187000
Wholesale trade296319Topdan ticart296319
Services,Tourism9757162000162000Xidmt, Turizm333757
Transport18035921536521870003300020000Nqliyyat2635724
Fiinance-Insurance11832620700Maliyy, Sorta139026
Chemical Industry324000Kimiya Snaysi324000
Real Estate73000Danmaz mlak73000
OTHER2320069104162000Diqr254304
651833190817681000008262009300011579209
1303666381635216200000165240016210018600023320518
Inaat
Knd Tsrrfat
stehsal
Yeyinti Snayesi
Mlki naat
Shiyy
Topdan ticart
Xidmt, Turizm
Nqliyyat
Maliyy, Sorta
Kimiya Snaysi
Danmaz mlak
Diqr
Rgurbatova:value of contract is not considered:disbursed in fact
foundation date
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sectors of economy(as of April 2005)
Statistics_Az
0
0
0
0
0
0
0
0
0
0
0
0
0
Sektor zr diversifikasiya
num_lease_outstanding
773638.9
3478538.19
75000
610067.94
97400
171622
1678191.97
194800
143213
`
Diversification by the sectors of the economy(as of January'05)
Capital
487000078010072033375703395000
Azerilizing
SLC AZERLIZING
Ataleasing
Uni Leasing
Gunay Leasing
AG Leasing
Mugan Leasing
Outstanding Leasing Portfolio(as of January 2005)
Azerilizing1999
SLC AZERLIZING
Gunay Leasing
Uni Leasing1993
AG Leasing
AtaleasingAmrah Bank
Mugan Leasing2000SLC AZERLIZING19931Bank of Baku / Ilk Bank
Azerilizing19992Bank Respublika
Jul-04Gunay Leasing20003Az Leasing / Rabita Bank/AzerdemiryolBank
Uni Leasing20044Parex leasing and Factoring
Aug-04AG Leasing2004Cred Agro
Ataleasing2004Enterprize Fund
Mugan Leasing2004CI Bank / CI Leasing
Jun-04Debut Bank200511Agrar Credit
Bank of Baku2005Agro Leasing
AZ Leasing2005Debut Bank
Jun-04Amrah Bank2005
Parex leasing and Factoring2005
CI Leasing2005
Agro Leasing200519931999199820002004
Agrar Credit200512349
Enterprise Fund2005
Cred Agro2005
Bank Respublika2005
1
2
3
4
11
0
0
0
0
0
1993
1999
2000
2004
1998
Years
Numbers
CompanyCapital
Azrilizinq$750,000
L Azrilizinq$220,143
Gnay Lizinq$100,000
Ata Lizinq$531,123
Uni Lizinq$212,314
AG Lizinq$630,000
Muan Lizinq$5,000
Parex Lizinq$50,000
Texnika Lizinq$10,600
Total$2,509,180
000000000
Azrilizinq
L Azrilizinq
Gnay Lizinq
Ata Lizinq
Uni Lizinq
AG Lizinq
Muan Lizinq
Parex Lizinq
Texnika Lizinq
Mart-Avg'03Sent-Fev'04Mart-Avg'04Sent-Fev'05Fev'05-Apr'05Apr'05-Iyun'05yun'05-Sentyabr'05
Lizinq mliyyatlarn sayi388090190223265286
Total outstanding Portfolio9070002086026452986772224661156300917,440,861
Total Leases made388090190223265286
Total outstanding Portfolio907000208602645298674870000265
Mart-Avg'03Sent-Fev'04Mart-Avg'04Sent-Fev'05Fev'05-Apr'05Apr'05-Iyun'05yun'05-Sentyabr'05
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05Feb'05-Apr'05Apr'05-June'05June'05-Sept'05
Total outstanding Portfolio90700020860264529867722246611725109$17,440,86124459374
162100
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05Feb-Apr'05Apr'05-June'05
90700020860264529867722246611563009$17,440,861
Leasing companies/Banks68%
Lessees13%
Government19%
0
0
0
Consultation Breakdown(September-February)
38
80
90
190
223
265
286
Total Leases made
Total Leases made
907000
2086026
4529867
7222466
11725109
17440861
24459374
mumildirilmi Portfel (AB $)
38
80
90
190
223
265
286
Lizinq mliyyatlarn sayi
Lizinq mliyyatlarnn sayi
907000
2086026
4529867
7222466
11725109
17440861
24459374
Total outstanding Portfolio (USD)
8000002200001000002000006000005100005000
Azerilizing
SLC AZERLIZING
Gunay Leasing
Uni Leasing
AG Leasing
Ataleasing
Mugan Leasing
Capital of Leasing Companies (as of January 01, 2005)
-
North-West of RussiaLeasing market volume (bln. USD)Number of leasing companiesNWLDP and NW Russia leasing market
Chart9
25
42
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
Ukraine25
113742
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
Sheet1
Sheet2
0
0
0
0
Sheet3
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart21
0.3
0.83
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.00.5
200337.920040.61.7
200443.41.0
Ukraine
Passanger cars
20037496193699
2004164937220536North-West of Russia
LCVolumeDiversif
2002250.3Printing2.50%
Annual volume of leases2004420.83Telecommunications3.50%
Machine-building equipment2.09%
Transportation40.44%
Construction equipment14.58%
Mining2.68%
Lumbering and timber processing8.21%
Food processing4.95%
Other22%
Total volume of portfolio of leasing companies
Sheet6
41.4
37.9
43.4
1
0.6
0.5
1.7
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
-
Market volume (mln USD)Number of leasing companiesUzbekistanCentral Asia industry diversification: Uzbekistan, Kyrgyzstan, TajikistanCALP and Central Asia Countries
Chart6
5
9
5
2
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
Sheet1
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
0
0
