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0Press review
Leasys launches the new CarCloud Quadrifoglio and CarCloud Abarth 595, subscriptions to Italian style and high performance
● Leasys launches two new car subscriptions: CarCloud Quadrifoglio, with the over 1000 HP of Alfa Romeo Giulia and Stelvio Quadrifoglio, and CarCloud Abarth 595.
● The green fleet continues to expand with the new offer of CarCloud Mild Hybrid and the revival of the CarCloud packages, including Electric 500e, for the electric New 500.
● The subscriptions, which can be activated on Amazon, last from 30 days to 12 months, with the option to terminate them without penalties after the first month.Consult the press release
2021/01/19 -
69Press review
Crédit Agricole Consumer Finance and Banco BPM strengthen their partnership in consumer credit in Italy
Crédit Agricole Consumer Finance and Banco BPM announce that on 18 December 2020, they signed an Amendment Agreement, in order to further strengthen their global partnership in consumer finance in Italy of Agos Ducato (in which Crédit Agricole Consumer Finance holds 61% - Banco BPM 39%), introducing some changes to the agreements signed at the end of 2018 between Banco BPM, Crédit Agricole S.A. and Crédit Agricole Consumer Finance.Consult the press release
2020/12/22
Funding
At the end of 2018, the Crédit Agricole Consumer Finance Group tied for the second position among European players on the euro-denominated Consumer Lending securitisation market, and the self-financing rate continued to grow approaching 84%. For the CA Consumer Finance Group, this figure is an assurance of being able to support its customers and partners in each of their projects.
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Savings collection
Creditplus
This activity has existed in Germany since 2011, through the German subsidiary Creditplus, intended for institutional investors (via brokers) and individuals (online).
Learn more on the Creditplus commercial website [in German]: https://www.creditplus.de/festgeld/
CA Consumer Finance SA
CA Consumer Finance SA began its proprietary online collection activity in 2014, via the European passport, intended for individuals residing in Germany. Since then, it has been extended to Austria (2015) and Spain (2016).
Learn more on the subscription website in Austria
Learn more on the subscription website in Germany
Our savings collection activities in Spain have been closed in 2020.
FCA Bank
The more recent launch of the activity at FCA Bank has been directed at individuals in Italy and Germany (European passport), via the Internet, since 2016.
Learn more on the FCA Bank commercial website [in Italian]: https://contodeposito.fcabank.it/
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Debt issuance programme
The various entities of the CA Consumer Finance Group have debt issuance programmes. CA Consumer Finance SA has a Certificates of Deposit programme and a medium-term marketable securities (NEU-MTN) programme. FCA Bank has a Euro Medium Term Note programme in Ireland.
NEU-CP (formerly certificate of deposit)
CA Consumer Finance SA’s NEU-CP programme has the following characteristic: a ceiling of 9 billion euros
See the presentation of CA Consumer Finance’s Certificates of Deposit issuance programme on the Banque de France website.
NEU-MTN (formerly BMTN)
CA Consumer Finance SA’s medium-term marketable securities (NEU-MTN) programme has the following characteristic: a ceiling of 3 billion euros
See the presentation of CA Consumer Finance SA’s Medium-Term Note issuance programme on the Banque de France website.
EMTN
The Euro Medium Term Notes programme of FCA Bank, a joint venture owned 50% by CA Consumer Finance SA and 50% by Fiat Chrysler Automobiles, has the characteristics described on the FCA Bank website.
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Securitisation
Within this range of financial instruments, securitisation has become a major driver of external refinancing for the CA Consumer Finance Group. Several entities use this refinancing technique with a varied history: beginning in Italy with the subsidiaries of FCA Bank (2000) and Agos Ducato (2006), securitisation spread to France (2009), then to the Netherlands (2010), Germany (2011), China (2014), and Portugal (2015).
According to JP Morgan International ABS & CB Research's database on the eurozone public securitisation market published in 2018, CA Consumer Finance is ranked second in the European market for the securitisation of consumer loans placed and denominated in euros, both in the number of transactions and the actual amount raised, with four transactions totalling €2.3 billion in funding.
Note the CACF group's first SRT (Significant Risk Transfer) transaction performed by FCA Bank in 2017.
