Raiffeisen Leasing Srbija

What Raiffeisen Leasing Srbija does

Raiffeisen Leasing d.o.o. Beograd is a Serbian financial leasing company founded on February 5, 2003, operating as a wholly-owned subsidiary of Raiffeisen banka a.d. Beograd within the Raiffeisen Bank International group. The company provides financial leasing (finansijski lizing) for new and used passenger vehicles, commercial delivery vans, trucks, and industrial equipment (including construction, printing, medical, and other machinery), with contract terms of 2–6 years and ownership transferring to the lessee upon final payment. Its customers span individuals (fizička lica), legal entities (pravna lica), entrepreneurs and preduzetnici including flat-rate taxpayers (paušalci), small and medium enterprises (via an EIB-backed financing program favoring 'green' standard-compliant assets), and the agricultural sector, served through headquarters in Belgrade and branches in Novi Sad and Čačak. Revenue is generated primarily through interest income on multi-year installment contracts (fixed or variable, EUR- or RSD-denominated, indexed to Euribor or Belibor), one-time processing fees of 0.5%–3% of financed value, registry and Credit Bureau charges, and ancillary services such as casco insurance arranged through in-house agents and brokers. The technology stack is a web-based platform comprising an online inquiry form, a Universal Calculator for installment estimation under fixed/variable rate and FX scenarios, a Customer Zone portal, and an Auction Portal for disposing of end-of-lease vehicles. Distribution combines direct sales advisors, physical branches, dealer-network cooperation, and referrals from Raiffeisen bank's branch and digital channels; the company completed the absorption merger of CA Leasing Srbija d.o.o. Beograd on September 30, 2022, consolidating group leasing operations in Serbia.

Name

Raiffeisen Leasing Srbija

Legal name

Preduzeće za posredovanje, promet i usluge Raiffeisen Leasing d.o.o. Beograd

Website

https://raiffeisen-leasing.rs

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Raiffeisen Leasing d.o.o. Beograd is a Serbian financial leasing subsidiary of Raiffeisen banka a.d. Beograd (Raiffeisen Bank International group), providing multi-year financial leasing for vehicles and industrial equipment to individuals, SMEs, legal entities, and entrepreneurs across Serbia.

Ownership category

akta.pro rank

Product category

Financial Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industries

SME & Small Business Vehicle Leasing (TLABAAAB), Used Vehicle Leasing (Pre-Owned Lease Programs) (TLABAAAG), Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL)

Keywords

• Financial leasing
• Vehicle financing
• Equipment leasing
• SME asset financing
• Commercial vehicle loans

Headquarters

HQ city

Beograd

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing - Vehicle Financing: Core revenue from financing passenger vehicles, commercial vehicles, and trucks through financial leasing contracts. Clients pay monthly installments over 2-6 years with ownership transferring upon final payment. Revenue generated from interest rates (fixed or variable), processing fees, and ancillary charges.
2. Financial Leasing - Industrial Equipment: Financing of industrial machinery, construction equipment, printing equipment, medical equipment, and other equipment types. Financing period 2-5 years with minimum 10% down payment. Revenue from interest and processing fees.
3. Processing and Administrative Fees: One-time fees for application processing (0.5% to 3% of financing subject value), contract registration in Financial Leasing Registry, contract deletion from registry, Credit Bureau reports, promissory note blanks, and collateral instruments.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Raiffeisen Leasing Srbija provides financial leasing products to enable the acquisition of vehicles (passenger cars, commercial/delivery vans, trucks) and equipment (industrial machinery, construction equipment, printing equipment, medical equipment, agricultural machinery) for individuals, entrepreneurs, and legal entities in Serbia. Customers make monthly installments over 2–6 years with ownership transferring upon final payment. The company is a subsidiary of Raiffeisen banka a.d. Beograd within the Raiffeisen Bank International group and complements its leasing offering with an EIB-backed SME financing program and integrated in-house casco insurance brokerage.

Product overview

Raiffeisen Leasing Srbija offers financial leasing products for vehicles and equipment, operating as a single unified product line with supporting digital tools. The core product is Financial Leasing (Finansijski lizing), which covers passenger vehicles, commercial/delivery vehicles (kombi), trucks, and industrial equipment. Supporting tools include the Universal Calculator for installment estimation, an Auction Portal for post-leasing vehicle sales, a Customer Zone for client self-service, and an Offer/Sale platform for vehicle listings. Special financing is available through a European Investment Bank partnership program targeting SMEs with favorable rates for environmentally compliant vehicles and equipment.

