PRIVATE BANKING. Trust and expertise the foundations for an exclusive partnership

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1 PRIVATE BANKING Trust and expertise the foundations for an exclusive partnership

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3 You just can t pull wealth out of a hat. It is therefore all the more important to have a trustworthy partner.

4 Private banking one step further. A very warm welcome to Bank Austria Private Banking. UniCredit Private Banking is one of the leading providers on the European private banking market. The investment volume in Bank Austria Private Banking amounts to around EUR 13 billion. You can always rely on the closeness of a leading European bank. A solid network of international experts, who closely cooperate with one another, ensures stability, competence, extensive know-how and first-class advice. We are represented at fifteen locations throughout Austria and serve wealthy private clients and foundations with an investment potential in excess of EUR 500,000. You can enjoy first-rate private banking thanks to flexible consulting times and personal customer service tailored to your needs also including modern technology if required. Your own personal partner for all investment matters. Your trust is very important to us since it forms an essential basis for every good partnership. In order to maintain and increase your trust in us, we rely on transparency in the organisation of our services, a broad spectrum of selected cooperation and fund partners, and an integrated range of services. In our capacity as a full-service bank, we offer our clients both investment advice and product solutions and services in the areas of finance, insurance and payment transactions. Specialist teams with very specific know-how and many years of experience are available for special areas. You can choose two consulting models for your investment decisions: the UNIVERS EXKLUSIV service model and asset management depending on whether you want to personally make your own investment decisions or delegate them to our investment experts. Thanks to our exclusive and permanent cooperation with selected fund partners, you profit from the quality and reliability of these investment companies and the transparency of our consulting approach. 4 Bank Austria Private Banking

5 Private Banking one step further. UNIVERS EXKLUSIV Transparency Vermögens- Management 5Invest Selected cooperation partners Large product range TRUST Integrated solutions Specialist teams Selected fund partners Extensive range of services Bank Austria Private Banking 5

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7 Experience private banking at its very best.

8 Needs-oriented advice. Customised solutions. No two people are alike. Everyone has individual ideas, wishes and goals which can change constantly over the course of time. That s precisely the reason why Bank Austria Private Banking pursues a clear philosophy: customised solutions for all your investment matters. The basis is an in-depth discussion. Active listening in regard to your personal life situation and your goals in life, as well as competent financial planning form the basis for our advisory activities. Ultimately, it is necessary to jointly find a solution which matches your possibilities and your special life situation. Individual asset situation now and in the future. It is essential to analyse your assets from different perspectives. Most financialtopics are diverse and often call for very specific knowledge and relevant experience. We take the trust which our clients place in us and our advisory services very seriously. If required, expert teams are therefore available for consultations in selected special areas. These teams have very specific know-how and many years of experience in the particular topic area. A three-way meeting. A discussion between your client advisor, the specialist and you yourself with your own subject-specific know ledge will lead to individual in-depth solutions. 8 Bank Austria Private Banking

9 Specialist teams: Asset maximisation and liquidity planning Capital investment Asset management, individual investments Transfer of assets Specialists for important investment matters and individual questions at the side of your client advisor. Analysis of pensions and retirement Financial solutions Services for foundations Property service Bank Austria Private Banking 9

10 Capital investment. Asset management and individual investments: you can rely on a team of professional investment specialists for questions relating to your securities investments. This team often also works in the background and provides a pool of knowledge and experience regarding capital markets, investments and investment strategies in Bank Austria Private Banking. Transfer of assets. It is never too early to make financial precautions. Timely and structured regulations for systematic transfer of your assets to the next generation enable you to purposefully protect them for the persons you have chosen. Include our experts in your considerations! Asset maximisation and liquidity planning. We can offer you an innovative advisory service which analyses your finances and assets thoroughly and objectively, compares them with your wishes and finally leads to a discussion regarding possible changes. Analysis of pensions and retirement. A look at the period of well-earned retirement may be fairly complex from financial perspectives and calls for long-term planning. However, the challenge often lies in this long-term orientation. Our advisory service can help you create more transparency. 10 Bank Austria Private Banking

11 Financial solutions. The basis of every large property or project investment is the alternative examination of a meaningful combination of your own funds and borrowed money. Together with you and in cooperation with our specialists in property and project financing, we will be pleased to find a suitable solution for you. Services for foundations. The Foundation Competence Centre of Bank Austria Private Banking supplies first-class services and extensive support through a personal advisor. With the largest market share in the provision of support to private foundations, Bank Austria Private Banking possesses in-depth know-how regarding foundations and special knowledge in the areas of law, tax, asset investment and real estate. Property service. Based on our wide network, we will help you to look for property and buy or sell residential and investment properties. This also includes questions relating to the valuation of a property and general information on the advantages and disadvantages of investment properties such as retirement apartments or apartment buildings. Bank Austria Private Banking 11

12 Integrated range of services. From investment through to financing. Bank Austria Private Banking is not only a trustworthy partner in the area of asset investment. We can look at a complete range of services together with you: From a bank account and the premium credit card Visa Infinite through to individual financial solutions. From asset management and individual investment advice within the framework of UNIVERS EXKLUSIV through to life insurance. As part of brokerage, investment instruments which are not subject to a margin and are traded on the stock exchange can be ordered professionally. Be informed. As a client of Bank Austria Private Banking, you benefit from our active information management in the form of extensive special publications and up-to-date newsletters. Outlook and Strategy : This monthly Newsletter contains a detailed assessment of capital markets and a description of our investment strategy. Early Indicators: We supply brief daily information about markets. Private Banking Newsletter: This monthly Newsletter informs you about current private banking topics and contains interesting comments on the economy and markets. Private Banking publications: Regular communications on current topics relating to your assets. 12 Bank Austria Private Banking