0
0
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart12
41.4
37.9
43.4
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.4
200337.9
200443.4
Sheet6
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
-
TajikistanNumber of leasing companiesMarket volume (mln USD)Number of leasing companiesKyrgyzstanMarket volume (mln USD)Central Asia Countries
Chart7
1
1
1
2
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
Sheet1
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart17
0.5
1.7
1
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.00.5
200337.920040.61.7
200443.41.0
Sheet6
0
0
0
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart5
0
5
1
0
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
Sheet1
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
0
0
0
0
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart15
1
0.6
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.0
200337.920040.6
200443.4
Sheet6
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
-
UkraineNumber of leasing companiesULDP and Ukraine
Total volume of portfolio of leasing companies
Chart11
34
45
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113460
1445
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
Sheet1
0
0
0
0
0
0
Sheet2
0
0
Sheet3
0
0
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart18
74961
93699
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.00.5
200337.920040.61.7
200443.41.0
Ukraine
Passanger cars
20037496193699
2004164937220536
Total volume of portfolio of leasing companies
Annual volume of leases
Sheet6
41.4
37.9
43.4
1
0.6
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart20
93699
220536
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.00.5
200337.920040.61.7
200443.41.0
Ukraine
Passanger cars
20037496193699
2004164937220536North-West of Russia
LCVolumeDiversif
2002250,3Printing2.50%
Annual volume of leases2004420,83Telecommunications3.50%
Machine-building equipment2.09%
Transportation40.44%
Construction equipment14.58%
Mining2.68%
Lumbering and timber processing8.21%
Food processing4.95%
Other22%
Total volume of portfolio of leasing companies
Sheet6
41.4
37.9
43.4
1
0.6
0.5
1.7
1
0
0
0
0
0
0
0
0
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
-
MongoliaNumber of lesing companiesTotal outstanding volume (mln USD)MLDP and Mongolia leasing market
Chart8
11
15
Sheet1
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
Ukraine50
113760
1542
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
Sheet1
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart2
5.8
8.4
Leasing 2004 - 2005
Mongolia Leasing Development Project - INDIVIDUAL COMPANY INFORMATION IS CONFIDENTIAL AND FOR IFC INTERNAL USE ONLY
#CompanyLeasing by Dec 2004Leasing by Oct 2005Outstanding volume Dec 2004Outstanding volume Oct 2005Comments
1. Banks1.1Agricultural BankX01,325,000,000
1.2Trade and Development BankX0567,800,000Early 2005, TDB researched the legislative environment (with MLDP assistance) and decided real financial leasing was too risky and not profitable, but to keep up with competition, they introduced leasing anyway.
1.3Mongol Post BankNot ready for leasing, but interested.
1.4Golomt BankXX360,400,0001,132,533,367
1.5Zoos BankX167,477,853
1.6Capitron BankXX0 see comentss477,800,400Capitron had experimented with 11 deals for a total amount of 200,000,000 (all consumer goods and all for just a few months - paid off by end year)
1.7XACBankXX1,047,306,4791,982,140,794
1.8Anod BankXX58,006,25380,662,900
1.9Savings BankNot at the moment. Is being privatised.
1.10Credit BankIs interested ain leasing services.
1.11Capital BankIs interested and researching the option of introducing leasing services.
1.12Ulaanbaatar City BankNo leasing services because of absence of market and favorable legal basis.
1.13InterbankAre considering leasing, but have had bad experiences and the rules are not clear. However, they think vehicle leasing might be interesting for them.
1.14Menatep BankNot interested in leasing. Menatep bank (funder is Menatep-Sankt Peterburg) in Ulaanbaatar may be sold soon.
1.15Chinggis Khan BankLeasing is not in the Business Strategy of the bank.
1.16Erel BankNow lease apartment (that were collaterals and now became our property, equipment (mining, construction) and furniture (some, expensibel ones only); not interested in cheap leasing deals.
1.17Transport Development BankOnly interested in leasing out apartments that were taken as collateral.
2. Non-bank Leasing Companies2.1.Mongolia Leasing Co., LtdXX191,617,000did not provideCould not provide at short notice
2.2TranscapitalHasn't started yet, is waiting for the legislation to go through. But is ready.
