Средний и малый бизнес – потенциальный рынок для...

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Средний и малый бизнес – потенциальный рынок для развития факторинга в Восточной Европе. Директор по маркетингу МФК «ТРАСТ» Людмила Климанова Москва, 26 марта 2008. Глобальный рынок факторинговых услуг в 2006 г. – € 1 134 млрд. Среднегодовой темп роста – 10 % - PowerPoint PPT Presentation

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  • 3

    780716

    26267

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.9831.1278809089

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.9951.1044148615

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.2881.1158244528

    0.001.101.061.051.131.181.12

    1.818235445

    .

    20002001200220032004200520062000200120022003200420052006

    EUROPE1005123016811880262028854025

    Austria2275218122752932369242734733615140021432262392024002900

    Belgium800090009391115001350014000167003445465801142137518202880

    Bulgaria120000352085333025002580354037004425

    Croatia00002817534000168485113025408555

    Cyprus1410155419972035214024252546221340381609126819083482

    Czech Republic1005123016811880262028854025 4270684674538958138531525326267

    Denmark4050548852005570678077757685

    Estonia615140021432262392024002900

    Finland713074459067881091671047011100

    France524506766067398732008160089020100009

    Germany23483293733015635082450005511072000

    Greece1500205026943680443045105230

    Hungary3445465801142137518202880

    Iceland125261625161525

    Ireland6500781386208850131502318029693

    Italy110000124823134804132510121000111175120435

    Latvia000015520276

    Lithuania0000104016401896

    Luxembourg00197257285280306

    Malta0000001

    Netherlands15900178002012017500196002330025500

    Norway49605700703076258620961511465

    Poland2085333025002580354037004425

    Portugal8995101891134312181147001696516886

    Romania6098141225420550750

    Russia00168485113025408555

    Serbia000000150

    Slovakia1602402403846658301311

    Slovenia657175170185230340

    Spain19500236003156737486453765551566772

    Sweden1231052501022910950145001980021700

    Switzerland1300143022501514140019002000

    Turkey639039474263533079501183014925806983

    Ukraine00000333620 780716

    United Kingdom123770136080156706160770184520237205248769 26267

    Total Europe414383468326522851546935612504715486806983

    2000200120022003200420052006

    4270684672858473127231271317712

    2000200120022003200420052006

    00168485113025408555

    2000200120022003200420052006

    123770136080156706160770184520237205248769

    2000200120022003200420052006

    524506766067398732008160089020100009

    2000200120022003200420052006

    23483293733015635082450005511072000

    2000200120022003200420052006

    110000124823134804132510121000111175120435

    2000200120022003200420052006

    100410103544126334136415166531207723239503

    2000200120022003200420052006

    414383468326522851546935612504715486806983

    30

    52450

    67660

    67398

    73200

    81600

    89020

    100009

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    23483

    29373

    30156

    35082

    45000

    55110

    72000

    3

    110000

    124823

    134804

    132510

    121000

    111175

    120435

    2000

    2001

    2002

    2003

    2004

    2005

    2006

    , .

    2000200120022003200420052006

    414.38468.33522.85546.94612.50715.49806.9871.14%

    126.52127.16115.30104.54110.09135.63140.9412.43%

    5.665.806.205.847.596.248.510.75%

    69.8776.0869.8589.10111.61135.81150.0013.22%

    7.428.329.9913.9818.4223.3827.852.46%

    623.84685.68724.20760.39860.221,016,5471134.29

    414.383468.326522.851546.935612.504715.486806.98371%

    126.517127.157115.301104.542110.094135.63140.94412%

    5.6555.8016.2035.847.5866.2378.5131%

    69.86576.07869.8589.096111.614135.814149.99513%

    7.428.329.99213.97918.41723.3827.8532%

    12 %

    1%

    13 %

    2%

    71%

    15

    15

    15

    15

    5

    15

    25

    15

    40

    7

    17

    , 30 , % ( 2003 .)

    23

    52

    32

    17

    39

    41

    33

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.983

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.995

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.288

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    5.6555.8016.2035.847.5866.2378.513

    69.86576.07869.8589.096111.614135.814149.995

    7.428.329.99213.97918.41723.3827.853

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    69.86576.07869.8589.096111.614135.814149.995

    1%

    1%

    2%

    3%

    5%

    8%

    12%

    13%

    80 %

    311780 % - 3

    913080 % - 9 . 65 % . 25 % .