13 Investment advice. Experience and know-how for your assets. Preservation of assets and management of risks through broad diversification: we have used this strategy to successfully help our clients over the last few years. We can also fully support them in the current market environment. We aim for the best possible combination of security and yield. We match them very closely to your individual investment situation. Your willingness to take risks is another key factor. A risk profile test was developed in order to determine this willingness in detail over and beyond legal requirements. The investment advice provided by Bank Austria Private Banking is based on two foundations depending on your individual type of investment: You do not want to attend to investmentdecisions in detail and therefore rely on the investment experts from VermögensManagement 5Invest. Based on your expertise, you like to personally take decisions regarding financial matters, but also appreciate professional advice and therefore put your trust in the new UNIVERS EXKLUSIV service model. Or alternatively you can gain something from both aspects and use both asset investment models. Bank Austria Private Banking 13

14 Successfully investment of my assets but how? Partnership. I personally take decisions regarding individual investments, but want detailed advice and useful information. Delegation. I choose a risk class and leave the specific investment strategy to the expert team at Bank Austria Private Banking. UNIVERS EXKLUSIV and/or VermögensManagement 5Invest Our investment strategy. Five model portfolios form the basis for our investment advice. They are based on our market opinion and the derived investment strategies. Every one of these model portfolios represents an investment approach from conservative through to progressive and is therefore geared in five gradations to risk-conscious investors through to risk-friendly investors. Depending on your individual willingness to take risks, our investment recommendations therefore vary to the level of mixing of more risk investment classes such as shares or alternative investments. VermögensManagement 5Invest is an investment approach tailored to your personal risk tolerance. Alternatively, you can take your own investment decisions with our UNIVERS EXCLUSIV service model. Before taking any investment decisions or signing investment product agreements, please take time to read the paragraph entitled What you should know as an investor/ important risk information in the relevant detailed product profile or factsheet, as well as the full risk information contained in the statutory prospectus, and the key investor information documents (KIDs). 14 Bank Austria Private Banking

15 Portfolio quality analysis. We use UNIVERS EXKLUSIV to regularly examine your investment structure in the form of a portfolio quality analysis. This is based on our current market opinion and the underlying five model portfolios of different risk classes. The portfolio quality analysis provides you with a detailed description of your securities portfolio and other deposits. This advisory service is completed by a specific investment proposal based on our model portfolios. This investment proposal takes account of your personal investment objectives. Is your risk-return profile evenly balanced? Could you increase your returns while maintaining the same level of risk, or reduce your risk while earning the same returns? Our risk-return-analysis advisory service gives you the answer for your own portfolio. Because when interest rates are low, maximising the returns from your investment strategy in line with your personal risk appetite is a leading priority. Bank Austria Private Banking 15

16 Selected fund partners. Thanks to our exclusive and permanent cooperation with selected fund partners, you profit from the quality and reliability of these investment companies with very good references, many years of experience and a high market share in investment management. A range of specially evaluated funds exclusively for you. Choose from a fund universe including funds from our 11 specially selected partners, all assessed by our team of experts. This allows you to take broad-based investment decisions that capitalise on our investment specialists expertise. Special expertise. The fund partners of Bank Austria Private Banking are characterised by an extensive range of fund products and special expertise in individual investment classes. Concentration on selected fund partners enables us to ideally match our range of funds to our current market assessment, as well as to precise quality management and exact quality controls. The investment funds which we recommend are naturally monitored continuously in regard to the original expectations. 16 Bank Austria Private Banking

17 Die elf ausgewählten Fondspartner des Bank Austria Private Banking. Bank Austria Private Banking 17

18 International expertise. A serious market opinion and the resulting investment strategy are essential components for investing assets. However, market analysis is becoming increasingly more demanding due to the growing complexity of financial markets and the economic correlations. The challenge here is to filter out a sound decision-making basis from the large volume of information. This calls for both special knowledge and time. Strategic market research. In Bank Austria Private Banking you benefit from the knowhow and special knowledge of a team of capital market experts. They continuously monitor and analyse developments on national and international capital markets. The result of this research is our informed market opinion. 18 Bank Austria Private Banking

19 General information. This Marketing Brochure was produced solely for information purposes and does not contain any investment advice or investment decisions. In particular, it does not represent an offer or a request to make an investment. It is provided only as initial information and cannot replace advice tailored to the individual circumstances and knowledge of the investor. Every capital investment harbours a risk. Values and yields of an investment may suddenly rise or fall to a considerable extent and cannot be guaranteed. Currency fluctuations can also affect the development of the investment. The investor may not get back the total invested sum, for example if the capital investment only has a short term. The longer the investment horizon, the less short-term fluctuations become significant. Your advisor will be pleased to assist you in finding the investment strategy that matches your needs. Our brochure entitled Summary of guidelines for managing conflicts of interest and for disclosure of benefits provides information on Bank Austria s principles for dealing with these issues. Your Private Banking relationship manager will be happy to provide further information on these matters. This document may not be passed on to American nationals. Any reproduction even in parts is only permitted with the prior express permission of UniCredit Bank Austria AG. Please contact your advisor if you have any questions. Bank Austria Private Banking 19

20 Contact. Your Private Banking advisor is available at any time for a personal consultation Telefon +43 (0) Fax +43 (0) privatebanking@unicreditgroup.at Internet privatebanking.bankaustria.at This marketing information was prepared by UniCredit Bank Austria AG, Schottengasse 6 8, A-1010 Vienna (relocating to Rothschildplatz 1, A-1020 Vienna, in the first half of 2018). Misprints and changes excepted. Positions as Dezember 2017 XXXXXXXX XXM/01.18/ST/XX