Porsche Finance Group Serbia

What Porsche Finance Group Serbia does

Porsche Finance Group Serbia is the Serbian captive finance arm of Porsche Bank A.G. (Salzburg, Austria), which itself sits within Porsche Holding — the largest vehicle distributor operating in more than 30 countries with over 50 years of vehicle financing experience. Founded in 2006 and headquartered in Belgrade, the group operates through three private limited liability companies: Porsche Leasing SCG d.o.o. (financial leasing), Porsche Mobility d.o.o. (operational leasing and short-term rentals), and Porsche Partner d.o.o. (insurance brokerage). It finances and services vehicles from Volkswagen, Audi, SEAT, Cupra, and Porsche across passenger and commercial segments for individuals, entrepreneurs, and corporate clients in Serbia.

The product portfolio is anchored in financial leasing (with ownership transfer upon final payment, up to 72-month terms, variable nominal rates of 4.25%–4.90% tied to EURIBOR, and minimum 20% down payment for individuals) and operational leasing via Porsche Mobility (1–5 year terms, minimal deposit). Layered on top are Fleet Management for corporate fleets (financing plus maintenance, insurance, tire management, GPS tracking, registration, replacement vehicles, and 24/7 call center), topSERVICE (bundled maintenance, insurance, registration, and tire payments in monthly installments), shareTOO flexible mobility (vehicle rental from 1 day to 12 months), and an insurance brokerage representing 11 carriers. Digital infrastructure consists of two customer self-serve portals (online.porscheleasing.rs, online.porschemobility.rs), an online lease calculator, and electronic contract signing via the ConsentID application.

Revenue is generated primarily through interest spread on financed receivables, recurring monthly lease and rental payments, bundled maintenance fees, insurance brokerage commissions, and usage-based rental income from shareTOO. Customer acquisition is channel-led: most contracts are originated at the point of sale through the authorized Volkswagen Group dealer network across Serbia, supplemented by direct digital channels (company websites, online calculator, customer portals) and a toll-free service line (0800-350-350). Approvals are processed within 24 hours and vehicle delivery completed within 48 hours of complete documentation. The group operates exclusively within Serbia and is privately held as a wholly-owned subsidiary structure.

Name

Porsche Finance Group Serbia

Legal name

Porsche Leasing SCG d.o.o.

Website

https://porscheleasing.rs

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Porsche Finance Group Serbia is the Belgrade-based captive finance arm of Porsche Bank A.G., providing financial leasing, operational leasing, fleet management, insurance brokerage, and short-term mobility solutions for Volkswagen Group brands to individuals, entrepreneurs, and corporate clients across Serbia.

Ownership category

akta.pro rank

Product category

Automotive Financial Services

NAICS

Passenger Car Leasing (532112), Passenger Car Rental (532111), Automotive Equipment Rental and Leasing (5321)

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

SME & Small Business Vehicle Leasing (TLABAAAB), Long-Term Car Rental (Monthly/Extended Hire) (TLABAAAD)

Keywords

• Vehicle financing
• Automotive leasing
• Fleet management
• Insurance brokerage
• Short-term mobility

