Facts Figures Data

Data
Figures
Key arguments
Facts
What is Crédito y Caución?
Crédito y Caución is the indisputable leader in credit insurance within
Spain and for exports from Spain. Our role is to help Spanish companies
finding new markets and solvent clients by regaining faith in the current
situation of economic uncertainty.
The leading credit
insurer in Spain
in terms of domestic
and export activities
Founded in 1929
The second-largest
operator in Portugal,
where it has been
present since 1997
The third-largest
operator in Brazil,
where it has been
present since 2007
2
Crédito y Caución
Market shares
Spain
51%
Portugal
25%
Brazil
16%
3
Data, figures, facts
15,000
insured companies
A Spanish operator with
a global dimension
4
Crédito y Caución
The world is changing. Expanding now requires more protection and a
larger global presence. That is why Crédito y Caución is much more than
the leading credit insurer in Spain. It is also the only Spanish credit
insurer with a truly global presence to cover foreign trade.
Direct area of activity
Europe
Germany
Austria
Belgium
Denmark
Slovakia
Spain
Finland
France
Greece
Hungary
Ireland
Italy
Luxembourg
Norway
Netherlands
Poland
Portugal
United Kingdom
Czech Republic
Russia
Sweden
Switzerland
Turkey
Middle East
Saudi Arabia
United Arab
Emirates
Israel
Lebanon
5
Data, figures, facts
Asia
China
Hong Kong
Philippines
India
Indonesia
Japan
Malaysia
Singapore
Taiwan
Thailand
Vietnam
Africa
Kenya
South Africa
Tunisia
America
Argentina
Brazil
Canada
Chile
United States
Mexico
Peru
Oceania
Australia
New Zealand
What is Atradius?
Outside Spain we are known as Atradius. Credit insurance is the only product
that can provide an opinion about an end buyer thousands miles away.
Only three operators have an updated opinion anywhere around the world:
one of them is Spanish, that’s us.
The global credit
insurer with
the greatest international
diversification
1.6
billion euros
in revenues
Crédito y Caución is
your operator and centre
of expertise in Spain,
Portugal and Brazil
Direct presence in
countries
50
Access to information
about more than
200
million companies
around the world
Financial strength
accredited by
Moody’s
A3
A
A.M. Best
6
Crédito y Caución
Earnings
Atradius
In million euros
1,627
Total revenues
1,573
Insurance revenues
Claims
Operating expenses
Reinsurance
-575
Crédito y Caución
accounts for
29%
-156
Services
4.1
Investments
38
Net profit
7
-641
Data, figures, facts
161
Commercial credit facilities
Exports deserve a large amount of credit. Credit insurance is playing
a crucial role in the current recession with the aim of reactivating trade,
by helping to redesign the client portfolios of thousands of companies.
We analyse daily 10,000 operations and cover more than 500 billion
euros in commercial credit facilities.
In billion euros
8
642
575
386
399
427
446
460
515
2007
2008
2009
2010
2011
2012
2013
2014
Crédito y Caución
In million euros
Country
Industry
Spain, Portugal and Brazil
85,165
Electronics
67,005
Germany
77,297
Chemicals
63,915
Durable goods
56,347
Central and Eastern Europe
45,925
France
39,170
United Kingdom
36,820
United States
35,150
Italy
26,929
Steel
56,286
Food
48,188
Transport
43,705
Construction
37,238
Machinery
31,629
Agriculture
25,932
Netherlands
23,177
Nordic countries
21,818
Building materials
21,981
Services
21,180
515,114
billion euros in
commercial credit
9
Data, figures, facts
Equity
Atradius
In a situation marked by technical balance, we have reinforced our
solvency levels and technical provisions, so that our insurance
the soundest guarantee is for obtaining payment for a sale of goods
or services on credit.
