Banks & Funds

Banks and investment funds operate in an environment where capital efficiency, risk mitigation, and portfolio stability are critical. Matrix specialises in innovative insurance solutions designed to enhance balance sheet strength, reduce exposure, and improve financing terms.

Our insurance-backed strategies help banks optimise lending risk and regulatory capital treatment, while funds gain stability and credit enhancement for their investment portfolios.

Net Asset Value Wrapper

Banks: Credit enhancement for loans backed by fund NAVs.

Funds: Strengthened liquidity, stable valuations, and improved financing options.

Designed to protect investors from NAV fluctuations, the NAV Wrapper provides institutional-grade risk mitigation. It enables private credit and alternative asset managers to secure financing, reduce redemption pressures, and enhance investor confidence.

Non-Payment Insurance

Banks: Reduces risk-weighted assets (RWA) under regulatory capital frameworks.

Funds: Enables debt-backed strategies with lower cost of capital.

For banks and lenders providing credit facilities, Non-Payment Insurance (NPI) reduces counterparty risk by protecting against borrower default. This coverage improves capital efficiency and enables more competitive lending terms.

Residual Value Insurance

Banks: Credit enhancement for loans secured by long-term assets.

Funds: Supports asset-backed strategies by mitigating end-of-term risks.

For asset-backed financing, Residual Value Insurance (RVI) protects against unexpected devaluation at the end of an asset’s life cycle. This tool is essential for structured finance and leasing transactions.

Insurance Wrappers for Structured Finance

Banks: Supports structured lending, reduces capital charges.

Funds: Enhances risk-adjusted returns and broadens investor appeal.

Matrix structures Insurance Wrappers to optimize capital treatment, enhance credit ratings, and improve overall investment security. These solutions integrate seamlessly into structured credit portfolios, infrastructure projects, and securitizations.

Why Matrix?

With deep expertise in alternative investments, underwriting, and structured insurance solutions, Matrix serves as a trusted partner for banks and funds looking to:

• Improve risk-adjusted returns
• Optimize regulatory capital efficiency
• Secure financing on better terms
• Stabilize valuations and enhance investor confidence