{"id":2437,"date":"2023-07-15T13:52:00","date_gmt":"2023-07-15T11:52:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=2437"},"modified":"2025-12-24T09:32:18","modified_gmt":"2025-12-24T08:32:18","slug":"ausstieg-wegen-risikoverringerung","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/exit-due-to-de-risking\/","title":{"rendered":"Das wachsende Ph\u00e4nomen der Kundenexit-Strategien im klassischen Private Banking \u2013 getrieben durch De-Risking"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>\"Wir bedauern, Ihnen mitteilen zu m\u00fcssen, dass unsere Bank beschlossen hat, die Gesch\u00e4ftsbeziehung mit Ihnen zu beenden. Die Beendigung erfolgt gem\u00e4\u00df dem entsprechenden Abschnitt unserer Allgemeinen Gesch\u00e4ftsbedingungen, die wir zu Ihrer Kenntnisnahme beif\u00fcgen.\"<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn dieser Prozess beginnt, <a href=\"https:\/\/vapa.ch\/de\/herausforderungen-im-private-banking-meistern\/\">die Kunden sind gestrandet<\/a>. Sie verlieren schlagartig die hohe Kunst des Private Banking und landen nach 45 Tagen auf dem Exit Desk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser unerwartete Schritt kann langj\u00e4hrige Kunden ersch\u00fcttern, die \u00fcber Jahre hinweg stillschweigend Private-Banking-Geb\u00fchren akzeptiert oder sogar Freunde geworben haben. F\u00fcr den Kundenbetreuer ist es ein schwerer Schlag, denn er verliert einen Kunden oder muss mit ansehen, wie sein gesamtes Kundendomizil aufgegeben wird.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oft h\u00e4ngt der Ausstieg aufgrund solcher Entscheidungen von folgenden Faktoren ab <a href=\"https:\/\/vapa.ch\/de\/vom-sonnenschutzmittel-bis-zur-tabellenkalkulation\/\">Tabellenkalkulation <\/a>Analyse. Sie ignorieren die akribisch aufgebaute Marketingsprache \u00fcber ma\u00dfgeschneiderten Service und h\u00f6chste Wertsch\u00e4tzung f\u00fcr gesch\u00e4tzte Kunden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-navigating-challenges-in-modern-wealth-management\">Herausforderungen im modernen Wealth Management meistern<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oftmals liegt die Schuld nicht beim Kunden. Die Umst\u00e4nde k\u00f6nnten ihn dazu zwingen, zur falschen Zeit am falschen Ort zu leben, und es k\u00f6nnte ihm schwer fallen, die l\u00fcckenlose Offenlegung der Verm\u00f6gensherkunft zu leisten, die die aktuellen Standards verlangen. W\u00e4hrend der COVID-19-Pandemie bat mich eine Bank unerwartet um f\u00fcnf Jahre Gehaltsabrechnungen, um die Laufzeit der Hypothek f\u00fcr eine Wohnung zu verl\u00e4ngern, die ich 2004 gekauft hatte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Angesichts dieser Methoden ist es nicht \u00fcberraschend, dass das Modell der unabh\u00e4ngigen Verm\u00f6gensverwaltung an Attraktivit\u00e4t gewinnt. Dies gilt insbesondere dann, wenn ein nicht sanktionsbedingtes De-Risking ansteht. F\u00fcr einen Verm\u00f6gensverwalter bedeutet diese Situation oft, dass er einen Wechsel zu einem anderen Anbieter orchestrieren muss. <a href=\"https:\/\/vapa.ch\/de\/\">depotf\u00fchrende Bank<\/a> intern, anstatt den Arbeitgeber komplett zu wechseln.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bedauerlicherweise wird in der Branche oft \u00fcbersehen, dass die Praxis der abrupten <a href=\"https:\/\/vapa.ch\/de\/strategische-exits-fur-unabhangige-schweizer-vermogensverwalter\/\">Ausg\u00e4nge <\/a>aufgrund von <a href=\"https:\/\/vapa.ch\/de\/jenseits-der-geldwasche-schlagzeilen\/\">Risikominderung<\/a> und <a href=\"https:\/\/vapa.ch\/de\/jenseits-der-geldwasche-schlagzeilen\/\">betriebsbedingte K\u00fcndigungen<\/a>. Das \u00fcber Generationen hinweg aufgebaute Vertrauen, vor allem in die traditionellen Private-Banking-Standorte, erodiert allm\u00e4hlich. Diese Verschiebung beg\u00fcnstigt neuere Akteure und Standorte wie <a href=\"https:\/\/vapa.ch\/de\/die-zukunftigen-private-banking-stadte\/\">Hongkong, Singapur und Dubai<\/a>. Ist dieses Vertrauen erst einmal besch\u00e4digt, ist es schwierig, es wiederherzustellen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_termination-clients-privatebanking-activity-7089476867648299009-qGlK\/?