2019
Annual
Report

We facilitate access to vehicles for all Alliance brands customers – retail customers, corporate customers, and dealers alike – by offering them personalized, flexible financings. We develop connected, customized services to create a simpler and seamless user experience. Every day, the 3,700 employees of RCI Bank and Services work hard to enhance our customers’ experience and adapt to their current and future needs.

Message from Clotilde Delbos

RCI Bank and Services has demonstrated its robustness and its ability to adapt by achieving a new record year in 2019.

Clotilde DELBOS
Acting CEO of Renault SA,
CFO of Groupe Renault
Chairman of the Board of Directors
RCI Bank and Services

AN IMPROVED PERFORMANCE IN 2019

With the global car market down (-4.8%), RCI Bank and Services has demonstrated its robustness and its ability to adapt by achieving new records in terms of sales and financial performance. With a pre-tax income of €1,327 million, RCI Bank and Services has confirmed its important contribution to the Groupe Renault’s results.

A VIRTUOUS RELATIONSHIP WITH THE ALLIANCE BRANDS (1/2)

RCI Bank and Services’ added value is much more than only financial for Groupe Renault and more generally for the Alliance. Its financing packages and personalized services allow carmakers to attract new customers and foster even greater loyalty.

A VIRTUOUS RELATIONSHIP WITH THE ALLIANCE BRANDS (2/2)

RCI Bank and Services also ensures a high level of customer satisfaction. Statistics show that Groupe Renault customers who recommend their dealership are mainly those who took out financing offers of RCI Bank and Services. Lastly, the company is a key partner for the Groupe Renault network, financing its activities and also supporting it by offering digital services such as online signature. This is a virtuous circle and we need to continue in this direction over the months and years ahead.

Outlooks 2020 (1/2)

Particularly as 2020 represents major challenges.

  • The European car market, which is RCI Bank and Services’ main market, will be particularly challenging.
  • The implementation of CAFE standards in Europe will also push carmakers to add electric vehicles to their ranges in order to respect CO2 emissions targets. RCI Bank and Services needs to support them in their sales mix evolution by offering financing packages ensuring that the lowest-emission engines are attractive to customers.

2020 OUTLOOKS (2/2)

I have every confidence in all the teams at RCI Bank and Services to:

  • adapt to the markets and increasingly stringent regulations,
  • transform by adopting increasingly agile new organizational structures and new processes,
  • innovate and extend our range of products and services while also remaining exemplary in every sense.
Man-Woman
3 700
EMPLOYEES
Geolocation
36
COUNTRIES
Car
9
BRANDS
Contract_(signed)
1,8
MILLION OF NEW FINANCING CONTRACTS
stable vs 2018
Credit
21,4
BILLION EUROS
IN FINANCING CONTRACTS
+2.3% vs 2018
Car
44,2 %
OF REGISTRATIONS FINANCED
+1.2 pt vs 2018
Leasing: the shift to greater flexibility​

Leasing: the shift to greater flexibility​

The automotive financing market is changing: customers are more interested in the use of their vehicle than ownership. To meet these new expectations, RCI Bank and Services is developing all-inclusive, customized leasing financings for retail and corporate customers. ​

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Personalizing every customer's experience​

Personalizing every customer's experience​

Giving customers the choice to create their own journey is a must for all brands today. Whether at a dealership or with 100% online financing, see how we offer a seamless customer experience. ​

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 A flexible offering tailored to our customers' needs​

A flexible offering tailored to our customers' needs​

From vehicle maintenance to support for corporate customers, RCI Bank and Services provides packages adapted to the needs of all its customers – individuals and corporate alike. Designed to address the public’s expectations in terms of customized offers, this positions RCI Bank and Services as a leading player in mobility in Europe. ​

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Collaboration, participation and satisfaction

Collaboration, participation and satisfaction

At RCI Bank and Services, we have opted for a collaborative, inclusive and open working environment. Within our high-performance, international and human-scale group, we strive to promote the development of our employees on a daily basis and their involvement in the group’s strategy. Full immersion in our world…

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Retail Customers

Door to Door, A flexible and customized solution in Spain

Retail Customers

Next Generation Nissan JUKE launch: A successful initiative with RCI Bank and Services

Interview

HOW BANCO RCI BRASIL OPTIMIZES DEALERS' DAY-TO-DAY ACTIVITIES?

HR Policy

RCI Bank and Services recognized in Brazil and the UK by Great Place to Work®!

News from all over the world

2019 : une année record en termes de performances pour Banco RCI Brasil sur le marché des véhicules d'occasion
Brazil

2019: a record year for used cars performance in Banco RCI Brasil

2019 was a record year with more than 24,000 used cars financed, and a business…

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Italie Signature électronique
Italy

A full electronic signature for customers in Italy

RCI Bank and Services Italia has consolidated and enriched a full electronic signature process. The…

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Ukraine
Ukraine

A record performance in 2019 for RCI Financial Services Ukraine

In 2019 retail business was at the core of business optimization and RCI Financial Services…

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Argentine
Argentina

Developing customer satisfaction with digital

In 2019, RCI Banque Argentina released applications in order to boost the customer satisfaction. The…

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MAROC - parcours client digital
Morocco

Digital customer journey in Morocco

In a customer-centric approach, RCI Finance Maroc has implemented in November 2019 a financing simulator…

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South Korea

Launch of e-sign in South-Korea

RCI Financial Services Korea has launched in November 2019 a mobile application called E-Sign at…

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Russia

Launch of LADA financing and insurance in Russia

In 2019, RN Bank developed specific retail finance and insurance products for Lada customers: the…

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Roumanie
Romania

Moving in with Groupe Renault!

Our employees in Romania moved in with the teams of Groupe Renault into the new…

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Corée du Sud Kakao Talk
South Korea

New digital experience via KakaoTalk in South-Korea

KakaoTalk is South Korea’s most popular messenger app. Since August 2018, RCI Financial Services Korea…

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UK
United Kingdom

RCI Bank UK has obtained a UK banking license.

Reinforcing its commitment, RCI Bank UK has obtained a UK banking license. This milestone means…

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Slovénie
Croatia

Renault Nissan Fleet Division launched in Slovenia and Croatia

In December 2019, the Adriatic cluster[1] has joined the family of countries that have created…

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Germany

Launch of the digital platform Dacia Online shop in Germany

Renault and RCI Bank and Services Deutschland have introduced in July 2019 the online sale…

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