Unlock lending capacity. Optimize capital. Retain the profit.

We help financial institutions turn the cost of Basel 3.1 compliance into a driver of Return on Equity. By integrating Captive Reinsurance with Significant Risk Transfer (SRT), we engineer capital relief that stays within your group.

Calculate your capital velocity See how the “captive loop” works

What you get
  • ■ RWA reduction logic mapped to eligible credit risk mitigation
  • ■ Fronting + captive flow engineered for durable capital recognition
  • ■ RAROC / ROE uplift framed for CFO, Treasury, and Portfolio leadership
  • ■ Execution-ready documentation and governance to withstand scrutiny
Typical users

Treasurers, CFOs, Heads of Portfolio Management, and CROs managing binding capital constraints under Basel 3.1 / Basel IV.

The strategic shift

Don’t just transfer risk—recycle it.

Facing the Basel output floor and stricter capital requirements, banks often treat credit insurance as a necessary cost to reduce Risk-Weighted Assets (RWA). We see a missed opportunity.

Why risk transfer alone leaves money on the table

Berrizal Partners structures transactions where your bank purchases credit protection to release regulatory capital, but cedes the risk—and the premium—to your own captive.

  • ■The bank gets the RWA relief required for Basel compliance.
  • ■The group retains the underwriting profit that would otherwise be lost to the market.
  • ■The result: a virtuous capital loop that lowers cost of risk and boosts capital velocity.
The “captive loop”

A capital engine that keeps value in-house.

We bridge banking regulation (CRR/Basel) and insurance mechanics (Solvency II) to make the structure robust, compliant, and economically accretive.

How it works
  1. The bank purchases credit protection from a rated fronting insurer to meet CRM eligibility.
  2. The fronting carrier cedes the risk (and premium) to the bank’s captive via reinsurance.
  3. The group retains underwriting margin and reserve investment economics—while the bank receives capital relief.
Bank
RWA relief
Front
Eligible protection
Captive
Retained economics

The structure is only valuable when it remains enforceable, durable, and defensible under “substance over form” scrutiny.

Who we help

Do more with less.

You’re managing binding capital constraints under the new regime. You need to support lending growth without diluting shareholders.

What we solve
  • ■Challenge: High-quality assets (Trade Finance, Leasing, Corporates) consume too much capital under Standardised approaches.
  • ■Opportunity: Use captive-backed protection to substitute high corporate risk weights with lower insurer risk weights (where eligible).
  • ■Execution: Align CRR/Basel constraints with Solvency II mechanics, fronting, collateral, and governance to make the economics real.
Our solutions

Four ways to unlock capital efficiency.

Captive-Backed Capital Relief

Engineer the full fronting chain and governance so capital relief is eligible, durable, and economically retained.

SRT Advisory

Structure synthetic securitisations to optimize capital efficiency and minimize execution friction—investor or captive participation.

Trade & Receivables Optimisation

Implement Basel-eligible UFCP programs to reduce RWA density while keeping the economic benefit in-house.

Rapid Deployment via Cells

Execute tactical risk transfers in weeks using PCC / rent-a-captive facilities—speed, segregation, lower entry costs.

How we work

From diagnostic to deployment.

01
Identify the trap

Scan portfolios (Leasing, Corporate Loans, Trade) to find where regulatory capital is disproportionately high versus economic risk.

02
Engineer the loop

Structure protection and agreements so coverage is direct, explicit, irrevocable, and unconditional—built for capital recognition.

03
Execute & governance

Support implementation, collateral (funds withheld / trusts), and board-grade governance to satisfy supervisors and auditors.

Ready to unlock your balance sheet?

If capital pressure is binding on high-quality assets, a captive strategy may be your most efficient lever. Start with a feasibility discussion to validate viability and define the execution roadmap.

Start a feasibility discussion