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a> (SEO angepasst)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend pgfw-icon-display pgfw-icon-display--default\" style=\"--pgfw-icon-justify:;\"><a href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/2437?action=genpdf&#038;id=2437\" class=\"pgfw-single-pdf-download-button pgfw-single-pdf-download-button--default pgfw-single-pdf-download-button--image-only pgfw-single-pdf-download-button--icon-only\" title=\"PDF generieren\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"PDF generieren\"><span class=\"pgfw-single-pdf-download-button__media\" aria-hidden=\"true\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" alt=\"\" decoding=\"async\"><\/span><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>\u201cWir bedauern, Ihnen mitteilen zu m\u00fcssen, dass unsere Bank beschlossen hat, die Gesch\u00e4ftsbeziehung mit Ihnen zu beenden. Die Beendigung erfolgt gem\u00e4\u00df dem entsprechenden Abschnitt unserer Allgemeinen Gesch\u00e4ftsbedingungen, die wir zu Ihrer Kenntnisnahme beif\u00fcgen.\u201d Wenn dieser Prozess beginnt, finden sich die Kunden auf verlorenem Posten wieder. Sie verlieren abrupt die hohe Kunst des Private Banking und landen nach 45 Tagen auf dem Exit Desk. Dieser unerwartete Schritt kann langj\u00e4hrige Kunden ersch\u00fcttern, die \u00fcber Jahre hinweg stillschweigend Private-Banking-Geb\u00fchren akzeptiert oder sogar Freunde geworben haben. F\u00fcr den Kundenbetreuer ist dies ein schwerer Schlag, denn er verliert einen Kunden oder muss mit ansehen, wie sein gesamtes Kundendomizil aufgegeben wird. Oft beruhen solche Entscheidungen auf einer Tabellenkalkulation. Sie lassen die akribisch aufgebaute Marketingsprache \u00fcber ma\u00dfgeschneiderten Service und h\u00f6chste Wertsch\u00e4tzung f\u00fcr gesch\u00e4tzte Kunden au\u00dfer Acht. Herausforderungen in der modernen Verm\u00f6gensverwaltung meistern Oft liegt die Schuld nicht beim Kunden. Die Umst\u00e4nde k\u00f6nnten ihn dazu zwingen, zur falschen Zeit am falschen Ort zu leben, und es k\u00f6nnte ihm schwer fallen, die nahtlose Offenlegung der Verm\u00f6gensherkunft zu leisten, die die aktuellen Standards verlangen. W\u00e4hrend der COVID-19-Pandemie bat mich eine Bank unerwartet um f\u00fcnf Jahre Gehaltsabrechnungen, um die Laufzeit der Hypothek f\u00fcr eine Wohnung zu verl\u00e4ngern, die ich in ...<\/p>","protected":false},"author":1,"featured_media":2438,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[93],"tags":[276,174,178,99,64,108,42],"class_list":["post-2437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-2023-blogs-wealth-management","tag-debanking","tag-exit","tag-independent-wealth-management","tag-private-banking","tag-risk-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Exit Due to De-risking | independent wealth management<\/title>\n<meta name=\"description\" content=\"The Rising Phenomenon of Exit Due to De-risking in Traditional Banking. It&#039;s regrettable to see the practice of abrupt business terminations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/2437\/\" \/>\n<meta property=\"og:locale\" content=\"de_CH\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Rising Phenomenon of Exit Due to De-risking in Traditional Private Banking\" \/>\n<meta property=\"og:description\" content=\"The Rising Phenomenon of Exit Due to De-risking in Traditional Banking. It&#039;s regrettable to see the practice of abrupt business terminations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vapa.ch\/de\/ausstieg-wegen-risikoverringerung\/\" \/>\n<meta property=\"og:site_name\" content=\"independent wealth management\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swisswealthmanagement\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-15T11:52:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-24T08:32:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vapa.ch\/wp-content\/uploads\/2023\/12\/banking-sector-exit-trend.