    5888 % - 5

    103580 % - 10

    51980 % - ()

    511690 % - -/ 95 % - 8

    44480 % - 4

    258

    > 80 %"

  • IFG, 2005

    1

    0.01

    0.012

    0.0205

    0.0286

    0.052

    0.0784

    0.1157

    0.13

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.9831.1278809089

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.9951.1044148615

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.2881.1158244528

    0.001.101.061.051.131.181.12

    1.818235445

    0000000

    0000000

    0000000

    0000000

    0000000

    0000000

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    00000000000

    00000000000

    00000000000

    00000000000

    00000000000

    00000000000

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    .

    20002001200220032004200520062000200120022003200420052006

    EUROPE1005123016811880262028854025

    Austria2275218122752932369242734733615140021432262392024002900

    Belgium800090009391115001350014000167003445465801142137518202880

    Bulgaria120000352085333025002580354037004425

    Croatia00002817534000168485113025408555

    Cyprus1410155419972035214024252546221340381609126819083482

    Czech Republic1005123016811880262028854025 4270684674538958138531525326267

    Denmark4050548852005570678077757685

    Estonia615140021432262392024002900

    Finland713074459067881091671047011100

    France524506766067398732008160089020100009

    Germany23483293733015635082450005511072000

    Greece1500205026943680443045105230

    Hungary3445465801142137518202880

    Iceland125261625161525

    Ireland6500781386208850131502318029693

    Italy110000124823134804132510121000111175120435

    Latvia000015520276

    Lithuania0000104016401896

    Luxembourg00197257285280306

    Malta0000001

    Netherlands15900178002012017500196002330025500

    Norway49605700703076258620961511465

    Poland2085333025002580354037004425

    Portugal8995101891134312181147001696516886

    Romania6098141225420550750

    Russia00168485113025408555

    Serbia000000150

    Slovakia1602402403846658301311

    Slovenia657175170185230340

    Spain19500236003156737486453765551566772

    Sweden1231052501022910950145001980021700

    Switzerland1300143022501514140019002000

    Turkey639039474263533079501183014925

    Ukraine00000333620

    United Kingdom123770136080156706160770184520237205248769

    Total Europe414383468326522851546935612504715486806983

    2000200120022003200420052006

    4270684672858473127231271317712

    2000200120022003200420052006

    00168485113025408555

    2000200120022003200420052006

    123770136080156706160770184520237205248769

    2000200120022003200420052006

    524506766067398732008160089020100009

    2000200120022003200420052006

    23483293733015635082450005511072000

    2000200120022003200420052006

    110000124823134804132510121000111175120435

    2000200120022003200420052006

    100410103544126334136415166531207723239503

    2000200120022003200420052006

    414383468326522851546935612504715486806983

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    30

    0

    0

    0

    0

    0

    0

    0

    52450

    67660

    67398

    73200

    81600

    89020

    100009

    Penetration

    23483

    29373

    30156

    35082

    45000

    55110

    72000

    3

    110000

    124823

    134804

    132510

    121000

    111175

    120435

    0

    0

    0

    0

    0

    0

    0

    0000000

    0000000

    0000000

    0000000

    0000000

    0000000

    0000000

    2000

    2001

    2002

    2003

    2004

    2005

    2006

    , .

    2000200120022003200420052006

    414.38468.33522.85546.94612.50715.49806.9871.14%

    126.52127.16115.30104.54110.09135.63140.9412.43%

    5.665.806.205.847.596.248.510.75%

    69.8776.0869.8589.10111.61135.81150.0013.22%

    7.428.329.9913.9818.4223.3827.852.46%

    623.84685.68724.20760.39860.221,016,5471134.29

    414.383468.326522.851546.935612.504715.486806.98371%

    126.517127.157115.301104.542110.094135.63140.94412%

    5.6555.8016.2035.847.5866.2378.5131%

    69.86576.07869.8589.096111.614135.814149.99513%

    7.428.329.99213.97918.41723.3827.8532%

    00

    00

    00

    00

    00

    12 %

    1%

    13 %

    2%

    71%

    15

    15

    15

    15

    5

    15

    25

    15

    40

    7

    17

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    , 30 , % ( 2003 .)

    23

    52

    32

    17

    39

    41

    33

    0

    0

    0

    0

    0

    0

    0

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.983

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.995

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.288

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    5.6555.8016.2035.847.5866.2378.513

    69.86576.07869.8589.096111.614135.814149.995

    7.428.329.99213.97918.41723.3827.853

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    69.86576.07869.8589.096111.614135.814149.995

    0000

    0000

    0000

    0000

    0000

    0000

    0000

    1%

    1%

    2%

    3%

    5%

    8%

    12%

    13%

    0

    0

    0

    0

    0

    0

    0

    0

    80 %

    311780 % - 3

    913080 % - 9 . 65 % . 25 % .

