with a history
Origins and shareholders
Originally an asset management company, founded in 1982 by the descendant of a major French family, the company exercised its financial expertise in a historic building on the shores of the lake. In 1989 it upgraded its status to a full Swiss bank. The Belgian CERA Bank group took over the bank in 1997 before merging with Kredietbank a year later, at which point it was renamed 'KBC Bank (Suisse)'. Then in 1999 the bank was taken over by its management in partnership with a group of institutional and private investors, and became ‘Banque Thaler’.
Consolidation and expansion
In 2001 and 2003, the bank managers and private investors increased their participation to anchor the bank more firmly in Switzerland. Since that point, the bank has been completely independent.
We have an atypical shareholding structure: our management and senior private bankers are also shareholders of Banque Thaler. Directly involved in the future of the bank, they make every effort to control risks, act in a responsible manner and show lasting commitment. Client satisfaction is key to the long-term sustainability of our organization.
A clear and strong balance sheet
Protecting and securing your assets is our highest priority. This is why Banque Thaler maintains a strong balance sheet with equity that far surpasses the required capital ratios.
On 31 December 2017, Banque Thaler had equity of CHF 63.1 million, as compared to a required equity of to CHF 19.7 million. The ratio of regulatory equity (FINMA ratio) came to 33.73%, more than triple the 10.5% required by the Swiss regulator. Banque Thaler is committed to pursuing a conservative and prudent policy as well as maintaining a level of equity significantly higher than the legal requirements. This is the reason for our decision to keep nearly all of our balance sheet assets as cash and deposit a maximum of these assets with the Swiss National Bank, with institutions with an implicit state guarantee such as PostFinance (the financial institution of the Swiss Post) or with international organizations such as Clearstream and Swiss Euro Clearing.
Independent and on a human scale
Banque Thaler combines the seriousness of a respected bank with the flexibility of a family company.
We have deliberately chosen to remain a medium-sized bank. This gives us an indisputable competitive advantage in the form of much faster decision-making, greater flexibility in transaction processing and a relationship based on the accessibility and trust between our clients and the portfolio managers.
This dynamic approach allows Banque Thaler to implement a more responsive investment strategy compared to the often static approach within big financial institutions.