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F&I Conference 2014 Keynote speaker – Andy Gruber, Director, Alphera UK

F&I Conference 2014 Keynote speaker – Andy Gruber, Director, Alphera UK. About ALPHERA Financial Services UK. ALPHERA Financial Services UK is based in Hook, Hampshire.

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F&I Conference 2014 Keynote speaker – Andy Gruber, Director, Alphera UK

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  1. F&I Conference 2014 Keynote speaker – Andy Gruber, Director, Alphera UK

  2. About ALPHERA Financial Services UK • ALPHERA Financial Services UK is based in Hook, Hampshire. • Alphera operates across the F&I sector and provides retail and commercial finance for franchised dealers, independents and brokers. • Worldwide, Alphera provides innovative vehicle finance solutions in more than 25 countries, including the USA, South Africa, Australia and Germany. • Alphera had a record year in 2013 with the highest volume, lowest RV risk and lowest credit risk costs in its history. • For more information, visit our website: www.alphera.co.uk

  3. “F&I Through the Looking Glass”Building Firm Foundations for Sustainable Growth

  4. Economic Overview of the UKCurrent state of the UK economy Red line stands for central bank target. Dark grey lines stand for 15y-averages with max/min-values.

  5. Economic Overview of the UKOfficial Growth Forecasts

  6. Economic Overview of the UKCar industry confidence

  7. Economic Overview of the UKCar industry confidence Market Volume – New and Used (million units)

  8. Economic Overview Age of the current UK car parc Average age of used car market

  9. Looking back at 2013.Development in the Automotive Market. G G G Overall: +10.77% G P G P P V F V P V A F P V F A A A

  10. CAP Gold Book.A new RV setting methodology.

  11. Great forecasts, great results.All rosy for the F&I Industry?

  12. Change in consumer behaviour.Driven by PCP offers and Hyper Competition. Total private car sales by funding type Source: Glass’s

  13. Hyper Competition deals has started to adversely impacted nearly-new RVs, but not yet 3yr values. ASCI and AMCI trend (moving basket) Source: Glass’s, Jan 2007 = 1.00 (RV £/£)

  14. The Challenge of ChangeUpcoming FCA regulations FCA

  15. Looking AheadWhat will the market look like in 2016/2017?

  16. Conclusion What does this mean for motor retailers? • Know your customers and your market: • Targeted campaigns • Targeted customer retention processes • Target the right people for your dealership • Target the right lenders

  17. F&I Conference 2014Thank you for joining us.

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