2.3Undrah NBFIXX7,264,20010,600,650
3. Supplier-lessor3.1.Wagner Asia Equipment LLCXX1,691,200,0002,230,443,988
3.2Komit Service LLCXX0 see comentss0Kommit had experimented with 2 deals for a total amount of 138,920,000 (mining and transport equipment; all paid off by end year)
3.3Bridge GroupX526,587,600
3.4Monnis Group International, Inc.XXrefused to provide420,000,000
3.5B&J equipmentXX3,675,401,8701,383,750,000
3.6MSMXX0 see comentss215,742,000MSM had experimented with 2 deals for a total amount of 78,520,000 (vehicles, all paid off by end year)
Dec. 2004Oct. 2005Dec. 2004Oct. 2005
TOTALS11157,031,195,80210,353,061,699
USD:$5,815,712$8,479,166
Exchange rate for end December 2004:120920042005
Exchange rate for end October 2005:12215.88.4
Leasing 2004 - 2005
0
0
Industry diversification
End 2004: Industry diversification of the leasing market
Mining equipment6,384,278,788
Construction equipment282,418,645
Agricultural machinery407,787,650
Passenger and Freight vehicles492,602,065
Household appliances1,244,260,218
Other419,190,377
Total9,230,537,742
Industry diversification
6384278787.7
282418644.5
407787650.1
492602065.34
1244260217.56
419190376.8
1915124852
7315412890
Volume of Leases by Banks and Leasing Companies
-
PROJECT COUNTRIES LEASING SECTORSAzerbaijan North-West of RussiaMongolia
Chart4
7178664
25300
1174749
1307724
464839
1234870
4664861
2947411
2244006
AZ
2004 -c il aprel aynn 1-n olan hesabat
Lizinq irktlri haqqnda mumildirilmi mlumat
irktin AdLizinq mliyyatlarnn hcmiHesabat dvrn olan lizinq portfelin hcmiLizinq mqavillrinin sayMinimum avans dniiLizinq mliyyatlarnn dyri (min-max)Mddt (ay)Faiz drcsiArtm (tn kvartal il mqaisdGayd faiziPortfelin eidliyiMaliyy manbyi
Azrilizinq30%$20,000 - $50,00024-3618-20%41%100%Yeyinti snaysi, tikinti, yngl snayBank krediti/kapital
L Azrlizinq15-50%$200-$50,00012--6020%36%95%Knd tsrffat, tikinti, nqliyyat, yeyinti snaysiBank krediti/kapital
Gunay Lizinq50%24--6025%100%Avadanlq, nqliyyat vasitlri, danmaz mlakBank krediti
Cmi4,539,5572,536,5008319%
qtisadiyyatn sektorlar zr
AdAB dollarFaiz
Yeyinti snaysi440,00017%
Tikinti572,00023%
Danmaz mlak100,0004%
Yngl snay297,50012%
Maliyy sektoru13,0001%
Shiyy64,0003%
Knd tsrrfat211,0008%
Digr390,08515%
Cmi2,087,58582%
Cons. Leasing Portfolio Sept 03
As of September 2003
Portfolio of Leasing Companies$800,000
CompanyCapitalPortfolio in $ valuePortfolio in # of agreementsInterest rateLease amountDiversification
Azerilizing$800,000$700,0001118-20%$55,000Banks, construction, Health
Gunay Leasing$100,0001225%$4,000 -$20,000Real Estate/Equipment/Vehices
AZERLIZING$107,0001513-25%$500 - $50,000Agro/Construction/Transport
Total$907,00020.2
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05
$700,00011
$100,00012
$107,00015
$907,00038
Cons. Leasing Portfolio Dec 03
UpdatedAs of December 2003
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Interest rateDiversification
Azerilizing1,322,650922,0001130%18-20%Banks, construction, healthcare
SLC AZERLIZING2,040,816508,1305020-25-50%13-25%Agriculture, construction, transport
Gunay Leasing150,000100,000350%25%Real estate, equipment, vehicles
Total3,513,4661,530,13064
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing313,00020%
Construction286,00019%
Mortgage100,0007%
Light Industry207,00014%
Financial sector55,0004%
Health46,0003%
Agriculture38,0002%
Other (including vehicles)129,0008%
Total1,174,00077%
qtisadiyyatn sektorlar zr
AdAB dollarFaiz
Yeyinti snaysi313,00027%
Tikinti286,00024%
Danmaz mlak100,0009%
Yngl snay207,00018%
Maliyy sektoru55,0005%
Shiyy46,0004%
Knd tsrrfat38,0003%
Digr129,00011%
Cmi1,174,000100%
Cons. Leas. Port. Jan 1.2004
UpdatedAs of January 01 2004
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing1,854,5451,296,5281930%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING2,215,447691,0575215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
Total4,219,9922,087,5857419
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00021%
Construction572,00027%
Mortgage100,0005%
Light Industry297,50014%
Financial sector13,0001%
Health64,0003%
Agriculture211,00010%
Other (including vehicles)390,08519%
Total2,087,585100%
Cons. Leas. Mar 1.04
UpdatedAs of January 01 2004
Consolidated Leasing Portfolio for Azerbaijan Leasing Companies
CompanyDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing1,874,1101,294,9692530%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING2,215,447691,0575215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
Total4,239,5572,086,0268019
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00021%
Construction572,00027%
Mortgage100,0005%
Light Industry297,50014%
Financial sector13,0001%
Health64,0003%
Agriculture211,00010%
Other (including vehicles)390,08519%
Total2,087,585100%
Cons. Leas. April 1.04
UpdatedAs of April 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing800,0002,174,1101,745,0002830%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING0.02,215,447691,5005215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing0.0150,000100,000350%24-60 months25%?100%Real estate, equipment, vehicles
AG Leasing600,000
Uni Leasing200,000
Total4,539,5572,536,5008319
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00017%
Construction572,00023%
Mortgage100,0004%
Light Industry297,50012%
Financial sector13,0001%
Health64,0003%
Agriculture211,0008%
Other (including vehicles)839,00033%
Total2,536,500100%
Cons. Leas. June 1.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$2,174,110$1,745,0002830%$20,000 - $50,00024-36 months18-20%41%100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING0.0$2,228,447$704,0005215-50%$200-$50,00012-60 months20%36%95%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing0.0$150,000$100,000350%24-60 months25%?100%Real estate, equipment, vehicles
AG Leasing$600,000
Uni Leasing$200,000
Ataleasing$510,000
Total$2,110,000$4,552,557$2,549,0008319
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Bank of Baku
Respublika Bank
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing440,00017%
Construction572,00022%
Mortgage100,0004%
Light Industry297,50012%
Financial sector13,0001%
Health64,0003%
Agriculture211,0008%
Other (including vehicles)839,00033%
Total2,536,500100%
Cons. Leas. July 1.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$3,500,000$2,504,4654230%$20,000 - $50,00024-36 months18-20%$759,465100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,000$2,228,447$704,0003815-50%$200-$50,00012-60 months20%0.095%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,000550%24-60 months25%?100%Real estate, equipment, vehicles
Uni Leasing$200,000
AG Leasing$600,000
Ataleasing$510,000
Total$2,430,000$5,878,447$3,308,4658519
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Cred Agro
Bank of Baku
Respublika Bank
Azerdemiryolbank
BP - Ent. Fund
Amrah Bank
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing325,58010%
Construction1,476,70346%
Light Industry456,22514%
Health75,1342%
Agriculture140,8004%
Other (including vehicles)734,02223%
Total3,208,465100%
$2,504,465$704,000
ItemAzerileasingPercentageSLC AzerleasingPercentageTotalAverage %
Food Processing325,58013%325,580.4510%
Construction1,202,14348%274,56039%1,476,703.2046%
Mortgage0.0
Light Industry350,62514%105,60015%456,225.1014%
Financial sector0.00.0
Health75,1343%0.075,133.952%
Agriculture140,80020%140,800.004%
Other (including vehicles)550,98222%183,04026%734,022.3023%
Total2,504,465$704,0003,208,465.00
Cons. Leas. Sept 01.04
UpdatedAs of July 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Jul-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTermInterest rateIncrease from last QuarterRepayment rateDiversificationSource of financing
Azerilizing$800,000$4,600,000$3,700,0006230%Min $20,00024-36 months16-19%$1,195,535100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,000$2,240,447$729,8672215-50%$200-$50,00012-60 months20%$25,86795%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,000550%24-60 months25%100%Real estate, equipment, vehicles
Uni Leasing$200,000$126,720$126,720120%min $500018-48 months20%100%Auto leasingCapital
AG Leasing$600,000
Ataleasing$510,000
Mugan Leasing$5,000
Total$2,435,000$6,990,447$4,529,8679019
Potential Leasing Companies
CompanySuggested nameFoundation dateCapital
Ilk Bank
Cred Agro
Bank of BakuSeptember'04February'05
Respublika Bank90132
Azerdemiryolbank
BP - Ent. Fund
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing325,58010%
Construction1,476,70346%
Light Industry456,22514%
Health75,1342%
Agriculture140,8004%