Differentiator

Problem solved

Functional benefit

Products and services

• Passenger Vehicle Financial Leasing (Lizing putničkih vozila) Financial leasing for new and used passenger cars available to both individuals and legal entities. Used vehicles can be financed up to 4 years old; new vehicles can be financed over 5–6 years. Minimum down payment for individuals is 20% of vehicle price; for legal entities it ranges from 0% to 50% depending on vehicle type and financial condition (most commonly 25%). Ownership transfers to the lessee upon payment of the final installment.
• Commercial Vehicle Financial Leasing (Lizing dostavnih vozila / Kombi) Financial leasing for delivery vans and commercial vehicles aimed at entrepreneurs and legal entities engaged in transport, moving services, or business delivery operations. Helps customers acquire commercial vehicles without large upfront costs to renew or expand delivery fleets.
• Truck Financial Leasing (Lizing teretnih vozila) Financial leasing for trucks and freight vehicles enabling companies to renew their freight fleet without large upfront investments. Available to legal entities with minimum 12 months of operating history and clean account standing.
• Industrial Equipment Financial Leasing (Lizing industrijske opreme) Financial leasing for industrial machinery, construction equipment, printing equipment, medical equipment, and other equipment types. Financing period is 2–5 years with a minimum 10% down payment. Sell-and-lease-back transactions are available for imported equipment; the company does not handle equipment import directly.

Quantifiable outcome

• Vehicle ownership transfer upon final payment - no additional transfer costs or taxes
• +1 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Wiener Stadtische osiguranjeminorOthersInsurance provider referenced for casco insurance premium rates. casco insurance is mandatory for all leased vehicles. Raiffeisen Leasing works with all insurance companies and has in-house insurance agents and brokers to secure competitive rates.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• LeasePlan: Global vehicle leasing and fleet management company with presence across Europe including CEE. Larger incumbent providing operating leases and fleet management at scale; comparable vehicle leasing domain but broader portfolio than Raiffeisen's single-country financial-leasing focus.

Direct peers

• Addiko Bank Leasing (Serbia): Addiko Bank Serbia offers vehicle and equipment leasing solutions for consumers and businesses. Comparable bank-affiliated lessor operating in the same Serbian market with similar financial-lease product structure.
• AK Leasing: Independent Serbian financial lessor providing vehicle and equipment leasing solutions for individuals and SMEs. Competes with Raiffeisen Leasing on the same product categories and customer segments.
• OTP Leasing Srbija: Leasing subsidiary of OTP Banka Srbija (part of OTP Group). Provides financial leasing for vehicles and equipment to individuals and SMEs in Serbia, overlapping directly with Raiffeisen Leasing's core offering and target segments.
• ProCredit Leasing: Leasing operations tied to ProCredit Bank Serbia, primarily serving SMEs and entrepreneurs with vehicle and equipment financing. Comparable product set and customer focus to Raiffeisen Leasing.
• UniCredit Leasing Srbija: Bank-affiliated financial lessor in Serbia offering financial leasing for vehicles and equipment to individuals, SMEs, and corporate clients. Direct competitor across the same product lines and customer segments as Raiffeisen Leasing Srbija.
• NLB Leasing Srbija: NLB Group's Serbian leasing operation, focused on financial leasing of vehicles and equipment for SMEs and individuals. Comparable bank-affiliated lessor competing for the same Serbian customer base.
• S-Leasing (Intesa Sanpaolo group): Serbian financial leasing arm of Banca Intesa (Intesa Sanpaolo). Offers financial leasing for passenger vehicles, commercial vehicles, and equipment - competing head-to-head with Raiffeisen Leasing for the same individuals and SMEs.
• Erste Leasing Srbija: Subsidiary of Erste Group, providing financial leasing of vehicles and equipment to consumers, SMEs, and corporates in Serbia. Operates with the same closed-end financial lease model and customer overlap as Raiffeisen Leasing.

Emerging players

• Volkswagen Financial Services (Serbia): Captive auto-finance arm of Volkswagen Group for the Serbian market, offering leasing and financing for VW, Audi, Škoda, Seat vehicles. Comparable in passenger-vehicle financial leasing but narrower in asset coverage than Raiffeisen.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisen-leasing-srbija

Revenue estimate

Valuation estimate

Number of profiles

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 Raiffeisen Leasing Srbija