1. Yachts business
242
Yachts business
Novim Zakonom o leasingu, predviđa se redefiniranje uloge leasing društava, kako bi im se
olakšalo poslovanje, odnosno uvela bolja regulacija koja treba povećati stabilnosti tog dijela
financijskog tržišta
New law on leasing that should enter into force as of 01 July 2013 states redefinition of
leasing houses role meaning mitigating their operations, i.e. introducing better business
regulation with aim of increasing stability of that part of financial market
edna od najvažnijih izmjena novog zakona je u tomu što će leasing druš-
tva moći davati svoju imovinu (vraćene objekte leasinga) u kratkoročni
najam, a to bi trebalo rezultirati smanjenjem troškova davatelja leasin-
ga, te, indirektno, i primatelja leasinga, od kojih su najveći održavanje i
skladištenje vraćenih predmeta leasinga, dok se ta imovina ne proda, ili
ponovno ne stavi u gospodarsku funkciju s novim primateljem leasinga.
Tim povodom porazgovarali smo s Ivanom Franićem, voditeljem financi-
ranja plovila pri SG Leasingu: Pojednostavljeno, leasing kuća neće trebati
sklopiti ugovor o leasingu s čarterskom agencijom, nego će se plovilo u
povratu moći dati direktno u zakup/najam, dok ne nađe novog primatelja
leasinga ili se ne proda. Prednost novog zakona odražava se u financiranju
investicijskih projekata (izgradnje), što je posebno interesantno tvrtkama
koje se bave izgradnjom brodova i nekretnina, u odnosu na postojeći, koji
jasno definira mogućnost leasing financiranja jedino dovršenih proizvoda
(plovila, objekata, postrojenja itd.). Stari zakon definirao je mogućnost
kupoprodaje leasing kuće od dobavljača isključivo putem fakture, dok se
izmjenom zakona predviđa mogućnost kupoprodaje i s fizičkim osobama,
što će dodatno proširiti djelatnost financiranja plovila s obzirom da je na
Jadranu veliki broj njih u vlasništvu fizičkih osoba.
Koje pakete financijskih usluga SG pruža u Europi i svijetu?
Možemo se pohvaliti kako unutar grupacije Société Générale postoje spe-
cijalizirane divizije koje se bave isključivo financiranjem plovila i usluga-
ma vezanim uz aranžmane plovila. Jedna od tih je CGI Finance European
Yacht Financing, podružnica Société Générale koja je financijski partner
mnogih velikih i renomiranih proizvođača brodova u Europi i svijetu. S
40-godišnjim iskustvom i širokom lepezom usluga, CGI nudi zanimljive pa-
kete kao što su kredit, leasing, osiguranje i Floor Plan Financing. Druga,
ali ne i manje važna linija unutar grupe Société Générale je SGB Finance
produkt SG Grupe i Bénéteau Grupe, u koju spadaju renomirani brendovi
poput Bénéteaua i Jeanneaua, graditelja jedrilica i motornih plovila, zatim
dvotrupaca Lagoon, motornih jahta Prestige itd. U Hrvatskoj, SG Leasing
d.o.o. za potrebe poslovnih subjekata koristi internacionalnu ekspertizu fi-
nanciranja plovila, te dodatno, koristeći svoje globalne odnose s pojedinim
dobavljačima, omogućuje hrvatskim korisnicima povoljnije uvjete financi-
ranja. Ulazak Hrvatske u EU daje nam pravo vjerovati u daljnju kvalitetnu
implementaciju spomenutih financijskih aranžmana na lokalnom, regional-
nom, europskom i svjetskom tržištu plovila.
Koji su rezultati vašeg leasinga za ovu godinu i kako ste do njih došli?
SG Leasing, kao dio Société Générale Grupe, prisutan je unutar kuće So-
ciété Générale Splitska banka, a počeo je raditi u kolovozu 2008., dok od
2010. razvija financiranje brodova i nekretnina. U samo četiri godine, kva-
litetnim pristupom na financiranju plovila i unapređenju poslovanja, naš
je rad rezultirao tržišnim udjelom od oko 15% u segmentu financiranja
plovila, s kontinuiranim povećanjem usluga kao što su uvoz, osiguranje
J
IVAN
FRANIĆ
OD 1. SRPNJA 2013.
LEASING JEDNOSTAVNIJI
I OPERATIVNIJI
AS OF 1 JULY 2013 – MUCH SIMPLER AND
MORE FUNCTIONAL LEASING
One of the most important law alterations is that leasing houses shall be
able to rent their assets (returned leasing objects) short-term. The result
of such would be decrease of lessor’s expenses, indirectly this applies also
to the lessee, the biggest expenses are maintenance and storage of re-
turned assets until such assets are sold or passed on to the possession of a
new lessee. Therefore, we spoke with Ivan Franić, Head of boat financing at
SG Leasing: To make it simple, leasing house is not forced to enter into leas-
ing contract with charter agency, though the vessel when returned shall be
directly granted for a lease/rent, until new lessee is found or the vessel
is sold. Advantage of the latest law lies in financing investment projects
(construction development), particularly interesting for companies dealing
with ship and property construction, as opposed to the existing law, which
defines leasing as financing option of only completed products (vessels,
structures, plants, etc.). The existing law states that a leasing house can
buy and sell from the contractor exclusively through invoice, while altered
law allows buying and selling with natural persons resulting in wide range
of activities when it comes to financing vessels considering the fact a great
number of such on Adriatic are under ownership of natural persons.