Other (including vehicles)734,02223%
Total3,208,465100%
$2,504,465$704,000
ItemAzerileasingPercentageSLC AzerleasingPercentageTotalAverage %
Food Processing325,58013%325,580.4510%
Construction1,202,14348%274,56039%1,476,703.2046%
Mortgage0.0
Light Industry350,62514%105,60015%456,225.1014%
Financial sector0.00.0
Health75,1343%0.075,133.952%
Agriculture140,80020%140,800.004%
Other (including vehicles)550,98222%183,04026%734,022.3023%
Total2,504,465$704,0003,208,465.00
Cons. Leas. Sept 01.04
0
0
Number of Leases
Cons. Leas. Nov 01.04
UpdatedAs of November 01 2004
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rateDiversificationSource of financing
Azerilizing$800,000$4,800,000$4,100,0006730%Min $20,00024-3616-19%$400,000100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,053$2,265,447$755,1022215-50%$1,000-$60,00012-60 mo20%$25,23595%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$100,0001050%$10,000-$60,00024-60 mo25%0.0100%Real estate, equipment, vehicles
Uni Leasing$200,000$585,130$585,130920%$14,000 - $200,00018-48 mo20%$458,410100%Auto leasingCapital
AG Leasing$600,0000.0
Ataleasing$510,000$404,000$404,0002Min $ 10,000$404,000100%Construction
Mugan Leasing$5,000
Total$2,435,053$8,204,577$5,944,23211019$1,287,645
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing451,000.008%
Construction2,895,744.7849%
Mortgage70,000.001%
Light Industry0.00%
Service/Holesale/IT553,388.109%
Health82,000.001%
Agriculture151,020.403%
Vehicles1,328,462.4022%
Chemical industry246,000.004%
Heavy Industry27,000.000%
Other139,616.322%
Total5,944,232.000%
$4,100,000$755,102$585,130$404,000$100,000
ItemAzerileasingPercentageSLC AzerleasingPercentageUni LeasingPercentageAtaleasingPercentageGunay LeasingTotalAverage %
Food Processing451,00011%451,000.008%
Construction2,173,00053%294,49039%178,25530%250,00062%2,895,744.7849%
Real Estate0.00%0%70,00070%70,000.001%
Light Industry0.00%0.00%0%0%0.00%
Service/Holesale/IT123,0003%37,7555%265,63345%127,00031%553,388.109%
Health82,0002%0.00%0%82,000.001%
Agriculture151,02020%0%0%151,020.403%
Vehicles1,025,00025%151,02020%122,44221%0%30,00030%1,328,462.4022%
Chemical industry246,0006%0.00%0%246,000.004%
Heavy Industry27,0007%27,000.00
Other120,81616%18,8003%0%139,616.322%
Total4,100,000755,102585,130404,000100,0005,944,232
Cons. Leas. Jan 01.05
UpdatedAs of January 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rateDiversificationSource of financing
Azerilizing$800,000$6,500,000$4,870,00078$2,000,00030%Min $20,00012-48 mo16-19%$770,000100%Food processing, construction, light industryBank credit/capital
SLC AZERLIZING$220,053$2,295,447$780,10071$1,000,00015-50%$1,000-$60,00012-60 mo20%$24,99895%Agriculture, construction, transport, industryBank credit/capital
Gunay Leasing$100,000$150,000$95,0001240%$4,000-$50,00024-60 mo24%$(5,000)100%Real estate, equipment, vehicles
Uni Leasing$200,000$757,033$757,03314$6,500,00020%$14,000 - $200,00018-36 mo20%$171,903100%Auto leasingCapital
AG Leasing$600,000$8,100,0000.0
Ataleasing$510,000$720,333$720,3336$1,500,00020-30%Min $ 5,00012-60 mo$316,333100%Construction
Mugan Leasing$5,000
Total$2,435,053$10,422,813$7,222,466181$19,100,00019$1,278,234
Diversification by sectors of the economy
ItemUSD valuePercentage
Food Processing773,638.9011%
Construction3,478,538.1948%
Mortgage75,000.001%
Service/Holesale/IT610,067.948%
Health97,400.001%
Agriculture171,622.002%
Vehicles1,678,191.9723%
Chemical industry194,800.003%
Other143,213.002%
Total7,222,472.00
$4,870,000$780,100$757,033$720,333$95,000
ItemAzerileasingPercentageSLC AzerleasingPercentageUni LeasingPercentageAtaleasingPercentageGunay LeasingTotalAverage %
Food Processing487,00010%70,5399%216,10030%773,638.9011%
Construction2,678,50055%312,04040%178,25524%309,74343%3,478,538.1948%
Real Estate0.00%0%75,00079%75,000.001%
Light Industry0.00%0.00%0%0%0.00%
Service/Holesale/IT97,4002%39,0055%344,00345%129,66018%610,067.948%
Health97,4002%0.00%0%97,400.001%
Agriculture171,62222%0%0%171,622.002%
Vehicles1,314,90027%156,02020%122,44216%64,8309%20,00021%1,678,191.9723%
Chemical industry194,8004%0.00%0%194,800.003%
Heavy Industry0.00%0.0
Other/Fin/Insurance101,41313%41,8006%0%143,213.002%
Total4,870,000780,100757,039720,33395,0007,222,472
Cons. Leas. Jan 01.05
000
