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len âSOB Leasing) za rok 2006.<br><br> DesaÈ rokov existencie spoloãnosti âSOB Leasing na trhu v Slovenskej republike je urãite nezanedbateºné obdobie a o to príjemnej0ia je skutoãnosÈ, Ïe hovoríme o období veºmi úspe0nom. âSOB Leasing bol zapísanØ do obchod- ného registra v decembri 1996 a poãas uplynulého desaÈ- roãia dosiahol navØ0enie obratu z nuly na 12,117 mld. SKK v roku 2006, ãím prekonal aj pôvodné obchodné zámery.<br><br> Postupne sa nám darí upevÀovaÈ na0e vedúce postavenie na lízingovom trhu a v roku 2006 sme opäÈ potvrdili miesto jednotky vo financovaní hnuteºného majetku. Desiate vØroãie svojho vzniku oslávila spoloãnosÈ rekordnØm rastom obchodov v obrate na úrovni 29,7 % v porovnaní s rokom 2005. Ná0 obchodnØ rast opätovne v roku 2006 prekonal dynamiku rastu lízingového trhu.<br><br> Upevnili sme svoju pozíciu lídra pri financovaní strojov a zariadení a sme aj naìalej lídrom vo financovaní ná- kladnØch automobilov. Obzvlá0È cenné je aj to, Ïe v roku 2006 sa nám podarilo splniÈ cieº pri financovaní ojaz- denØch osobnØch automobilov a âSOB Leasing sa stal lídrom trhu vo financovaní tejto komodity. âSOB Leasing uzavrel v uplynulom roku historicky najvy00í poãet lízin- govØch zmlúv, ktorØ presiahol hranicu 14 000.<br><br> Tieto vØborné vØsledky sú, okrem iného, vØsledkom napæÀania na0ej dlhodobej stratégie, ktorej cieºom je neustále roz0irovaÈ a skvalitÀovaÈ ponuku pre na0ich zákazníkov a obchodnØch partnerov. V súlade s na0ou stratégiou sme v roku 2006 roz0írili produktovú ponuku o financovanie nehnuteºností a v tejto komodite sa nám podarilo dosiahnuÈ vØsledky zodpovedajúce druhému miestu v tejto ãasti trhu. Toto obchodné rozhodnutie a dosiahnutØ vØsledok hodnotíme ako veºmi úspe0nØ, predov0etkØm preto, Ïe dopæÀana0u produktovú ponuku a napæÀatak ná0 strategickØ cieº 3 ebyÈ univerzálnou lízingovou spoloãnosÈou c.<br><br> DôleÏitØ je pre nás aj fakt, Ïe âSOB Leasing popri v0etkØch tØchto obchodnØch úspechoch a dynamickom raste na trhu aj naìalej zostáva nadpriemerne ziskovou lízingovou spoloãnosÈou. Aj napriek preukázateºnØm historickØm obchodnØm úspechom naìalej premØ0ºame, ako v ìal0ích rokoch skvalitniÈ prostredníctvom na0ej celorepublikovej poboãkovej siete, a v blízkej budúcnosti i prostredníctvom Dear customers, Dear business partners, Dear shareholders, It is my pleasure to present to you the profile of âSOB Leasing a. s.<br><br> (hereinafter "âSOB Leasing d) for 2006. The ten-year long presence of âSOB Leasing on the Slovak market is certainly not insignificant; what is more it was a very successful period. âSOB Leasing was registered in the Companies Register in December 1996 and over the following ten years it achieved an increase in turnover from zero to SKK 12.117 bil., thus exceeding business plan expectations.<br><br> We have been successful in securing our leading position on the leasing market and in 2006 we retained our number one position in financing real estate. The company celebrated its 10th anniversary with a record-breaking rise in the volume of deals of 29.7% vis-á-vis 2005. Our growth in 2006 outperformed the leasing market growth.<br><br> We have secured the leading position in financing machinery and equipment and we are still the market leader in financing trucks. Another remarkable success is that in 2006 we managed to achieve our goal in financing used passenger vehicles and âSOB Leasing became a leader in this segment. Last year, âSOB Leasing concluded the highest number of lease agreements ever, exceeding the 14,000 mark.<br><br> These outstanding results are in part due to pursuing our long-term strategy aimed at extending and improving the quality of our product line for our customers and busi- ness partners. In line with our strategy we extended our product range in 2006 by real estate financing. We achieved results thanks to which we are ranked as number two in this market segment.<br><br> We consider this business decision and achieved results as very successful especially because it supplements our product range and helps to accomplish our strategic objective 3 to be a cuniversal leasing company". Very important is also the fact that in addition to this business success and dynamic growth, âSOB Leasing is still a highly profit-making leasing company. Despite the provable historical success we would like to further improve customer service offered through our nationwide branch network and in the near future also through the sales network of the âSOB Group.<br><br> I am convinced that a further well-balanced growth in all segments of our business activities and a further extension of our product range are the key to future success. The company will continue to ensure the stability Úvodné slovo predsedu predstavenstva 04 Profil spoloãnosti âSOB Leasing Foreword by the Chairman of the Board of Directors obchodnej siete skupiny âSOB, obsluhu na0ich zákazníkov a dodávateºov. Som presvedãenØ o tom, Ïe ìal0í rovnomernØ rast v0etkØch segmentov na0ej ãinnosti a ìal0í rozvoj produk- tovej ponuky je kºúãom k úspechu i v ìal0ích rokoch.<br><br> SpoloãnosÈ bude aj naìalej podporovaÈ stabilitu pracov- ného kolektívu, pracovaÈ na zefektívnení svojich vnútornØch procesov a implementovaÈ nové technické podporné prostriedky pre na0u ãinnosÈ, ktorØmi chceme zrØchliÈ a skvalitniÈ obsluhu na0ich zákazníkov. Na0ím strategickØm cieºom je byÈ aj naìalej lídrom lízingového trhu, nielen v dosiahnutØch obchodnØch a finanãnØch vØsledkoch, ale aj v kvalite ãinnosti. Na pod- poru tohto zámeru pripravujeme ìal0í rozvoj produktovej ponuky vo v0etkØch financovanØch komoditách, v spolupráci a s vyuÏitím skúseností na0ej materskej KBC vØznamnØ vstup na trh operatívneho lízingu full service a predov0etkØm vyuÏitie synergie medzi distribuãnØmi kanálmi âSOB Leasing a âSOB banky.<br><br> VáÏení zákazníci, obchodní partneri a akcionári, vzÈahy s Vami a skúsenosti na0ich zamestnancov povaÏu- jeme aj naìalej za hlavné strategické hodnoty, na ktorØch plánujeme stavaÈ budúci rozvoj spoloãnosti. Verím, Ïe doteraj0ie vynikajúce vØsledky spoloãnosti âSOB Leasing Vás presvedãia o tom, Ïe sme ako ãlen finanãnej skupiny âSOB na Slovensku schopní aj naìalej byÈ Va0ím najspoºahlivej0ím a najlep0ím obchodnØm part- nerom pri rie0ení financovania Va0ich aktivít v podmien- kach nielen lízingového trhu Slovenskej republiky, ale ako ãlen silnej finanãnej skupiny KBC aj v podmienkach európskeho trhu. Na záver by som rád poìakoval Vám v0etkØm 3 na0im zákazníkom i obchodnØm partnerom za spoluprácu v roku 2006, akcionárom spoloãnosti za ich podporu pri realizácii na0ich zámerov a v0etkØm zamestnancom spoloãnosti za ich aktívny prínos k dosiahnutØm vØsledkom v uplynu- lom roku 2006.<br><br> S poìakovaním a ponukou ìal0ej spolupráce Josef Rosenkranz Predseda predstavenstva âSOB Leasing, a. s. of our working teams, to increase efficiency of our internal processes and to implement new technical support tools for our activities through which we would like to speed up and improve the quality of customer service.<br><br> Our strategic objective is to keep our leading position in the leasing market not only in terms of achieved business and financial performance but also in terms of the quality of our activities. To support this objective we have prepared a further expansion of our product range in all financed commodities. In cooperation with KBC, our parent company, we will try to enter the market of full service operating leasing and try to make use of the synergies between the distribution channels of âSOB Leasing and âSOB.