PKB Privatbank
Origin of PKB Privatbank
PKB Privatbank was founded 1958 in Zurich as Privat Kredit Bank. In 2000 the registered office was transferred to Lugano. The bank has offices in Bellinzona, Geneva, Zurich, Lausanne, and Panama. The Group also owns Cassa Lombarda, Milan which has offices in Rome, Bergamo, Como and Busto Arsizio.
The major shareholder of PKB Privatbank is the Trabaldo Togna family through the holding company Auriga SA, Luxembourg. Auriga SA holds 100 % of PKB’s capital and PKB holds 99.5 % of Cassa Lombarda’s capital.
Cassa Lombarda was established 1923 in Milan and is specialized in private banking and asset management.
PKB Banca Privada SA, Panama is a wholly owned subsidiary and offers private banking services in the Latin American region.
The Group also includes PKB Servizi Fiduciari SpA, Milan an Italian fiduciary company, 70 % owned by PKB and 30 % by Cassa Lomarda.
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Philosophy and Strategy
PKB Privatbank is a Swiss bank with a national and international outlook.
PKB’s priority are the clients. For them, numbers are significant but more critical is the relationship to the customer. The clients of PKB are individuals, families, self-employed professionals and entrepreneurs.
PKB Privatbank offers the same services as a big bank put has the personal touch of a Swiss private bank. Protection, confidentiality, and discretion of the private sphere are the key values of PKB. Every client is unique and has his projects, requirements, and goals. PKB offers, therefore, are very personalized and varied advice. The senior relationship managers are available for all clients, the size of the assets doesn’t matter.
Vital is a lasting relationship with the client who must be able to rely on a professional and fast response. If the client is successful, the bank will also be successful.
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Services and Solutions
Asset Management
The clients can count on a qualified and closely-knit team of professionals. The aim is to select investments which optimize the risk and return of the portfolio. The globalization of the world economy and the multiplication of financial instruments have widened the spectrum of investment opportunities but also increased the risks for the client.
The tendency is clearly towards discretionary asset management services. PKB Privatbank’s team has a broad range of economic and financial expertise. They react swiftly to economic shocks or unexpected trends.
An alternative to the traditional asset management is the fund-based asset management. This requires an open architecture to select the best managers. Quantitative and qualitative analysis models are used to select the best investment funds.
If the client wants to manage their assets personally, PKB Privatbank offers a personalized investment advisory service.
Loans and Corporate Banking
PKB Privatbank offers Lombard loans and mortgages to their clients.
For business clients, the Corporate Banking division is a quality partner as an expert in financial solutions for their businesses. The services include:
- Foreign exchange
- International payments
- Commercial and mortgages loans on properties in Switzerland
- Treasury and investment management
- Consultancy and management of interest rate and currencies risks
- Trade finance such as letters of credit and guarantees
Capital Markets and Foreign Exchange
PKB Privatbank is one of the leading dealers on the primary Swiss franc bond market. They define investment strategies and trade new Swiss franc bond issues. PKB is also very active in the foreign exchange markets.
Independent Asset Managers
PKB is a serious partner for external asset managers. They benefit from all PKB’s services and experience. The bank offers support in market analysis, the search and selection of investments, the consultancy in administrative and legal matters, execution of orders, foreign exchange transactions, setting-up of structured products.
Risk Management
The Trabaldo Togna family sets the strategic guidelines and the goals for the PKB Group. It ensures that the values are respected.
The Board of Directors is responsible for the overall risk policy and establishes the risk framework. The Board of Directors is supported by the Audit Committee which has advisory functions. The Risk and Compliance Committee manages, measures and controls the risks of PKB. For each risk, category limits are set which are checked regularly.
The main risks PKB Privatbank is exposed to are the credit risk, the market risk, the trading risk, the liquidity risk, the operational risk and the legal and compliance risk.
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Added-Value Services
The third pillar of PKB Privatbank’s business, after Switzerland and Italy, is going to be Latin America, especially Argentina and Colombia where the bank is planning to open branches. The driving force behind this move is Bernardo Brunschwiler, a veteran Latin American banker, who worked for UBS, Credit Suisse and BSI in senior roles in Latin America before he joined PKB. PKB Privatbank has roughly 1 billion CHF in Latin American assets under management. These assets are mainly booked in Panama. PKB is the only Swiss bank with a banking license in Panama.
PKB Privatbank is very passionate about art. Art is not only a collection for them but also a real asset. Great masterpieces are an investment for the future. Serafino Trabaldo Togna was very sensitive to the whole subject of art as an investment. He started the bank’s collection in the 1980s. He concentrated on Renaissance work from the Lombardy and later expanded it to include contemporary art. At present, the collection contains around one hundred international works.
In 2012 PKB Privatbank entered into a partnership with the Musée de l’Elysée in Lausanne, the center of excellence for the development and preservation of visual heritage with a collection of over 100’000 photographic collections and images.
PKB Privatbank – Facts & Figures
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| Address | Via S. Balestra 1, 6901 Lugano |
|---|---|
| Phone | +41 91 913 35 35 |
| Website | www.pkb.ch |
| Year of foundation | 1958 |
| Subsidiaries | 3 |
| No. of employees | 448.5 |
| Rating | – |
| Chairman | Umberto Trabaldo Togna |
| CEO | Luca Venturini |
| Eligible Regulatory Capital | 393.581 m CHF |
| Tier 1 Ratio | 26.93 % |
| Leverage Exposure | 3.524 bn CHF |
| Leverage Ratio | 11.20 % |
| Liquidity Coverage Ratio | 178 % |
| Risk Weighted Assets | 2.549 bn CHF |
| Loans outstanding | 1.642 bn CHF |
| Assets under Management | 13.788 bn CHF |
| Assets under Management / Employees | 30.742 m CHF |
| Net profit | 2.405 m CHF |
| Net Profit / Employees | 5’362 CHF |
| Cost / Income Cost Ratio (CIR) | 87.97 % |
| Return on Equity | 0.58 % |
| Own structured products | No |
| Foreigners accepted | Yes |
| Presence abroad | Italy, Panama |
Source: Annual Report 2021
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