Banque Thaler SA
Origin of Banque Thaler SA
Banque Thaler SA has its origins in a wealth management company founded in 1982 and is based in Geneva. The bank has two branches, one in Zurich and one in Basel. Banque Thaler was formerly known as KBC Banque (Suisse) SA and changed its name in 2000.
In 1999 Banque Thaler was taken over by its management and a partnership of private and institutional investors.
In 2001 and 2003 the management and the private investors increased their stake in the bank to anchor it more firmly in Switzerland. Since that point, the bank is completely independent.
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Philosophy and Strategy
The shareholder structure of Banque Thaler is atypical. The management and senior private bankers are shareholders of the bank, thus maintaining a true entrepreneurial spirit. Directly concerned by the future of the bank, they make every effort to control risks, act responsibly and demonstrate long-term commitment. The satisfaction of the bank’s customers is the key to the long-term sustainability of the organization.
Banque Thaler combines the seriousness of a recognized bank with the flexibility of a family office.
The bank deliberately chooses to remain a medium-sized bank, and this gives them an undeniable competitive added value, namely a rapid decision-making process, a great deal of flexibility in the processing of transactions, and finally an open relationship of trust between the bank’s executives and their clients.
This dynamic approach also allows Banque Thaler to adapt their investment strategy flexibly according to the situation of the financial markets, making their management mode reactive compared to the often static management of large institutions.
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Services and Solutions
Banque Thaler is not a universal bank, but a bank dedicated to wealth management. The bank’s job is to manage the client’s wealth and ensure capital preservation, growth, and control of risk. Banque Thaler’s priority is to preserve the client’s capital while optimizing its return potential: diversification, liquidity and risk management are the basic principles.
The bank’s investment strategy is based on a geopolitical and macroeconomic analysis that allows them to identify the opportunities offered by the markets and to be responsive to the challenges of these markets. Banque Thaler takes special care in controlling the risk/return ratio. Diversification and a well-thought-out allocation in the different asset classes combined with particular care of the currency distribution, contribute largely to obtaining a regular and satisfactory performance.
Banque Thaler has adopted an independent model of open architecture for financial products, and the bank invests the time and care needed to research and select the appropriate investment instruments. The wide range of financial products available to Banque Thaler allows them to build quality portfolios that are different from traditional portfolios.
The discretionary portfolio management has a non-standard approach and has the following investment profiles:
- Focus on capital preservation with minimum risk
- Focus on risk/performance optimization
- Focus on maximizing performance
If the clients prefer to make investments by themselves but would like a specialist opinion, then Banque Thaler can offer a consulting service that helps the client to find the way through the world of finance. Banque Thaler offers a wide range of financial products, like shares, bonds, investment funds, structured products, options, forwards, futures and precious metals.
Banque Thaler also offers alternative investment funds specialized in long-short equities, multi-strategies, global macro, and distressed securities.
The Board of Directors is responsible for the overall risk policy and the risk management.
Banque Thaler has only very limited market risk exposures. The bank is not trading in commodities, futures or precious metals for their account. The bank’s portfolio consists of equities and foreign exchange positions. The market risk is monitored continuously, and the trading department is responsible for the adherence of the limits set by the Board of Directors.
The Credit Committee and the Board of Directors are granting credits to customers according to the guidelines set out in the risk policy. The credit to customers is mainly granted in the form of Lombard loans, which are pledged by assets.
Interest Rate Risk
Banque Thaler doesn’t have any significant interest rate risk.
By the bank’s guidelines, Banque Thaler uses financial instruments for hedging purposes and the balance sheet management.
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Assets under management increased by 8.4 % in 2017 to 2.562 billion CHF.
Banque Thaler publishes a monthly investment letter focusing on macroeconomic analysis.
The rigorous management of its public finances and political stability have made Switzerland for generations, a key country for investors and international finance.
As a neutral and independent country, Switzerland has built a sustainable society from a political, economic and legal point of view. It is characterized by healthy government finances, a very low unemployment rate (2.4% in August 2018) and an environment that guarantees very strong legal certainty.
Banque Thaler SA – Facts & Figures
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|Address||Rue Pierre-Fatio 3, 1204 Geneva|
|Phone||+41 22 707 09 09|
|Year of foundation||1982|
|No. of employees||34.2|
|Eligible Regulatory Capital||54.367 m CHF|
|Tier 1 Ratio||30.10 %|
|Leverage Exposure||493.850 m CHF|
|Leverage Ratio||11.00 %|
|Liquidity Coverage Ratio||192 %|
|Risk Weighted Assets||180.478 m CHF|
|Loans outstanding||127.369 m CHF|
|Assets under Management||2.830 bn CHF|
|Assets under Management / Employees||82.748 m CHF|
|Net profit||8.053 m CHF|
|Net Profit / Employees||244’030 CHF|
|Cost / Income Cost Ratio (CIR)||60.00 %|
|Return on Equity||12.23 %|
|Own structured products||No|
Source: Annual Report 2021
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