<br><br> Dear customers, Dear business partners, Dear shareholders, The relationships established with you and the experience of our employees continue to be the greatest assets on which we intend to build the future growth of our company. We believe that the outstanding results of âSOB Leasing will convince you that we are, as a member of the âSOB Group in Slovakia, able to be your most reliable and best business partner in helping you finance your activities not only in the Slovak leasing market, but as a member of the strong KBC Group also in the European market. To conclude with, I would like to record my thanks to all of you 3 both our customers and business partners for your cooperation in 2006, to our shareholders for their support in accomplishing our objectives and to our staff for their important contribution tothe excellent results.<br><br> Many thanks and I look forward to our next cooperation Josef Rosenkranz Chairman of the Board of Directors of âSOB Leasing, a. s. Company profile âSOB Leasing 05 06 Profil spoloãnosti âSOB Leasing âSOB Leasing, a.<br><br> s., pôsobí na slovenskom trhu od roku 1996 a vØ0ka základného imania na0ej spoloãnosti je garanciou kapitálovo najsilnej0ej lízingovej spoloãnosti na Slovensku. âSOB Leasing bol zaloÏenØ imaním 1,5 mld. Sk a od svojho zaloÏenia sa profiluje ako univerzálna lízingová spoloãnosÈ.<br><br> Na0a spoloãnosÈ ponúka 0irokú 0kálu finanãnØch produktov, urãenú pre podnikateºské i nepodnikateºské subjekty. Od roku 2006 âSOB Leasing roz0íril svoje portfólio produktov a do svo- jej obchodnej ãinnosti zahrnul aj financovanie nehnuteºností. UniverzálnosÈ na0ej spoloãnosti vyplØva z ambície a cieºa poskyt- núÈ zákazníkovi moÏnosÈ vØberu z produktov, ktoré kopírujú jeho individuálne poÏiadavky a obchodné zámery.<br><br> Cieºom âSOB Leasing je poskytovaÈ zákazníkovi komfort obsiah- nutØ v dostupnosti v0etkØch sluÏieb spojenØch s financovaním âSOB Leasing, a. s. has operated on the Slovak market since 1996 and our share capital is a guarantee that we are the strongest leasing company in Slovakia.<br><br> âSOB Leasing was established with a share capital of SKK 1.5 bil. and it has become over the years a universal leasing company. It offers a wide range of financial products aimed at business and non-business entities.<br><br> Since 2006, âSOB Leasing has extended the portfolio of its services by real estate financing. The versatility of our company results from our ambitions and objectives to allow our clients to choose from the products that suit best their individual requirements and business plans. The aim of âSOB Leasing is to offer comfort by making avail- able all services related to the financing of any in-house 10 rokov âSOB Leasing na Slovensku a jeho ìal0ie poslanie 10 years of âSOB Leasing in Slovakia and its mission Company profile âSOB Leasing 07 akejkoºvek komodity in-house v âSOB Leasing.<br><br> Toto poslanie sa snaÏíme napæÀaÈ aj prostredníctvom poboãkovej siete na0ej spoloãnosti po celej Slovenskej republike. âSOB Leasing od svojho zaloÏenia patrí stále medzi lídrov na slovenskom trhu. Aj napriek vzniku novØch lízingovØch spoloãností a postupnej saturácii trhu sa na0ej spoloãnosti darí udrÏaÈ sa medzi najúspe0nej0ími lízingovØmi spoloãnosÈami.<br><br> Svedãí o tom aj fakt, Ïe za posledné dva roky sa âSOB Leasingu podarilo udrÏaÈ na pozícii jednoznaãného lídra medzi lízingovØmi spoloãnosÈami v oblasti nehnuteºného majetku. Na0ím poslaním aj po desiatich rokoch pôsobenia na lízingovom trhu zostáva skvalitÀovanie poskytovanØch sluÏieb zákazníkom, inovácia produktov, dosahovanie dlhodobej ziskovosti spoloãnosti a udrÏanie pozície lídra na slovenskom trhu. commodity in âSOB Leasing.<br><br> We are trying to fulfil this mission also through our network of branches present around Slovakia. Since it was established, âSOB Leasing has belonged among the leaders on the Slovak market. Despite the establishment of new leasing companies and the gradual saturation of the market, our company has been able to secure its position among the most successful leasing companies.<br><br> It is also proved by the fact that in the last two years âSOB Leasing has been an undisputed leader in the sector of real estate financing. Our mission is still, after ten years of operation on the Slovak market, to improve the quality of services provided to customers, to innovate our products, to report long-term profitability and to secure our leading position on the Slovak market. 08 Profil spoloãnosti âSOB Leasing Company profile âSOB Leasing 09 Akcionármi spoloãnosti âSOB Leasing sú âeskoslovenská obchodní banka, a.s.<br><br> (ìalej iba âSOB), ktorá vlastní 90 % akcií, a âSOB Leasing, a.s., âeská republika (ìalej iba âSOB Leasing âR), ktorØ vlastní 10 % akcií. âSOB patrí dlhodobo medzi lídrov bankového trhu v âeskej republike. âSOB Leasing âR je dlhodobo najvØkonnej0ou a vysoko ziskovou bankovou lízingovou spoloãnosÈou v âeskej republike a patrí medzi najväã0ie lízingové spoloãnosti v strednej a vØchodnej Európe.<br><br> âSOB Leasing je súãasÈou silnej finanãnej skupiny KBC a je aj ãlenom Asociácie leasingovØch spoloãností SR. Obchodné meno: âSOB Leasing, a.s. Sídlo: Panónska cesta 11, 852 01 Bratislava IâO: 35 704 713 Predmet podnikania: âSOB Leasing je univerzálna lízin- gová spoloãnosÈ, ktorá prostredníctvom siete svojich 9 poboãiek v Slovenskej republike poskytuje lízingové sluÏby podnikateºskØm i nepodnikateºskØm subjektom.<br><br> Zákazníkom ponúka âSOB Leasing financovanie v0etkØch komodít 3 novØch aj ojazdenØch osobnØch, úÏitkovØch a nákladnØch vozidiel, strojov, zariadení a nehnuteºností. ·kála produktov zahDÀa finanãnØ lízing, operatívny lízing bez sluÏieb aj full service, splátkovØ predaj a spotrebnØ úver. Produkty âSOB Leasing spæÀajú vysoké nároky trhu v Slovenskej republike a sú plne konkurencieschopné.<br><br> Dobré vØsledky âSOB Leasing sú odrazom úzkej spolupráce s dodávateºmi predmetov lízingu. Importéri a dealeri sú na0imi strategickØmi partnermi, ktorØm poskytujeme pod- porné finanãné produkty 3 financovanie dealerskØch sietí, financovanie skladovØch a predvádzacích vozidiel, predfi- nancovanie a provízny systém. Na úrovni importérov spolupracujeme pri osobnØch vozidlách so znaãkami Hyundai, Mazda, Mitsubishi a Fiat, v nákladnØch vozidlách so znaãkami MAN a Renault.<br><br> âSOB Leasing ponúka svojim obchodnØm partnerom kvalitné produkty a sluÏby a istotu zázemia kapitálovo silnej spoloãnosti. âSOB Leasing shareholders are âeskoslovenská obchodní banka, a.s. (hereinafter âSOB) owning 90 % of the shares and âSOB Leasing, a.s.<br><br> âeská republika (hereinafter âSOB Leasing CZR) owning the remaining 10 % of the shares. In the long run, âSOB has been one of the leaders in the Czech banking market. âSOB Leasing CZR is the most efficient and highly profitable leasing company in the Czech Republic and one of the largest leasing companies in Central and Eastern Europe.<br><br> âSOB Leasing is a member of KBC, a strong financial group and a member of the Slovak Association of Leasing Companies. Business name: âSOB Leasing, a.s. Registered name: Panónska cesta 11, 852 01 Bratislava Company ID No.<br><br> (IâO): 35 704 713 Scope of business: âSOB Leasing is a universal leasing company offering leasing services to business and non- business entities through a network of its nine branches present in Slovakia. âSOB Leasing offers to its customers the financing of all commodities 3 both new and used passenger and utility vehicles and trucks, machinery, equipment and real estate. The range of products includes financial leasing, operating leasing with or without full service, hire purchase and consumer loans.<br><br> âSOB Leasing products meet the high demands of the Slovak market and are highly competitive. The good results of âSOB Leasing reflect the company 9s close cooperation with its suppliers. Both importers and dealers are our strategic partners to which we provide complementary financial products 3 financing of dealer networks, showroom and stock vehicles, pre-financing and commission system.