EFL - one of the first leasing companies in Poland

EFL is a thriving financial institution with 28 years of experience, first-class specialists and highly specialized infrastructure. Thanks to this, so many customers trust us!

Relevant Figures in EFL’s History

328 506
328 506

Amount of all customers

67 370
67 370

Insurance policies

866 624
866 624

Amount of agreements signed

60 956 420 580 zł
60 956 420 580 zł

Value of investments financed

Registration data

Europejski Fundusz Leasingowy S.A. 53-605 Wrocław pl. Orląt Lwowskich 1

District Court for Wrocław-Fabryczna in Wrocław, the 6th Commercial Division of the National Court Register (KRS) NIP: 897-001-26-57   |    KRS: 0000026609

Share Capital: 674 112 374,73   |   Paid-up capital: 674 112 374,73

Registration documents of EFL and its commercial agencies

Business Profile

EFL – one of the first leasing companies in Poland

Europejski Fundusz Leasingowy S.A. started its operations in June 1991 as one of the first leasing companies in Poland. Since the very beginning of its establishment, it has been the leader in the business sector in question and has been playing an active role in the development of national entrepreneurship. Currently, EFL is a resilient financial institution with 28 years’ experience, which employs top-class experts and has specialist infrastructure facilities. Consequently, this has enabled us to earn the trust of so many customers!

EFL is a provider of comprehensive financial solutions: lease, loan, long-term hire, factoring and additional products. We finance both passenger cars and commercial vehicles, provide lease for machines and equipment, IT hardware (including software). We co-operate with leading manufacturers and suppliers. The Company holds 100% of shares in Carefleet SA, a business specialising in long-term hire services, and is the owner of Eurofactor Polska SA, which offers factoring services. EFL renders its services to customers representing the SME sector and provides financing for prominent transactions conducted by corporate and institutional clients. EFL boasts a well-developed field sales network, which allows it to be always close to customers and ensure comprehensive and high-quality service.

EFL's History

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2018

Strategic Partner for the Leasing Forum

2018 saw the first edition of the Leasing Forum, during which issues relating to ecology, electromobility and car-sharing were discussed.

During the Forum, a debate dubbed “Electric Cars, Autonomous Cars, Transport as a Service – Evolution or Revolution?” was held, which was attended by Radosław Kuczyński, CEO. The meeting brought together the representatives of both Polish and foreign leasing and insurance companies, banks and FinTech firms.

2016

25th Anniversary of EFL

In 2016, EFL celebrates its Silver Anniversary. It has already been 25 years that the Company has been providing funding to economic operators through loan or lease intended for investment in passenger cars and commercial vehicles, heavy-duty vehicles, machines & equipment and real property.

From the very beginning, EFL has been the leader in the business sector in question and the greatest leasing company in Poland.

2013

Comprehensive Offer for Businesses

EFL is consistent in developing its product portfolio while offering lease, loan, rental and insurance facilities, as well as a range of additional services.

The Company brings tangible benefits to customers, which are tailored to their specific business needs and their market situation. In 2013, EFL launched a revolutionary product called “Leasing Swobodny”, allowing the customer to decide on the amount of rental fees throughout the term of the agreement.

2012

Change of Logo. Beginning of Rebranding

In 2012, EFL changed its logo and began the rebranding process concerning the network of sales offices and agencies. The new corporate identity demonstrates the Company’s affiliation with the Credit Agricole Group in a clearer way.

2011

20th Anniversary of EFL

In 2011, EFL celebrated its 20th anniversary. To commemorate this event, a corporate film showing the Company’s achievements and accomplishments was produced.

In 2011, we also saw the opening of the After-Lease Sales Centre in Magnice near Wrocław, which was one of the largest centres in this part of Europe.

The Company proved its market position and the highest quality of products and service offered to customers, as it was awarded the Customer-Friendly Company title, the Premium Brand title for highly reputable companies and the Diamond Prosperity award.

2008

New Growth Opportunities

Between 2007 and 2008, EFL entered into an agreement with Humansoft, which marked the introduction of computer hardware lease into the Company’s offer.

Shortly after that, EFL entered into another agreement with Vobis chain stores – since then, IT hardware lease has been available also directly at the hardware seller’s points of sale.

