Private Banking & Investment Accounts

You are approaching the wrong private banks: Private banks have very different risk appetites, geographic focus and product capabilities: approaching the wrong ones wastes time and creates reputation risk in a small market.

Your onboarding pack is not prepared for private bank standards: Private bank KYC and source of wealth requirements are more demanding than corporate banking: arriving unprepared extends onboarding by months.

No multi-bank strategy for diversification: Concentrating private banking with a single institution creates dependency on one relationship, one credit provider and one custody arrangement.

The relationship is structured for the bank's convenience, not yours: A primary bank, a credit provider and a custodian should each be the best available option for their function, not the default choice of a single institution.

Investment account held in the wrong legal name: An account held directly in your name when the beneficial owner is a trust or foundation creates tax and succession complications that are expensive to unwind.

Investment mandate that does not reflect the trustee's fiduciary obligations: A private banking investment mandate that is not aligned with the governance documents of the underlying structure creates liability for the trustee.

Custody arrangements that do not match the holding structure: Custody held at a bank that does not understand the governance structure above the account creates operational complications at every significant decision point.

No documented authorisation framework for investment decisions: Investment accounts without a clear decision-making and authorisation framework create governance gaps that surface during audits and succession events.

Your asset base is not structured to support credit: The way assets are held, whether directly or through structures, determines how much of them can be pledged as collateral and on what terms.

You are borrowing more expensively than your portfolio justifies: Lombard and securities-backed lending rates vary significantly by institution, collateral quality and relationship: most clients are not getting the best available terms.

Credit facility terms that were not reviewed at negotiation: Margin call triggers, concentration limits and eligibility criteria in a lombard facility that were not reviewed at the outset create constraints that only surface under pressure.

Cross-jurisdiction security arrangements that do not hold together: Pledge documentation that works in one jurisdiction may not be enforceable in another without specific cross-border structuring.

HNWIs with multi-jurisdictional asset bases: Private clients with assets, investment portfolios and business interests spread across the Middle East, Europe and Asia.

Family offices establishing or consolidating private banking relationships: Family offices building a multi-bank private banking structure that provides the right combination of custody, credit and investment access.

Clients with complex holding structures: HNWIs whose wealth is held through trusts, foundations or family investment companies where the banking structure needs to align with the governance structure above it.

Clients restructuring their personal financial arrangements: Individuals who have outgrown their existing private banking relationships or whose circumstances have changed in a way that requires the banking structure to be redesigned.