<br><br> As for the import of passenger vehicles, we cooperate with companies such as Hyundai, Mazda, Mitsubishi and Fiat; and MAN and Renault in the import of trucks. âSOB Leasing offers to its business partners high-quality products and services and a guarantee of a strong company. Profil spoloãnosti k 31.<br><br> decembru 2006 Company 9s profile as at December 31, 2006 10 Profil spoloãnosti âSOB Leasing Produkty âSOB Leasing pre dodávateºov " Financovanie dealerskØch sietí âSOB Leasing ponúka spolupracujúcim znaãkám moÏnosÈ financovania skladovØch vozidiel formou nákupu od importéra a ich následného predaja do dealerskej siete danej znaãky. " Predfinancovanie dodávateºov âSOB Leasing poskytuje spolupracujúcim dodávateºom krátkodobú finanãnú vØpoÏiãku na nákup skladovØch vozidiel podºa vØ0ky prefinancovaného obratu. " Financovanie protiúãtov âSOB Leasing ponúka dodávateºom prefinancovanie ojazdenØch vozidiel.<br><br> Vozidlo, ktoré dodávateº vykúpi od zákazníka, môÏe byÈ následne prefinancované cez âSOB Leasing na obdobie aÏ 3 mesiace, do obdobiapredaja koncovému zákazníkovi formou vybraného produktu âSOB Leasing alebo v hotovosti. " Financovanie predvádzacích vozidiel, vybavenia servisu a predajne âSOB Leasing ponúka dodávateºom moÏnosÈ financovaÈ okrem skladovØch aj predvádzacie vozidlá alebo vybavenie servisu a predajne so zvØhodnenØmi podmienkami oproti 0tandardu a s minimálnou administratívnou nároãnosÈou. " Provízny systém âSOB Leasing poskytuje svojim obchodnØm partnerom 0tandard- ne províziu za jednotlivé obchodné prípady v zmysle podmienok stanovenØch v zmluve o obchodnej spolupráci uzatvorenej medzi zmluvnØmi stranami.<br><br> " KalkulaãnØ software âSOB Leasing poskytuje spolupracujúcim dealerom kalkulaãnú pomôcku, ktorú povaÏuje za svoje know-how. Táto pomôcka umoÏÀuje dodávateºovi vypracovaÈ ponuku financovania koncovému zákazníkovi. âSOB Leasing products for suppliers " Financing of dealer networks âSOB Leasing offers to its cooperating companies a possibility to finance stock vehicles by purchasing them from the importer and selling them to the dealer network of the particular brand.<br><br> " Pre-financing of suppliers âSOB Leasing offers to its cooperating suppliers a short-term credit facility for the purchase of stock vehicles depending on the amount of the re-financed turnover. " Part exchange financing âSOB Leasing offers to its suppliers the pre-financing of used vehicles. A vehicle purchased by the supplier from the customer can be pre-financed through âSOB Leasing for a period of up to three months until it is sold to the end customer through a selected âSOB Leasing product or in cash.<br><br> " Financing of showroom vehicles and equipment of service centres and sales points In addition to stock vehicles, âSOB Leasing offers to its suppliers the financing of showroom vehicles and equipment of service centres and sales points under more advantageous conditions than the standards ones with minimum demand on paperwork. " Commission system âSOB Leasing provides its business partners with a commission on individual deals under the conditions laid down in the Cooperation Agreement concluded between the parties. " Calculating software âSOB Leasing provides cooperating dealers with its know-how - a calculator.<br><br> This aid assists suppliers in preparing a quotation tailored to the needs of individual end-customers. Company profile âSOB Leasing 11 Produkty âSOB Leasing pre zákazníkov " FinanãnØ lízing DlhodobØ prenájom s následnou kúpou prenajatej veci, ktorØ umoÏÀuje zákazníkovi uÏívaÈ novØ aj ojazdenØ predmet lízingu. V zmysle platnej legislatívy predmet odpisuje nájomca.<br><br> âSOB Leasing ho poskytuje v modifikácii korunovØ lízing (financovanØ a splácanØ v SKK), devízovØ lízing (financovanØ a splácanØ v EUR) a exchange lízing (financovanØ v EUR, splácanØ v SKK). " SpätnØ lízing FinanãnØ lízing, pri ktorom je dodávateºom predmetu lízingu lízingovØ nájomca. " Relízing FinanãnØ lízing, pri ktorom je dodávateºom predmetu lízingu lízingová spoloãnosÈ.<br><br> Predmet lízingu je odobratØ z predãasne ukonãenej zmluvy. " Sublízing FinanãnØ lízing, pri ktorom nájomca prenajme predmet lízingu na základe písomného súhlasu âSOB Leasing tretej osobe. " Auto na protiúãet Spôsob financovania, pri ktorom zákazník pouÏije svoje ojazdené vozidlo ako protihodnotu na akontáciu na lízing nového vozidla.<br><br> " Sezónny lízing FinanãnØ lízing, pri ktorom nie je vØ0ka mesaãnØch splátok fixná, ale je prispôsobená poÏiadavkám a potrebám zákazníka. " Lízing s poslednou navØ0enou splátkou FinanãnØ lízing, pri ktorom zákazník spláca iba 80 % ceny vozid- la. PoslednØch 20 % môÏe ukonãiÈ tromi spôsobmi 3 doplatením, opätovnØm prelízovaním alebo pouÏitím ako protihodnoty na akontáciu pri uzavretí novej zmluvy.<br><br> âSOB Leasing products for customers " Financial leasing A long-term lease with a purchase option to buy the leased asset; it enables the customer to use new or used equipment. Leased assets are depreciated by the lessee in compliance with the appli- cable laws. âSOB Leasing provides this product in the following alternatives 3 leasing in SKK (financed and repaid in Slovak crowns), leasing in FCY (financed and repaid in foreign currency) and exchange leasing (financed in EUR and repaid in SKK).<br><br> " Lease-back In this type of financial lease, the lessee is the supplier of the leased asset. " Re-lease In this type of financial lease, the leasing company is the supplier of the leased asset. The leased asset is taken out from a prematurely terminated lease agreement " Sub-lease In this type of financial lease, the lessee sub-leases the leased asset to a third party with the written consent of âSOB Leasing.<br><br> " Car in part-exchange In this type of financing, the customer uses his/her used car as a deposit on the new leased car. " Seasonal lease A type of financial lease where the monthly payments are not fixed, but adjusted to the customer 9s needs and requirements. " Leasing with balloon payment In this type of financial lease, the customer pays only 80 % of the vehicle price.<br><br> The remaining 20 % can be paid in the following three ways 3 additional payment, re-lease or part exchange. 12 Profil spoloãnosti âSOB Leasing " SplátkovØ predaj Kúpa majetku na základe kúpnej zmluvy s postupnØm splácaním záväzku. Zákazník je vlastníkom predmetu financovania od podpísania kúpnej zmluvy a prevzatia predmetu.<br><br> Úãtovne ide o nákup a predaj tovaru, predmet financovania odpisuje zákazník. âSOB Leasing ho ponúka v modifikácii korunovØ splátkovØ predaj (financovanØ aj splácanØ v SKK) a devízovØ splátkovØ predaj (financovanØ a splácanØ v EUR). " Sezónny splátkovØ predaj SplátkovØ predaj, pri ktorom nie je vØ0ka mesaãnØch splátok fixná, ale je prispôsobená poÏiadavkám a potrebám zákazníka.<br><br> " SpotrebnØ úver Úver pre fyzické osoby podnikateºov a nepodnikateºov na prefinancovanie osobnØch a úÏitkovØch automobilov. Obstaranie majetku na základe kúpnej zmluvy s postupnØm splácaním záväzku. Zákazník je vlastníkom predmetu finan- covania od podpísania kúpnej zmluvy a prevzatia predmetu.<br><br> VØhodou je zákonom neobmedzené obdobie splácania a moÏnosÈ predãasného splatenia úveru. âSOB Leasing ho ponúka v modifikáciách korunovØ (splácanØ v SKK), devízovØ (splácanØ v EUR, v oboch prípadoch s garantovanou vØ0kou splátky) alebo exchange úver (splátka v SKK kvartálne vypoãítaná podºa kurzu SKK/EUR). " Operatívny lízing KrátkodobØ aÏ strednodobØ prenájom, kde obdobie nájmu je krat0ie ako fyzická a morálna ÏivotnosÈ predmetu lízingu.<br><br> V zmluve o operatívnom lízingu nie je vopred dohodnuté právo kúpy prenajatej veci. âSOB Leasing ho ponúka v modifikácii korunovØ operatívny lízing (financovanØ aj splácanØ v SKK) a devízovØ operatívny lízing (financovanØ a splácanØ v EUR). " Operatívny lízing úãtovno-daÀovØ Je operatívny lízing pre stroje a zariadenia v 1.