ALD AUTOMOTIVEAn Introduction*

ALD Automotive

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*P. *ALD AutomotiveSociete Generale is the worlds 14th largest bank, present across 76 countries and serving 32 million customersSG is the 7th largest bank in Europe and 14th largest in the world SG services around 32 million customers in the worldIncluded in the socially responsible investment indexes: FTSE4Good and ASPIRetail & Corporate BankingInsurance Auto LeasingInvestment Management ServicesInvestment BankingBrokerage ServicesPresent across a broad spectrum of servicesSociete Generale Group Global ProfileIncluded in the socially responsible investment indexes: FTSE4Good and ASPINet Banking Income of 23 Bn. with a Net Income of 774 Mn. Rated AA by S&P in 2013 Employing 1,54,000 people across 76 countriesSource: Societe Generale Internal Data

ALD Automotive

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*P. *ALD AutomotiveSociete Generale has been present in India for over 25 years and offers a wide spectrum of financial servicesMumbaiBangalorePresence in India for over 25 yearsEmploying over 4,500 employees in IndiaExperience in managing JVs in IndiaBankingSpecialized Fin. ServicesInvestment ManagementServicesSociete Generale Group India ProfilePresence of Global Solution Centre providing customized business solutions to SG Group globallyThrough AmundiDelhiAhmedabadPuneChennaiHyderabadSource: Societe Generale Internal DataSG Asia Holdings (India) Pvt. Ltd.Global Solution CentreResource GroupSanand

ALD Automotive

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*P. *ALD AutomotiveALD Automotive is the 3rd largest auto leasing company globally, managing a fleet of 1 million with a direct presence in 39 countriesEuropes 2nd largest and globally 3rd largest auto leasing company2,16,100 vehicles purchasedPart of 37,50,000 days in short term leasing1,77,400 used cars sold through ALD car market11,00,000 tyres purchasedEmploying 4,500 people and catering to 1,00,000+ customersKey Stats for ALD Automotive Group - 2012Direct Presence in 39 countries and 77 Operational OEM PartnershipsAwards won by ALD Automotive - 2013France : Customer Service of the Year (5th consecutive year)Germany : Best Non-Captive Leasing CompanyUK : ACFO Fleet Service Company of the YearRomania : Most Dynamic Leasing CompanyBBB Rated by S&P in 2012 with an Annual Revenue of 5.14 Bn and Net Income of 245 Mn Managing 1 Mn. vehicles as of January 2014Raised 1 Bn. on its own strengthALD Automotive Global ProfileSource: ALD Internal Data

ALD Automotive

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*P.*ALD AutomotiveALD Automotive Globally

ALD Automotive

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*P.*ALD AutomotiveLargest Auto Leasing Company~25% market shareManaging ~9,500 cars for 650 customersFleet spread in more than 250 locations across the countryOver 3,000 sales and service tie-ups in 22 states and 3 union territories24*7 breakdown assistance in over 800 locationsExcellent Reach and Service CapabilityGlobal Expertise delivered by Local Experts100% focus is on Operating LeaseHighly Focused on Core Activity Product mix offering Full Service Leasing& Fleet ManagementSuccessful Presence in India for over 9 YearsHead Quarter - Mumbai. Branch Offices - Delhi, Bangalore, Pune, Chennai, Hyderabad & AhmedabadWe are the largest auto leasing player in India with a fleet size of 9,500 carsALD Automotive India at a glance

ALD Automotive

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OUR OFFERING: FULL SERVICE LEASING SOLUTIONP.* + Subscribed services for the vehicle, for the driver and for the fleet managerVehicle resale priceContract termsFixed duration (eg. 36 months)Fixed mileage (eg. 90.000 kms) RsRsDepreciation to be financedVehicle purchase priceDepreciation funding + additional services = monthly rentalCustomer benefitsFocus on core business: productivity gains with employees dedicated to the core business.Optimal use of capital: no initial cost to the customer vehicles purchased by ALD.Cost reduction and predictability: technical analysis of budgets, bargaining power with suppliers and maintenance costs are turned into fixed cost in monthly rent.No financial risk: ALD is responsible for vehicle depreciation.ALD expertise: better negotiations, robust systems, centralized billing, comfort, convenience, best practices.

