KBL EUROPEAN PRIVATE BANKERS FROM A LUXEMBOURG BANK… TO A FOCUSED PAN-EUROPEAN PRIVATE BANKER
KEY PILLARS OF KBL EPB’S PRIVATE BANKING STRATEGY
�� Focus on private banking: all subsidiaries focus exclusively
on private banking
�� Local private banks with strong brands:
�� decentralized and entrepreneurial model with autonomy
in determining commercial strategy and asset
management;
�� signature, history and reputation of each brand are key
elements of durability and success;
�� multicultural network, with respect for local culture;
�� employer of choice: KBL epb model attractive to private
bankers.
�� Client-centric approach: focus on discretionary management
and on paid advisory; focus on services; true open
architecture.
�� Operational and IT Hub centralized in Luxembourg in order
to increase efficiency and to reduce risks. The platform is
in charge of transaction execution, custody, management
of liquidity. KBL epb as parent company also has strong
central controlling units with a group-wide scope (Audit,
compliance, risk management).
ADDED VALUE
Our greatest added value is our staff. It is our tradition
to focus on the needs of the client and we have been
forging close and long lasting relationships for more
than 200 years. If you are looking for a bank offering
a full range of products and services, outstanding
order execution and excellence in delivering
innovative solutions, then don’t hesitate
to contact us.
KBL European Private Bankers S.A. was engaged primarily in
corporate banking and financial markets as an independent
company, listed on the Luxembourg stock exchange until 2005.
From the 1980s onwards KBL epb strategy became focused on private
banking and a pan-European onshore presence was developed with a
focus on strong local brands in private banking.
Organic growth and acquisitions have made us the only network
in Europe whose core business is private banking, with a tradition
dating back 200 years.
Next to private banking, KBL epb has increased its investor services
in leveraging the reputation of the Luxembourg financial centre as
a platform for the fund and financial industry and in developing
synergies with private banking.
A COMMITTED PARTNER
In Europe, KBL epb’s private bankers are trusted investors and
trusted advisors to our clients, putting the client at the centre of
our attention.
KBL EUROPEAN PRIVATE BANKERS WEALTH MANAGERS
PRIVATE CUSTOMERS
Supported by a network of “pure-play” private banks in Germany,
Belgium, France, Luxembourg, Monaco, the Netherlands, the
United Kingdom, Spain, Poland and Switzerland, KBL European Private
Bankers offers solutions adapted to the needs of a large client base
across Europe wishing to entrust the management of its wealth to a
well-known banker:
�� specialised in wealth management;
�� capable of providing tailor-made solutions;
�� using open architecture which allows the integration of
powerful tools from other financial players;
�� close to its clients and their culture;
�� nurturing a relationship where integrity, discretion and
user-friendliness are favoured.
INVESTMENT FUNDS
From the Grand Duchy of Luxembourg, Europe’s No 1 and the world’s
No 2 centre for the domiciliation of investment funds, KBL epb, as a
complement to its core business of private banking, has also developed
top-flight expertise in the creation, domiciliation and administration
of undertakings for collective investment. Customers are served by a
dedicated entity, Global Investor Services (GIS).
FINANCIAL INSTITUTIONS
As a well established and recognised financial institution and a
pioneer in global financial markets in Luxembourg, our experts
provide institutional customers with access to all major markets
and to our wide range of products and services, which is constantly
being adapted to their needs.
From a basket of securities to a structured product or fund, KBL
European Private Bankers makes it simple for institutional investors
to trade online and in real time.
Our sales, execution and trading desks help investors achieve higher
returns, develop new ideas or simply mitigate risk by providing them
with investment ideas.
KBL epb offers instant and direct access to all major equity, bond,
derivative, fund, bullion and money markets.
ORGANISED AROUND AN ORIGINAL MODEL
The originality and attractiveness of KBL epb lies in its organisation
and management model. On the one hand the entrepreneurial spirit
of local managers is favoured and each is allowed a great degree of
latitude in commercial development.
On the other hand each entity can find solid support in the group,
thanks both to skill-sharing and to a range of services supplied by
KBL epb in Luxembourg via the Hub Service Centre.
Freed from a series of operational tasks, each entity can concentrate
fully on its business and its objective: to provide a higher quality
service to its clients within the framework of a mutually beneficial
relationship and to provide privileged access to a wider range of
products and services.
This model promotes proximity to our clients as a core element of
the service provided to private, institutional or professional clients
respecting their culture and identities.
ONGOING SELECTIVE EXPANSION
Firmly rooted in Western Europe, KBL epb intends to continue its
expansion in the markets where we are already present in Europe
and along new paths in the Middle East, Asia and South America.
KBL EPB KEY CONSOLIDATED FIGURES AS AT 30 JUNE 2012
ASSETS UNDER MANAGEMENT: EUR 44.468 BILLION
Core Tier One ratio - Basel II: 16.5%
Tier One ratio – Basel II: 16.5%
Solvency ratio – Basel II: 21.3%
Loan-to-Deposit ratio: 21.1%
As a Wealth Manager, KBL epb has a tailor-made approach to its clients:
KBL EUROPEAN PRIVATE BANKERS PRIVATE CUSTOMERS
Our private bankers will not try to impose a particular strategy or
product on you in the global approach to your wealth. Whether it’s
managing your assets, structuring or passing on your wealth or
even optimising your tax situation, you will have the benefits of an
open and independent service providing solutions – external ones if
necessary – which will be thought out and structured around you.