<br><br> a 2. odpisovej skupine (kancelárska, vØpoãtová a telekomunikaãná technika). " Operatívny lízing full service Je operatívny lízing, kde okrem prenájmu vlastného predmetu lízingu zabezpeãuje âSOB Leasing aj servisné a ìal0ie sprievodné sluÏby súvisiace s pouÏívaním predmetu lízingu.<br><br> Je urãenØ pre dopravnú techniku. " Poistenie âSOB Leasing spolupracuje s poisÈovÀami: âSOB PoisÈovÀa, Allianz 3 Slovenská poisÈovÀa, Kooperatíva, âeská poisÈovÀa 3 Slovensko a Generali. Zákazníkovi staãí iba podpísaÈ lízingovú zmluvu, ktorá zahDÀa aj havarijné poistenie, a predmet lízingu je poistenØ proti v0etkØm beÏnØm rizikám.<br><br> " Poistenie schopnosti splácaÈ splátky Pre fyzické osoby podnikajúce a nepodnikajúce ponúka âSOB Leasing poistenie schopnosti splácaÈ splátky v prípade dlhodobej práceneschopnosti, trvalej invalidity, smrti a straty zamestnania. " Hire purchase The purchase of assets based on a purchase agreement with gradual repayment of the liability. The customer owns the financed asset from the date of signing the purchase agreement and collecting the asset.<br><br> In terms of accounting, it is a purchase and sale of goods; the financed asset is depreciated by the cus- tomer. âSOB Leasing provides this product in the following alter- natives 3 hire purchase in SKK (financed and repaid in Slovak crowns) and hire purchase in FCY (financed and repaid in EUR). " Seasonal hire purchase A type of hire purchase where monthly payments are not fixed, but adjusted to the customer 9s needs and requirements.<br><br> " Consumer loan Loans granted to individuals 3 both entrepreneurs and non- entrepreneurs to re-finance their passenger and utility vehicles. A type of financing where assets are acquired under a purchase agreement with gradual repayment of the liability. The customer owns the financed asset from the date of signing the purchase agreement and collecting the asset.<br><br> This financing offers an unlimited period of repayment as well as loan pre-payment. âSOB Leasing provides this product in the following alternatives 3 consumer loan in SKK (repaid in SKK), consumer loan in FCY (repaid in EUR, with a guaranteed amount of instalments in both cases) or exchange loan (repaid in SKK, calculated quarterly at official SKK/EUR exchange rates). " Operating lease A short-term and mid-term lease where the lease term is shorter than the economic life of leased assets.<br><br> Lease-end purchase option is not agreed in the operating lease agreement in advance. âSOB Leasing provides this product in the following alternatives 3 operating lease in SKK (financed and repaid in SKK) and operating lease in FCY (financed and repaid in EUR). " Accounting and tax operating lease Operating lease of machinery and equipment in the No.<br><br> 1 and 2 depreciation groups (office equipment, IT and telecommunica- tion technology) " Operating lease full service In addition to the lease of assets, âSOB Leasing also provides for customer service and other services related to the use of leased assets. It is designed for transport technology. " Insurance âSOB Leasing cooperates with the following insurance compa- nies: âSOB PoisÈovÀa, Allianz 3Slovenská poisÈovÀa, Kooperatíva, âeská poisÈovÀa 3Slovensko and Generali.<br><br> The cus- tomer only needs to sign the lease agreement that includes motor hull insurance and the leased asset is insured against all common risks. " Lease Payment Insurance âSOB Leasing offers individuals 3 both entrepreneurs and non- entrepreneurs 3 a form of insurance covering their ability to pay instalments in the event of work incapacity, permanent disabili- ty, death and loss of employment. Company profile âSOB Leasing 13 14 Profil spoloãnosti âSOB Leasing âSOB Leasing poisÈovací maklér, s.<br><br> r. o., je 100 % dcérska spoloãnosÈ âSOB Leasing a vznikla 1. júla 2004.<br><br> SpoloãnosÈ ponúka komplexné sluÏby a poradenstvo v oblasti poistenia. âSOB Leasing poisÈovací maklér, s. r.<br><br> o., je partnerom najvØznamnej0ích a kapitálovo najstabilnej0ích poisÈovní pôsobiacich na slovenskom trhu (âSOB PoisÈovÀa, a. s., Allianz 3 Slovenská poisÈovÀa, a. s., Generali PoisÈovÀa, a.<br><br> s., KOOPERATÍVA poisÈovÀa, a.s.). Hlavnou ãinnosÈou spoloãnosti je poskytovanie odbornØch sluÏieb pri sprostredkovaní poistenia a odbornom poradenstve v oblasti poisÈovníctva, predov0etkØm pre zákazníkov spoloãnosti âSOB Leasing, a.s., pri poistení predmetov financovania. âSOB Leasing poisÈovací maklér, s.<br><br> r. o., ponúka sprostredkovanie dojednania vØhodného poistenia aj pre zákazníkov, ktorí nie sú jeho klientmi. V portfóliu poistnØch produktov, ktoré ponúka âSOB Leasing poisÈovací maklér, s.<br><br> r. o., zákazníkom pri uzatvorení zmluvy, sú vØhodné produkty poistenia automobilov, poistenia strojov a zariadení, poistenia schopnosti splácaÈ splátky a ponuka povinného zmluvného poistenia s poistnØm v splátkach pri produktoch âSOB Leasing. SpoloãnosÈ taktieÏ ponúka moÏnosÈ sprostredko- vania vØhodnej ponuky poistenia po ukonãení zmluvy v âSOB Leasing.<br><br> V roku 2006 âSOB Leasing poisÈovací maklér, s. r. o., roz0íril produktovú 0kálu o produkt GAP âSOB Leasing poisÈovací maklér, s.r.o.<br><br> (âSOB Leasing insurance broker, ltd.) has operated in the Slovak market since July 1, 2004. The company is a 100% subsidiary of âSOB Leasing. âSOB Leasing poisÈovací maklér, s.r.o.<br><br> is a partner of the most important and, in terms of share capital, also the strongest insurance companies present in the Slovak insurance market (âSOB PoisÈovÀa, a.s., Allianz 3 Slovenská PoisÈovÀa, a.s., Generali PoisÈovÀa, a. s., KOOPERATÍVA poisÈovÀa, a.s.). The company 9s business is focused on professional services provided especially to âSOB Leasing clients in relation to insurance mediation and consultancy in the insurance sector.<br><br> Upon request, the company is able to arrange advantageous insurance also for non-clients. The portfolio of insurance products offered by âSOB Leasing poisÈovací maklér, s.r.o. to its clients, when taking out insurance, includes advantageous insurance of passenger cars, machinery and equipment, lease payment insurance and compulsory insurance with the possibility to pay premiums in instalments for âSOB Leasing products.<br><br> In addition, the Company offers insurance mediation after the termination of an insurance policy taken out in âSOB Leasing. In 2006, âSOB Leasing poisÈovací maklér, s.r.o. extended its product portfolio by a GAP product âSOB Leasing poisÈovací maklér, s.<br><br> r. o. âSOB Leasing poisÈovací maklér, s.<br><br> r. o. Company profile âSOB Leasing 15 (insurance of the difference between acquisition cost and insurance compensation provided by the insurance company in the event of theft and permanent damage to transport technology in a car crash).<br><br> In case of motor hull insurance and compulsory insurance of passenger and utility cars and trucks financed through âSOB Leasing, the Company offers complete insurance conditions with guaranteed premiums during the entire lease term, while the premium is charged excluding VAT. The process of arranging insurance with respect to âSOB Leasing products is easy and quick. The customer can take out insurance in one place 3 cunder one roof d 3 directly when signing the policy and the premium is paid together with instalments for leased assets.<br><br> As at December 31, 2006, âSOB Leasing poisÈovací maklér, s.r.o. managed a total of 33 180 insurance policies for assets financed through âSOB Leasing and insurance policies of individual clients. The volume of mediated premium amounted to more than SKK 452 million.