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FULL SERVICE LEASING: FUNDING, MANAGEMENT & OPTIMISATION4. Maintenance & Tyres6. Fuel & Services7. Driver Support5. Insurance2. Registration & Delivery3. Financing8. Reporting & Optimisation9. Vehicle Remarketing1. New Vehicle Selection*P. *ALD Automotive

ALD Automotive

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SCOPE OF SERVICES AVAILABLE UNDER FSL AND FLEET MANAGEMENTP. **ALD Automotive

ALD Automotive

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Benefits of Operating Lease

Tax saving option, Cash in Hand goes up with CTC remaining the same.Option to own or switch to new the car at the end or middle of the tenureOutsourcing the total Risk and Administration.No Resale Risk. No Maintenance Surprises.No Down Payment, arranging documents visiting showrooms etc.Risks relating to maintenance overspend and losses on resale risks to be borne by the leasing company

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*Benefits of Operating Lease

PURCHASE/ LOAN/ FINANCIAL LEASINGALD FULL SERVICE OPERATIONAL LEASE BENEFIT ANALYSISCAPITAL ASSETS YESNOBETTER CASHFLOWS: LEASE RENTALS ARE DEDUCTABLE IN THE P&L ACCOUNTHEALTHIER BALANCE SHEET: NO DEPRECIATING & NON-PRODUCTIVE ASSETSIMPROVED RETURN OVER EQUITY & RETURN OVER ASSETSDOWN PAYMENTYESNOUSE YOUR VALUABLE FINANCIAL RESOURCES IN PRODUCTIVE ACTIVITYRISKS ON RESALEYESNOPROTECTION FROM FLUCTUATION IN THE USED CAR MARKETSREDUCES FINANCIAL RISKSFLEET MANAGEMENT COSTSUNCERTAINFIXEDAVOID ANY SURPRISES RELATED TO MAINTENANCE COSTBETTER BUDGETING & COST CONTROL

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*Benefits of Operating Lease

PURCHASE/ LOAN/ FINANCIAL LEASINGALD FULL SERVICE OPERATIONAL LEASE BENEFIT ANALYSISCONTACT PERSONMANYONESAVING TIME AND RESOURCES FOR YOUR CORE BUSINESSEMPLOYEE SATISFACTIONMANAGEMENT SERVICESNOT INCLUDEDFULL SERVICEIMPROVING EFFICIENCY, PERFORMANCE WHILE REDUCING COSTSFLEET CONSULTINGNOYESEXPERT ADVICE FOR OPTIMUM SELECTION AND UTILISATION OF YOUR FLEET REDUCTION IN TOTAL COST OF OWNERSHIPCLIENTS INTERNAL ADMINISTRATION COSTSUNCERTAINHIGHLY REDUCEDREDUCES COSTS AND IMPROVES PRODUCTIVITY EMPLOYEE SATISFACTION

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*ALD Automotive Optiflex Matrix

Fully transparent pricing grid, indicating the monthly lease rentals for various different combinations of mileages and durations, Manages all the financial adjustments resulting from contract modifications Offers fixed monthly rentals applicable to various scenarios for a specific contract. If the actual parameters fall outside of that contracted terms, ALD Automotive amands the contract on the basis of the actual parameters as per the Optiflex MatrixInterest rates, Residuals and Fleet Management costs are the same as in standard quotations.Lets you know right at the beginning, what your options can be at the end of the contract. A strong commitment from ALD Automotive to its customers

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*Why chose ALD Automotive Matrix ?Service offered without extra chargesContract modification and early terminations costs are already knownEasy budgeting tool,One Grid; 300 cells with +/- flexibility; 600 quotes available,No + km or - km (less invoicing documents),Productivity increaseCommitment & Control

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*How does the ALD Automotive Matrix work ?If a customer wants to terminate the contract originally signed for 48 months and 80000 kms in 24 months 30000 kms, he will need to pay the difference of the EMI multiplied by the eloped duration as a termination fee and return the car back to ALD Automotive

After 24 months, the customer has to terminate the contract:- the monthly fee is Rs. 13495 instead of Rs. 12025 (= Rs. 1470)- the customer will need to pay Rs.1470 x 24 months = Rs. 35,280/- to ALD.

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THANK YOU*P.*ALD Automotive

ALD Automotive

**SEPTEMBER 2013*SEPTEMBER 2013*SEPTEMBER 2013