In million euros
10
854
1,006
905
1,035
1,130
1,196
1,287
1,393
2007
2008
2009
2010
2011
2012
2013
2014
Crédito y Caución
Technical provisions
Atradius
In million euros
11
1,232
2,167
1,508
1,312
1,549
1,593
1,486
1,572
2007
2008
2009
2010
2011
2012
2013
2014
Data, figures, facts
Ownership structure
Crédito y Caución’s financial strength is based on the soundness
provided by the Catalana Occidente Group, one of the leaders in the
Spanish insurance sector and in the worldwide credit insurance.
Consorcio de
Compensación
de Seguros
Nacional de
Reaseguros
España S.A.
Ges Seguros
9.9%
7.8%
5%
3.5%
Grupo Catalana
Occidente
73.8%
Grupo
Crédito y Caución
35.8%
64.2%
Iberinform
12
Crédito y Caución
100%
Crédito y Caución
100%
Atradius
Social responsibility
Our purpose is to contribute to our clients’ commercial success by
providing them with worldwide credit management solutions. We act in
a comprehensive way with our employees, clients and shareholders,
taking into account the impact of our decisions on the communities with
which we work and on the environment.
The ten principles of the Global Compact
The Global Compact is a business strategy
initiative fostered by the United Nations which
establishes ten universally accepted principles
in human rights, labour, environment and
anti-corruption. By adhering to and complying
with them, the companies contribute by making
sure that the globalisation of markets, trade,
technology and finance benefits the economies
and societies everywhere. Like the rest of the
Atradius Group, Crédito y Caución is committed
to its universal practice and acceptance by the
business world.
Human rights
1. Businesses should support and respect
the protection of internationally proclaimed
human rights.
2. Businesses should make sure that they are
not complicit in human rights abuses.
Labour
3. Businesses should uphold the freedom of
association and the effective recognition of the
right to collective bargaining.
13
Data, figures, facts
4. Businesses should uphold the elimination of
all forms of forced and compulsory labour.
5. Businesses should uphold the effective
abolition of child labour.
6. Businesses should uphold the elimination of
discrimination in respect of employment and
occupation.
Environment
7. Businesses should support a precautionary
approach to environmental challenges.
8. Businesses should undertake initiatives to
promote greater environmental responsibility.
9. Businesses should encourage the
development and diffusion of environmentally
friendly technologies.
Anti-corruption
10. Businesses should work against corruption
in all its forms, including extortion and bribery.
We export trust
Europe
Germany: Berlin, Bielefeld, Bremen,
Colonia, Dortmund, Frankfurt, Freiburg,
Hamburg, Hanover, Kassel, Munich,
Nuremberg, Stuttgart
Austria: Vienna
Belgium: Antwerp, Namur
Denmark: Aarhus, Copenhagen
Slovakia: Bratislava
Spain: See next page
Finland: Helsinki
France: Bordeaux, Compiègne,
Strasbourg, Lille, Lyon, Marseille, Nancy,
Orleans, Paris, Rennes, Toulouse
Greece: Athens
Hungary: Budapest
Ireland: Dublin
Italy: Milan, Rome
Luxembourg: Luxembourg
Norway: Oslo
Netherlands: Amsterdam, Ommen
Poland: Krakow, Monciervo, Poznan,
Warsaw
Portugal: Lisboa, Oporto
United Kingdom: Belfast, Birmingham,
Cardiff, Glasgow, London, Manchester
Czech Republic: Prague
Russia: Moscow (***)
14
Crédito y Caución
Sweden: Estocolm
Switzerland: Lausana, Lugano, Zurich
Turkey: Estambul
Middle East
Saudi Arabia: Dubai (**)
United Arab Emirates: Dubai (**)
Israel: Tel Aviv (*)
Lebanon: Beirut (*)
Asia
China: Shanghai (***)
Hong Kong: Hong Kong
Philippines: Manila (**)
India: Mumbay (***)
Indonesia: Yakarta (**)
Japan: Tokio
Malaysia: Kuala Lumpur (**)
Singapore: Singapore
Taiwan: Taipei (**)
Thailand: Bangkok (**)
Vietnam: Hanoi (**)
Africa
Kenia: Nairobi (*)
South Africa: Johannesburg (**)
Tunisia: Tunisia (*)
America
Argentina: Buenos Aires (**)
Brazil: São Paulo
Canada: Almonte, Duncan, Mississauga
Chile: Santiago de Chile (*)
United States: Chicago, Hunt Valley, Los
Angeles, New York
Mexico: Guadalajara, Mexico DF,
Monterrey
Peru: Lima
Oceania
Australia: Sidney, Brisbane, Melbourne,
Perth
New Zealand: Wellington
(*) Associate or with a minority stake.
