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Solutions for Banks and Financial Institutions

The current landscape for many banks and financial institutions continues to grow in complexity as heightened regulatory requirements and uncertain environment put increasing pressure on managing risks.

As the global leading partner for trade credit protection, we provide an extensive range of solutions, which are tailor made to fit the needs of financial institutions and their clients anywhere in the world.     

Our solutions for banks and financial institutions

Transactional cover

Our Transaction Cover Unit (TCU) offers customised solutions to mitigate mid to long-term commercial and political risks for corporate, trade and project financing:
 
  • Trade finance: import letter of credit issuance and confirmation, silent guarantees, bank facilities (supply chain finance, receivables discounting, transactional), borrowing base facilities, bonds support 
  • Corporate finance: revolving credit facilities, term loans
  • Structured finance: export finance, commodity finance, project finance, asset finance
 
Key benefits to financial institutions:
 
  • Pressure relief on counterparty exposure and country lines 
  • Increases of financing capacity
  • Flexible risk sharing 
  •  Risk-weighted asset (RWA) optimisation
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Investment Solutions

We offer co-lending and alternative private debt investment on behalf of Allianz entities, with a focus on senior loans in project, structured trade, export and corporate finance across a wide range of sectors and markets including emerging countries.

Key benefits to financial institutions:

  • Support to the originate-to-distribute model
  • Increased capabilities with borrowers
  • Capital relief through a funded solution
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Factoring and capital relief

We offer protection against non-payment of receivables you purchased as part of receivables financing activity. This can be on a portfolio basis, on a single supplier or on a relevant selective portfolio depending on your needs.
 
Key benefits to financial institutions:
 
  • Enables non-recourse financing and unlocks potential for Risk-weighted asset (RWA) optimisation
  • Allows you to integrate credit protection into your pricing and to diversify your portfolio
  • Provides access to our proprietary intelligence network and tools to make better-informed decisions and manage your exposure
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Digital solutions

We offer powerful solutions that allow you to reduce costs and deliver added value to your existing customers with a rich digital experience, and that can also help you generate new leads.
 
Our insurance as a service API (Application Programming Interface) offers real-time invoice-based digital factoring to small and medium companies to protect against non-payment. It also helps merchants and market places to grow their business by allowing differed payment to their customers.
 
We provide real-time guarantees on a transaction basis and can also provide all included “buy now pay later” solutions.
 

Through open innovation, we’re building strong partnerships with major international banks to jointly develop new services based on data and technology. 
 

Key benefits to financial institutions:

  • Risk-free recurring revenue
  • Innovation and value proposition to your customers
  • Fully-digitised processes
  • Cost savings
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Surety bonds and guarantees

We offer multiple front-end and back-end partnership solutions with regard to risk sharing in a disclosed or undisclosed set-up.

We can participate in your bilateral surety arrangements, in joint arrangements and in syndicated loan solutions.

We can also support your capital relief programs with portfolio-share solutions on surety and guarantee.

Key benefits to financial institutions:

  • Non-competitive solution, bringing capital relieve and risk-weighted asset (RWA) optimisation
  • Reduced concentration risks on countries and clients
  • Strong local professional support and expertise thank to our international surety network
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Cover One: medium-term cover for equipment and service sales operations

Cover One is a bespoke solution for single contracts, which protects client’s earnings and profitability, and reassures financial partners.

Thanks to a dedicated and structured assignment of the receivable, you can maximise the benefits of indemnity for capital relief reasons – particularly when involved as financing party of the mid-term business.

Key benefits to financial institutions:·        
  • Transfer of counterparties’ risk
  •  Pricing optimisation
  • Support of clients and business partners
  • Improvement of your clients’ financial capacity
  •  Reduced concentration risks
  •  Risk-weighted asset (RWA) optimisation
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Cover Lease: insurance for all or part of movable goods leasing contracts

Cover Lease protects against the risk of non-payment of instalments under leasing agreements, with a non-cancellable insurance coverage, up to 5 years.

Benefits to financial institutions:

  • Preservation of profitability, enabling recovery of unpaid rents
  • Improved financing conditions
  • Increased funding capacity
  • Support of clients and business partners in their growth
  • Better management of risk concentration
  • Risk-weighted asset (RWA) optimisation
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Bancassurance

This bundle offer is based on a distribution partnership and includes:

Trade credit insurance to your customers to protect them against the non-payment of receivables.
Business fraud insurance to your customers to protect them from the risk of external, internal or cyber fraud.  
Surety bonds to your customers with tight credit lines to enable more profitability and less risk.
Mid-term to your customers to cover non-payment of medium-term receivables.

Key benefits to financial institutions:

  • Non-risk reccuring revenue
  • Enriched value proposition to your customers
  • Claim assignment 
  • Daily insight into your customer’s risk portfolio
  • Reduced probability of defaults of clients

6 key reasons to partner with Euler Hermes

  1. Reliability: Owned by Allianz, we’re unrivalled in our financial solidity thanks to our AA rating from Standard & Poor’s.
  2. Experience:  As a 120+-year-old credit insurer, banks and businesses have long relied on us to weather many economic challenges and climates.
  3. Knowledge: Our proprietary intelligence network analyses daily changes in corporate solvency representing 92% of global GDP, giving our clients and partners  essential information to trade with confidence. 
  4. Global presence: Thanks to our global risk teams, present in 50+ countries, more than 100 banks worldwide already chose to partner with us. 
  5. Service: Acting as a non-competing silent partner, we provide multiple products and powerful digital solutions in every country.
  6. Sustainability: We drive the ESG agenda to support businesses in responding effectively to unexpected challenges and to contribute in placing the economy at the service of our planet.

Want to know more about credit protection?

Click below to find us in your country and contact our local teams. They’ll be happy to answer your questions.

Discover our solutions

Whether you wish to minimise your trade credit risk or protect your contractual obligations, we have solutions that suit your needs. Find out more. 

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