For more information about securitisation at CA Consumer Finance and in our subsidiaries:
AGOS
Find information about Agos securitisation operations at:https://www.agoscorporate.it/chi-siamo/informazioni-societarie/
CA CF
Below are the downloadable documents relating to all market securitisation transactions performed by CA Consumer Finance:
GINKGO SALES FINANCE 2017
GINKGO PERSONAL LOANS 2016
GINKGO SALES FINANCE 2015
GINKGO PERSONAL LOANS 2015
GINKGO SALES FINANCE 2014
GINKGO CONSUMER LOANS 2013 (amortised operation)
GINKGO PERSONAL LOANS 2013 (amortised operation)
GINKGO SALES FINANCE 2013 (amortised operation)
GINKGO SALES FINANCE 2012 (amortised operation)
All about CA Consumer Finance funding
The CA Consumer Finance Group deploys various self-funding instruments as part of a policy of diversifying its financing resources: securitisation, repos, issue of NEU-CP, NEU-MTN, and EMTN, as well as an online deposit collection business.
Securitisation is now a major successful lever of external funding for the CA Consumer Finance Group:
- given its use by all of the group’s main entities, both in Europe and elsewhere in the world.
- given the characteristics of the transactions carried out: public or private, static or revolving, with or without transfer of risk.
Repo transactions also help to strengthen the group’s liquidity securely, particularly from sales of securities held for selected securitisation transactions.
In France, CACF SA issues NEU-CP (formerly short-term certificates of deposit) as well as NEU-MTN (formerly medium-term marketable securities). FCA Bank in Italy issues Euro Medium Term Notes (EMTN) through its Irish branch.
A deposit collection business, today conducted by several entities with institutionals and residents of various countries.
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Savings collection
Creditplus
This activity has existed in Germany since 2011, through the German subsidiary Creditplus, intended for institutional investors (via brokers) and individuals (online).
Learn more on the Creditplus commercial website [in German]: https://www.creditplus.de/festgeld/
CA Consumer Finance SA
CA Consumer Finance SA began its proprietary online collection activity in 2014, via the European passport, intended for individuals residing in Germany. Since then, it has been extended to Austria (2015) and Spain (2016).
Learn more on the subscription website in Austria
Learn more on the subscription website in Germany
Our savings collection activities in Spain have been closed in 2020.
FCA Bank
The more recent launch of the activity at FCA Bank has been directed at individuals in Italy and Germany (European passport), via the Internet, since 2016.
Learn more on the FCA Bank commercial website [in Italian]: https://contodeposito.fcabank.it/
-
Debt issuance programme
The various entities of the CA Consumer Finance Group have debt issuance programmes. CA Consumer Finance SA has a Certificates of Deposit programme and a medium-term marketable securities (NEU-MTN) programme. FCA Bank has a Euro Medium Term Note programme in Ireland.
NEU-CP (formerly certificate of deposit)
CA Consumer Finance SA’s NEU-CP programme has the following characteristic: a ceiling of 9 billion euros
See the presentation of CA Consumer Finance’s Certificates of Deposit issuance programme on the Banque de France website.
NEU-MTN (formerly BMTN)
CA Consumer Finance SA’s medium-term marketable securities (NEU-MTN) programme has the following characteristic: a ceiling of 3 billion euros
See the presentation of CA Consumer Finance SA’s Medium-Term Note issuance programme on the Banque de France website.
EMTN
The Euro Medium Term Notes programme of FCA Bank, a joint venture owned 50% by CA Consumer Finance SA and 50% by Fiat Chrysler Automobiles, has the characteristics described on the FCA Bank website.
-
Securitisation
Within this range of financial instruments, securitisation has become a major driver of external refinancing for the CA Consumer Finance Group. Several entities use this refinancing technique with a varied history: beginning in Italy with the subsidiaries of FCA Bank (2000) and Agos Ducato (2006), securitisation spread to France (2009), then to the Netherlands (2010), Germany (2011), China (2014), and Portugal (2015).
According to JP Morgan International ABS & CB Research's database on the eurozone public securitisation market published in 2018, CA Consumer Finance is ranked second in the European market for the securitisation of consumer loans placed and denominated in euros, both in the number of transactions and the actual amount raised, with four transactions totalling €2.3 billion in funding.
Note the CACF group's first SRT (Significant Risk Transfer) transaction performed by FCA Bank in 2017.
For more information about securitisation at CA Consumer Finance and in our subsidiaries:
AGOS
Find information about Agos securitisation operations at:https://www.agoscorporate.it/chi-siamo/informazioni-societarie/
CA CF
Below are the downloadable documents relating to all market securitisation transactions performed by CA Consumer Finance:
GINKGO SALES FINANCE 2017
GINKGO PERSONAL LOANS 2016
GINKGO SALES FINANCE 2015
GINKGO PERSONAL LOANS 2015
GINKGO SALES FINANCE 2014
GINKGO CONSUMER LOANS 2013 (amortised operation)
GINKGO PERSONAL LOANS 2013 (amortised operation)
GINKGO SALES FINANCE 2013 (amortised operation)
GINKGO SALES FINANCE 2012 (amortised operation)