    5888 % - 5

    103580 % - 10

    51980 % - ()

    511690 % - -/ 95 % - 8

    44480 % - 4

    258

    0

    0

    0

    0

    0

    0

    0

    00

    00

    00

    00

    00

    00

    00

    > 80 %"

  • 80 % 2,8 . 450 . 10 ., 5 ., 0,91 ., 0,37 . ( 1,8 .)

  • , **: Exco Grant & Thornton survey of European SMEs 2001

    5

    0.09

    0.09

    0.11

    0.39

    0.46

    0.5

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.9831.1278809089

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.9951.1044148615

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.2881.1158244528

    0.001.101.061.051.131.181.12

    1.818235445

    .

    20002001200220032004200520062000200120022003200420052006

    EUROPE1005123016811880262028854025

    Austria2275218122752932369242734733615140021432262392024002900

    Belgium800090009391115001350014000167003445465801142137518202880

    Bulgaria120000352085333025002580354037004425

    Croatia00002817534000168485113025408555

    Cyprus1410155419972035214024252546221340381609126819083482

    Czech Republic1005123016811880262028854025 4270684674538958138531525326267

    Denmark4050548852005570678077757685

    Estonia615140021432262392024002900

    Finland713074459067881091671047011100

    France524506766067398732008160089020100009

    Germany23483293733015635082450005511072000

    Greece1500205026943680443045105230

    Hungary3445465801142137518202880

    Iceland125261625161525

    Ireland6500781386208850131502318029693

    Italy110000124823134804132510121000111175120435

    Latvia000015520276

    Lithuania0000104016401896

    Luxembourg00197257285280306

    Malta0000001

    Netherlands15900178002012017500196002330025500

    Norway49605700703076258620961511465

    Poland2085333025002580354037004425

    Portugal8995101891134312181147001696516886

    Romania6098141225420550750

    Russia00168485113025408555

    Serbia000000150

    Slovakia1602402403846658301311

    Slovenia657175170185230340

    Spain19500236003156737486453765551566772

    Sweden1231052501022910950145001980021700

    Switzerland1300143022501514140019002000

    Turkey639039474263533079501183014925806983

    Ukraine00000333620 780716

    United Kingdom123770136080156706160770184520237205248769 26267

    Total Europe414383468326522851546935612504715486806983

    2000200120022003200420052006

    4270684672858473127231271317712

    2000200120022003200420052006

    00168485113025408555

    2000200120022003200420052006

    123770136080156706160770184520237205248769

    2000200120022003200420052006

    524506766067398732008160089020100009

    2000200120022003200420052006

    23483293733015635082450005511072000

    2000200120022003200420052006

    110000124823134804132510121000111175120435

    2000200120022003200420052006

    100410103544126334136415166531207723239503

    2000200120022003200420052006

    414383468326522851546935612504715486806983

    30

    52450

    67660

    67398

    73200

    81600

    89020

    100009

    Penetration

    23483

    29373

    30156

    35082

    45000

    55110

    72000

    SME

    110000

    124823

    134804

    132510

    121000

    111175

    120435

    3

    2000

    2001

    2002

    2003

    2004

    2005

    2006

    , .

    2000200120022003200420052006

    414.38468.33522.85546.94612.50715.49806.9871.14%

    126.52127.16115.30104.54110.09135.63140.9412.43%

    5.665.806.205.847.596.248.510.75%

    69.8776.0869.8589.10111.61135.81150.0013.22%

    7.428.329.9913.9818.4223.3827.852.46%

    623.84685.68724.20760.39860.221,016,5471134.29

    414.383468.326522.851546.935612.504715.486806.98371%

    126.517127.157115.301104.542110.094135.63140.94412%

    5.6555.8016.2035.847.5866.2378.5131%

    69.86576.07869.8589.096111.614135.814149.99513%

    7.428.329.99213.97918.41723.3827.8532%

    12 %

    1%

    13 %

    2%

    71%

    15

    15

    15

    15

    5

    15

    25

    15

    40

    7

    17

    , 30 , % ( 2003 .)

    23

    52

    32

    17

    39

    41

    33

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.983

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.995

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.288

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    5.6555.8016.2035.847.5866.2378.513

    69.86576.07869.8589.096111.614135.814149.995

    7.428.329.99213.97918.41723.3827.853

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    69.86576.07869.8589.096111.614135.814149.995

    1%

    1%

    2%

    3%

    5%

    8%

    12%

    13%

    9%

    9%

    11%

    39%

    46%

    50%

    80 %

    311780 % - 3

    913080 % - 9 . 65 % . 25 % .

