iberinform business information, company evaluation and marketing databases
DESCRIPTION
Iberinform, business information, company evaluation and marketing databasesTRANSCRIPT
www.iberinform.es 1March 2010
Presentation for:
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35 years of experience in preparing financial information and analyses for paymentdefault risk management.
Database containing 4,500,000 companies and sole traders.
700,000 reports investigated a year - The only company that supplements publiclyavailable information with face-to-face interviews.
Grupo Crédito y Caución - Spain's leading credit insurance company and one ofthe world's foremost companies with a direct presence in 40 countries.
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Locate any company or self-employed individual
Identify solvent potential clients
Improve knowledge about your regular clients
Track the evolution of any company in real-time
Manage your decision-making about credit and client payment deadlines
Know your own suppliers
Study your company's positioning compared to the competition
The experience of the market leader in commercial risk management to:
We help you take better decisions
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Alerts System
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Free service. Minimum 100 companies
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Do you need to know your clients' situation
or monitor their evolution in real-time?
The most comprehensive analysis of your trading partners
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Commercial reports
Appraisals and monitoring service
0 Maximum
1High
2
3
Moderate4
5
6
Good7
8
9Excellent
10
Active Alerts
Service
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Investigated Commercial Reports
How is the company performing now?
Confirmation of current status
All included in RAI(Unpaid
Acceptances Register)
The most updated data
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Investigated Commercial Reports
The importance of up-to-date economic data
The most up-to-date financial data
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Investigated Commercial Reports
More relevant information
Data not available from other
sources
Data not available from other
sources
Data not available from other
sources
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Investigated Commercial Reports
How is the company performing now?
Data not available from other
sources
Picture of the premises
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Methodology used to design Iberinform models
Risk management ratings
Further information at http://www.sas.com/offices/europe/spain/success/iberinform.html
- Rating that estimates the likelihood of a company recording a profit in the next balance sheet to be filedwith the Companies Registry.
Profitability Rating
- Rating that estimates the likelihood of a company being solvent in the next balance sheet to be filed withthe Companies Registry.
Solvency Rating
The rating obtained is the result of a mathematical model based on an analysis of several economic,
financial and qualitative variables (sector, legal status, the company's age, geographical location and
the company's size), which are obtained from official sources or through research, including
Iberinform's experience, to determine the influence these factors have on the company's solvency.
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Risk management ratings
Estimate the likelihood of a company defaulting in twelve months
Further information at https://www.iberinform.is/Novedades/rating-morosidad-iberinform.htm
- Estimate the likelihood of a company meeting its payment obligations over the next twelve months.
- Some of the variables used to create the Model include:
General Information
Legal form
Situation of the firm
Activity Sector - CNAE (National Classification of Economic Activities)
Age of the company
Number of employees in the company
Share capital of the company
Province
Official Gazette of the Companies Registry
Filing of accounts in the last 2 years
Increase / Reduction of Capital
Merger by Absorption
Change of Corporate Purpose
Company Adaptation
Transformation of the company
Extending the corporate purpose
Partial and total splits
Other corporate situations
Investigated Information
Obtained through interviews
Financial Information
Last year's balance sheet data available
Sales
Fixed assets
Gearing ratio
Liquidity ratios
Profitability ratios
Debt coverage ratio
Productivity ratios
Growth ratios
Structure ratios
Solvency ratios
Negative Information
Claims by public entities
Claims for amounts
Uncollectible loans
Default Rating
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Risk management ratings
Twelve-month forecasts
Easy to interpret (scale from 1 to 10)
Reflect Iberinform's experience in credit risk management
Online access to ratings enquiries
0 Maximum
1High
2
3
Moderate4
5
6
Good7
8
9Excellent
10
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Likelihood of default associated with each rating
Simplify the quantitative and qualitative assessment of each client as part ofthe decision-making process.
They provide objective information that makes it easier to reject clients with a higher level of riskand allows efforts to be focused on analysing clients for which there is insufficient information.
Risk management ratings
RATING MOROSIDAD
0,0%
0,5%
1,0%
1,5%
2,0%
2,5%
3,0%
3,5%
4,0%
4,5%
5,0%
10 20 30 40 50 60 70 80 90 100
Percentiles
Pro
ba
bil
ida
d d
e I
nc
um
pli
mie
nto
en
pa
go
s
Mediana
Máxima
Mínima
Grey
Area
?
Clients
DefaultingBad Good
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Some 10.3% of companies have a high risk of default during the next 12
months.
The Balearic Islands, Asturias, Andalusia, the Canary Islands, the Region of Valencia and
Galicia show particularly significant pockets of risk. The lowest levels are found in Madrid,
La Rioja, Navarre and the Basque Country.
Delinquency Study in Spain (February 2008)
Findings of the study published in February 2008
Further information at http://www.iberinform.es/Noticias/Actuales/noticia127-riesgo-impago-empresas-morosas.htm
Predictive Default Rating
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Evolution of the Delinquency Rate in Spain
Some 12.1% of Spanish companies have a high risk of not meeting their payment obligations
over the next twelve months.
The sector with the highest risk of breaching its payment commitments over the next twelve
months is the construction industry, followed by industry and transport.
http://www.iberinform.es/Noticias_Iberinform/noticia/el-12-1-de-las-empresas-espanolas-tiene-alto-riesgo-de-ser-morosa.html
Delinquency Forecast (Twelve-month forecast)
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Iberinform Web Service
Adaptation and integration with the client's systems
Customises information on risk procedures
Automates corporate risk analysis
Iberinform
XML
How can it be integrated in simple way?
Integrator
Standardised gateway
IntegrationCompany
Information Integration
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Predictive Default Ratings
Example of Customised Portfolio Analysis
This analysis was prepared by IBERINFORM for information purposes only. It should not be construed as any kind of recommendation, offer or contractualdocument.
The estimates and opinions in this document reflect our view at the time of writing and are subject to change. The information used to generate theseappraisals was obtained from sources we consider as reliable. However, Iberinform cannot guarantee their accuracy.
Request the free alerts service
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What do they provide to Risk Managers?
Online(Web)
Web Service(Integration)
Database Cross-Referencing
(Excel/Access File)
Predictive Default Ratings
They anticipate the deterioration of clients' payment capacity.
They minimise the impact of the delinquency.
They simplify client risk management and the analysis of doubtful clients:
a) Acceptances and setting of low credit limits
b) Rejection of risks deemed to be clearly excessive
c) Objective and uniform risk assessment
They improve the efficiency of sales and marketing actions (focusing efforts on goodclients).
They make it possible to integrate ratings in assigning and monitoring of risks
Greater control
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We help you take better decisions
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