(**) Cooperation agreement with a local partner.
(***) Established service and cooperation
agreement with a local partner.
Customer service
T: 902 12 00 82
[email protected]
www.creditoycaucion.es
Madrid
Paseo de la Castellana, 4
28046 Madrid
T: + 34 914 32 63 00
Headquarters
Paseo de la Castellana, 4
28046 Madrid
T: + 34 91 432 63 00
F: + 34 91 432 65 10
Málaga
Avda. de Andalucía, 19. 1º
29002 Málaga
T: + 34 952 32 62 12
Branches in Spain
A Coruña
Real, 85. 6º
15003 A Coruña,
T: + 34 981 22 55 91
Alcalá de Henares (Madrid)
Avda. Juan Carlos I, 13.
9ª B. Torre Garena
28806 Alcalá de Henares, Madrid
T: + 34 916 77 16 78
Alicante
San Fernando, 19. Principal
03002 Alicante
T: + 34 965 14 15 13
Barcelona
Provenza, 216
08036 Barcelona
T: + 34 934 51 43 43
Bilbao
Gran Vía, 17
48001 Bilbao
T: + 34 944 41 39 00
Girona
Avda. Jaume I, 1. 1º 2
17001 Girona
T: + 34 972 22 63 36
Las Palmas de Gran Canaria
Plaza de la Feria, 40. 6º
35003 Las Palmas de Gran Canaria
T: + 34 928 24 85 48
15
Data, figures, facts
Branche in Brazil
São Paulo
Av. Angélica 2530, 10º andar,
Consolaçao-São Paulo (SP)
CEP 01228-200 Brasil
T: +55 11 3100 1100
Branches in Portugal
Murcia
Avda. de la Libertad, 2. Entlo.
30009 Murcia
T: + 34 968 23 65 55
Lisboa
Avda. Da Liberdade, 245. 3º C
1250-143 Lisboa. Portugal
T: + 351 21 319 03 70
Navarra-La Rioja
Avda. Carlos III, 13. 4º
31002 Pamplona
T: + 34 948 20 31 94
Porto
Praça do Bom Sucesso, 61. 6º
Escritorio 605.
4150-146 Oporto. Portugal
T: + 351 22 605 16 10
Oviedo
Conde de Toreno, 4
33004 Oviedo
T: + 34 985 24 09 50
Sevilla
Plaza Nueva, 8. B, 5ª Plta.
41001 Sevilla
T: + 34 954 22 49 05
Tarragona
Rambla Nova, 76. 1º
43003 Tarragona
T: + 34 977 23 53 13
Terrassa (Barcelona)
Gutemberg, 3-13. 3º F
08224 Terrassa, Barcelona
T: + 34 937 88 89 12
Valencia
Jacinto Benavente, 14
46005 Valencia
T: 34 963 92 06 00
Zaragoza
Plaza Salamero, 14. 1º
50004 Zaragoza
T: + 34 976 21 70 77
Agencies
T: 902 12 00 82
Albacete
Almería
Badajoz
Burgos
Córdoba
Jaén
León
Lérida
Palma de Mallorca
Sabadell
Salamanca
Santa Cruz de Tenerife
Santander
Vigo
Mod 09019 07/15