Hyposwiss Private Bank
Origin of Hyposwiss Private Bank
Hyposwiss Private Bank Genève SA is a banking institution headquartered in Geneva. The tradition and banking experience goes back for more than a century. The origin goes back to 1889 when Swiss Commercial and Mortgage Bank was founded in Solothurn.
In 1980 the name was changed to Hyposwiss Private Bank Ltd. After the acquisition of Anglo Irish Bank (Suisse) SA, Geneva the name was again changed to Hyposwiss Private Bank Genève SA. The new shareholder of the bank is since 2014 Mirelis Holding SA. In 2016 the bank acquired the client assets of IDB (Suisse) Bank, and in 2017 Hyposwiss acquired the wealth management company Fimanor Financial Management AG, Zurich and the client assets from Compagnie Privée de Conseils et d’Investissements SA “CPCI,” Geneva
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Philosophy and Strategy
The structure of Hyposwiss is synonymous with reliability, stability, and continuity. The bank is focusing on independence, transparency and long-term relationships. Shaped in a long-standing banking tradition, the skilled financial professionals and bankers offer personalized service and genuine listening.
Hyposwiss’s philosophy is to protect and enhance the wealth of their investors, by taking measured risk and making use of all financial instruments, combining traditional and alternative investments. The bank’s managers are professionals with solid expertise in private banking. They can meet the client’s plans and expectations, according to the risk tolerance profile.
Hyposwiss’s independence allows them to offer tailor-made solutions to their clients, focusing on an “open-architecture” that guarantees access to the best financial products available. Hyposwiss perpetuates its know-how in serving its clients with high standards of quality coupled with active and strong personal relationships, respecting the private sphere.
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Services and Solutions
Hyposwiss provides local and international clients with financial, advisory and wealth management services – as well as its experience in securities and foreign exchange trading. It focuses its activities by offering its services to wealthy individuals and families in the areas of private banking and financial engineering.
Investment philosophy
Hyposwiss’s philosophy is to grow and protect the client’s assets by taking measured risks, optimally using all financial instruments, combining alternative and traditional investments. The bank is focusing on long-term growth of capital, based on proven principles and carefully allocation and selecting financial instruments.
Hyposwiss’s strategy focuses on constant diversification by sector and geographic region in different asset classes. The different asset classes are international securities, fixed-rate and convertible bonds, alternative and traditional funds in developed and emerging countries. The bank’s independence allows them to offer innovative and targeted tailor-made solutions to their clients, favoring an open-architecture approach that allows Hyposwiss the freedom of independent advice in the choice of products available in the market.
Asset allocation
The asset allocation is the most critical aspect of the investment process. It is the primary determining factor of the portfolio performance and counts for more than 80% of the investment returns.
Structuring a portfolio means combining capital gains and income potential with adequate risk, by balancing investments between equities and bonds in different currencies. Also, mutual funds, structured products, hedge funds, and real estate funds could be selected.
These objectives are achieved through strategic and tactical allocation, as well as a mix of asset classes taking into account global trends and a continuous review of the risk profile inherent in each of the investments.
Wealth Management
Managing the client’s assets is at the heart of Hyposwiss’s mission. A thorough analysis of the client’s needs and expectations is the starting point for structuring the portfolio. Once the client’s situation is understood, Hyposwiss builds a portfolio that creates an optimal balance between capital preservations, income generations, and sustainable growth.
Management mandate
Hyposwiss Private Bank Genève SA offers a discretionary investment mandate where the asset manager and the team of research specialists are entrusted by the investor with the active management of the financial assets and take responsibility for all investment decisions.
Advisory agreement
For investors wishing to participate in the management of their portfolio and assets actively, Hyposwiss offers an advisory mandate. The investor will be accompanied at all times by a professional investment advisor who will strive to understand the goals and needs to provide adequate solutions.
Financial planning
Having highly professional advice regarding wealth and estate planning is essential. Coordinating the best legal expertise and skills, Hyposwiss assists in the structuring of the client’s assets by regulatory and fiscal requirements. Hyposwiss analyzes the client’s commitments and clarifies any question relating to tax, property values, pension assets and the matrimonial and succession issues.
Family Office
Both in Geneva and Monaco, Hyposwiss’s activities have been extended to provide high net worth families with advice for growing and preserving their assets.
Independent Asset Managers
Hyposwiss offers financial service to independent asset managers. The bank offers as a custodian for the client’s assets full administrative assistance and is acting on behalf of the IAM in all banking activities.
Risk Management
The parent company has a risk management policy that specifies the implementation in the Group. The Board of Directors is conducting an annual assessment of the exposure to risks and limits their impact. The risk management policy of the credit and market risk is reviewed annually by the management. To each risk, a limit is assigned, and the risks are monitored constantly.
The Management Information System (MIS) is informing the management regularly on the cash flows, results, financial situation, and asset and liabilities and their related risks.
The risks are the default risk, the interest rate risk, the market risk, the liquidity risk, the operational risk, and the compliance and legal risk.
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Added-Value Services
Hyposwiss Advisors SA is a wealth management company established in Geneva in 2011, owned by Hyposwiss Private Bank Genève SA. It offers personalized financial advice to investors in the United States and Canada. Global assets are used to build a diversified discretionary portfolio based on performance. A Triangular Partnership: The Investor – The Bank – The Independent Asset Manager. Investors assets are deposited with international banks serving as qualified custodians in Switzerland, the United States, and Canada. Hyposwiss Advisors acts as Portfolio Manager.
Hyposwiss Advisors is registered with the following authorities:
- US Securities and Exchange Commission (SEC)
- Ontario Securities Commission (OSC)
- Québec Autorité des Marchés Financiers (AMF)
Hyposwiss holds a 22.3 % participation in Monaco Asset Management, an independent wealth management company based in Monaco and founded in 1999.
Hyposwiss holds a 35 % participation in Stavanger Asset Manamgent, a wealth management company based in Stavanger, Norway founded in 2012.
Fimanor Financial Management AG is a Swiss private wealth management company established in Zurich in 1984. Hyposwiss holds 100% of the shares of Fimanor.
Mirelis Holding SA
Mirelis Holding the owner of Hyposwiss is run by the Lawi family, a banking family from the Middle East. The family has been established in Switzerland and Canada for more than 60 years.
Hyposwiss Private Bank – Facts & Figures
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| Address | Rue du Général-Dufour 3, 1211 Geneva |
|---|---|
| Phone | +41 22 716 36 36 |
| Website | www.hyposwiss.ch |
| Year of foundation | 1997 |
| Subsidiaries | 3 |
| No. of employees | 133 |
| Rating | – |
| Chairman | Solly S. Lawi |
| CEO | Niels Bom Olesen |
| Eligible Regulatory Capital | 60.586 m CHF |
| Tier 1 Ratio | 28.20 % |
| Leverage Exposure | 1.559 bn CHF |
| Leverage Ratio | 3.90 % |
| Liquidity Coverage Ratio | 300 % |
| Risk Weighted Assets | 214.839 m CHF |
| Loans outstanding | 470.101 m CHF |
| Assets under Management | 6.576 bn CHF |
| Assets under Management / Employees | 49.443 m CHF |
| Net profit | 6.890 m CHF |
| Net Profit / Employees | 51’804 CHF |
| Cost / Income Cost Ratio (CIR) | 84.38 % |
| Return on Equity | 10.1 % |
| Own structured products | No |
| Foreigners accepted | Yes |
| Presence abroad | Israel, Monaco, Norway |
Source: Annual Report 2021
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