Investor Presentaiton
CAJA RURAL
DE NAVARRA
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CAJA RURAL DE NAVARRA -COVID19-IMPACT
SENSITIVITY INDEX TO THE COVID-19 CRISIS TO THE MOST SENSITIVE SECTORS
Sectors exposure to impacts of coronavirus vary. EMEA conronavirus heat map.
REGIONS
SENSITIVE SECTORS
HOSTELS AND RESTAURANTS
Canarias
140,8
231,38
HIGH EXPOSURE
MODERATE EXPOSURE
LOW EXPOSURE
Baleares
130
209,12
Andalucía
110,08
116,2
Automotive and auto suppliers
Chermicals
Valencia
109,79
106,79
Apparel
Murcia
108,51
91,64
TOTAL NACIONAL
100
100
Retail (non-food)
Cataluña
98,14
87,67
Asturias
96,55
93,63
Cantabria
96,09
97,3
Ceuta
94,4
93,12
Services companies
Madrid
93,42
81,32
Consumer durables
Galicia
92,3
Media
Defense
80,52
La Rioja
90,67
86,39
Restaurants
Gaming
Utilitties
Melilla
89,24
93,78
Leisure & entertainment
Education services
Basque Country
88,72
77,23
⚫ Packaging
Extremadura
86,71
77,23
Beverages
Passengers arilines
Tourism/Lodging/Cruise
Global shipping
Manufacturing
Oil and gas
Steel production
Metals & Mining
Building materials
Construction
Technology services
Real state
Retail (food)
CRN is heavily
oriented to
those sectors
identified
by Moody's
as "low" or
"medium"
exposure to
Covid-19.
Telecoms
Pharmaceuticals
Castilla y León
86,65
83,06
Aragón
82,81
76,73
Healthcare services
Navarre
81,96
72,56
Castilla-La Mancha
75,12
73,4
Sensitive sectors: retail and wholesale trade, automotive, hotels and
restaurants, real estate, education, entertainment, artistic and leisure
activities
Source: Data from Social Security system as of March-April 2020.
•
Industrial sectors are much more relevant to the
economy of Navarre and Basque Country (around 30% of
their GDP) than to the Spanish average (15%).
⚫ Moreover, the service sectors most impacted by Covid-19
affect markedly less CRN's portfolio, with a tourism-related
exposure which is half the country's average.
2020 Credit and Sustainability Framework CRN
Source Moody's Investors Service.
Corporate Sector Risk
to COVID-19
loan book impact
Corporate
exposure (millions
of €)
LOW
2.072
MODERATE
HIGH
Share of corporate Share of total loan
exposures
exposures
60,5%
25,6%
870
25,4%
10,8%
481
14,0%
5,9%
TOTAL corporate loan exposures
3.423
TOTAL loan exposures
8.088
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