Groupe Renault - 2020 Universal Registration Document

54 GROUPE RENAULT I UNIVERSAL REGISTRATION DOCUMENT 2020 Find out more at group.renault.com 01 OVERVIEW OF RENAULT AND THE GROUP GROUPE RENAULT NEW FINANCING CONTRACTS (excluding personal loans and credits cards) (€ million) 0 5,000 10,000 15,000 20,000 25,000 2020 2016 2017 2019 2018 20 , 604 20 , 922 21 , 395 17 , 828 17 , 933 TOTAL NUMBER OF VEHICLE FINANCING CONTRACTS (thousands) 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 1,771 1,799 1,798 1,520 1,564 2020 2016 2017 2019 2018 NET ASSETS AT YEAR END (1) (€ million) 20,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 2020 2016 2017 2019 2018 43,833 46,930 51,044 47,195 38,259 Net assets at year-end: total net outstandings at year-end + (1) operational leasing operations net of depreciation, amortization and provisions. Average performing assets (APA) (1) related to the Retail Customer business amounted to €37.6 billion, an increase of 1.1%. Average performing assets linked to the Dealer business stood at 9.3 billion, a decrease of 8.8% in connection with a new policy of optimizing inventories. Overall, average performing assets amounted to €46.9 billion, a decrease of 1.1% compared to 2019. A pillar of the group’s strategy, the number of services sold over the last 12 months represents 4.6 million insurance and service contracts, down by 9.6%, of which 70% are associated with the customer and vehicle use-related services. The Europe Region had the highest financing penetration rate among the RCI group regions, at 48.9%, up by 3.5 points compared to last year. The financing penetration rate in the Americas Region was 41.6%, up by 3.6 points compared to 2019, driven by the strong performance of Brazil and Colombia, which achieved high financing penetration rates of 41.1% and 62.8% respectively. The financing penetration rate for the Africa—Middle-East—India and Pacific Region amounted to 41.8%, an increase of 0.9 point compared to 2019. In Korea, more than one in two new vehicles sold by Renault Samsung Motors was financed by RCI Bank and Services, which achieved a financing penetration rate of 57.3%, slightly down by 2.2 points compared to 2019. The financing penetration rate in the Eurasia Region stood at 35.0%, benefiting in particular from the strong performance of Turkey, which recorded strong growth of 13.9 points in Financing intervention to reach 33.8%. This was also the case in Russia, with a Financing intervention rate of 36.5%, a sharp increase of 4.4 points compared to 2019.