Headquarters

HQ city

Belgrade

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financial Leasing: Financing product enabling customers to purchase vehicles through installment payments. Upon final lease payment, the customer becomes the owner of the vehicle. Suitable for customers who wish to retain the vehicle at the end of the contract. Available for passenger and commercial vehicles. Maximum financing period is 6 years (72 months).
2. Operational Leasing / Vehicle Rental (Zakup): Vehicle rental model where customers use vehicles without ownership transfer. Porsche Mobility provides vehicles for rent, with customers returning the vehicle or renewing the contract at the end of the lease period. Suitable for companies that regularly change their vehicle fleet. Maximum lease period is 5 years. Minimal deposit required.
3. Fleet Management: Comprehensive vehicle fleet management service for corporate clients with large vehicle fleets. Includes tire management, casco insurance, vehicle registration, replacement vehicles, vehicle pickup/delivery, 24/7 fleet call center, GPS, online client card access, fleet status reporting, and fleet consulting. Provided as a bundled subscription service.
4. topSERVICE Vehicle Maintenance Packages: Vehicle maintenance service allowing customers to pay for regular maintenance, insurance, registration, and tire management through contracted monthly installments. Offered as an add-on to leasing or rental contracts. Covers maintenance as prescribed by the manufacturer, casco insurance, registration with AO policy, technical inspection, green card, fees, stickers, and plates, tire procurement, replacement and storage, protective device installation, and 24/7 roadside assistance.
5. Insurance Agency / Brokerage: Porsche Partner d.o.o. acts as an insurance broker representing multiple insurance companies (Generali, Dunav, Wiener Städtische, Uniqa, Triglav, DDOR, AMS, Globos, Milenijum, Grawe, Sava). Services include casco insurance, mandatory third-party liability insurance, accident insurance, and travel health insurance. Insurance can be purchased as a standalone product or bundled with leasing/rental agreements. Premiums can be paid upfront or in installments.
6. shareTOO Flexible Mobility: Short-term vehicle rental and subscription service offering the latest Volkswagen Group models for periods ranging from 1 day to 12 months. Includes shareTOO RENT (1 day to 3 months) and shareTOO CarSubscription (3, 6, or 12 months). Designed for companies seeking efficient vehicle fleet utilization. Pricing is usage-based with fixed monthly subscriptions for longer periods.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Porsche Finance Group Serbia finances and leases vehicles of Volkswagen Group brands (Volkswagen, Audi, SEAT, Cupra, Porsche) through three operating entities. Porsche Leasing SCG provides financial leasing with ownership transfer at end of contract and a Lizing PLUS variant with larger final installment; Porsche Mobility provides operational leasing/vehicle rental without ownership transfer; Porsche Partner provides insurance brokerage across 11 partner insurers. Supplementary offerings include fleet management for corporate clients, topSERVICE bundled maintenance packages, and shareTOO short-term flexible mobility (1 day to 12 months).

Product overview

Porsche Finance Group Serbia is a financial services company offering vehicle financing and mobility solutions across three operating entities: Porsche Leasing SCG (financial leasing), Porsche Mobility (vehicle rental/operational leasing), and Porsche Partner (insurance brokerage). The product portfolio centers on core financing products—financial leasing (where clients become vehicle owners upon final payment) and vehicle rental/operational leasing (for usage without ownership transfer)—supplemented by Fleet Management (comprehensive fleet administration including maintenance, insurance, and GPS), topSERVICE (bundled maintenance payments), and the shareTOO flexible short-term mobility service (vehicle rental from 1 day to 12 months). Digital platforms include customer online portals (Porsche Leasing Online and Porsche Mobility Online), digital contract signing via ConsentID, and an online lease calculator. The company finances vehicles from Volkswagen, Audi, SEAT, Cupra, and Porsche brands across passenger and commercial segments.

Differentiator

Problem solved

Functional benefit

Brands

• shareTOO: Flexible mobility service for short-term vehicle rental from 1 day to 12 months.
• topSERVICE
• Lizing PLUS

Products and services

• Finansijski lizing (Financial Leasing) Vehicle financing product enabling customers to repay in equal monthly installments and become the owner of the vehicle upon paying the final lease payment. Available for passenger and commercial vehicles from Volkswagen Group brands (VW, Audi, SEAT, Cupra, Porsche). Maximum financing period is 6 years (72 months), with variable interest rates from 4.25% to 4.90% tied to EURIBOR. Minimum down payment 20% for individuals, 10-30% for legal entities.
• Lizing PLUS

