Insurance Risks

SID Bank insures exports and investments abroad against non-marketable risks, which comprise commercial and non-commercial risks of the nature and level which the private (re)insurance market is reluctant or unable to accept. By insuring these risks we offer exporters, investors and other participants in international trade a solution to reduce non-payment risks, thus creating conditions for stable business on the international level.

Non-commercial risks

Non-commercial risks are risks on which the policy holders and debtors have no influence and are related to the country risk of an importing country or host country of the investment. They include:

  • Public buyer risks (failure of repayment of a loan by the public debtor or a unilateral termination of an agreement by the public-law entity client).
  • Political risks (wars, revolutions and general strikes, moratorium on payments, restriction of conversion or transfer, restriction of import, expropriation and other forms of expropriation).
  • Natural disaster risks.

Commercial risks

  • Protracted default.
  • Forced settlement and bankruptcy.


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where SID bank was present in 2021
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volume of credit portfolio in 2021
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volume of INSURANCE portfolio IN 2021
15. July 2024

SID Bank, the European Investment Fund, and the Croatian Development Bank HBOR have become cornerstone investors in the first technology innovation fund in Slovenia and Croatia.

24. April 2024

Publication of SID Bank's annual report for...

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