    5888 % - 5

    103580 % - 10

    51980 % - ()

    511690 % - -/ 95 % - 8

    44480 % - 4

    258

    > 80 %"

  • .

    4

    1005123016811880262028854025

    615140021432262392024002900

    3445465801142137518202880

    2085333025002580354037004425

    00168485113025408555

    221340381609126819083482

    4270684674538958138531525326267

    2000

    2001

    2002

    2003

    2004

    2005

    2006

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.9831.1278809089

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.9951.1044148615

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.2881.1158244528

    0.001.101.061.051.131.181.12

    1.818235445

    .

    20002001200220032004200520062000200120022003200420052006

    EUROPE1005123016811880262028854025

    Austria2275218122752932369242734733615140021432262392024002900

    Belgium800090009391115001350014000167003445465801142137518202880

    Bulgaria120000352085333025002580354037004425

    Croatia00002817534000168485113025408555

    Cyprus1410155419972035214024252546221340381609126819083482

    Czech Republic1005123016811880262028854025 4270684674538958138531525326267

    Denmark4050548852005570678077757685

    Estonia615140021432262392024002900

    Finland713074459067881091671047011100

    France524506766067398732008160089020100009

    Germany23483293733015635082450005511072000

    Greece1500205026943680443045105230

    Hungary3445465801142137518202880

    Iceland125261625161525

    Ireland6500781386208850131502318029693

    Italy110000124823134804132510121000111175120435

    Latvia000015520276

    Lithuania0000104016401896

    Luxembourg00197257285280306

    Malta0000001

    Netherlands15900178002012017500196002330025500

    Norway49605700703076258620961511465

    Poland2085333025002580354037004425

    Portugal8995101891134312181147001696516886

    Romania6098141225420550750

    Russia00168485113025408555

    Serbia000000150

    Slovakia1602402403846658301311

    Slovenia657175170185230340

    Spain19500236003156737486453765551566772

    Sweden1231052501022910950145001980021700

    Switzerland1300143022501514140019002000

    Turkey639039474263533079501183014925806983

    Ukraine00000333620 780716

    United Kingdom123770136080156706160770184520237205248769 26267

    Total Europe414383468326522851546935612504715486806983

    2000200120022003200420052006

    4270684672858473127231271317712

    2000200120022003200420052006

    00168485113025408555

    2000200120022003200420052006

    123770136080156706160770184520237205248769

    2000200120022003200420052006

    524506766067398732008160089020100009

    2000200120022003200420052006

    23483293733015635082450005511072000

    2000200120022003200420052006

    110000124823134804132510121000111175120435

    2000200120022003200420052006

    100410103544126334136415166531207723239503

    2000200120022003200420052006

    414383468326522851546935612504715486806983

    30

    52450

    67660

    67398

    73200

    81600

    89020

    100009

    Penetration

    23483

    29373

    30156

    35082

    45000

    55110

    72000

    3

    110000

    124823

    134804

    132510

    121000

    111175

    120435

    2000

    2001

    2002

    2003

    2004

    2005

    2006

    , .

    2000200120022003200420052006

    414.38468.33522.85546.94612.50715.49806.9871.14%

    126.52127.16115.30104.54110.09135.63140.9412.43%

    5.665.806.205.847.596.248.510.75%

    69.8776.0869.8589.10111.61135.81150.0013.22%

    7.428.329.9913.9818.4223.3827.852.46%

    623.84685.68724.20760.39860.221,016,5471134.29

    414.383468.326522.851546.935612.504715.486806.98371%

    126.517127.157115.301104.542110.094135.63140.94412%

    5.6555.8016.2035.847.5866.2378.5131%

    69.86576.07869.8589.096111.614135.814149.99513%

    7.428.329.99213.97918.41723.3827.8532%

    12 %

    1%

    13 %

    2%

    71%

    15

    15

    15

    15

    5

    15

    25

    15

    40

    7

    17

    , 30 , % ( 2003 .)