Quantifiable outcome

• 48-hour vehicle delivery upon complete documentation submission
• +5 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Generali OsiguranjecoreOthersGenerali Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance. This partnership enables bundled insurance offerings for leasing and rental customers.
• Dunav OsiguranjecoreOthersDunav Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Wiener Städtische OsiguranjecoreOthersWiener Städtische Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Uniqa Neživotno OsiguranjecoreOthersUniqa Neživotno Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Triglav OsiguranjecoreOthersTriglav Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• DDOR OsiguranjecoreOthersDDOR Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• AMS OsiguranjecoreOthersAMS Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Globos OsiguranjecoreOthersGlobos Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Milenijum OsiguranjecoreOthersMilenijum Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Grawe OsiguranjecoreOthersGrawe Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Sava Neživotno OsiguranjecoreOthersSava Neživotno Osiguranje is one of the insurance providers represented by Porsche Partner d.o.o. for vehicle insurance products including casco, mandatory third-party liability, accident insurance, and travel health insurance.
• Raiffeisen BankaminorOthersRaiffeisen Banka's selling exchange rate for foreign currency is used as the reference rate for monthly lease and rental payment calculations. Payments are processed according to the bank's rate on the day of payment.
• Volkswagen Authorized Service NetworkcoreImplementation/ SI/ Consulting PartnerVehicle maintenance services are delivered through a network of authorized Volkswagen, Audi, SEAT, Cupra, and Porsche service centers across Serbia. These include Autokomerc, Porsche Beograd Sever, Porsche Novi Sad, Lakeauto Trade (Čačak), Bros Auto (Niš), and other authorized partners in cities including Belgrade, Novi Sad, Čačak, Kragujevac, Jagodina, Niš, Šabac, Požarevac, and Subotica.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• S-Leasing (Volkswagen Group Captive, Slovenia): S-Leasing is the sister VW Group captive finance arm in Slovenia under Porsche Bank A.G., offering financial and operational leasing on Volkswagen, Audi, SEAT, Škoda, and Porsche brands with the same digital portal and insurance model — making it the most directly comparable peer to Porsche Finance Group Serbia.
• Sixt Rent a Car Serbia: Sixt is a global car rental and subscription provider with operations in Serbia; its short-term rental and corporate car subscription offerings directly compete with Porsche Finance Group Serbia's shareTOO mobility service and with its operational leasing proposition for corporate clients.
• UniCredit Leasing Serbia: UniCredit Leasing provides financial and operational leasing for vehicles and equipment in Serbia, with multi-brand coverage and corporate fleet programs that compete head-to-head with Porsche Finance Group Serbia for corporate and SME vehicle financing customers.
• NLB Leasing Serbia: NLB Leasing, part of NLB Group, provides financial leasing, operational leasing, and fleet management for vehicles in Serbia, serving as a multi-brand competitor to Porsche Finance Group Serbia for both consumer and corporate vehicle financing deals.
• Intesa Leasing Serbia (Banca Intesa): Intesa Leasing is the captive leasing arm of Banca Intesa in Serbia, offering financial leasing and fleet services for passenger and commercial vehicles; it directly competes with Porsche Finance Group Serbia for dealer-financed and corporate fleet customers in the Serbian market.
• Europcar Serbia: Europcar is a major international car rental operator active in Serbia, directly competing with Porsche Finance Group Serbia's shareTOO short-term rental service for both B2B and B2C customers seeking temporary access to vehicles.
• Raiffeisen Leasing Serbia: Raiffeisen Leasing is a major Serbia-based competitor offering financial leasing, operational leasing, and fleet management across multi-brand vehicles; Raiffeisen Banka is also the reference FX rate partner of Porsche Finance Group Serbia, indicating overlapping product sets and customer segments in the Serbian auto-finance market.

Broad incumbents

• LeasePlan (Serbia/Regional): LeasePlan is a global leader in operational leasing and fleet management; in the Adriatic region it overlaps directly with Porsche Finance Group Serbia's fleet management, operational leasing (Zakup), and shareTOO-type short-term mobility products for corporate clients.
• ALD Automotive (Serbia/Regional): ALD Automotive is a Société Générale-owned global fleet management and operational leasing provider; in Serbia and the broader Adriatic region it competes directly with Porsche Finance Group Serbia's fleet management and operational leasing offerings for corporate fleet outsourcing contracts.

Others

• Generali Osiguranje Srbija: Generali is one of the insurance providers distributed by Porsche Finance Group Serbia's Porsche Partner agency, but it is also a broader direct motor insurance competitor in the Serbian market; the relationship exemplifies the overlap between Porsche Finance's insurance brokerage and direct insurer competition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Porsche Finance Group Serbia