<br><br> The aim of âSOB Leasing poisÈovací maklér, s.r.o. is to extend the portfolio of its products, to improve the quality and level of provided services and to react prompt- ly to the needs and requirements of âSOB Leasing clients. (poistenie rozdielu medzi obstarávacou cenou a poistnØm plnením poisÈovne v prípade odcudzenia a totálneho po0kodenia dopravnej techniky pri havárii).<br><br> V prípade havarijného poistenia a povinného zmluv- ného poistenia osobnØch, úÏitkovØch a nákladnØch vozi- diel financovanØch prostredníctvom âSOB Leasing, a.s., ponúka komplexné podmienky poistenia s garantovanou vØ0kou poistného poãas celého obdobia lízingu, priãom poistné nie je zaÈaÏené sadzbou DPH. Proces dojednania poistenia v prípade vyuÏitia produk- tov âSOB Leasing, a.s., je nenároãnØ a rØchly. Zákazník si dohodne zmluvné podmienky poistenia epod jednou stre- chou c priamo pri podpise zmluvy a poistné je platené spolu so splátkami za predmet lízingu.<br><br> âSOB Leasing poisÈovací maklér, s. r. o., mal k 31.<br><br> 12. 2006 v správe celkovo33 180 poistnØch zmlúv na predme- ty financované spoloãnosÈou âSOB Leasing, a.s. a poistnØch zmlúv individuálnych klientov a objem sprostredkovaného poistného bol v sume viac ako 452mil.<br><br> Sk. Cieºom âSOB Leasing poisÈovací maklér, s. r.<br><br> o., v ìal0om období zostáva roz0irovanie portfólia poskytovanØch sluÏieb, zvy0ovanie kvality a odbornosti poskytovanØch sluÏieb, s ohºadom na prozákaznícky prístup a umoÏnenie pruÏného reagovania na potreby a poÏiadavky zákazníkov âSOB Leasing, a.s. 16 Profil spoloãnosti âSOB Leasing âSOB Leasing ako súãasÈ finanãnej skupiny âSOB âSOB Leasing, a member of the âSOB Group Cieºom a prioritou celej finanãnej skupiny âSOB je poskyto- vaÈ komplexné finanãné sluÏby podnikateºskØm aj nepod- nikateºskØm subjektom. Finanãná skupina âSOB poskytuje klientom v súãasnosti finanãné sluÏby v nasledujúcich oblastiach: stavebné sporenie a hypotéky, Ïivotné a neÏi- votné sporenie, lízing, správa aktív, dôchodkové sporenie, kolektívne investovanie a factoring.<br><br> âlenmi skupiny âSOB na Slovensku sú tieto finanãné in0titúcie: âeskoslovenská obchodní banka, a.s., âSOB Leasing, a.s., âSOB DSS, a.s., âSOB stavebná sporiteºÀa, a.s., âSOB Factoring, a.s., âSOB PoisÈovÀa, a.s. a âSOB Asset Management, a.s. âSOB, a.<br><br> s. âeskoslovenská obchodní banka, a.s. (âSOB), pôsobí na dvoch národnØch trhoch 3 na ãeskom a slovenskom.<br><br> Ako univerzálna banka ponúka plnØ rozsah bankovØch sluÏieb pre firmy aj fyzické osoby. âSOB pôsobí na slovenskom trhu od roku 1993 a jej najväã0ím akcionárom je stabilná finanãná skupina KBC. V máji 2006 âSOB úspe0ne zaviedla na trh investiãné Ïivot- né poistenie 3 Unit Linked products 3 sporiaci program âSOB Invest a dve emisie jednorazovo plateného programu âSOB Invest Garant.<br><br> SpoloãnosÈ zaznamenala v roku 2006 nárast penetrácie bankovØch a poisÈovacích produktov. âSOB na zaãiatku roka 2006 zareagovala na problém nedostatku hypoték pre cieºovú skupinu do 36 rokov novou âSOB Hypotékou s najniÏ0ou splátkou. CelkovØ objem poskytnutØch hypoték âSOB predstavoval za rok 2006 5,790 mld.<br><br> Sk. âSOB sa v roku 2006 sústredila aj na 0pecifické financo- vanie komunálneho a verejného sektora a pokraãovala v stratégii vØvoja 0pecializovanØch produktov, v ktorØch banka dokáÏe podmienky prispôsobiÈ ena mieru c danému odvetviu. Za rok 2006 sa âSOB podarilo dostaÈ sa vo financovaní developerskØch projektov na objem 7,519 mld.<br><br> Sk. The main objectives and priority of the âSOB Group is to provide complex financial services to business and non- business entities. âSOB Group provides its clients with services in the following areas: building society savings and mortgages, life and non-life insurance, leasing, asset management, pension savings, collective investment and factoring.<br><br> The following financial institutions are members of the âSOB Group: âeskoslovenská obchodní banka, a.s., âSOB Leasing, a.s., âSOB DSS, a.s., âSOB stavebná sporiteºÀa, a.s., âSOB Factoring, a.s., âSOB PoisÈovÀa, a.s. and âSOB Asset Management, a.s. âSOB, a.<br><br> s. âeskoslovenská obchodní banka, a.s. (âSOB) operates in two national markets 3 Czech Republic and Slovakia.<br><br> As a universal bank it offers the full range of banking services for both companies and private individuals. âSOB has operated in the Slovak market since 1993 and its major shareholder is the KBC financial group. In May 2006, âSOB successfully introduced onto the mar- ket Unit Linked products - investment life insurance, âSOB Invest - a savings program and âSOB Invest Garant - two issues of one-time payment program.<br><br> At the beginning of the year2006, âSOB introduced a new mortgage (âSOB Hypotéka) with the lowest instalment, thus reacting to the lack of mortgages for the target group aged up to 36 years on the market. In 2006, the total vol- ume of mortgages granted by âSOB amounted to SKK 5,790 bil. In 2006, âSOB focused its attention to the specific financ- ing of communal and public sector and continued in the development of specialized products tailored-made for the particular sector.<br><br> In 2006, âSOB concluded deals to finance development projects worth SKK 7.519 bil. Company profile âSOB Leasing 17 âSOB Asset Management, a. s.<br><br> âSOB Asset Management, a.s., si naìalej udrÏal pozíciu lídra v oblasti zaistenØch fondov. Za rok 2006 dosiahol âSOB Asset Management, a.s., podiel na trhu vo vØ0ke 10,56 %, ão predstavuje posun o 3 % v medziroãnom porovnaní. Objem spravovaného majetku spoloãnosÈou predstavuje 13,963 mld.<br><br> Sk. VØraznØm úspechom roku 2006 bolo dosiahnutie 8,1 % vØnosu pre klientov pri splat- nosti vôbec prvého zaisteného fondu (FUND PARTNER CSOB EQUITY PLUS 1 3 r. 2003).<br><br> âSOB Factoring, a. s. âSOB sa v apríli odkúpením 50 % akcionárskeho podielu od holandskej spoloãnosti NMB-Heller Holding stala 100 % vlastníkom ãeskej factoringovej spoloãnosti O.B.<br><br> HELLER, a.s. a jej slovenskej dcérskej spoloãnosti OB HELLER Factoring, a.s. Za rok 2006 dosiahla spoloãnosÈ âSOB Factoring 9,5 % podiel na slovenskom trhu s objemom novØch obchodov 4,270 mld.<br><br> Sk. âSOB PoisÈovÀa, a. s.<br><br> Najväã0ím úspechom âSOB PoisÈovne, a.s., v roku 2006 bol predaj produktu Spektrum (veºké poistné krytie a sporenie s garantovanou úrokovou mierou) a zdvojná- sobenie poãtu agents offices. Objem predpísaného poistného dosiahol za rok 2006 1,914 mld. Sk, z toho Ïivotné poistenie tvorí 1,026 mld.<br><br> Sk. âSOB DSS, a. s.<br><br> âSOB DSS, a.s., spravovala ku koncu roka majetok v objeme 1,59 mld. Sk a sporilo v nej 100 000 klientov v rámci 2. piliera dôchodkového systému.<br><br> âSOB Asset Management, a. s. âSOB Asset Management, a.s.<br><br> has strengthened its leading position in the area of secured funds. In 2006, its market share was 10.56%, a 3% year-on-year growth. The com- pany managed assets worth SKK 13,963 bil.<br><br> and generated 8.1% yields for its clients when the first secured fund was due (2003 - FUND PARTNER CSOB EQUITY PLUS 1). âSOB Factoring, a. s.<br><br> In April, âSOB became a 100% shareholder of O.B. HELLER a.s., a Czech factoring company and OB HELLER Factoring a.s, its subsidiary following the acquisition of a 50% share from NMB-Heller Holding, a Dutch company. In 2006, âSOB Factoring had a 9.5% share in the Slovak market with new deals worth SKK 4,270 bil.<br><br> âSOB PoisÈovÀa, a. s. The greatest success of âSOB PoisÈovÀa in 2006 was the sale of the Spektrum product (advantageous insurance cover and savings at a fixed interest rate) and an increase in agent offices by two-fold.<br><br> In 2006, the volume of subscribed premium totalled SKK 1,914 bil., of which SKK 1,026 bil. was life insurance. âSOB DSS, a.<br><br> s. At the end of the year, âSOB DSS, a.s. managed assets worth SKK 1.59 bil.<br><br> and 100,000 clients were saving under Pillar 2 pension scheme. 