Coface Debtor Risk Assessments (DRA)

Measures the probability of company default within a 12-month period.

• Simple scale from 0 to 10.
• The higher the score, the lower the risk of default

Debtor Risk Assessment (DRA) Main Advantages

• Reliability

– The methodology of DRA is rigorous. The ratings are updated continuously, depending on the evolution of the general economic situation of the company.

– Not subject to any political and / or economic pressure. (not a solicited assessment)

Transparency and Credibility of the methodology : Coface is using DRA for its own internal needs for Credit Insurance

• Comfort

– Consistency: The meaning of the classes of risk is the same for small and large businesses

– Integration of important volume of data: Consolidate overview of risks

– Homogeneous scores all over the world

• Flexibility

– Can be used as a component (external rating of the standard method), or group of elements (modular architecture), for an internal rating

– The score rates companies that the specialized agencies do not rate

A world of reports

The convenience of one account

• “Freshly investigated” report From the Coface international network covering 95 countries

• Database reports -7 Available online from the Coface database

• Dun and Bradstreet Business Information Reports Online ordering from Dun’s extensive database of information on US and Canadian companies

•Experian Premier Profile reports Real-time access to credit reports on millions of US business

• Bernard Sands CreditPay reports Specialized reports for retail trade

• Equifax Business Credit reports Information on more than 2 million Canadian businesses