To become your trusted advisor, that is our commitment:
�� always listening carefully
�� a personalised long-term relationship
�� clear and simple language
�� proactive management of the client’s assets and wealth too.
THIS IS WHY YOU WILL FIND THAT OUR VARIOUS PRIVATE
BANKERS ARE EXPERIENCED IN:
PORTFOLIO MANAGEMENT
The portfolio management services offered by our group are value-
added services and give you tailor-made solutions and investment
opportunities which will optimise the management and the risk of your
portfolio. The number of formulas and strategies available mean that
they adapt perfectly to your particular objectives by integrating the
factors that define your investor profile in an optimal way.
INVESTMENT ADVICE
Your account officer, an experienced private banker surrounded by many
other specialists – portfolio managers, analysts, legal and tax advisers –
will guide you through the vast range of products available on the market.
Equities, fixed-rate instruments, derivatives or structured products,
group investment funds and those of other fund promoters selected
by our team of specialists, are offered to you on an objective basis
with the aim of continually optimising the risk/return trade-off for your
investments in line with your wishes.
FINANCIAL & ESTATE PLANNING
Each member of the group also offers you the possibility to receive a
detailed analysis to assess your overall wealth and thus preserve it,
grow it and pass it on under the best conditions.
This commitment necessarily means a thorough wealth audit of your
situation and your needs.
This can lead, depending on the country and your situation, to advice
on tax and inheritance matters and the offer of more specific products
and services.
The following subjects may also be addressed:
�� the financial structure of your assets
�� inheritance planning
�� certain family constraints
�� the international aspect of your wealth
�� the possible transfer of your company
�� the handling and managing of intellectual rights (industrial, literary and artistic)
We stand out by the high quality of service we provide for our clients and for the long-term nature of our business relationships. We are not content just to manage our clients’ assets. One of the vital roles of the private banker
consists in standing back from current events and seeing his client’s portfolio in both its totality and its duration.
There is no long-term relationship without shared success, so welcome to
a private banker where you really matter.
THOROUGH WEALTH AUDIT
consolidation, current structure, assets to be invested, transfer
TAXincome, investment,
gift/inheritance
EXPECTATIONS
services,products
PROFESSIONNAL SITUATION
A global and personalised
approach to your needs
FAMILY SITUATION
PROJECTS
personal assets,financial objectives
RISK PROFILE
KBL EUROPEAN PRIVATE BANKERS INSTITUTIONAL CUSTOMERS
INVESTMENT FUNDS AND OTHER INSTITUTIONAL CLIENTS
KBL epb has long standing experience in providing a broad range
of services to investment funds and other institutional clients,
based on our comprehensive know-how and well-established presence
in Luxembourg.
We cover all aspects of establishing and running investment vehicles:
�� creation and follow-up (legal, regulatory) during the life of the structure
�� multilingual and highly experienced professional assistance
�� tailored and accurate technical infrastructure to support the day-to-day operations and subsequent reporting
�� market risk and compliance monitoring solutions
�� custody (safekeeping of assets, settlement, compliance,...)
�� global Markets sales
�� principal paying agent and domiciliary agent service
�� administrative (accounting, NAV calculation, reports), Registrar and Transfer agent (*)
(*) KBL epb sub-contracts those functions to European Fund Administration. EFA is a highly specialised joint-venture company created more than 10 years ago. KBL epb is one of the three main shareholders. EFA currently administers over 2 500 sub-funds for over 230 fund management companies, representing net assets exceeding EUR 84 billion.
FINANCIAL INSTITUTIONS
As a well established and recognised financial institution and a
pioneer in global financial markets in Luxembourg, our experts
provide access to:
�� fast and secure execution and clearing services through state-of-
the-art software and efficient multilingual back office capabilities.
�� structured product solutions using a tailor-made approach, based on a wide range of underlying assets.
�� instant and direct access to all major equity markets.
�� fixed income: KBL epb works with a major electronic trading platform on both primary and secondary Eurobond markets. It is a liquidity provider through OTC and on official stock exchanges.
�� any third party fund for almost every order: KBL epb has developed a full service platform throughout the fund universe.
�� all kinds of money-market related instruments in all major currencies.
�� competitive Repo and Securities lending services and sizeable volumes in a large variety of securities.
�� bullion: we have a long track record in purchasing, valuing, storing and selling precious metals.
KBL epb also provides related services such as:
CUSTODIAN BANK AND CENTRAL ADMINISTRATION
KBL epb, with a large sub-custodian network, offers custodian bank
services tailored to the needs of a diversified client base such as
banks, insurance companies, pension funds and external managers.
Multilingual account officers set up client accounts, implement
operational flows and handle day-to-day troubleshooting.
ASSET MANAGEMENT
The KBL epb Institutional Asset Management team is your privileged
partner for explaining in detail how the full range of asset management
products and services provided by KBL epb can help you reach your
return targets while taking into consideration the risks.
Fund consulting & creation
Custodian bank & Central administration Fund compliance
