HR BANK asks about our client’s goals and help evaluate them. We analyze each client’s financial profile, lifestyle objectives and attitude toward risk,
and then develop a suitable wealth management plan.

At HR BANK we carefully select our wealth advisors and investment professionals and vet them through a stringent recruiting process. Once they join us, they begin a rigorous training curriculum that continues throughout their careers. Even experienced professionals receive unusually extensive training to help them meet clients’ high expectations. We aim to keep the number of client relationships per advisor low so that our teams can provide the focus and attention that our clients expect. Our efforts are always guided by HR BANK’s first Business Principle:
• Our clients’ interests always come first.
• Our experience shows that if we serve our clients well, our own success will follow.
• Day in and day out, HR BANK Private Wealth Management professionals remain committed to client interests, investments and service.

HR BANK ` s active advisory service supports the clients by generating investment ideas and designing bespoke products – leaving them free to make their own choices. The active advisory team brings together specialists dedicated to all asset classes and products, offering clients a single gateway to ideas and markets.
• Members of HR BANK `s team are also available to answer your questions about specific investments and portfolios and provide analysis of the
investment environment.
• HR BANK `s investment strategy, as developed by the Investment Committee, is covered in the monthly Strategy Brief. We also provide single single-page recommendations on specific products within all asset classes.

HR BANK provides a range of custody services that give you control over your investments and reduce administration costs, including investors with multiple managers.
• A global custodian simplifies the safeguarding of your assets, which would otherwise be held by separate custodians in the countries where you invest.
• When HR BANK appoints sub sub-custodians to hold assets in particular countries, we choose local banks only after rigorous scrutiny and careful selection and monitor these banks on a daily basis.
• HR BANK will organize securities lending, which gives investors an opportunity to earn revenues from collateralized loans of their assets to third parties.
• While HR BANK ` scustody services leave you free to choose your own portfolio manager, you also have a single platform for executing investment
decisions, trading, reporting and analysis. This arrangement usually produces economies of scale that can reduce costs but also makes it easier to monitor your portfolios.