The European bank’s guide to asset finance success

Asset finance represents a vital yet understated cornerstone of European banking. While it may represent a smaller slice of balance sheets compared to retail or corporate lending, its strategic importance cannot be overstated. European banks continue to dominate this industry, demonstrating their expertise in equipment financing, vehicle leasing, and specialised asset-based lending.

As per the Asset Finance Europe 50 (AFE50) report 2025, banks accounted for 79% of receivables, highlighting their central position in the market. The banking sector overall increased its market share by 2% in 2024. This performance reflects the strength and resilience of European banking institutions in asset finance markets.

This eBook explores how banks can build upon this position of strength through well-planned adaptation, regulatory compliance, and operational excellence. It also highlights how modern asset finance software can support continued leadership while preserving the fundamental principles that define European financial culture.

Building resilient asset finance in Europe's evolving market

The list of Top 10 companies in Europe’s asset leasing market, as per AFE50 2025, features household names such as BNP Paribas, Société Générale, BPCE (Banque Populaire Caisse d’Epargne), Crédit Agricole, and Rabobank, alongside major auto captives like BMW and Volkswagen. Notably, five French banks feature in the top 10, affirming France’s place at the centre of the European leasing industry.

• France leads Europe with €144.8 billion in lease receivables.
• Germany follows with a little over €68 billion, reflecting its manufacturing and automotive strength.
• The Netherlands ranks third at €27.7 billion boosted by global leasing players headquartered there.
• The UK and Sweden complete the top five with €24.3 billion and €22.4 billion respectively.