18 Profil spoloãnosti âSOB Leasing Správa predstavenstva o podnikateºskej ãinnosti a stave majetku âSOB Leasing, a. s., k 31.<br><br> decembru 2006 Report from the Board of Directors on Performance and Review of Assets of âSOB Leasing, a.s. as at December 31, 2006 Overall economic situation in Slovakia In 2006, the economic growth was the fastest in its history. GDP grew by 8.3% year-on-year, thus ranking the Slovak economy among the fastest growing economies in the world.<br><br> In terms of consumption, the above growth was promoted by a year-on-year acceleration of foreign demand to 22.6%* and a continuing growth in domestic demand of 4.1%*. In terms of production, the growth was stimulated by the achieved performance in industry, trade and finan- cial services. In 2006, two newly built automotive plants that started their operation, namely KIA in Îilina and PSA and a growth in the electrical engineering industry (Samsung Slovakia, Sony) significantly contributed to an increase in exports and added value in industry.<br><br> Since a further increase in their production is expected in 2007, it can be assumed that they will continue to contribute significantly to future economic growth. The growth in GDP was stimulated especially by an increase in household consumption of 6.1%*, particularly due to a rise in employment of 2.3%*. Celková ekonomická situácia v SR Rast hospodárstva v roku 2006 bol najrØchlej0ím v doteraj0ej histórii Slovenska.<br><br> HrubØ domáci produkt vzrástol v medziroãnom vyjadrení v priemere o 8,3 %, ãím sa slovenská ekonomika radí medzi najrØchlej0ie rastúce ekonomiky sveta. VØvoj z hºadiska spotreby ovplyvnilo medziroãné zrØchle- nie zahraniãného dopytu na 22,6 %* a pretrvávajúci rast domáceho dopytu o 4,1 %*. Z produkãného pohºadu nárast súvisel predov0etkØm s dosiahnutou vØkonnosÈou v priemysle, ale aj v obchode a vo finanãnØch sluÏbách.<br><br> V roku 2006 sa rozbehla vØroba v dvoch novopostavenØch automobilkách, KIA v Îiline a PSA, ako aj rast v elektro- technickom priemysle (Samsung Slovakia, Sony), ktoré vØznamne ovplyvnili takrast exportu Slovenska, akoaj pridanú hodnotu v priemysle. KeìÏe v roku 2007 sa oãakáva ìal0ie zvØ0enie ich produkcie, dá sa predpo- kladaÈ, Ïe budú ìalej vØznamne prispievaÈ k budúcemu rastu ekonomiky. Rast domáceho dopytu bolovplyvnenØ najmä rastom spotreby domácností o 6,1 %*, ktorØ moÏno vysvetliÈ predov0etkØm nárastom zamestnanosti o 2,3 %*.<br><br> Company profile âSOB Leasing 19 Another important factor influencing the Slovak economy was the appreciation of the Slovak currency that in 2006 strengthened by SKK 3.28* against the Euro, i.e. 8.7%. In 2006, the inflation index reported negative trends reaching 4.5%*.<br><br> In addition to the favourable economic environment, the Slovak economy has accelerated its growth also thanks to the stable legislation and tax environment. In 2006, the National Bank of Slovakia increased the basic interest rate from 3.00 % at the beginning of the year to 4.75 % at the year-end which, along with the growing competitive environment on the leasing market, contributed to a growth in companies 9 interest expenses. Since companies in the leasing market did not fully reflect this growth in expenses in final customer prices, lease margins fell as a consequence.<br><br> Although the National Bank of Slovakia did not change the interest rate, expectations of commercial banks in the future positive development of the interest contributed to a year-end drop in the value of mid-term and long-term funds the companies used for their financing which consequently resulted in the growth and stabilization of lease margins. ëal0ím vØznamnØm faktorom ovplyvÀujúcim slovenskú ekonomiku bolo posilÀovanie slovenskej koruny, ktorá v roku 2006 posilnila voãi euru o 3,28 Sk*, ão predstavuje zmenu o 8,7 %. Negatívny trend poãas roku 2006 zaznamenal index inflácie, ktorØ dosiahol 4,5 %*.<br><br> Okrem priaznivého ekonomického prostredia pôsobilo pozitívne na ekonomiku aj stabilné legislatívne a daÀové prostredie. Národná banka Slovenska (NBS) v niekoºkØch krokoch v roku 2006 zvØ0ila základnú úrokovú sadzbu z 3,00 % na poãiatku roku na koncoroãnú sadzbu 4,75 %, ão spolu s rastom konkurenãného prostredia na lízingovom trhu spôsobilo nárast úrokovØch nákladov spoloãnosti. KeìÏe spoloãnosti na lízingovom trhu tento rast nákladov nepremietli v celej miere do koncovØch zákazníckych cien, dôsledkom bol následnØ celkovØ pokles lízingovØch marÏí na trhu.<br><br> Napriek tomu, Ïe NBS túto sadzbu nezmenila, oãakávania komerãnØch bánk pozitívneho vØvoja tejto sadzby do budúcnosti sa prejavili ku koncu roku poklesom hodnoty strednodobØch a dlhodobØch finanãnØch zdrojov, ktoré spoloãnosÈ primárne pouÏíva na svoje financovanie,a tak do0lo k opätovnému nárastu a stabilizácii lízingovØch marÏí. Source: *preliminary estimates by the Statistical Office of the Slovak Republic Zdroj: * predbeÏnØ odhad ·tatistického úradu SR 20 Profil spoloãnosti âSOB Leasing VØvoj lízingového trhu PriaznivØ vØvoj ekonomiky mal vØraznØ vplyv aj na vØsledky lízingového trhu. Financovanie hnuteºnØch a nehnuteºnØch predmetov prostredníctvom lízingovØch spoloãností (LS), zdruÏenØch v Asociácii lízingovØch spoloãností Slovenskej republiky (ALS), pokraãovalo vysokØm tempom rastu aj poãas roka 2006.<br><br> Trh s hnuteºnØmi predmetmi medziroãne narástol o 26,4 % a financovanie nehnuteºností lízingovØmi spoloãnosÈami taktieÏ zaznamenalo medziroãnØ nárast, a to o 26,7 %. Napriek viacnásobnému rastu úrokovØch sadzieb dopyt po finanãnØch produktoch neklesol. Nahriata ekonomika Èahaná investiãnou vØstavbou, rozvíjajúcou sa vØrobou v automobilovom priemysle a subdodávateºskom sektore a celkovØ priaznivØ vØvoj hospodárstva mali za následok jeden z najvØznamnej0ích rastov na lízingovom trhu za posledné obdobie.<br><br> Komodity V rámci komodít dosiahlo najvy00í absolútny objem finan- covanie osobnØch automobilov 3 konkrétne 22,8 mld. Sk. Najvy00í prírastok obratu i trhového podielu zaznamenali úÏitkové automobily, ktoré narástli z 4,2 mld.<br><br> Sk na 10,9 mld. Sk, ãím sa ich komoditnØ trhovØ podiel zvØ0il z 3,4 % na 15,1 %. Pod tento nárast sa podpísalo oÏivenie pod- nikateºskØch aktivít men0ích firiem vyuÏívajúcich klasické úÏitkové vozidlá, ako aj rastúci záujem podnikateºov o úÏitkové verzie osobnØch áut, pri ktorØch je moÏnosÈ daÀového odpoãtu.<br><br> Tempo rastu v komodite nákladné automobily bolo mierne nad úrovÀou rastu trhu, trhovØ podiel medzi komoditami sa tØm upevnil o takmer 1 % na 22,1 % a obrat narástol o 3,8 mld. Sk. Komodita stroje a zariadenia si z hºadiska obratu svoje druhé miesto udrÏala, jej medziroãnØ rast o 18,5 % pri celkovom obrate 16,5 mld.<br><br> Sk bol pod rastom trhu a trhovØ podiel SaZ sa tak zníÏil o 1,5 % na 22,7 %. Financovanie nehnuteºností vzrástlo o 0,7 mld. Sk a ich komoditnØ podiel dosiahol takmer 5 %.<br><br> Z vØsledkov je jasné, Ïe na trhu vØrazne rástli klasické lízingové komodity 3 stroje a zariadenia, nákladné a úÏitkové automobily, ale aj lízing nehnuteºností. Development of leasing market The healthy economic development significantly influ- enced the results of the leasing market. Financing of movable and immovable assets through leasing companies belonging to the Slovak Association of Leasing Companies continued at a fast pace also in 2006.<br><br> The real estate market grew by 26.4% year-on-year and financing of real property by leasing companies reported a year-on-year growth of 26.7%. Demand for financial products has not been negatively affected by the growth in interest rates. The booming economy stimulated by investment construction, growing production in the automotive industry and subcontracting sector and the overall healthy economic development resulted in the most dramatic growth in the leasing market over the last years.