000
000
000
000
000
000
000
000
Diversification by sectors of the economy
Apr01.05
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00074$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Debut Bank$4,316,630$162,100210$6,076,06530
Parex Leasing$50,000
Total$6,813,422$12,421,573$11,725,109213$17,248,00019$4,656,876
73000
20000
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqGunayleasingDebut BankTotal value%TOTAL %
COMMUNICATION2320023200
CONSTRUCTION110778144550005562781
AGRICULTURAL SERVICES178200178200Azerileasing
MINING810000178200
MANUFACTURING5887263485129100251457810000162000
FOOD PRODUCTION135422810000945422810000121500
CIVIL ENGINEERING2613193240005853198100000324000
Health16200016200081000002187000
RETAIL TRADE40500405008100000162000
WHOLESALE TRADE296319296319
SERVICES, TOURISM9757162000162000333757
TRANSPORT180359215365218700020000330002635724
FINANCE-INSURANCE11832620700139026
Chemical Industry324000324000
REAL ESTATE7300073000
OTHER69104121500190604
628633193137681000008262009300016210011741309
Rgurbatova:value of contract is not considered:disbursed in fact
Apr01.05
0
0
0
0
0
0
0
0
0
July05
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$750,000$12,167,119$11,571,45210220%Min $20,00012-48 mo16-17%$3,471,452100%6231Bank credit/capital$10,821,452
SLC AZERLIZING$220,143$940,000$780,0009620-25%$1,000-$60,00012-60 mo20-25%95%1096Bank credit/capital$559,857
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%93000.00100%
Ataleasing$531,123$999,700$856,31616$1,000,00025-30%Min $ 5,00012-60 mo22%$636,263100%$1,995.6962$325,193
Uni Leasing$212,314$3,702,503$2,811,43132$3,800,00020%min $1500018-36 mo19%100%159Capital$2,599,117
AG Leasing$630,000$155,0005000-100000$12-60mo20-24%
Mugan Leasing$5,000
Debut Bank$4,494,750$200 000$162,1002$300,00030%5000-150 0001-10year18-30%1030
Parex Leasing$50,000$1,166,562$1,166,5625$12,000$1,116,562
Texnika Leasing$10,600
Total$7,003,930$17,959,322$17,440,861265$5,267,00019$4,200,715
$2,498,580
SECTORAtaleasingUnileasingAzerileasingSLC AzerlizinqGunayleasingDebut BankParex LeasingTOTAL
ENERGY/COMMUNICATION29000117000Enerji/Kommunikasiya1460000.9%
CONSTRUCTION42089514438175734847312000naat791155978000047.4%
AGRICULTURAL SERVICES249600Knd Tsrrfat2496001.5%
MANUFACTURING15115670905137285406543stehsal7658894.6%
FOOD PRODUCTION75147110405492400Yeyinti Snayesi12716017.6%
HealthShiyy07800000.0%
RETAIL TRADE39000Praknd Ticart390000.2%
WHOLESALE TRADE479099Topdan ticart4790992.9%
SERVICES, TOURISM40233Xidmt, Turizm402330.2%
TRANSPORT1852303005804031000624002000062715Nqliyyat466192527.9%
FINANCE-INSURANCE127003228600667619Maliyy, Sorta10232226.1%
Chemical IndustryKimiya Snaysi00.0%
REAL ESTATE73000Danmaz mlak730000.4%
OTHER46448Digr464480.3%
TOTAL9996643702503976584778000093000200000116656216707576
July05
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sector of economy
September05
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Chart-september
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$750,000$15,886,77410220%Min $20,00012-48 mo16-17%$7,786,774100%6231Bank credit/capital$15,136,774
SLC AZERLIZING$220,143$1,150,0008620-25%$1,000-$60,00012-60 mo20-25%95%1096Bank credit/capital$929,857
Gunay Leasing$100,000$93,000640%$5000-$50,00012-60 mo24%93000.00100%
Ataleasing$531,123$952,09818$1,000,00025-30%Min $ 5,00012-60 mo22%$732,045100%$1,995.6962$420,975
Uni Leasing$700,000$3,721,71250$3,800,00020%min $1500018-36 mo19%100%159Capital$3,021,712
AG Leasing$630,000$152,304$155,0005000-100000$12-60mo20-24%$(477,696)
Mugan Leasing$5,000
Debut Bank$4,494,750$25,0002$300,00030%5000-150 0001-10year18-30%1030
Parex Leasing$50,000$2,519,590$2,478,48616$12,000$2,428,486
Texnika Leasing$10,600
Total$7,491,6160.0$24,459,374280$5,267,00019$8,611,819
$2,996,866
SECTORAtaleasingUnileasingAzerileasingSLC AzerlizinqGunayleasingDebut BankParex LeasingAG LeasingTOTAL
ENERGY/COMMUNICATION290005750Enerji/Kommunikasiya34750
CONSTRUCTION14438175734847naat7178664
AGRICULTURAL SERVICES25300Knd Tsrrfat25300
MANUFACTURING1931797090587752533140stehsal1174749
FOOD PRODUCTION118422110405485248Yeyinti Snayesi1307724
Health1234870Shiyy1234870
RETAIL TRADE138936Praknd Ticart138936
WHOLESALE TRADE479099Topdan ticart479099
SERVICES, TOURISM38387698534217500Xidmt, Turizm954421
