Debt and credit rating advice

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Personalised assessment advisory service for customers

Debt and Rating Advice (CRA, Credit rating advisory) is a free value-added service for Banco Santander customers.

At Banco Santander we can advise you on how to achieve the optimal financial structure for your company and we will be with you every step of the way in the process for obtaining financing.

Santander Bank is a leading entity for rating agencies in Spain as we know the Corporate and Project Finance rating methodologies used by the main rating agencies (Moody's, S&P and Fitch).

Banco Santander is a leading organisation among the rating agencies in Spain because we know the rating methodologies of Corporate and Project Finance for the main credit rating agencies (Moody's, S&P and Fitch).

What is Debt and Rating Advice?

Banco Santander Debt and Rating Assessment allows a comprehensive analysis of customer’ balance sheet, taking into account both debt and Equity:

We work together with the managers to improve the understanding of the customer and their financial needs.
We work along with credit products (GDF) to provide a comprehensive overview of the customer’s balance sheet.
We work together with the mergers and acquisitions team (M&A) to assess the impact of certain operations.
We work on the basis of a “shadow P&L”, internally assigning ourselves a percentage of the income based on the role we have had in the operation.
We provide knowledge and experience in certain sectors and companies.
The team specialises in obtaining sustainable and green financing (ESG) certifications, as well as being in permanent contact with the main rating agencies.

How to arrange it

If you want to know more about this service, visit any Banco Santander branch or call us on 912 737 176.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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FAQs

What service does the CRA team provide to customers?

The CRA team provides an overview of the financial structure to customers. It does not have an exclusive focus on a single product, but rather supports both bankers and all GDF and M&A products.

What type of financial analysis does it perform?

Within a global overview of the customer, the CRA analyses the financial structure as a whole. Specifically: debt capacity in M&A processes; potential external rating in case of recommending becoming listed on the capital markets; liquidity analysis; identification of financial needs; capital structure recommendations, etc.

How much does the CRA charge customers for its services?

The CRA works based on a "Shadow P&L". That is, it does not directly charge customers.

To which customers can we offer CRA services?

Given the type of analysis that the CRA does, the selection of customers will be dependent on their size. The customer must be large in size in order to decide whether or not to seek access to the capital markets as an alternative to traditional bank financing.

Do we have the capability to advise customers regarding the process for obtaining a rating?

Yes, our CRA team has the capability to advise customers in the process of obtaining a rating. In fact, it has already advised customers such as ADIF, Aldesa and Prosegur in this process. In turn, it has advised certain customers to refinance financing without recourse with project bonds, such as the Solaben plants 1 and 6 of the Abengoa group.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

FIND A BRANCH OFFICE