<br><br> Commodities The highest volume of all commodities was reached by the financing of passenger vehicles totalling SKK 22.8 bil. Utility vehicles reported a greatest turnover and market share increase from SKK 4.2 bil. to SKK 10.9 bil., thus increasing their commodity market share from 3.4% to 15.1%.<br><br> The above growth was promoted by both a revival of business activities of smaller enterprises using standard utility vehicles and a growing interest of entrepreneurs in utility models of passenger cars where tax deductions are allowed by law. The growth in the financing of trucks was slightly above market growth; the market share between commodities was strengthened by almost 1% to 22.1% and turnover grew by SKK 3.8 bil.In terms of turnover, the segment of machinery and equipment secured its second position; its year-on-year growth of 18.5% with a total turnover of SKK 16.5 bil. was below market growth and its market share thus decreased by 1.5% to 22.7%.<br><br> The financing of real property increased by SKK 0.7 bil. and its commodity share reached almost 5%. The above results show that the following commodities grew significantly 3 machinery and equipment, trucks and utility vehicles and lease of real property.<br><br> Company profile âSOB Leasing 21 Rast záujmu o lízing nehnuteºností sa prejavil v dvoch oblastiach. Je to financovanie novej vØstavby, kde develo- perské spoloãnosti uprednostÀujú lízing pred klasickØm úverovØm financovaním z dôvodu rØchlej0ieho odpisovania nehnuteºností. Druhou oblasÈou je spätnØ lízing existujú- cich stavieb, pri ktorom podnikateºské subjekty získajú do podnikania prostriedky viazané v nehnuteºnostiach.<br><br> Rast cien nehnuteºností v poslednØch rokoch spôsobil, Ïe pri prevode vlastníctva nehnuteºnosti na lízingovú spoloãnosÈ dostane firma spravidla vy00iu sumu, ako do nehnuteºnosti pri obstaraní investovala. Tento fakt prispieva k atraktívnosti lízingu existujúcich stavieb a ovplyvní záujem o tento typ financovania aj v nasledujúcom období. A growing interest in the lease of real property was reflected in two areas, namely financing of new construc- tion where development companies prefer leasing to stan- dard credit facilities due to quicker depreciation of real estate and lease-back of existing construction sites where business entities get for their business the funds that are blocked in real estate.<br><br> As a result of the recent growth in real estate prices, a firm, when transferring title to a leasing company, usually gets a higher amount than the cost it invested in the acquisition of real estate. The above fact makes the lease of existing construction sites more attractive and will continue to stimulate interest in this type of financing also in the future. Obrat a podiel komodít na celkovom financovaní trhu cez LS (v mil.<br><br> Sk) Turnover and commodity share in the total market financing through LCs (in SKK million) Zdroj: ALS SR, Source: ALC Komodita /Obdobie Commodity /Period OA Passenger cars UA Utility cars NA Trucks SaZ Machineryand equipment IT IT Lode, lietadlá, Ïel. vozne Ships, planes, railway carriages Ostatné Others Spoluhnuteºné predmety Totalmovable property Nehnuteºnosti Real property Spolu hnuteºné + nehnutnuteºnosti Total movable + real property Obrat v r. 2004 (mil.<br><br> Sk) Turnover in 2004 (SKK mil.) 18 587 4 911 10 230 9 505 479 120 769 44 600 1 503 46 103 TrhovØ podiel v r. 2004 Market share in 2004 40,3 % 10,7 % 22,2 % 20,6 % 1,0 % 0,3 % 1,7 % 96,7 % 3,3 % 100,0 % TrhovØ podiel v r. 2006 Market share in 2006 31,4 % 15,1 % 22,1 % 22,7 % 1,0 % 1,2 % 1,8 % 95,3 % 4,7 % 100,0 % TrhovØ podiel v r.<br><br> 2005 Market share in 2005 35,0 % 11,7 % 21,3 % 24,3 % 1,0 % 0,6 % 1,4 % 95,4 % 4,6 % 100,0 % Medziroãná zmena obratu v r. 2004-05 Year-on-year turnoverchange in 2004-05 8,0 % 36,5 % 19,3 % 46,4 % 24,2 % 195,8 % 6,0 % 22,6 % 77,4 % 24,4 % Medziroãná zmena obratu v r. 2005-06 Year-on-year turnoverchange in 2005-06 13,4 % 62,9 % 31,2 % 18,5 % 21,5 % 145,4 % 64,0 % 26,4 % 26,7 % 26,4 % Obrat v r.<br><br> 2005 (mil. Sk) Turnover in 2005 (SKK mil.) 20 076 6 704 12 208 13 919 595 354 815 54 671 2 666 57 337 Obrat v r. 2006 (mil.<br><br> Sk) Turnover in 2006 (SKK mil.) 22 771 10 920 16 013 16 491 723 869 1 337 69 124 3 377 72 501 22 Profil spoloãnosti âSOB Leasing Produkty Pri porovnaní produktov, ktoré lízingové spoloãnosti poskytujú svojim zákazníkom pri financovaní, pri0lo k zvØ0enému záujmu zo strany zákazníkov najmä o spotrebiteºskØ úver (SÚ). Záujem o tento produkt stúpa kaÏdoroãne ku koncu kalendárneho roka, pod ktorØ sa podpisuje záujem firiem získaÈ plnØ roãnØ daÀovØ odpis obstarávaného majetku. Nárast na úkor finanãného lízingu je spôsobenØ aj vy00ou pruÏnosÈou lízingovØch spoloãností a ich roz0irujúcou sa 0kálou finanãnØch produktov.<br><br> Zákazník sa na základe svojich momentálnych potrieb rozhoduje o vØbere produktu, priãom jedná len s jednou finanãnou in0titúciou, ktorá so znalosÈou bonity pripraví cenovo zaujímavú ponuku. Mierny pokles záujmu zo strany zákazníkov zaznamenal finanãnØ lízing (FL) v prospech operatívneho lízingu (OL), splátkového predaja (SP) a predov0etkØm spotrebiteºského úveru. Narastá skupina firiem, ktoré dávajú prednosÈ operatívnemu lízingu z dôvodu lep0ieho riadenia cash-flow a zvØ0enia flexibility spravovania firemného vozového parku.<br><br> Podiel FL na konci roka 2006 dosiahol 73,9 %, resp. objem 51,1 mld. Sk.<br><br> Financovanie cez SÚ pritom z hºadiska absolútneho objemu narástlo z 2/3, tak ako financovanie Products Surveys of products provided by leasing companies to their customers show that customers are especially interested in consumer loans. The interest in this product increases always at the year-end when companies try to get a full annual tax depreciation of assets acquired. The above growth, at the expense of finance leases, is also stimula- ted by higher flexibility of leasing companies and their expanding product range.<br><br> Depending on their actual needs customers decide what product to choose and they deal only with one financial institution that, knowing the customer 9s credibility, prepares an interesting quotation. Customers showed a slightly lower interest in financial leasing in favour of operating leases, hire pur-chase and consumer loans. A number of companies, who prefer operating leases due to better cash-flow management and higher flexibility of corporate car fleet management, is increasing.<br><br> At the end of 2006, the share of financial leasing took 73.9% or SKK 51.1 bil. in terms of total volume, the financing through consumer loans grew by 2/3 similarly to financial leases (SKK 4.4 bil. compared to SKK 6.7 bil.), thus becoming the second strongest product on the leasing market with a 14.5% share.<br><br> The share of operating cez FL (4,4 mld. Sk vs. 6,7 mld.<br><br> Sk), ãím sa s prehºadom stalo druhØm najsilnej0ím produktom na lízingovom trhu s podielom 14,5 %. Podiel OL a SP medzi produktmi sa zvØ0il na 4 3 7 % a aj napriek vysokØm medziroãnØm nárastom dosahujú tieto produkty jednotlivo stále obraty 3 3 5 mld. Sk.<br><br> lease and consumer loans grew to 4 3 7% and despite a high year-on-year increase these products report steady turnovers of SKK 3 3 5 bil. Company profile âSOB Leasing 23 Obrat a podiel produktov na celkovom financovaní hnuteºného trhu cez LS (v mil. Sk) Turnover and product share in the total fin.of the market of movable property through LCs (in SKK million) Zdroj: ALS SR, Source: ALC Komodita /Obdobie Commodity /Period FinanãnØ lízing Financial leasing Operatívny lízing Operating lease Predaj na splátky Hire purchase SpotrebiteºskØ úver Consumer loan Spolu produkty na hnuteºnom trhu Total products TrhovØ podiel v r.<br><br> 2005 Market share in 2005 81,2 % 5,4 % 3,0 % 10,4 % 100,0 % Medziroãná zmena obratu v r. 2005-06 Year-on-year turnover change in 2005-06 15,1 % 65,4 % 89,2 % 76,5 % 26,4 % Obrat v r. 2005 (mil.