DOES IT WORK FOR THE CLIENT? DOES IT ENSURE THE INDEPENDENCE OF THE BANK? IS IT HONEST & SUSTAINABLE?

Transparent, honest and fair. That is how private banking should be. Some people think that things need to change. We agree. The formula is simple: Right instead of Wrong.

Our clients' interests should always be reflected in our own interests. Our organization has always aimed to maintain the Declaration of Principles on Private Banking.

  • TRANSPARENT - even regarding the “hidden” costs

    We disclose all benefits and incentives, such as upfront and ongoing commissions that we receive for investment funds and linked notes, in a detailed and transparent manner to ensure the variety of our advisory and administration. You will be informed which investment-related “hidden” costs are being incurred. The exact amount the bank receives for each securities portfolios is specified as a trailer commission.

    WRONG
    For most banks, the “hidden” trailer commissions are in the "fine print".

    RIGHT
    At Capital Bank we provide individual and full disclosure of all hidden commissions and fees upfront and in full detail.

  • HONESTY – advisory fees instead of kickbacks

    To avoid any conflicts of interest regarding our advisory and management, we offer full reimbursement of all trailer commission. Clients with advisory or management contracts will not only get full transparency of all hidden costs, but will also get them refunded on an annual basis. This comes with our guarantee of independence.

    WRONG
    At most banks, the advisor is a sales person that receives hidden trailer commissions.

    RIGHT
    All trailer commissions belong to the client, and are disclosed and refunded back automatically by Capital Bank.

  • FAIR - PAYMENT ONLY FOLLOWS SUCCESS

    Within the performance-based option, advisory or management fees only come due, if they are successful. The bank only receives a fee, if there is a net increase in wealth. This amounts to 10% of the performance after all fees. Should losses be incurred, we pledge to work free of charge until a profit is achieved.

    WRONG
    Bank continues to make money, even if the clients lose money.

    RIGHT
    The client and the bank are in the same boat. At Capital Bank, the client only pays for advise that leads to a profit.