Advanced Technology Consultants
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In-house Professional Training on Automotive & Aerospace Topics               New Product Evaluation on its Criticality Within the Technology Sector, Competitiveness, & Market Demand               Business Analysis for Investment Purposes               Comprehensive Evaluation of Corporate R&D  for Effectiveness, Innovative Performance/Attributes, and Future Success               Training on Management of R&D               Technology Roadmapping              Integrated  R&D and Corporate Strategic Planning               Comprehensive Evaluation of the Disruptiveness Potential of New Technologies               Benchmarking Corporate Board of Directors               Combustion &  Emission of Pollutants               Consulting on Advanced Technologies               Nanotechnology and Applications in Fuels & Propellants                Ignition Technologies for Engines               Gas Turbine Combustion and Emission of Pollutants               Liquid Atomization & Fuel Injection               Management of Innovation               Expert Witness in Legal Matters              Feasibility and  Economic Analysis               Propulsion Systems Design               Systems Engineering in Design & Project Management               Technical and Fundamental Analysis of Financial Market               Composite Materials, FRP, and Pressurized Composite Gaseous Fuel Storage             Car Accident Reconstruction               home | help | email

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Advanced Technology Consultants

Laguna Niguel, California
USA    92677
Tel: 949 467 9233
(001 prefix outside USA)

Lugano, Ticino
Switzerland 6900



Wealth Management  


Private Banking refers to the type of premium-level banking that a bank may offer to high net-worth individuals, a term that refers to wealthy individuals.


The term Private Banking is sometimes used interchangeably with another term, ‘wealth management’, although this usage often depends on geographical location.

Unlike the high volume, commoditized retail banking services, private banking would normally personalize services by tailoring them specifically for an individual client.

Most often, private banking implies a relationship between the client and a named ‘personal’ banker who will deal with all of the client’s banking needs. In some cases the relationship may also extend to the client’s extended family. A 24 hour service may be available. Other related services are offered such as creating trusts, offering tax and investment advice and providing portfolio management or other asset management facilities.

Private banking is normally offered by banks to qualified customers as a fee-based service.

The computer systems that cater to this type of banking will reflect the range and level of the services that the bank is offering. Typically they will allow a bank to offer great flexibility in establishing banking products and account options. The range of services and flexibility of reporting will also be generally superior to those offered by the purely core banking systems or the retail banking systems.

In the smaller private banks, all of the services may be offered through a single computer system whereas in the private banking operations of larger international banking groups specialist systems from the investment banking and asset management arms may be combined to offer an integrated service. There is a heavy reliance by private banks on automated portfolio management systems that will assist account managers or investment managers service and administer their customers’ investment portfolios.

Traditionally some of the western European countries were seen as being the centre of the private banking world, particularly Switzerland and Luxembourg. Some ‘off-shore’ centers such as Jersey, Guernsey and Bermuda became popular, particularly with UK residents, during years of high taxation in the 1960s-1970s. One of the most significant trends in the industry recently has been the move from ‘off-shore’ to ‘on-shore’ so today, private banking can be found in almost every country particularly Hong Kong, the Middle East and the developed nations.





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