Intesa Leasing Beograd

What Intesa Leasing Beograd does

Intesa Leasing d.o.o. Beograd is a Serbian limited liability leasing company founded in 2003 and wholly owned by Italy's Intesa Sanpaolo Group through its Serbian banking subsidiary Banca Intesa Beograd. The company provides financial leasing for passenger and commercial vehicles, agricultural and industrial equipment, and commercial real estate, and in 2025 became the first leasing company in Serbia to introduce operational leasing — a rental-style vehicle product with bundled warranty, insurance and registration services. Its core customer base is small and medium enterprises, entrepreneurs and registered agricultural holdings, with over 70% of the portfolio in the SME segment, supplemented by individual borrowers who receive salaries through Banca Intesa.

The company operates a hybrid distribution model that combines direct sales teams at its Belgrade headquarters and Novi Sad regional center, referrals from Banca Intesa's 147-branch network, and an embedded dealer partner network spanning Mercedes-Benz, Hyundai, KIA, BMW, Ford, Mazda and major agricultural OEMs. Revenue is generated through interest income and processing fees (typically 0.5%) on lease contracts, plus insurance commissions earned through its NBS-licensed insurance representation (since 2016), which covers 11 partner insurers.

On the technology side, Intesa Leasing has invested in digitizing origination: its 'Lizing brzinom espressa' tablet system delivers sub-minute approvals at dealer point-of-sale, and in August 2024 it executed Serbia's first fully digital lease contract using ConsentID qualified electronic signatures. The balance sheet is funded in part by supranational credit lines — including EIB facilities totaling over EUR 125M cumulatively, an EBRD EUR 15M line, and a KfW EUR 15M line for agricultural and rural development financing — giving it access to capital at terms unavailable to smaller domestic competitors. The company is recognized as a market leader in equipment and commercial vehicle leasing in Serbia, with cumulative financed volume exceeding EUR 1 billion across 20 years of operations.

Name

Intesa Leasing Beograd

Legal name

INTESA LEASING d.o.o. Beograd

Website

https://intesaleasing.rs

Company type

Private

Founded year

2003

Operating status

Operating

Short description

Intesa Leasing Beograd is a Serbian financial leasing company, wholly owned by Intesa Sanpaolo Group, that provides vehicle, equipment, and commercial real estate leasing to SMEs, entrepreneurs, and individuals across Serbia, distributed through Banca Intesa's 147-branch network and embedded dealer partnerships.

Ownership category

akta.pro rank

Product category

Financial Leasing Services

NAICS

Rental and Leasing Services (532), Passenger Car Leasing (532112), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Finance Lessors (6172)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL)

Keywords

• Financial leasing services
• Vehicle leasing solutions
• Equipment financing
• Commercial real estate leasing
• Operational leasing products

Headquarters

HQ city

Belgrade

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing - Vehicles: Provides financial leasing for passenger vehicles, commercial vehicles, new and used. Revenue generated through interest income, processing fees, and insurance commissions on mandatory Kasko insurance.
2. Financial Leasing - Equipment: Financing for agricultural machinery, production equipment, construction equipment, and other equipment. Revenue from interest income and processing fees.
3. Financial Leasing - Real Estate: Leasing of commercial real estate including business premises, retail spaces, shopping centers, factories. Revenue from interest income and fees.
4. Operational Leasing: New product introduced in 2025 - operating lease for vehicles with bundled services including extended warranty, full insurance, and vehicle registration. Revenue through lease payments.
5. Insurance Representation: Intesa Leasing acts as an insurance representative (licensed by NBS since 2016), collecting insurance quotes for clients from partner insurance companies and earning commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Intesa Leasing Beograd is a Serbia-based financial leasing company offering financial leasing for passenger and commercial vehicles, agricultural/production/construction equipment, and commercial real estate. The company also provides sale-and-leaseback arrangements, operational leasing (launched 2025), and licensed insurance representation services. Funding is supported by credit lines from EIB, EBRD, and KfW.

Product overview

Intesa Leasing Beograd operates as a financial leasing company offering a comprehensive suite of leasing products including vehicle leasing (passenger and commercial, new and used), equipment leasing (agricultural, production, construction, and other equipment), and real estate leasing (commercial properties, retail spaces, parking). The portfolio includes operational leasing introduced in 2025, Sale & Lease Back arrangements, and insurance representation services. The company also offers specialized credit lines through EIB, EBRD, and KfW partnerships for SME financing and green investments. Additional services include SMS payment notifications, currency calculators, and a secondary marketplace for returned leasing assets.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Leasing (Leasing vozila) Financial leasing for passenger vehicles (new and used) and commercial vehicles (new and used), available to individuals, legal entities, entrepreneurs, and farmers with terms up to 60 months and options in EUR or RSD.
• Equipment Leasing (Leasing opreme) Financial leasing for agricultural machinery, production equipment, construction equipment, and other equipment (including IT, medical, printing, irrigation, hospitality, and self-service laundry equipment). Specializes in agricultural equipment with KfW-subsidized rural development credit lines and grace periods up to 12 months for seasonal cash flows.
• Real Estate Leasing (Leasing nepokretnosti) Financial leasing for commercial real estate including business premises, retail spaces, parking spaces, shopping centers, factories, and agricultural facilities, with minimum 30% down payment and repayment periods up to 10 years.
• Sale & Lease Back Allows clients to sell existing assets (vehicles, equipment, or real estate) to Intesa Leasing and continue using them while paying lease installments, effectively activating otherwise inactive assets for working capital.
• Operational Leasing (Operativni lizing) Vehicle rental for periods up to 4 years, with monthly payments booked as operational expenses (OpEx) rather than capital expenditure. Includes extended warranty, comprehensive insurance, and vehicle registration services, with no ownership obligation at end of term.
• Insurance Representation (Zastupnik u osiguranju) NBS-licensed insurance representation service that helps leasing clients select optimal insurance coverage from 11 partner insurance companies for leased assets, generating commission revenue for Intesa Leasing.