TRANSPORT1545313005804031000287502000025000105000Nqliyyat4664861
FINANCE-INSURANCE10003922860014047821213990Maliyy, Sorta2947411
Chemical Industry401800Kimiya Snaysi401800
REAL ESTATE73000Danmaz mlak73000
Civil engeniering3475394370073600Mlki naat464839
OTHER464482240005115008099Digr2306052
TOTAL9520973702503158847741150009300025000247596213814023386476
Chart-september
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sector of economy
ChartsJuly
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Chart_aprel
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00084$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Total$2,446,792$12,421,573$11,563,009221$17,248,00019$4,656,876
73000
20000
Diversification by sectors of the economy
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqDebut BankGunayleasingTotal value%TOTAL %
Construction11077814455000Inaat7178664Construction7178664
Agricultural Services178200Knd Tsrrfat25300Agricultural Services25300
Manufacturing5887263485129100stehsal1174749Manufacturing1174749
Food production135422810000Yeyinti Snayesi1307724Food production1307724
Civil Engineering261319324000Mlki naat464839Civil Engineering464839
Health162000Shiyy1234870Health1234870
Transport18035921536521870003300020000Nqliyyat4664861Transport4664861
Fiinance-Insurance11832620700Maliyy, Sorta2947411Fiinance-Insurance2947411
Chemical Industry324000Diqr2336310Other2244006
Real Estate73000
OTHER2320069104162000
642076161185779380006642009300010949133
1284152322371415876000132840016210018600022060366
Inaat
Knd Tsrrfat
stehsal
Yeyinti Snayesi
Mlki naat
Shiyy
Topdan ticart
Xidmt, Turizm
Nqliyyat
Maliyy, Sorta
Kimiya Snaysi
Danmaz mlak
Diqr
Rgurbatova:value of contract is not considered:disbursed in fact
Chart_aprel
0
0
0
0
0
0
0
0
0
0
Sektor zr diversifikasiya
January
0
0
0
0
0
0
0
0
0
Diversification by the sectors of economy(as of October 1, 2005)
Portfolio
Portfolio
146000
7911559
249600
765889
1271601
0
39000
479099
40233
4661925
1023222
0
73000
46448
Diversification by sector of economy
foundation date
UpdatedAs of April 01 2005
Consolidated Leasing Portfolio of Azerbaijan Leasing Companies
Sep-04
CompanyCapitalDisbursed to dateOutstanding portfolio (USD)No. of agreementsPipelineMinimum down payment req.Lease amountTerm (months)Interest rateIncrease from last repororted periodRepayment rate# of leases rejectedPotential projectsattracted investmentsLease deliquency(30days)#of jobs createdSource of financing
Azerilizing$800,000$9,200,000$8,100,00091$2,000,00020%Min $20,00012-48 mo16-19%$3,230,000100%68Bank credit/capital
SLC AZERLIZING$220,143$810,00084$1,000,00015-50%$1,000-$60,00012-60 mo20-25%$29,90095%Bank credit/capital
Gunay Leasing$100,000$150,000$93,0001240%$5000-$50,00012-60 mo24%-2000.00100%
Ataleasing$515,463$676,000$628,63311$1,000,00022%Min $ 5,00012-60 mo30%$224,633100%$1,995.6962
Uni Leasing$206,186$2,395,573$1,931,37623$5,148,00020%min $400018-36 mo20%$1,174,343100%Capital
AG Leasing$600,000$8,100,000
Mugan Leasing$5,000
Total$2,446,792$12,421,573$11,563,009221$17,248,00019$4,656,876
73000
20000
Diversification by sectors of the economy
466%
SECTORAtaleasingUnileasingAzerileasingSLCAzerlizinqDebut BankGunayleasingTotal value%TOTAL %
Construction11077814455000Inaat5562781
Agricultural Services178200Knd Tsrrfat178200Azerileasing
Manufacturing5887263485129100stehsal251457810000340200
Food production135422810000Yeyinti Snayesi94542281000040500
Civil Engineering261319324000Mlki naat5853198100000324000
Health162000Shiyy16200081000002187000
Wholesale trade296319Topdan ticart296319
Services,Tourism9757162000162000Xidmt, Turizm333757
Transport18035921536521870003300020000Nqliyyat2635724
Fiinance-Insurance11832620700Maliyy, Sorta139026
Chemical Industry324000Kimiya Snaysi324000
Real Estate73000Danmaz mlak73000
OTHER2320069104162000Diqr254304
651833190817681000008262009300011579209
1303666381635216200000165240016210018600023320518
Inaat
Knd Tsrrfat
stehsal
Yeyinti Snayesi
Mlki naat
Shiyy
Topdan ticart
Xidmt, Turizm
Nqliyyat
Maliyy, Sorta
Kimiya Snaysi
Danmaz mlak
Diqr
Rgurbatova:value of contract is not considered:disbursed in fact
foundation date
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Diversification by the sectors of economy(as of April 2005)