2007

European Investment Bank, Council of Europe Development Bank – Beginning of Co-operation

Between 2007 and 2008, EFL entered into agreements with the European Investment Bank and the Council of Europe Development Bank, under which it was granted multi-million loans for supporting SMEs. Before, EFL had worked together with the European Bank for Reconstruction and Development.

Collaboration with International Financial Institutions became an important element of the EFL’s operational strategy. Between 2005 and 2012, EFL provided to Polish economic operators the total funding of nearly EUR 1 bln to finance their investments.

2005

Time for Awards and Recognitions

In the years 2004 and 2005, EFL was awarded, among other things, the following titles: “The Best Leasing Company of the Last 15 Years” (An Economic Award presented by “Gazeta Prawna”) and “The Best Business Partner” (an award handed out by the “Home & Market” magazine).

Also, financial products offered by EFL earned public recognition, which included, among other things, a renewable lease and “XXL Leasing Dużego Formatu” (“XXL Large Format Lease”).

2002

New EFL Head Office, New Plans

In 2002, all the CA Group companies moved to a state-of-the-art office building called Centrum Orląt, which was acclaimed as Wrocław’s building of the year.

2001

EFL Noticed by Internationally Renowned Organisation: EFL a part of Crédit Agricole

On 16 November 2001, EFL became a part of the biggest French bank – Crédit Agricole.

2000

First Personal Lease on Polish Market Dubbed “Dobra Rata”

In 2000, EFL introduced a personal lease to its offer. “Dobra Rata” (“Good Rental Fee”) is a unique and the first-ever product available on the Polish market.

1997

EFL Goes Public

In 1997, Europejski Fundusz Leasingowy was transformed into a joint-stock company (spółka akcyjna, S.A.). 2000 saw the first listing of GDRs of Europejski Fundusz Leasingowy S.A. on the Warsaw Stock Exchange and the London Stock Exchange.

1995

First Big Investments of 1995

In 1995, EFL acquired 100% of the shares of Towarzystwo Ubezpieczeniowe “EUROPA”, an insurance company. Two years later, it took over the controlling interest of MR Leasing Serwis, a leasing company.

1994

AS 400 Computer System Implemented

In 1994, EFL implemented AS/400, a modern computer system, which enabled EFL’s network of agencies to work together online.

1991

Company Setup

On 13 June 1991, Europejski Fundusz Leasingowy commenced its operations as one of the first leasing companies in Poland.

In 1992, EFL began the process of opening the network of its agencies throughout the entire country.

Management

Radosław Woźniak

Radosław Woźniak is a graduate of the Faculty of Electronics and Computer Science of the Wrocław University of Technology and of the Faculty of Financial Advisory and Brokerage of the Business Development Institute.

He started his professional career as an entrepreneur and co-owner of a small company in the IT sector. After that he worked at the Getin Service Provider Company as the Vice-President of the Management Board. In 2003, Radosław Woźniak joined EFL – a company to which he has devoted the largest part of his career to date. He started from the position of the Project Manager responsible for cooperation with external financial institutions. After that he became the Deputy Sales Director, responsible for the project of cooperation with PSA, both on behalf of EFL and CA Bank Polska. Between 2005 and 2010, he was the Managing Director of Retail Leasing and Auto Finance Business Lines, after which in January 2010, he was appointed as the Vice-President of the Management Board responsible for Sales and Marketing
In May 2018, Radosław Woźniak became the President of the Management Board of EFL Finance – a company handling the distribution of EFL Group products and being an insurance agent.

Since September 3, 2019, he has held the position of the President of the EFL Management Board.

Radoslaw Woźniak as a Member of the Carefleet SA Supervisory Board, Member of the Eurofactor Polska SA Supervisory Board, and Member of the CA Leasing Serbia Supervisory Board is actively working for the development and promotion of leasing in Central and Eastern Europe.

Radosław Woźniak

President of the Management Board

See profile>

Paweł Lewandowski

Paweł Lewandowski commenced his professional career in 1998 as Key Account manager at the Austria Creditanstalt Bank in Wrocław. At the end of 1999, he established a cooperation with the EFL Group by creating the Special Sales Department as a unit dedicated to sales support for corporate clients. In subsequent years, he held managerial positions in the risk area. From 2002, he worked as a deputy and later as Director of the Risk Management Department, initially being responsible for the area of credit and risk policy areas and later, from 2007, as the Managing Director also in the area of debt collection, post-leasing sales, and agreements control.  Between 2005 and 2014, Paweł Lewandowski worked simultaneously in Credit Agricole Bank Polska, initially as an Advisor to the Management Board responsible for the creation of the risk management and credit processes function for the SMEs segment, and subsequently as a Director of the Risk Department for the SMEs area. Since 1 June 2015, he has been holding the position of Vice-President of the Management Board of EFL responsible for Operations.

