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Luzerner Kantonalbank AG – leading, personal, solid
Founded in 1850, Luzerner Kantonalbank AG (LUKB) is the leading bank in Canton Lucerne. With some 1,000 staff, it maintains a network of 26 branches and is one of the largest cantonal banks in Switzerland. LUKB's core business areas include real estate and business financing, pension provision, and asset advisory and management. The Bank is known for its closeness to its clients and for its excellent performance, making it the first choice for clients, staff, shareholders, and the local region.
The LUKB Group includes the fund management company LUKB Expert Fondsleitung AG, the venture capital company LUKB Wachstumskapital AG, and the financial services and real estate company Gewerbe Finanz Luzern AG. LUKB has been a public limited company since 2001, and its shares are listed on SIX Swiss Exchange. It has a free float of 38.5% of share capital, while the remaining 61.5% of shares are held by Canton Lucerne. LUKB has a state guarantee, and a long-term AA credit rating from Standard & Poor's (short-term rating of A-1+).
In Switzerland's top ten
With total assets of about 29 billion Swiss Francs and a staff of about 1,000, LUKB numbers among Switzerland's ten largest banks. Including reserves, its equity capital is about 2.7 billion Swiss Francs. Furthermore, 26 branches (including one in Zurich) means that LUKB has by far the densest banking network in the region.
Canton Lucerne as principal shareholder
LUKB has been a joint stock company under Art. 260 of the Swiss Code of Obligations since 2001. Its principal shareholder is Canton Lucerne, which holds about 61 percent of the bank's shares. Around 39 percent of registered shares are owned by a broad cross-section of the public.
The state guarantee, for which the bank pays a fee, is rooted in the Swiss Cantonal Bank Act. It is also regulated by law that at least 51 percent of the shares of LUKB must remain in the ownership of Canton Lucerne.
Strong on the detail
The Private Banking arm of the LUKB allows demanding private clients access to financial planning and investment management services including, naturally, personal investment advice and individual service.
The bank has a team of investment experts concentrating exclusively on meeting the needs of its international clientele. Clients may also choose to have them visit their own home for a consultation. Considerable importance is attached to developing a close relationship with clients and to giving every client personal attention.
It goes without saying that the Private Banking Department of the LUKB is able to offer its clients a complete range of banking services.
- Portfolio Management (on a mandate basis)
- Investment Advice (on request even in the client's own home)
- Securities Trading
- Precious Metals
- Lombard loans, Documentary Credits and Collections and Guarantees
- Formation and administration of Establishments, Anstalts and Trusts
- Advice and support in the executorship of Wills and administration of estates
With the Private Banking the LUKB is offering a service unique in Switzerland, designed for the individual needs of a discriminating clientele. The range of services offered by the LUKB is as comprehensive as the demands of its customers. The bank also offers a consultancy and advisory service designed for individual investment objectives. Some examples from our comprehensive range of services: a clearly compiled Investment Policy publication appearing quarterly (only in German: Anlagepolitik) and our professional Portfolio Management.
The LUKB offers a choice of various investment structures according to client's requirements and which vary depending upon the reference currency and the investment objectives. Strategic guidelines exist for each investment structure as to the weight given to different markets.You are free to choose one of the following investment structures.
Optimising your portfolio and your time
With your order for portfolio management you transfer to us the responsibility for your securities investments. We fulfil this responsibility on the basis of clear guidelines determined together with you.
Together with your investment consultant you determine the entire personal investment goal. Along the way our portfolio management offers you...
...more than an endeavour in the ivory tower
You discuss your desires and goals with your investment consultant. The portfolio manager implements your instructions into reality. He cares about the active management of your assets and works closely together with your investment consultant by constantly informing him about the development of your portfolio.
...more than a black-and-white view
A pure bond account on one hand and a pure share portfolio on the other hand normally define the spectrum of possible investment strategies. In the first case the value development is relatively constant, but rather modest in the long-term average. In the second case an average higher nominal yield may be anticipated. However, over the course of time value setbacks are also to be reckoned with. That's why quite frequently a suitable combination of both variations of share and bond investments is selected. This solution is arranged entirely according to your willingness to risk.
...more than magic
We do not claim to know the future. On the contrary, our portfolio managers persistently pursue your longterm, defined investment goal. We react in the framework of the selected strategy quickly to fundamental or psychological changes in the financial markets. The continuity of the investment strategy based on mutual trust will, however, always be of the essence.
...more than a local show
We invest for you globally, but place the emphasis of the investment in your reference currency. This is the currency in which you think, appraise the currency risk, and in which you desire the presentation of your asset values and asset development.
...more than merely average
The portfolio management of the LUKB features an organisation and information infrastructure which complies with high international standards. We allow ourselves to be measured and compared by these standards. Quality and financial standing of the individual investments are therefore a matter of course.
...more than the pursuit for commissions
Transactions incur costs. Our portfolio managers strive to find a reasonable balance between active trading on the market and subsequently arising transaction costs. If a risk distribution through individual investments is cost-effectively inappropriate in certain investment categories, this is covered with appropriately suitable investment funds. This approach enables us to offer you the entire service package of portfolio management at attractive conditions.
...more than your relief from investment decision making
With the delegation of your investment decision making to a professional portfolio management you free yourself from all administrative tasks. On request we provide you every year with a securities directory for tax purposes. This directory contains the necessary tallies of asset and income points as well as the reclaimable withholding tax amount according to Swiss law.
...more than portfolio management
Your investment consultant speaks with you periodically about the attained results. As a partner he accompanies your planning in all financial sectors on a short-term or long-term basis precisely according to your requirements and under consideration of fiscal, provisional and inheritance matters.
A personal conversation imparts the advantages and the various possibilities of portfolio management.
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