2020
Annual
Report

Facilitating access to vehicles by offering increasingly personalized financing, services and multi-channel journeys is the mission we focus on every day. Our 3,800 employees have stood by this commitment all throughout this unprecedented year, offering tailored support to all customers of the Alliance brands, whether retail and corporate customers, or dealers. 

Message from Clotilde Delbos
The robust performance of RCI Bank and Services in 2020 demonstrates the resilience of its business model and confirms its strong contribution to Groupe Renault’s results.
Clotilde Delbos
Deputy Chief Executive Officer and Chief Financial Officer of Groupe Renault, Chief Executive Officer of the Mobilize brand, and Chairman of the Board of Directors of RCI Bank and Services.
What word would you use to describe the performance of RCI Bank and Services in 2020?
I would say that the performance of RCI Bank and Services was robust. With pre-tax income of €1,003 million, RCI Bank and Services is continuing to make a strong contribution to Groupe Renault’s results and has confirmed more than ever the resilience of its business model. In addition to our results, I would like to thank the teams of RCI Bank and Services around the world who have shown their commitment, despite unusual working conditions, to support all customers of the Alliance brands (including retail, corporate, and dealership customers) during this unprecedented period.
In what way is RCI Bank and Services an asset for Groupe Renault? (1/2)
I can think of many ways! But I will mention two.
Although 2020 was a particularly difficult year on the economic front, RCI Bank and Services succeeded throughout the year in fulfilling its primary mission, which is to finance all customers of Groupe Renault as well as its dealerships in a challenging environment. And it did so while maintaining a high level of liquidity thanks to the record amount of collected deposits, with €20.5 billion, or 43% of its net assets at end December 2020.
In what way is RCI Bank and Services an asset for Groupe Renault? (2/2)
In addition, RCI Bank and Services is a true benchmark in terms of customer satisfaction, with scores 19 points higher than other captive finance companies. Satisfied customers are loyal and renew their vehicle with the same brand. This is clearly an asset for Groupe Renault.
Satisfied customers are loyal and renew their vehicle with the same brand. This is clearly an asset for Groupe Renault.
What role will RCI Bank and Services play in the development of Mobilize?
Mobilize targets customers who wish to adopt more sustainable, flexible forms of mobility. As a preferred partner, RCI Bank and Services allows Mobilize to provide its customers with easier access to financing services ranging from leasing to payment plans tailored to use. Starting in 2021, RCI Bank and Services will put its expertise to use to allow Mobilize to offer more digital customer journeys and give these customers the option to adapt ownership costs to how they use their vehicle.
Customers at the heart of our ambitions

João Leandro

Chief Executive Officer
Man-Woman
3 800
EMPLOYEES
Geolocation
36
COUNTRIES
Car
9
BRANDS
Contract_(signed)
1,5
MILLION OF NEW FINANCING CONTRACTS
-15.5% vs 2019
Credit
17,8
BILLION EUROS
IN FINANCING CONTRACTS
-16,7% vs 2019
Car
47,5 %
OF REGISTRATIONS FINANCED
+3.3 pts vs 2019
Rising to the occasion in a difficult context

Rising to the occasion in a difficult context

Drawing on a risk management strategy adapted to the situation, RCI Bank and Services demonstrated the solidity of its business model this year. The group has taken a proactive approach to supporting its customers during the crisis, confirming its status as the preferred financial partner of the Alliance brands.

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Data and digital, assets for a unique customer experience

Data and digital, assets for a unique customer experience

Providing each customer with the offer that suits them and best meets their needs: this is our credo. By drawing on digital and data analysis, RCI Bank and Services provides increasingly personalized offers that are key to customer satisfaction and loyalty.

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Accelerating our presence on promising markets

Accelerating our presence on promising markets

Leasing offers, used or electric vehicles: the automotive sector is evolving despite the crisis. Already among the leading financial actors in these areas, RCI Bank and Services is continuing its development by focusing in particular on packaged offers including services.

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Innovating for greater efficiency

Innovating for greater efficiency

Becoming the most innovative finance company by 2024: this is the aim of our “Together 4 Customers” strategic plan. The commitment of our teams is key to achieving this goal. Thanks to a more agile and cross-business organization, RCI Bank and Services is involving all employees in its transformation.

Transform Together ›

An 100% digital after-sales journey to support dealers in Switzerland

Learn more ›

Heycar,
a partnership focused on used vehicles online

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RENAULT BUY ONLINE IN THE UK:
BUYING AND FINANCING A VEHICLE 100% ONLINE

Learn more ›

NISSAN TRIBE:
WORKING TOGETHER TO BOOST PERFORMANCE AND AGILITY

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News from all over the world

Russia

Balloon loans for used vehicles

Since end 2020, RN Bank and Renault Russie have provided the option of a balloon…

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Le véhicule Arkana
South Korea

Bespoke financing for the Arkana SUV

To support the launch of Arkana, the first SUV coupé from Renault Samsung Motors in…

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France

Dealerships: MOVE, the new seller workstation

In 2020, DIAC deployed, along with manufacturers, the new “Move” seller workstation. This working tool,…

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Une cliente consulte notre plateforme en ligne Carily
France

100% digital sales journey

Our French subsidiary DIAC has developed tools for retail customers to purchase and finance used…

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Colombia

100% online insurance

RCI Colombia has developed two tools for taking out a car insurance policy 100% online….

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Un Xray en Ukraine
Ukraine

Supporting the launch of Lada Finance

In October 2020, our Ukrainian subsidiary in partnership with UKRAVTOVAZ (private importer) and Crédit Agricole…

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Une cliente achète un produit en ligne.
Slovenia

The digitalized purchase process

The new functionality for signing financing contracts electronically improves the experience of Renault, Dacia and…

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