Banks

Credit risk insurance for financial institutions

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Effective credit risk management

Credit risk insurance protects bank clients against the financial consequences of a default by a counterparty. Banks can use credit risk insurance to distribute risk and manage capital more effectively. 

Howden's Credit & Political Risks team blends expertise in banking, insurance, and regulatory law to find innovative solutions for clients. Backed by deep, long-term insurer relationships, we deliver tailored solutions that help move our client's business forward. 

We can help you to:

  • Manage exposures
  • Optimise capital
  • Enhance operational efficiency
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What Howden achieves for clients

Capital relief

Basel-compliant insurance meets capital requirement regulations, freeing up capital for investment. 

Reduced costs

Credit risk insurance is often a more competitive product than other hedging tools.

Increased capacity

Risk sharing with insurers as non-competitive, silent partners to enable your business to trade more with less net exposure.

Which asset classes do we support?

Howden is a trusted partner to 30+ global and regional banks. We help clients embed credit insurance distribution functions and manage portfolios of insured assets, both for risk enhancement, concentration, or limit management. Our deep expertise means we can support a wide range of banking activities - we're always evolving and taking on new risks. We support our clients in the following, but not limited to, sectors:

Aviation finance 

Export finance

Acquisition finance 

Metals and mining 

Sustainable finance

Project finance

Shipping finance 

Corporate loans 

Subscription finance 

NAV finance 

Leverage finance

Global markets

Structured finance

Supply chain finance

Sovereign lending

The Innovation of the Year Award

Award-winning expertise

The Granular Portfolio Insurance Product – developed by Howden in partnership with BNP Paribas and Liberty – won Innovation of the Year at the 2024 SCI Capital Relief Trades Awards.

Bank clients benefit from pari-passu and ground-up coverage under one unified policy, consolidating all the insured limits within the portfolio.

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Expert industry insights

Stay up to date with the latest regulatory changes and proposed changes with insights from our Financial Institution & Advisory team. Explore how the changes could affect your balance sheet and capital, risk-weighted assets, or business model.

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