    23

    52

    32

    17

    39

    41

    33

    2000'2001'2002'2003'2004'2005'2006'

    EUROPE

    52.4567.6667.39873.281.689.02100.009

    23.48329.37330.15635.0824555.1172

    6.57.8138.628.8513.1523.1829.693

    110124.823134.804132.51121111.175120.435

    15.917.820.1217.519.623.325.5

    19.523.631.56737.48645.37655.51566.772

    12.315.2510.22910.9514.519.821.7

    123.77136.08156.706160.77184.52237.205248.769

    122.105

    Total Europe414.383468.326522.851546.935612.504715.486806.983

    AMERICAS

    Argentina1.7151.0177170101275333

    Brazil12.01211.0211.0312.0415.520.0520.054

    Canada2.2562.6993.13.1613.1573.823.386

    Chile2.653.1233.133.54.29.511.3

    Colombia000000100

    Costa Rica25820821018518010050

    Cuba10811312093190210210

    El Salvador012315710210580191

    Mexico5.036.896.344.5354.67.18.15

    Panama2202200160201240607

    Peru0000095563

    U.S.A.102.268101.74491.14380.69681.8694.1696

    Total Americas126.517127.157115.301104.542110.094135.63140.944

    AFRICA

    Egypt0000113

    Morocco4550190160300430440

    South Africa5.555.585.865.477.15.587.8

    Tunesia60171153210185226270

    Total Africa5.6555.8016.2035.847.5866.2378.513

    ASIA

    China2121.2342.0772.644.3155.8314.3

    Hong Kong2.42.693.0293.254.87.79.71

    Indonesia30110150

    India4706901.291.6151.6251.993.56

    Israel460429354190155325375

    Japan58.47361.56650.3860.5572.53577.2274.53

    Lebanon0102235416195

    Malaysia585842610718730532480

    Oman30362910815

    Philippines00000141150

    Saudi Arabia015010050000

    Singapore2.12.482.62.4352.62.882.955

    South Korea11585553832850850

    Sri Lanka99115110102128201184

    Taiwan3.654.5117.91916233640

    Thailand1.2681.241.2741.4251.51.641.925

    United Arab Emirates00037145440810

    Vietnam00000216

    Total Asia69.86576.07869.8589.096111.614135.814149.995

    AUSTRALASIA

    Australia7.327.919.52713.71618.18123.1327.573

    New Zealand100410465263236250280

    Total Australasia7.428.329.99213.97918.41723.3827.853

    TOTAL WORLD623.84685.682724.197760.392860.2151016.5471134.288

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    5.6555.8016.2035.847.5866.2378.513

    69.86576.07869.8589.096111.614135.814149.995

    7.428.329.99213.97918.41723.3827.853

    2000'2001'2002'2003'2004'2005'2006'

    623.84685.682724.197760.392860.2151016.5471134.288

    414.383468.326522.851546.935612.504715.486806.983

    126.517127.157115.301104.542110.094135.63140.944

    69.86576.07869.8589.096111.614135.814149.995

    1%

    1%

    2%

    3%

    5%

    8%

    12%

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    5888 % - 5

    103580 % - 10

    51980 % - ()

    511690 % - -/ 95 % - 8

    44480 % - 4

    258

    > 80 %"

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    $2,625,155$4442%15%

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    13b , , , . . [2]$6,200,137

    14 , , . .$5,330,906

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    15b 2006 ., . [3]$302

    16 , , . [4]$1,706

    17 , , .$39,911

    18 , , , , . . [5]0.0

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    $6,119,567$298

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    [7]

    30 31 60 61 90 91 - 180 181-360

    26 , , . .1,577,4312,552,0421,294,631750,734$25,299

    27 , .$11,973$19,956$5,987$1,957$38

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    30 31 60 61 90 91 - 180 181-360 360

    28 , , . .2391,93512,4160.00.00.0

    29 2006 , ( )

    , , , . . , .

    , $84,120$3

    , :$2,864,194$51

    $301,505$9

    $805,571$10

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    $6,062$1

    , $68,293$2

    $5,202$1

    - , 0.00.0

    $237,212$3

    0.00.0

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    $816,260$11

    $437,171$7

    , $138,037$3

    $1,699$1

    , , $46,164$2

    $1,016$1

    $92,366$7

    , :$2,203,496$202

    $666,285$50

    $394,644$28

    $15,594$3

    (, , , ..)$367,070$21

    , , , , $278,976$15

    , .$233,151$12

    $247,775$73

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    $30,510$2

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    (, )$886,969$32

    30 2006 [8]

    , , , . . , .

    . $1,567,108$29

    . -$776,651$20

    $28,940$4

    $991,098$71

    - ( . -)$290,945$17

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    $537,644$33

    ( . )$1,061,305$91

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    $2,625,155$4442%15%

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    13b , , , . . [2]$6,200,137

    14 , , . .$5,330,906

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    15b 2006 ., . [3]$302

    16 , , . [4]$1,706

    17 , , .$39,911

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    30 31 60 61 90 91 - 180 181-360

    26 , , . .1,577,4312,552,0421,294,631750,734$25,299

    27 , .$11,973$19,956$5,987$1,957$38

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    28 , , . .2391,93512,4160.00.00.0

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