Paweł Lewandowski

Vice-President of the Management Board

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Liwia Kwiecień

Liwia Kwiecień has been working with Credit Agricole since 2009, initially as the Department Director, subsequently as the Managing Director, and currently as a Member of the Management Board responsible for the human resources area.

She is an expert in the human resources management area with experience in international business and global B2B corporations. She has also experience working in a multi-cultural business environment.

She commenced work in 1994, in the HR department of Foster Wheeler (global leader in technological solutions for the energy sector). Subsequently, as human resources development manager, she worked in Lurgi (leader in the construction of petrochemical industrial installations). In Bombardier Transportation (manufacturer of signalling systems for railway vehicles) she worked at the position of the human resources director for Poland and Russia, and later, from 2005, she was the human resources director in Whirlpool group in Poland, from where she decided to move to EFL.
In her career, she has developed and implemented numerous human resources projects related to such areas as organisational culture, the involvement of employees, recruitment and development of talents, development of remuneration systems, implementation of technological solutions to the human resources area, outsourcing of HR processes, and much more.

Since 1 June 2015, she has been holding the position of Member of the Management Board for HR in EFL.

Liwia Kwiecień

Member of the Management Board

See profile>

Paweł Bojko

Paweł Bojko commenced his professional career in 1996 as a product manager in the headquarters of Lucas, at that time the only manufacturer and importer of LG equipment in Poland. In 1997-1999, he worked in the FMCG sector in Kesz as the head of analysts and later as marketing manager. Between 1999 and 2001, he worked at IMPEL SA where he was responsible for marketing and later also managed the strategic planning department.
From 2001, in EFL SA, he held the positions of deputy marketing director, advisor to the management board for strategic planning, and, later, controlling director. From 2007, he worked as the Managing Director of the Finance Division and at the same time as the Company’s proxy and a member of the supervisory board of subsidiaries – EFL Finance SA, Carefleet SA and EFL Service SA.
Since 1 June 2015, he has been holding the position of Member of the Management Board for Finance in EFL.

Paweł Bojko

Member of the Management Board

See profile>

Franck Poncin

He started his professional career in 1988 in the Chaix Bank (a regional subsidiary of HSBC Group), where he held the positions of credit risk analyst, business customer advisor, and Department Manager. Between 1993 – 1997, he worked in Crédit Agricole du Midi at the position of corporate customers account manager in the Montpellier business centre and manager of the bank’s local branch in Grande Motte.
Subsequently, between 1997 and 2003, he worked in the General Inspection of the Crédit Agricole Group (IGL). In September 2011, he was appointed Head of the mission. Audit missions were carried out both in Regional Banks and in the Central Group. During the missions, he was responsible for the main areas subjected to audit: credits, banking, sales, risk, finance, and accounting. In 2003 – 2006 he was Market Director in Crédit Agricole Corsica, where he was responsible among others for the operation of two Enterprise Headquarters, managing the activities of local network advisers, and credit risk assessment. After completing his work in Corsica, he took the position of Internal Audit Director in Crédit Agricole Leasing (2006 – 2007).
From July 2007, he was the Credit and Operational Risk Director in Crédit Agricole Leasing &Factoring in France. He managed five departments: two responsible for transaction risk assessment (leasing and factoring separately), the legal department, post-leasing sales department, and the department responsible for processes of IT tools dedicated to making credit decisions.
Franck Poncin has a degree of master in economics. He graduated from the Faculty of Economic Sciences in Montpellier. He also has a Banking School Diploma – Institut de Banque (ITB).

Franck Poncin

Member of the Management Board

See profile>

Philippe CARAYOL

President

Jean-Bernard MAS

Vice-President

Frédéric MADALLE

Member of the Supervisory Board

Stanislas RIBES

Member of the Supervisory Board

Christophe VANDENKOORNHUYSE

Member of the Supervisory Board

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