Our Solution for Banks

In a nutshell, SRT is a cutting-edge financial strategy brought to you by allswiss, a specialized service provider catering to banks and insurance companies. Its main aim is to assist partner institutions in transferring a portion of the credit risk associated with specific portfolios—like corporate loans, SME financing, or mortgages—over to professional investors in a way that's both efficient and controlled.

This is done through structured solutions such as Credit-Linked Notes (CLNs), guarantee structures, or Mortgage-Backed Securities (MBS).

These financial instruments enable the transfer of risk without having to remove the underlying loans from the institution’s balance sheet, which adds a layer of flexibility and transparency to capital management. By participating in SRT transactions, financial institutions can lower their risk-weighted assets (RWA) and unlock regulatory capital, all while keeping strong relationships with their clients.

Depending on the makeup of the portfolio and the design of the transaction, capital relief can range from 30% to 80%. With these customized solutions, allswiss empowers its partners to boost their lending capacity, improve balance sheet efficiency, and enhance long-term financial stability.

For allswiss, SRT is more than just a compliance tool — it’s a strategic asset for its clients. As a financial services provider catering to banks, insurers, and institutional investors, allswiss utilizes SRT transactions to help its partners enhance capital efficiency and bolster balance sheet resilience. This approach positions the company as a reliable ally for institutions looking to navigate a swiftly evolving regulatory landscape.

While Switzerland’s financial system is strong and well-capitalized, its close ties to the European market mean that changes in the EU — especially regarding leverage reduction and stricter capital regulations — have immediate effects. allswiss addresses this challenge by providing customized SRT structuring, advisory, and execution services that comply with both FINMA and Basel Committee standards.

By implementing these strategies, allswiss empowers its clients to maintain real-economy financing — from small and medium-sized enterprises to large corporations and residential lending portfolios — all while ensuring capital adequacy. The firm’s method blends regulatory accuracy with strategic insight, making sure that every transaction not only fulfills compliance needs but also fosters long-term growth and stability.

Capital Relief:
With SRT, institutions can shift specific credit risks to investors, which helps lower regulatory capital requirements and opens up room for new business opportunities. allswiss is here to guide clients through the entire journey — from analyzing portfolios to structuring transactions — ensuring they achieve tangible capital relief.

Risk Mitigation:
By offloading a portion of credit risk, banks can better manage sector concentration and stabilize their performance. allswiss offers risk modeling and transaction design services, helping clients create a balanced and sustainable risk profile.

Improved Return on Equity:
SRT boosts capital efficiency, enabling institutions to enjoy improved returns on equity without having to expand their balance sheets. allswiss customizes transaction structures to ensure profitability aligns with regulatory compliance.

Liquidity Management:
Well-structured SRT solutions can also enhance liquidity ratios like LCR and NSFR. allswiss weaves these elements into its advisory strategy — making sure that every transaction supports both capital and liquidity objectives.

Europe's financial scene is changing at a breakneck pace, and allswiss, a financial services provider based in Switzerland, is right there to help banks and other financial institutions navigate this shift.

allswiss offer tailored solutions for smarter balance sheet management, better capital utilization, and improved risk control, empowering their clients to stay ahead in a constantly evolving regulatory landscape. One standout feature of their offerings is Significant Risk Transfer (SRT).

This innovative approach allows allswiss to assist partner banks in shifting a portion of their credit risk to external investors, all while enabling them to keep their client relationships intact and continue managing their loan portfolios without a hitch. With the Basel IV regulations—often dubbed the Basel "Endgame"—set to roll out in 2025, these kinds of solutions are becoming more crucial than ever. The new framework brings tougher capital requirements across Europe.

By tapping into allswiss’s SRT expertise, financial institutions can proactively ease regulatory burdens, free up capital, and maintain their competitive edge in a more stringent supervisory environment.