Data, Figures, Facts

Data, Figures, Facts
We built the present
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
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Crédito y Caución
Market shares
Spain
54%
Portugal
25%
Brazil
16%
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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
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Data, Figures, Facts
Asia
China
Hong Kong
Philippines
India
Indonesia
Japan
Malaysia
Singapore
South Korea
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.
Direct presence in
countries
50
Global market
share
65,000
23%
Clients
1,700
billion euros in revenues
Access to information
about more than
Cover in
200
240
markets
Financial strength
accredited by
Moody’s
A3
A
A.M. Best
6
Crédito y Caución
million companies
around the world
Earnings
Atradius
Crédito y Caución
accounts for
23%
In million euros
1,718
Total revenues
1,658
Insurance revenues
Claims
Operating expenses
Reinsurance
Services
Investments
Net profit
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Data, Figures, Facts
-722
-616
-103
8
36
178
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
563
2007
2008
2009
2010
2011
2012
2013
2014
2015
Crédito y Caución
In million euros
Country
Industry
Spain and Portugal
89,601
Chemicals
74,538
Germany
80,398
Electronics
69,797
Durable goods
60,940
Central and Eastern Europe
50,805
United States
43,819
United Kingdom
42,031
France
40,917
Italy
32,735
Steel
59,888
Food
52,056
Transport
50,612
Construction
41,147
Machinery
33,902
Agriculture
28,327
Netherlands
23,914
Nordic countries
24,023
Building materials
24,425
Services
24,113
562,644
billion euros in
commercial credit
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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
1,500
2007
2008
2009
2010
2011
2012
2013
2014
2015
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
1,649
2007
2008
2009
2010
2011
2012
2013
2014
2015
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
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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.
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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
Austria: Vienna
Belgium: Antwerp, Namur
Czech Republic: Prague
Denmark: Åarhus, Copenhagen
Finland: Helsinki
France: Bordeaux, Compiègne, Lille, Lyon,
Marseille, Paris, Rennes, Strasbourg
Germany: Berlin, Bielefeld, Bremen,
Cologne, Dortmund, Düsseldorf,
Frankfurt, Freiburg, Hamburg, Hanover,
Kassel, Munich, Nuremberg, Stuttgart
Greece: Athens
Hungary: Budapest
Ireland: Dublin
Italy: Milan, Rome
Luxembourg: Luxembourg
Netherlands: Amsterdam, Ommen
Norway: Oslo
Poland: Krakow, Poznan, Jelenia Góra,
Warsaw
Portugal: Lisbon, Porto
Russia: Moscow
Slovakia: Bratislava
Spain: See next page
Sweden: Stockholm
Switzerland: Lausanne, Lugano, Zurich
Turkey: Istanbul
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Crédito y Caución
United Kingdom: Belfast, Birmingham,
Cardiff, London, Manchester
Middle East
Israel: Tel Aviv (1)
Lebanon: Beirut (1)
Saudi Arabia: Riyadh (1)
United Arab Emirates: Dubai (1)
Asia
China: Beijing, Guanzhou, Nanjing,
Shanghai (2)
Hong Kong: Hong Kong
India: Mumbai, New Delhi, Kolkata (2)
Indonesia: Jakarta (1)
Japan: Tokyo
Malaysia: Kuala Lumpur (1)
Philippines: Manila (1)
Singapore: Singapore
South Korea: Seoul (2)
Taiwan: Taipei (2)
Thailand: Bangkok (1)
Vietnam: Hanoi (1)
Africa
Kenia: Nairobi (1)
South Africa: Johannesburg (1)
Tunisia: Tunis (1)
Americas
Argentina: Buenos Aires (1)
Brazil: São Paulo
Canada: Almonte (Ontario), Mississauga
(Ontario), Pointe Claire (Quebec)
Chile: Santiago de Chile (1)
Mexico: Guadalajara, Mexico City,
Monterrey
Peru: Lima (1)
USA: Baltimore (Maryland), Chicago
(Illinois), Dallas (Texas), Los Angeles
(California), Morristown (New Jersey),
New York (New York)
Oceania
Australia: Sidney, Brisbane, Melbourne,
Perth
New Zealand: Wellington
(1) Associated company, minority interest or
co-operation agreement with a local partner.
(2) Service establishment and co-operation
agreement with local partner.
Customer service
T: 902 12 00 82
[email protected]
www.creditoycaucion.es
Las Palmas de Gran Canaria
Plaza de la Feria, 40. 6º
35003 Las Palmas de Gran Canaria
T: + 34 928 24 85 48
Valencia
Jacinto Benavente, 14
46005 Valencia
T: 34 963 92 06 00
Headquarters
Paseo de la Castellana, 4
28046 Madrid
T: + 34 91 432 63 00
F: + 34 91 432 65 10
Madrid
Paseo de la Castellana, 4
28046 Madrid
T: + 34 914 32 63 00
Zaragoza
Plaza Salamero, 14. 1º
50004 Zaragoza
T: + 34 976 21 70 77
Branches in Spain
A Coruña
Real, 85. 6º
15003 A Coruña,
T: + 34 981 22 55 91
Málaga
Avda. de Andalucía, 19. 1º
29002 Málaga
T: + 34 952 32 62 12
Murcia
Avda. de la Libertad, 2. Entlo.
30009 Murcia
T: + 34 968 23 65 55
Alcalá de Henares (Madrid)
Avda. Juan Carlos I, 13.
9ª B. Torre Garena
28806 Alcalá de Henares, Madrid
T: + 34 916 77 16 78
Navarra-La Rioja
Avda. Carlos III, 13. 4º
31002 Pamplona
T: + 34 948 20 31 94
Alicante
San Fernando, 19. Principal
03002 Alicante
T: + 34 965 14 15 13
Oviedo
Conde de Toreno, 4
33004 Oviedo
T: + 34 985 24 09 50
Barcelona
Provenza, 216
08036 Barcelona
T: + 34 934 51 43 43
Sevilla
Plaza Nueva, 8. B, 5ª Plta.
41001 Sevilla
T: + 34 954 22 49 05
Bilbao
Gran Vía, 17
48001 Bilbao
T: + 34 944 41 39 00
Tarragona
Rambla Nova, 76. 1º
43003 Tarragona
T: + 34 977 23 53 13
Girona
Avda. Jaume I, 1. 1º 2
17001 Girona
T: + 34 972 22 63 36
Terrassa (Barcelona)
Gutemberg, 3-13. 3º F
08224 Terrassa, Barcelona
T: + 34 937 88 89 12
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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
Lisboa
Avda. Da Liberdade, 245. 3º C
1250-143 Lisboa. Portugal
T: + 351 21 319 03 70
Porto
Praça do Bom Sucesso, 61. 6º
Escritorio 605.
4150-146 Porto. Portugal
T: + 351 22 605 16 10
Mod 09019 04/16