Positioning and Background
full name: Ayvens Bank (part of Ayvens Group)
Founded: 1998 (formerly ALD Automotive), In 2023, it will merge and reorganize with
LeasePlanHeadquartersLocation: Paris, France (1-3, rue Eugène et Armand Peugeot, Rueil-Malmaison, 92500)
Nature of Shareholder: Listed Commercial Bank(Euronext: AYV), Société Générale holds a 52.6%[[4][85]] stake, with a total of 14,194 employees.
Core positioning: The world's leading sustainable mobility finance group, focusing on fleet leasing, travel finance and insurance services, and non-traditional retail banking.
service area<
ul style="list-style-type: disc" type="disc">coverage: The business covers 42 countries (the cooperation network has been expanded to 58 countries), with the focus on Europe (France, the Netherlands, Germany, etc.), and the Asia-Pacific region with Singapore as the hub[[59][65]].
Offline outlets: No physical branches, supported by the parent company Ayvens Global Fleet Service Center.
ATM support: does not operate ATMs directly, relies on partner bank networks (e.g. ABN AMRO).
regulatory and compliance<
ul style="list-style-type: disc" type="disc">regulator:
the main supervision of the French Prudential Regulation Authority (ACPR);
Deposit Insurance: Not enrolled in the EU Deposit Insurance Scheme (mainly non-retail savings business).
Compliance record: Fined €960,000 for algorithmic trading vulnerabilities in 2023 and ISO 27001 certified in 2024[[76][85]].
Financial health
key metrics (2025 Q1).
Capital adequacy ratio (CET1): 13.2% (8% above EU minimum).
Non-performing loan ratio: Undisclosed (focus on corporate customers, risk focused on fleet financing).
Liquidity Coverage Ratio: Undisclosed, but the parent company, Ayvens Group, has ample liquidity (Q1 revenue of €819 million ↑ 3.3%).
Note: As a listed company, it has a high level of financial transparency, but its business model makes deposit and loan indicators not applicable.
Deposit & Loan Products
deposit class<
ul style="list-style-type: disc" type="discNo retail savings products: focus on cash management of corporate accounts (e.g. fleet margin accounts).
Featured products: • Special electric vehicle leasing account: the enterprise pre-deposited funds enjoy an interest-free period to pay for charging fees; • ESG-themed capital pool: Green fleet project reserve account, enjoy the return of carbon credits of the parent group.
loan class<
ul style="list-style-type: disc" type="disc">fleet financing:
the interest rate of the electric vehicle fleet loan is 3.5%-5.5% (0.5-1.0 points lower than that of fuel vehicles), and the
threshold: the annual revenue of the enterprise ≥ 5 million euros, and the asset collateral is required[[59][77]].
Flexible repayment: Support seasonal fluctuation repayment (tourism/logistics enterprises adjust according to peak season).
List of common fees
Account management fee: €1,000/year for business accounts (€100,000 reduction for balance>).
Cross-border transfers: 0.1% for SWIFT remittances (minimum €50).
Insurance surcharge: 0.8%-1.5% per vehicle per month (floating according to vehicle type) for fleet full insurance.
Hidden Fees: • Electric vehicle charging network access fee: 200 euros/year (default binding); • Early Termination Penalty: 2% of the cost of the remaining tenancy.
Digital service experience
APP and online banking
User rating: Undisclosed (non-retail-oriented, no mass app store rating).
Core functions: • Real-time monitoring of fleet carbon emissions (linkage with on-board IoT devices); • Unified management of multi-country insurance policies (support Chinese/English/French/German switching); • Blockchain payment and settlement (pilot T+0 cross-border payment).
Technological innovation: • AI charging optimization: dynamically plan fleet charging routes and reduce power costs by 30%; • Open API: Directly connect to enterprise ERP systems (such as SAP and Oracle) for automatic reconciliation.
Customer Service Quality
Service channels: • Dedicated account manager (enterprise users) responds within 2 hours <; • Multilingual live chat (8 languages, including Chinese).
Complaint handling: The average resolution time is 3 days (the complaint rate in 2024 is ↓15%).
Multi-language support: English/French/German/Chinese full coverage, to meet the needs of cross-border enterprises.
Security measures
security of funds: • Segregated custody of funds in corporate accounts (MiFID II compliance); • Real-time transaction monitoring + geofencing alerts (to prevent abnormal movement of fleet assets).
Data Security: • ISO 27001 & ISO 27701 dual certification (privacy information management); • DDoS attack in 2022 (2 hours of service interruption and no data leakage).
Featured Services & Differentiation
ESG Ecological Closed Loop: • Green bond financing: Issuance of carbon neutrality bonds for car companies (Stellantis cooperated to add 500,000 new electric vehicles); • Carbon Credit Trading: Fleet emission reductions can be redeemed for lease discounts.
High-net-worth exclusive: • Customized solutions for multinational enterprises: global flat rate + multi-country tax optimization (threshold: annual lease expenditure > €5 million); • Private travel butler: executive exclusive electric vehicle + helicopter intermodal transportation service.
Market Position & Accolades
Industry rankings: • The world's largest multi-brand car rental company (3.5 million vehicles under management>); • Largest share of electric commercial vehicle financing in Europe (29%).
Awards: • "Best Fintech Leasing Platform" (2024, European Fintech Awards); • "ESG Innovation Leader" (2025, Sustainable Finance Forum).
