Helia Group Ltd. is an Australian bank with a medium risk rating score of 26.8 in the ESG category. Founded over 50 years ago, Helia specializes in providing lenders' mortgage insurance (LMI) to borrowers in Australia. LMI is typically purchased for loans with a loan/value ratio (LVR) above 80% to protect lenders against potential losses on delinquent properties. Regulated by the Australian Prudential Regulation Authority (APRA), Helia ensures compliance with minimum regulatory capital requirements.