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ASSET FINANACE A new perspective

ASSET FINANACE A new perspective . V V RAMANA SREI BNP PARIBAS. Current Trends CE Financing. Mostly Standardized offerings, with Low level of Lease Penetration. Un Organized Resale markets Current trends Low Customer Equity Returns not commensurate with risks

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ASSET FINANACE A new perspective

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  1. ASSET FINANACEA new perspective V V RAMANA SREI BNP PARIBAS

  2. Current Trends CE Financing • Mostly Standardized offerings, with Low level of Lease Penetration. • Un Organized Resale markets • Current trends • Low Customer Equity • Returns not commensurate with risks • Cash flow mismatches – Rentals • Auction / Resale trends – not comforting.

  3. Asset Finance • Asset is Core. • Usage – Not ownership

  4. Asset is the Core • Asset is the core & not a collateral. • Its commercial finance • Capitalization value vs intrinsic value. • Lifetime value of the asset.

  5. Usage not Ownership • Fast Depreciating assets are not capital assets. • Operational Expense. • Primary Usage & a Secondary life • Financiers & Manufacturers should underwrite asset risks not users.

  6. Opportunities & Way Forward • Retail penetration will be key to Growth. • Rural markets needs greater penetration. • Multipurpose equipments bring in new customers • Capacity building, both for Manufacturers and Financiers will be key • Innovative financing and focus on Leases, customized solutions to help drive sales for equipment manufacturers. • Implementation of GST, should ease. • Legal remedies and financiers interest paramount for sustained growth.

  7. THANK YOU

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