Core capital optimization through insurance rating transfert on ongoing business

The use of insurance cover for capital mitigation is not only applicable to new or prospective underlying commercial lendings.

It is also applicable for already running and active funding.

Leasing, multy year commercial based warranties, sureties can be sided with insurance covers based on the Easybond®program,

allowing the customer (bank) to limit the insolvency risk related to the repayment of the loan, but also to apply, where feasible, for the mitigation of the reserve capital under the Basle II / III protocol.

This application of the Easybond®program certainly involves a cost to the bank, which is not transferable or anticipated and calculated at the origin with the customer.

However, it gives the bank the ability to improve the risk profile related to the customer's loan or towards a particular component, geographical or thematic or temporal, of the medium and long-term exposure portfolio. The valuation is made not on a portfolio basis but on a single risk basis.

At the same time, the reserve capital parameters can be recalculated and optimized, or by improving them or by allowing through the new capital parameter so achieved to generate additional business.

Easybond®core cap optimizer is not a specific insurance product but an original approach of the Easybond® system to the planning of our client banks' financial basis use

The economic values and technical conditions indicated, the description of the covers and the policy details are purely indicative and non-binding. The insurance company and the subscription agency reserve the right to assess and decide on the assumption of risks and the emission of policies.

Swissdacs GmbH (Schweiz)               

Weissbadstrasse 1

Appenzell 9050, Switzerland

Tel. +41 71 5349843,  +41 78 8505480

Swissdacs GmbH (Österreich)

Bonigstrasse 11,

6973 Höchst, Austria

Tel. +43 660 6865680   

Swissdacs GmbH (U.K.)

4-5 Lovat Lane

EC3R 9DT London, U.K.

+41 78 8505480


Switzerland FINMA, Reg. nr. 29880

Austria BMWFW Reg. 803, G.Reg.Nr. 20778

European Passport Rights in all countries of the European Community

Swissdacs GmbH, all rights reserved. Easybond® and Riskdacs® are registered European trade marks of Swissdacs GmbH.

The use of content, articles and information contained in this web site is not permitted unless specifically authorized in writing.

Swissdacs GmbH (Switzerland) is registered as Insurance Broker at the Swiss Financial Market Supervisory Authority FINMA, Reg. nr. 29880

Swissdacs GmbH (Austria) is registered as Insurance Broker at the Österreichisches Bundesministerium für Wissenschaft, Forschung und Wirtschaft, Reg. 803, Gew.Reg.Nr. 20778

Swissdacs GmbH (Austria) is registered under European Passport Rights Regulation as Insurance Broker in all countries of the European Community

Swissdacs GmbH (U.K.) is registered in U.K. as branch of Swissdacs GmbH (Austria)

Copyright Swissdacs GmbH 2019