Banque Havilland (Suisse) S.A.
Origin of Banque Havilland (Suisse) S.A.
Banque Havilland, Luxembourg wholly own Banque Havilland (Suisse) S.A. The bank is in Geneva and has one branch in Zurich. Banque Havilland was incorporated in the Grand-Dutchy of Luxembourg on July 10th, 2009. Also, wholly owned is Banque Havilland, Monaco. The Group has a 52.5 % stake in Banque Havilland (Liechtenstein) AG.
The bank was founded by the Rowland family and emerged from the family’s desire to create a private bank. The family has many years of experience in the investment and financial sector and sees the establishment of a bank as a natural evolution of its business activities.
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Philosophy and Strategy
Banque Havilland is permitted to carry out all banking activities, but the primary business is the private banking.
The hallmark of the family is financial conservatism, which is also reflected in the management of the bank. Banque Havilland offers the same excellent and discreet services that a wealthy family expects from a private bank.
Banque Havilland’s independence brings several advantages:
- the ability to adapt quickly to the needs of the customers
- no limitation due to cumbersome infrastructures, which are typically found in large banking groups
- innovative services
- no restriction by predefined products
Family ownership also provides stability and continuity to the business – the bank is an integral part of the family interests, both professionally and personally.
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Services and Solutions
Banque Havilland services are portfolio management, investment advice, custody and administration of transferable securities, credit activities and fund administration.
Customers can choose from a variety of multi-currency accounts, including call and fixed-term deposit accounts.
Banque Havilland offers a variety of multi-currency credit cards to meet the personal needs of their clients. The clients can choose between VISA and Mastercard. Also, the bank provides American Express cards, including the green, golden or platinum credit card and the exclusive Centurion card, which is reserved for a qualified clientele.
Foreign Exchange services
Banque Havilland offers services that cover both transactional and hedging needs, as well as rebalancing the currency risk across the assets.
Access to debt capital is a vital part of Private Banking, and Banque Havilland can offer their clients a wide range of credit solutions, from traditional products such as Lombard loans or private mortgages to specific bespoke financing products.
Discretionary Asset Management
Banque Havilland will work closely with their clients to define an investment strategy and create a portfolio that considers the financial needs and goals. The bank’s team of experts will review the portfolio development daily and, keeps the client up to date on performance and valuations.
Advisory Portfolio service
Advisory Asset Management has been designed primarily for those clients who wish to influence decision making and the portfolio management process.
The clients can become part of the investment team and gain access to compelling business ideas offered by the Bank’s Investment Committee. They can also benefit from timely and topic-based, continuously reviewed trading ideas and investment recommendations across a broad range of asset classes.
Clients can also access the platform for third-party funds. Banque Havilland can give their clients access to specialized fund managers who pursue investment ideas and themes that form part of the banking and family investment approach.
These funds cover the full range of financial instruments, like equities, fixed income securities, commodities from all the major markets worldwide.
Banque Havilland offers professional custody and management services that include tailored fund solutions and asset custody.
Direct access to the dealing room
For clients with “Professional Investors” status, the bank offers direct access to their specialists in the trading room. The team is always available to discuss current market activity and provide up-to-date information on the different markets.
Banque Havilland developed the Group’s CFD (Contracts For Differences) activities. This business consists of issuing CFD’s to clients served by the Group. The CFD’s are fully hedged by backing the operation with another CFD on the market or by acquiring the underlying asset.
In 2017 Banque Havilland developed a new risk appetite framework. The Group was repositioned toward the core markets, and the overall risk profile was lowered.
The lending policy of Banque Havilland is very conservative predominantly against eligible securities portfolios and primary homes in selected locations.
Since its inception in 2009 loan losses from new originations have been insignificant and this shows the expertise in cross-border lending Banque Havilland has established.
The bank’s business is exposed to several risks, like the credit risk, the market risk, the liquidity risk, the operational risk and other business risks.
The approach towards risk management is very robust and independent departments are reporting directly to the Executive Management and the Board of Directors.
The Risk Management Department is responsible that the risk of the business is managed correctly and identified by applying a holistic view.
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Banque Havilland Institutional Services S.A. (previously Banco Popolare (Luxembourg) S.A.) was legally merged on October 1st, 2017. The merger has scientifically increased the size and the scale of the bank’s business in Luxembourg, and Banque Havilland can offer a broader range of institutional fund services to their clients.
Banque Havilland runs a consolidated group-wide IT platform, and this puts the bank in a better position to offer their clients great products.
Banque Havilland’s loan book stands at EUR 523 million at the end of 2017 and the cash in hand and at the central banks stands at over EUR 330 million at the end of 2017.
Assets under custody from mainly low-risk institutional investors remained stable, and the client deposit was almost unchanged at the end of 2017.
As part of the new strategy, Banque Havilland has decided to exit from Russia and the bank in the Bahamas is on strategic review.
Banque Havilland (Suisse) S.A. – Facts & Figures
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|Address||Boulevard du Théâtre 10, 1204 Geneva|
|Phone||+41 22 818 82 22|
|Year of foundation||1957|
|No. of employees||18.4|
|Eligible Regulatory Capital||83.859 m CHF|
|Tier 1 Ratio||103.20 %|
|Leverage Exposure||187.561 m CHF|
|Leverage Ratio||44.70 %|
|Liquidity Coverage Ratio||145 %|
|Risk Weighted Assets||81.255 m CHF|
|Loans outstanding||72.751 m CHF|
|Assets under Management||120.768 m CHF|
|Assets under Management / Employees||6.563 m CHF|
|Net profit||11.690 m CHF|
|Net Profit / Employees||635’326 CHF|
|Cost / Income Cost Ratio (CIR)||227.40 %|
|Return on Equity||13.93 %|
|Own structured products||No|
|Presence abroad||Group: Luxembourg, London, Monaco, Dubai, Liechtenstein|
Source: Annual Report 2021
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