Statistics_Az
0
0
0
0
0
0
0
0
0
0
0
0
0
Sektor zr diversifikasiya
num_lease_outstanding
773638.9
3478538.19
75000
610067.94
97400
171622
1678191.97
194800
143213
`
Diversification by the sectors of the economy(as of January'05)
Capital
487000078010072033375703395000
Azerilizing
SLC AZERLIZING
Ataleasing
Uni Leasing
Gunay Leasing
AG Leasing
Mugan Leasing
Outstanding Leasing Portfolio(as of January 2005)
Azerilizing1999
SLC AZERLIZING
Gunay Leasing
Uni Leasing1993
AG Leasing
AtaleasingAmrah Bank
Mugan Leasing2000SLC AZERLIZING19931Bank of Baku / Ilk Bank
Azerilizing19992Bank Respublika
Jul-04Gunay Leasing20003Az Leasing / Rabita Bank/AzerdemiryolBank
Uni Leasing20044Parex leasing and Factoring
Aug-04AG Leasing2004Cred Agro
Ataleasing2004Enterprize Fund
Mugan Leasing2004CI Bank / CI Leasing
Jun-04Debut Bank200511Agrar Credit
Bank of Baku2005Agro Leasing
AZ Leasing2005Debut Bank
Jun-04Amrah Bank2005
Parex leasing and Factoring2005
CI Leasing2005
Agro Leasing200519931999199820002004
Agrar Credit200512349
Enterprise Fund2005
Cred Agro2005
Bank Respublika2005
1
2
3
4
11
0
0
0
0
0
1993
1999
2000
2004
1998
Years
Numbers
CompanyCapital
Azrilizinq$750,000
L Azrilizinq$220,143
Gnay Lizinq$100,000
Ata Lizinq$531,123
Uni Lizinq$212,314
AG Lizinq$630,000
Muan Lizinq$5,000
Parex Lizinq$50,000
Texnika Lizinq$10,600
Total$2,509,180
000000000
Azrilizinq
L Azrilizinq
Gnay Lizinq
Ata Lizinq
Uni Lizinq
AG Lizinq
Muan Lizinq
Parex Lizinq
Texnika Lizinq
Mart-Avg'03Sent-Fev'04Mart-Avg'04Sent-Fev'05Fev'05-Apr'05Apr'05-Iyun'05yun'05-Sentyabr'05
Lizinq mliyyatlarn sayi388090190223265286
Total outstanding Portfolio90700020860264529867722246611563009$17,440,861
Total Leases made388090190223265286
Total outstanding Portfolio907000208602645298674870000265
Mart-Avg'03Sent-Fev'04Mart-Avg'04Sent-Fev'05Fev'05-Apr'05Apr'05-Iyun'05yun'05-Sentyabr'05
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05Feb'05-Apr'05Apr'05-June'05June'05-Sept'05
Total outstanding Portfolio90700020860264529867722246611725109$17,440,86124459374
162100
March-Aug'03Sept-Feb'04March-Aug'04Sept-Feb'05Feb-Apr'05Apr'05-June'05
90700020860264529867722246611563009$17,440,861
Leasing companies/Banks68%
Lessees13%
Government19%
0
0
0
Consultation Breakdown(September-February)
0
0
0
0
0
0
0
Total Leases made
Total Leases made
0
0
0
0
0
0
0
mumildirilmi Portfel (AB $)
0
0
0
0
0
0
0
Lizinq mliyyatlarn sayi
Lizinq mliyyatlarnn sayi
0
0
0
0
0
0
0
Total outstanding Portfolio (USD)
8000002200001000002000006000005100005000
Azerilizing
SLC AZERLIZING
Gunay Leasing
Uni Leasing
AG Leasing
Ataleasing
Mugan Leasing
Capital of Leasing Companies (as of January 01, 2005)
Chart19
0.025
0.035
0.0209
0.4044
0.1458
0.0268
0.0821
0.0495
0.215
LC
Number of Leasing companies
Azerbaijan
19931
19982
19993
20004
20049
200518
UzbekistanKyrgyzstanTajikistan
2002501
2003951
2004511
1H 2005202
2003
1H 2005
Ukraine50
113760
1442
MongliaNorth-West of Russia
2004
1H 2005
2002
2004
LC
1
2
3
4
9
18
Volume
37
42
Sheet4
50
60
Sheet5
11
14
Sheet6
200241.420031.00.5
200337.920040.61.7
200443.41.0
Ukraine
Passanger cars
20037496193699
2004164937220536North-West of Russia
LCVolumeDiversif
Total volume of portfolio of leasing companies2002250,3Printing2.50%
2004420,83Telecommunications3.50%
Annual volume of leasesMachine-building equipment2.09%
Transportation40.44%
Construction equipment14.58%
Mining2.68%
Lumbering and timber processing8.21%
Food processing4.95%
Other22%
Sheet6
41.4
37.9
43.4
1
0.6
0.5
1.7
1
0
0
0
0
0
0
0
0
0
0
0
MBD00B11BA9.xls
Chart5
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet1
# of new lessor entered the market within last 4 years (2002-2005)
2002200320041H 2005# of lessors at the end of June 2005
Uzbekistan595227
Kyrgyzstan510.06
Tajikistan11125
wb237527:13 lessors as of end 2001 plus new lessors entered the market minus 7 ceased operations
Sheet1
5952
Kyrgyzstan510
1112
2002
2003
2004
1H 2005
Sheet2
Sheet3
Sheet4
Sheet5
Sheet6
Chart1
6384278787.7
282418644.5
407787650.1
492602065.34
1244260217.56
419190376.8
Leasing 2004 - 2005
Mongolia Leasing Development Project - INDIVIDUAL COMPANY INFORMATION IS CONFIDENTIAL AND FOR IFC INTERNAL USE ONLY
#CompanyLeasing by Dec 2004Leasing by Oct 2005Outstanding volume Dec 2004Outstanding volume Oct 2005Comments