<br><br> Sk) Turnover in 2005 (SKK mil.) 44 368 2 959 1 656 5 688 54 671 TrhovØ podiel v r. 2006 Market share in 2006 73,9 % 7,1 % 4,5 % 14,5 % 100,0 % Obrat v r. 2006 (mil.<br><br> Sk) Turnover in 2006 (SKK mil.) 51 057 4 893 3 134 10 040 69 124 24 Profil spoloãnosti âSOB Leasing Konkurenãné prostredie lízingového trhu âSOB Leasing na celkovom trhu medziroãne narástol o 29,7 %, ãím si svoj trhovØ podiel posilnil o 0,4 % na aktuálnych 16,7 %. Na0a spoloãnosÈ tak aktuálne financovala uÏ 1/6 z tohto trhu a potvrdila na Àom druhé miesto s obratom 12 117 mil. Sk.<br><br> CelkovØ trh, financovanØ cez lízingové spoloãnosti zdruÏené v Asociácii lízingovØch spoloãností SR, medziroãne narástol o 26,4 %, teda o15,2 mld. Sk na 72,5 mld. Sk.<br><br> âSOB Leasing dosiahol mimoriadne vØsledky, keì v 10. roku svojej existencie dosiahol prvé miesto vo financovaní komodít SZ a NA, potvrdil svoje vØznamné postavenie v komodite OUA, priãom v druhom roku po svojom vstupe do financovania ojazdenØch OUA obsadil prvé miesto. Za vØraznØ úspech moÏno povaÏovaÈ veºmi úspe0nØ vstup âSOB Leasing do financovania nehnuteºností, keì sme obsadili druhé miesto.<br><br> Napriek konkurenãne saturovanému lízingovému trhu a silnejúcemu tlaku bankovØch skupín na0a spoloãnosÈ medziroãne dokázala najviac zvØ0iÈ svoj celkovØ objem obchodov 3 aÏ o 2 776 mil. Sk ,ãím sa dostala na prvé miesto medzi lízingovØmi spoloãnosÈami v medziroãnom náraste objemu obchodov .Táto suma predstavuje 29 % nárast obratu, ão je nad priemerom lízingového trhu daného roku a zároveÀ je to najvy00í rast za poslednØch päÈ rokov. Competitive environment of leasing market âSOB Leasing grew in the total market by 29.7% on a year-on- year basis, thus strengthening its market share by 0.4% to the current 16.7%.<br><br> Our company has financed 1/6 of the market and secured its second place with a turnover of SKK 12,117 mil. The total market, financed by leasing companies in the Slovak Association of Leasing Companies, grew by 26.4% year-on-year from SKK 15.2 bil. to 72.5 bil.âSOB Leasing achieved outstand- ing results when in its 10th year of operation it was ranked No.<br><br> 1 in the sector of financing machinery and equipment and trucks. The company also confirmed its important position in the financ- ing of passenger and utility vehicles when it was ranked No. 1 in the 2nd year of financing used passenger and utility vehicles.<br><br> Another important success is that âSOB Leasing started financing real estate and it was ranked as second in this market segment. Despite the saturated leasing market and growing pressure of banking groups, our company was able to increase its total volume of deals by SKK 2,776 mil. 3 thus becoming number one among leasing companies in terms of a year-on-year growth in deals.<br><br> This amount represents a 29% turnover growth, which is above the 2006 leasing market average and the highest rise in the last five years. Lízingová spoloãnosÈ spolu/ Obdobie Leasingcompany total/ Period CAC Leasing âSOB Leasing VWFS Leasing VB Leasing Tatra Leasing BOF SLSP Leasing OTP Leasing DCHFSS S Slovensko Spolu trh Total market CelØ trh (v mil. Sk) Total market (in SKK millions) Zdroj: ALS SR, Source: ALC Company profile âSOB Leasing 25 Obrat v r.<br><br> 2005 (v mil. Sk) Turnover in 2005 (SKK mil.) 10 705 9 341 4 653 6 601 4 858 3 486 2 419 3 170 2 724 1 254 57 337 Obrat v r. 2006 (v mil.<br><br> Sk) Turnover in 2006 (SKK mil.) 12 916 12 117 7 104 7 020 7 014 4 168 3 915 2 864 2 621 1 505 72 501 TrhovØ podiel v r. 2005 Market share in 2005 18,7 % 16,3 % 8,1 % 11,5 % 8,5 % 6,1 % 4,2 % 5,5 % 4,8 % 2,2 % 100,0 % TrhovØ podiel v r. 2006 Market share in 2006 17,8 % 16,7 % 9,8 % 9,7 % 9,7 % 5,7 % 5,4 % 4,0 % 3,6 % 2,1 % 100,0 % Nárast obratu v r.<br><br> 2005-06 Turnover growth in 2005-06 20,7 % 29,7 % 52,7 % 6,3 % 44,4 % 19,6 % 61,8 % -9,7 % -3,8 % 20,0 % 26,4 % Rozdiel obratu v r. 2005-06 Turnover difference in 2005-06 2 212 2 776 2 451 419 2 156 682 1 496 -306 -103 251 15 164 Rozdiel trhového podielu v r. 2005-06 Market share difference in 2005-06 -0,9 % 0,4 % 1,7 % -1,8 % 1,2 % -0,3 % 1,2 % -1,6 % -1,1 % -0,1 % - TrhovØ podiel v roku 2006 Market share in 2006 ostatné others 36% Tatra Leasing 9,7% VB Leasing 9,7% VWFS Leasing 9,8% CAC Leasing 17,8% âSOB Leasing 16,7 % TrhovØ podiel v roku 2005 Market share in 2005 ostatné others 36,9 % Tatra Leasing 8,5% VB Leasing 11,5% VWFS Leasing 8,1% CAC Leasing 18,7% âSOB Leasing 16,3% 26 Profil spoloãnosti âSOB Leasing Financovanie hnuteºnØch predmetov UÏ po druhØ rok za sebou na trhu financovania hnuteºnØch predmetov âSOB Leasing obhájil prvé miesto, tentoraz s obje- mom 11 574 mil.<br><br> Sk a podielom 16,7 %, priãom náskok âSOB Leasingu v trhovom podiele pred ìal0ou lízingovou spoloãnosÈou v poradí bol 0,4 %, resp. z hºadiska obratu to bolo 325 mil. Sk, najmä vØraznØm úspechom v na0ich tradiãnØch komoditnØch SZ a NA.<br><br> Tu sa prejavili dlhoroãné skúsenosti âSOB Leasingu, spolupráca s vØznamnØmi dodávateºmi a vysoká návratnosÈ klientov vyuÏívajúcich finanãné produkty na0ej spoloãnosti. Dlhodobé prvenstvo na trhu v tØchto komoditách je odrazom úspe0nej stratégie spoloãnosti a orientácia na tieto klasické komodity. Trh vo financovaní hnuteºnØch predmetov narástol o 26,4 % aÏ na úroveÀ 69,1 mld.<br><br> Sk, ão znamená rast o 14,5 mld. Sk. Financing of movable property âSOB Leasing was able to defend its first place in the financing of movable property for the second year in a row, this time with a volume of SKK 11,574 mil.<br><br> and a market share of 16.7%. In terms of market share âSOB Leasing was 0.4% ahead of other leasing companies or SKK 325 mil. in terms of its turnover.<br><br> This advantage was gained thanks to the remarkable success in our traditional commodities, namely machinery and equipment and trucks. In this area, âSOB Leasing made use of its long experience, coopera- tion with important suppliers and high credibility of clients utiliz- ing the financial products of our company. Our long-term primacy on the market with these commodities reflects the company 9s successful strategy and its focus on these standard commodities.<br><br> The market in financing movable property increased by 26.4 % to the level of SKK 69.1 bil., an increase of SKK 14.5 bil. Leasingová spoloãnosÈ spolu/ Obdobie Leasingcompany total/ Period 1. âSOB Leasing 2.<br><br> CAC Leasing 3. VWFSLeasing 4. VB Leasing 5.<br><br> Tatra Leasing 6. SLSP Leasing 7. BOFLeasing 8.<br><br> OTP Leasing 9. DCHFSS 10. SSlovensko Spolu trh Total market TOP 10 LS v SR podºa financovaného objemu hnuteºnØch predmetov v roku 2006 (v OC bez DPH, v mil.<br><br> Sk) TOP 10 leasing companies in Slovakia by financed volume of movable property (at acquisition cost excl. VAT, in SKK mil.) Zdroj: ALS SR, Source: ALC Company profile âSOB Leasing 27 Obrat v r. 2005 (v mil.<br><br> Sk) Turnover in 2005 (SKK mil.) 9 341 9 114 4 653 6 601 4 704 2 419 3 338 3 170 2 724 1 254 54 671 Obrat v r. 2006 (v mil. Sk) Turnover in 2006 (SKK mil.) 11 574 11 249 7 104 7 020 6 572 3 915 3 861 2 864 2 621 1 430 69 124 TrhovØ podiel v r.<br><br> 2005 Market share in 2005 17,1 % 16,7 % 8,5 % 12,1 % 8,6 % 4,4 % 6,1 % 5,8 % 5,0 % 2,3 % 100,0 % TrhovØ podiel v r. 2006 Market share in 2006 16,7 % 16,3 % 10,3 % 10,2 % 9,5 % 5,7 % 5,6 % 4,1 % 3,8 % 2,1 % 100,0 % Nárast obratu v r. 2005-06 Turnover growth in 2005-06 23,9 % 23,4 % 52,7 % 6,3 % 39,7 % 61,8 % 15,7 % -9,7 % -3,8 % 14,0 % 26,4 % Rozdiel obratu v r.<br><br> 2005-06 Turnover difference in 2005-06 2 233 2 135 2 451 419 1 869 1 496 523 -306 -103 176 14 452 Rozdiel trhového podielu v r. 2005-06 Market share difference in 2005-06 -0,3 % -0,4 % 1,8 % -1,9 % 0,9 % 1,2 % -0,5 % -1,7 % -1,2 % -0,2 % - TrhovØ podiel v roku 2006

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