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Standard & Poor’s mejora la calificación de CESCE


  • La eleva de “estable” a “positiva” y destaca que “las iniciativas comerciales de CESCE comienzan a dar resultado.


Madrid, 12 de abril de 2017.


La agencia de calificación Standard & Poor’s ha revisado al alza la calificación de riesgo de CESCE Seguros de Crédito que pasa de “estable” a “positiva”, al tiempo que confirma en “BBB+” las calificaciones de crédito a largo plazo y de fortaleza financiera de la Compañías.

S&P explica en un comunicado que el negocio de CESCE “es muy sensible a la economía española” por lo que “tras una significativa contracción del volumen de negocio en los últimos seis años, la mejora de las condiciones económicas en España en los cuatro últimos años ha tenido un impacto positivo en la experiencia de reclamaciones de la aseguradora”. Y aunque matiza que esta mejora ha sido contrarrestada por una bajada importante en las tarifas y la demanda, resalta que “la contracción del negocio se reducirá significativamente en 2017 y luego se detendrá por completo en 2018 a medida que la competencia disminuya y las iniciativas comerciales de CESCE comienzan a dar resultado”.

S&P destaca también que el perfil de riesgo financiero de CESCE se beneficia de una adecuación de capital que excede el modelo de capital basado en el riesgo de la agencia. El grupo –añade- “tiene una estrategia de inversión conservadora que se concentra en activos españoles, principalmente bonos del Estado”, para puntualizar que “una mejora de la calidad crediticia de España tendría un impacto positivo directo sobre la adecuación del capital de CESCE sobre la calidad crediticia media de su cartera de inversiones y sobre sus ratings”.

Con estas consideraciones, el análisis de S&P concluye anunciando que “podríamos elevar las calificaciones de CESCE en los próximos 24 meses si se la elevamos a España y si la contracción del negocio fuese menos significativa”.

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