Origin of Zähringer Privatbank
Zähringer Privatbank AG was founded in 2015 in Berne. The Zähringers were the founder’s family of the city of Berne.
Zähringer Privatbank AG has a very traditional model. The Bank is owner-managed, all employees participate in the company. The owners of the bank are to 2/3 operative owners where three main owners own more than 50 % of the bank. 1/3 is owned by strategic owners. The amount is less than 33 %.
Zähringer Privatbank has clear structures and flat hierarchies. The organization is like follows:
- Board of Directors
- External Audit
- Internal Audit
- Legal, compliance and risk
- Customers; analyses and investments; finance and logistic
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Philosophy and Strategy
As a start-up, the bank was also set up lean and deliberately focused on niches. Thus, the entire back office is managed by telecom provider Swisscom. The consultants at the front, for example, specialize in third-pillar solutions for companies and self-employed and do not sell their own financial products. Zähringer Privatbank has a very long-term approach.
Zähringer’s clients are entrepreneurs, self-employed individuals like doctors or lawyers and other wealthy clients. The Bank is expanding in the field of vested benefits and cadre provisioning solutions. The Bank is offering these targeted customers individual investment advice without selling the bank’s products or external financial products.
Zähringer Privatbank AG is an independent owner-managed asset management bank. The Bank is gaining the trust of its customer’s thanks to a classic understanding of values. The Bank offers state-of-the-art solutions and a focused strategy. The Bank is well established in the Swiss market.
The clients of Zähringer Privatbank are Swiss private clients. The protection and preservation of their assets are very important to the Bank. Zähringer has many years of experience and can find the right products and services for the needs and wishes of their clients. Risk management plays an important role in the decision-making process.
If the customers are satisfied it will build the foundation of a long-term successful relationship. The clients can count on first-class individual support. The Bank takes the time to analyze the needs of each client. The Bank takes into account the aspects of financial planning and works with strategic partners to deepen the precautionary, family and tax law issues.
Zähringer Privatbank is avoiding conflicts of interest. The focus is on asset management and the Bank offers a transparent fee structure. The Bank does not create its financial products, nor does it distribute them.
Zähringer is an owner-managed company and therefore the entrepreneurs bear the full responsibility and risks of their business activities. The Bank takes a long-term view of the decision-making process. There is no short-term profitability or profit pressure. The foundation of success is long-term satisfied customers.
The investment method puts great emphasis on a broad diversification of the investments. It is very important for the Bank to be transparent. The Bank prefers direct investments like equities and bonds and supplemental invests in cost-efficient index instruments.
Zähringer Privatbank is concentrating on the core competencies and its manageable size as well as the abandonment of proprietary trading and the structuring of financial products, lead to a cautious and risk-aware business strategy.
The advisors support the customers with their commitment and continuity. They always show to their customers both opportunities and risks and they consistently avoid unrealistic returns.
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Services and Solutions
The investment method forms the basis of asset management. Zähringer’s solutions are based on finance theory-based investment methods. The importance is a broad diversification of investments. Further cornerstones are the tradability, transparency and discipline of the investments.
The instruments are grouped according to their risk characteristics. The positive relationship between opportunities and risks allow visualizing risk-return combinations available in the market.
The customer’s investment strategy is created through an in-depth analysis of the client’s needs and risk dialogue.
Zähringer Privatbank is also taking into account the client’s precautionary, family and tax law aspects.
Zähringer’s asset management is individual and transparent. The client deserves a tailor-made solution that builds on the analysis of the client’s needs. The fee structure is very transparent and is applied in a user-friendly flat fee. The customer’s portfolio is constantly monitored and if necessary, adjustments are made depending on the development of the financial market. Zähringer is constantly reporting to the client.
Strategic advice uses the same methodology as asset management. First the needs of the client are analyzed and the risk level is determined, then the individual investment strategy is defined.
Zähringer provides a proposal for the implementation of the individual investment strategy and regularly proposes transactions which the Bank also implements in asset management. The client is however responsible for the execution of the proposed transactions.
The Board of Directors has the responsibility for the overall risk of the bank, including the risk framework, the risk assessment, and the internal controls. They are reassessing the risk regularly, especially credit risk, liquidity risk, and operational risk. The Board also approves the risk policy and has the responsibility for the supervision of the implementation. The Executive Board does the implementation. The ongoing monitoring and the risk management procedure are delegated to committees.
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Zähringer Privatbank announced that they put an upper limit to the salaries. CEO Martin Schenk draws an upper limit for the fixed salary of CHF 120’000.—. The announcement was a sensation to the banking community. Martin Schenk and his team of 18 colleagues, which consist of almost the entire Bernese Bank Notenstein team could bring a not underestimated amount of assets to Zähringer.
Zähringer Privatbank’s employees identify themselves with the company above average and live the owner-managed model which characterizes the Bank. All employees have the opportunity to participate as shareholders in the sustainable success of the Bank. The employment is therefore long-term which is important to Zähringer.
Zähringer Privatbank is ongoing analyzing the economy, social development and the financial markets. This careful analysis forms the basis of the investment policy. The asset management is based on carefully selected sources of information as well as the Bank’s independent opinion.
Zähringer Privatbank – Facts & Figures
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|Address||Schmiedenplatz 3, 3011 Berne|
|Phone||+41 31 307 50 00|
|Year of foundation||2014|
|No. of employees||27|
|Chairman||Enrico Antonio Casanovas|
|Eligible Regulatory Capital||32.422 m CHF|
|Tier 1 Ratio||–|
|Leverage Exposure||268.974 m CHF|
|Leverage Ratio||12.05 %|
|Liquidity Coverage Ratio||237 %|
|Risk Weighted Assets||–|
|Assets under Management||–|
|Assets under Management / Employees||–|
|Net Profit / Employees||–|
|Cost / Income Cost Ratio (CIR)||–|
|Return on Equity||–|
|Own structured products||No|
Source: Annual Report 2021
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