Quantifiable outcome

• Market leader in equipment and commercial vehicle leasing in Serbia
• +4 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered flagship, minor and core.

• Emil Frey AutoCentarflagshipStrategic or Co-development Partner · 14 February 2025Long-term automotive partner providing vehicles for operational leasing, including the first Mercedes-Benz EQA electric vehicle provided to Banca Intesa through operational leasing. Key partner in promoting green technologies and ESG principles.
• Deka InženjeringminorStrategic or Co-development Partner · 1 January 2013Partner in the A Block commercial real estate leasing project. Intesa Leasing financed newly built retail premises (lokali) in A Block for sale-and-lease-back type arrangements with clients.
• Wiener Stadtische OsiguranjeminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Trešnjinog Cveta br. 1, Novi Beograd.
• Generali Osiguranje SrbijaminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Vladimira Popovića br. 8, Novi Beograd.
• DDOR Novi SadminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Bulevar Mihajla Pupina 8, Novi Sad.
• Dunav OsiguranjeminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Makedonska br. 4, Beograd.
• UNIQA OsiguranjeminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Milutina Milankovića 134g, Novi Beograd.
• Triglav OsiguranjeminorOthersOne of 11 insurance companies represented by Intesa Leasing through its NBS-licensed insurance representation service. Located at Milutina Milankovića 7, Novi Beograd.
• AgrostadtminorChannel Partner/ Reseller/ DistributorAgricultural equipment dealer partner offering special fair conditions for tractor financing through Intesa Leasing at the Belgrade Agricultural Fair. Joint marketing and promotional campaign at agricultural sector events.
• ConsentID (Kancelarija za IT i eUpravu)coreTechnology or IntegrationTechnology partner enabling cloud-based qualified electronic signature (ConsentID) for fully digital lease contract signing. Supported by Eim doo and Gemikro d.o.o as implementation partners.

Scale indicators10 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• DLL Group: Rabobank subsidiary and global vendor-finance specialist that provides equipment leasing across CEE, including agricultural, construction, and medical equipment. Broader incumbent addressing Intesa's equipment-leasing segment with deeper vendor relationships and larger ticket sizes.
• ALD Automotive: Global operational leasing leader (Société Générale subsidiary) with established CEE presence. Benchmarks Intesa's new operational leasing entry on bundled-service vehicle leasing - the strategic product category Intesa launched in 2025.

Direct peers

• Eurobank Direktna (Leasing): Greek-headquartered banking group with leasing operations in Serbia via its local subsidiary. Comparable bank-affiliated leasing structure targeting Serbian SMEs with vehicle and equipment financing products.
• OTP Leasing Srbija: Leasing arm of OTP Group in Serbia (following OTP acquisition of VB Leasing), offering financial leasing for vehicles and equipment. Comparable bank-affiliated SME-focused leasing model with similar multilingual dealer-distribution approach.
• Sogelease Srbija: Leasing subsidiary of Société Générale in Serbia, offering financial and operational leasing for vehicles and equipment. Direct competitor in the same SME segment with comparable capital-provider-backed product set.
• Erste Leasing Serbia: Leasing operation of Erste Group in Serbia, focused on vehicle and equipment leasing for SMEs and individuals. Comparable bank-affiliated structure, EIB/EBRD-funded cost of capital, and product portfolio.
• Raiffeisen Leasing Srbija: Leasing arm of Raiffeisen Bank International in Serbia, providing financial leasing for vehicles, equipment, and commercial real estate. Closely comparable business model, target segments (SMEs and individuals), and distribution through bank branches.
• Intesa Leasing Hrvatska: Sister company under Intesa Sanpaolo Group in Croatia, offering the same vehicle, equipment, and real estate financial leasing products. Useful peer for benchmarking pricing, digital origination rollout, and operational leasing expansion across the parent's SEE leasing platform.
• UniCredit Leasing Serbia: Leasing subsidiary of UniCredit Group in Serbia, offering financial leasing for vehicles, equipment, and real estate to SMEs and individuals. Direct competitor with very similar product mix, customer segments, and bank-distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/intesa-leasing-beograd

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Intesa Leasing Beograd