Which package of financial services does SG offer to Europe and world?
We are proud to say that Société Générale Group has specialized divisions
dealing with exclusively financing of vessels and vessel arrangement serv-
ices. One of these is CGI Finance European Yacht Financing, branch office of
Société Générale, financial partner of many big and renowned ship builders
in Europe and world. 40 years of experience behind and with wide range of
services CGI offers interesting packages like credits, leasing, insurance and
floor plan financing. Second, though not less important line inside Société
Générale Group would be SGB Finance, a product of SG Group and Bénéteau
Group, with famous brands like Bénéteaua and Jeanneaua coming under it,
constructors of sailing and motor boat, catamarans Lagoon, motor yachts
Prestige etc. In Croatia SG Leasing d.o.o. uses international expertise for
business subjects, also due to its global contacts with contractors enables
Croatian users more favourable financing treatments. Now that Croatia
shall become EU member we believe further quality implementation of the
aforesaid financial arrangements on local, regional, European and world
market of vessels will proceed.
What are your leasing results for this year and how did you accomplish
these?
SG Leasing, as a part of Société Générale Group, exists inside Société Géné-
rale Split bank, and started with its operations in August 2008 and as of
2010 it has been developing financing of vessels and properties. In only four
years period due to quality approach to financing vessels and improvement
of business activities our work has resulted with market share of approxi-
mately 15% in the segment of financing vessels with continued service
options increase like import, insurance outside of boundaries of Croatia,Text Darko Šupuk Photos Ivica Lisjak

2. Yachts business
244
i izvan granica RH, kao i osiguranje prijevoza plovila iz SAD-a, uz posredstvo
osiguranja Pantaenius.
Recite nam nešto o financiranju stranih pravnih/fizičkih osoba iz EU-a u
Hrvatskoj...
Logičan je slijed da će ulaskom RH u EU rasti interes za investiranje stranih
kompanija u svim segmentima gospodarstva. SG Leasing je stoga pripremio
modele financijske potpore svim tvrtkama koje prihoduju na hrvatskom trži-
štu, uključujući onima u vlasništvu nerezidenta, registriranih u Hrvatskoj, bez
obzira radilo se o pravnim ili fizičkim osobama. Za sve partnere spremni smo
prihvatiti razne modele osiguranja: bankovne garancije, korporativna jamstva,
depozite itd., što nam omogućava SG grupacija, koja sa svojom mrežom spada
u jednu od najvećih bankarskih institucija u svijetu.
Koje su vam glavne grupe klijenata i što im nudite danas i u skoroj bu-
dućnosti?
S obzirom na tešku gospodarsku situaciju, koja je uzrokovala značajan pad
prodaje motornih plovila, profilirale su se čarterske tvrtke koje se prvenstve-
no bave iznajmljivanjem jednotrupni i dvotrupnih jedrilica, kao i vlasnici takvih
plovila koji sklapaju s agencijama za iznajmljivanje ugovor o managementu. U
drugu grupu klijenata, ali nimalo manje važnu, spadaju privatne osobe i čarter-
ske tvrtke, koje nabavljaju manja motorna plovila. Kako su sekundarna vrijed-
nost financiranog objekta i projekcija budućeg poslovanja dvije od tri stavke
koje su bitne za donošenje konačne odluke o financiranju, klasične jedrilice i
katamarani su trenutno kvalitetan portfelj svake leasing kuće. Potražnja za
motornim plovilima duljim od 12 metara, a samim time i njihovo financiranje, u
budućnosti će se povećavati proporcionalno rastu gospodarstva u Hrvatskoj,
čemu se svi nadamo i priželjkujemo ga.
Jedrilice i katamarani za iznajmljivanje
posebno su dobro praćeni kroz linije
financiranja SG Leasinga, a financiranje
luksuznih jahti čeka bolje ekonomske
okolnosti u Hrvatskoj
Charter companies with sailing boats and
catamarans are the most important clients
for SG Leasing, while luxury craft financing
is expected to raise with better economy
in Croatia
referring to vessels transportation from USA with involvement of insurance
agency Pantaenius.
Tell us more about financing foreign legal entities/natural persons
from EU in Croatia…
Naturally as we enter EU interest of foreign investors in all economical
segments shall grow. Therefore SG leasing has prepared financial support
model for all companies with income on Croatian market, including those
under ownership of foreigners registered in Croatia, regardless of the fact it
refers to legal entities or natural persons. We are ready to accept a variety
of insurance models for all our partners: bank guarantees, corporative guar-
antee statements, deposits, etc. All enabled by SG Group, belonging to one
of the greatest bank institutions of the world.
What are your main client groups and what do you offer them today
and in the near future?
Considering harsh economical situation causing decrease in sale of motor
vessels, charter companies mainly dealing with renting sailing boats and
catamarans have survived, as well as owners of such vessels entering into
management contract with agencies. Another group of clients are private
persons and charter companies providing smaller motor vessels. Secondary
value of financed object and projection of future business activities rep-
resent two out of three elements essential for making the final financing
decision, classical sailing boats and catamarans are at the moment quality
portfolio of every leasing house. As Croatia grows economically so shall re-
quest for motor vessels longer than 12 m together with their financing. That
is what we all hope and wish for.
Yachts business