Dreyfus Bank Switzerland | Dreyfus Sons & Co Ltd, Banquiers
Origin of Dreyfus Bank Switzerland | Dreyfus Sons & Co Ltd, Banquiers
Dreyfus Sons & Co Ltd, Banquiers was founded 1813 by Isaac Dreyfus-Bernheim. Since the foundation, the Dreyfus Bank is located in Basel and has no branches but five representative offices in Delémont, Lausanne, Zurich, Lugano and one office overseas in Tel Aviv.
The shares of Dreyfus Sons are in family ownership. The principal shareholders are Dege Holding, Basel with 71.4%, Catherine Dreyfus Soguel, Basel with 14.3 % and Pierre Dreyfus, Basel with 14.3%.
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Philosophy and Strategy
Dreyfus Sons business is traditional private banking managing the assets entrusted to them. Besides the individual clients, the bank is also active in support of family offices, corporations, foundations and trusts.
The aim of Dreyfus Sons & Co Ltd, Banquiers is to preserve the value of the assets and to achieve sustainable returns over the long-term.
Dreyfus Sons trades within appropriate limits in securities, foreign exchange, and precious metals as an agent and as a principle.
Dreyfus Sons & Co Ltd, Banquiers strategy is conservative. The Dreyfus Bank invests mainly in money-market instruments, bonds, equities, commodities and specially selected investment funds. The preference is in direct investments globally. Dreyfus Bank also uses investment fund units to achieve efficient portfolio solutions.
The specialist of Dreyfus has developed a tactical and strategic asset allocation model that is the basis for each client portfolio.
The Strategic Asset Allocation model defines the long-term view, where particular attention is paid to the individual risk tolerance. The model shows the proportions of the assets to be invested in bonds, money-market instrument, equities, real estate or commodities.
The Tactical Asset Allocation model is more on achieving an additional return for the portfolio. The model uses medium- and short-term risk and yield variations.
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Services and Solutions
Asset Management:
The key skill of Dreyfus Bank is the asset management. Personal conversation and the joint establishment of the risk profile are building the initial framework for the future success.
Investment Advice:
The experienced relationship managers assist the clients with expert advice on all investment matters. The overall asset situation of the client is essential for the investment decisions.
Family Offices:
The Dreyfus Bank offers a comprehensive advice and management service for family firms and families. Dreyfus can also count on a network of external specialists.
Standard services:
The usual services include securities trading, corporate actions, credit cards, tax documents and Info banking.
Additional services:
Additional services are tax returns in Switzerland, consolidated analyses, legal advice, Lombard loans and financial planning in Switzerland.
Investment Funds:
Dreyfus Sons & Co Ltd, Banquiers is managing several investment funds. The funds are mainly equity funds, but they also manage three bond funds and one balanced fund, called asset allocation fund.
Risk Management
Business risks seem to be very limited. The Dreyfus Bank has a stable business model and a very low staff turnover. Most of the counterparties of the bank have a high credit rating and are regularly monitored. The market risks are diversified as far as possible, and durations limit the interest rate risks. The steady increase of regulations involves a great deal of operational risk.
Dreyfus Sons have a very limited mortgage lending business. The primary lending business is to clients as Lombard loans. Loans which a guaranteed by collateralized assets.
The Board of Directors control, sets limits, manages and identifies the risks. The Executive Management is responsible for the implementation of the risk policy and the risk control.
The market risk in the trading portfolio is identified, managed and limited every day. Only tradable securities with high liquidity are used, and the focus is also on diversification. Derivative instruments are only used for hedging purposes.
Dreyfus Sons tested their client system for the sensitivity of cyber-attacks, and the result showed that the system is secure.
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Added-Value Services
To take account of the increased risks in the banking industry, Dreyfus put 8 million CHF to the reserves in 2017 for the general banking risks. Due to a settlement in the US in 2015, the reserves were reduced but stand now again at 12.5 million CHF. The dividend payout ratio is 2017 is 56.4 %.
Dreyfus Sons is one of the best capitalized and most liquid banks in Switzerland. The leverage ratio is 20%, and the liquidity coverage ratio stands at 525%.
The Dreyfus Bank’s equity is mainly invested in money and capital markets.
The policy and regulatory environment continue to keep Dreyfus & Sons very busy. For the first time, the bank has to report client date under the AEOI (automatic exchange of information) in tax matters.
Dreyfus Bank Switzerland | Dreyfus Sons & Co Ltd, Banquiers – Facts & Figures
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| Address | Aeschenvorstadt 16, 4002 Basel |
|---|---|
| Phone | +41 61 286 66 66 |
| Website | www.dreyfusbank.ch |
| Year of foundation | 1813 |
| Subsidiaries | 1 |
| No. of employees | 209 |
| Rating | – |
| Chairman | Andreas Guth |
| CEO | Stefan Knöpfel |
| Eligible Regulatory Capital | 558.470 m CHF |
| Tier 1 Ratio | 26.73 % |
| Leverage Exposure | 2.844 bn CHF |
| Leverage Ratio | 20.00 % |
| Liquidity Coverage Ratio | 492 % |
| Risk Weighted Assets | 2.089 bn CHF |
| Loans outstanding | 807.400 m CHF |
| Assets under Management | 21.974 bn CHF |
| Assets under Management / Employees | 105.138 m CHF |
| Net profit | 32.673 m CHF |
| Net Profit / Employees | 156’459 CHF |
| Cost / Income Cost Ratio (CIR) | 62.40 % |
| Return on Equity | 5.37 % |
| Own structured products | Yes |
| Foreigners accepted | Yes |
| Presence abroad | Tel Aviv |
Source: Annual Report 2021
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