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"386\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"superuser\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wealth_mgr_blog\" \/>\n<meta name=\"twitter:site\" content=\"@wealth_mgr_blog\" \/>\n<meta name=\"twitter:label1\" content=\"Geschrieben von\" \/>\n\t<meta name=\"twitter:data1\" content=\"superuser\" \/>\n\t<meta name=\"twitter:label2\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data2\" content=\"2\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/\"},\"author\":{\"name\":\"superuser\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/#\\\/schema\\\/person\\\/24ee304c0f6c244bff2b39f1b9ae1398\"},\"headline\":\"The Rising Phenomenon of Exit Due to De-risking in Traditional Private Banking\",\"datePublished\":\"2023-07-15T11:52:00+00:00\",\"dateModified\":\"2025-12-24T08:32:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/\"},\"wordCount\":313,\"publisher\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/banking-sector-exit-trend.jpg\",\"keywords\":[\"2023\",\"Debanking\",\"Exit\",\"Independent Wealth Management\",\"Private Banking\",\"Risk Management\",\"Wealth Management\"],\"articleSection\":[\"Regulations\"],\"inLanguage\":\"de-CH\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/de\\\/wp-json\\\/wp\\\/v2\\\/posts\\\/2437\\\/\",\"url\":\"https:\\\/\\\/vapa.ch\\\/de\\\/wp-json\\\/wp\\\/v2\\\/posts\\\/2437\\\/\",\"name\":\"independent wealth management\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/banking-sector-exit-trend.jpg\",\"datePublished\":\"2023-07-15T11:52:00+00:00\",\"dateModified\":\"2025-12-24T08:32:18+00:00\",\"description\":\"The Rising Phenomenon of Exit Due to De-risking in Traditional Banking. It's regrettable to see the practice of abrupt business terminations.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#breadcrumb\"},\"inLanguage\":\"de-CH\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/vapa.ch\\\/de\\\/wp-json\\\/wp\\\/v2\\\/posts\\\/2437\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de-CH\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/exit-due-to-de-risking\\\/#primaryimage\",\"url\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/banking-sector-exit-trend.jpg\",\"contentUrl\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/banking-sector-exit-trend.jpg\",\"width\":800,\"height\":386,\"caption\":\"The 'Exit' Wave in Banking: A New Strategic Frontier. \\\"We regret to inform you that our bank has decided to terminate its business relationship with you. The termination is made in accordance with the relevant section of our General Terms and Conditions, which we attach for your reference.\\\" When this process begins, clients find themselves stranded. They abruptly lose the fine art of private banking and end up at the exit desk after 45 days. This unexpected move can shake long-standing clients who have silently accepted private banking fees or even referred friends over the years. It's a significant blow to their relationship manager, who loses a client or sees their entire client domicile market scrapped. Often, decisions like this rely on spreadsheet analysis. They disregard the meticulously constructed marketing language about tailored service and utmost appreciation for esteemed clients. 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Es ist bedauerlich, die Praxis der abrupten Gesch\u00e4ftsbeendigung zu beobachten.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/2437\/","og_locale":"de_CH","og_type":"article","og_title":"The Rising Phenomenon of Exit Due to De-risking in Traditional Private Banking","og_description":"The Rising Phenomenon of Exit Due to De-risking in Traditional Banking. 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Es ist bedauerlich, die Praxis der abrupten Gesch\u00e4ftsbeendigung zu beobachten.","breadcrumb":{"@id":"https:\/\/vapa.ch\/exit-due-to-de-risking\/#breadcrumb"},"inLanguage":"de-CH","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/2437\/"]}]},{"@type":"ImageObject","inLanguage":"de-CH","@id":"https:\/\/vapa.ch\/exit-due-to-de-risking\/#primaryimage","url":"https:\/\/vapa.ch\/wp-content\/uploads\/2023\/12\/banking-sector-exit-trend.jpg","contentUrl":"https:\/\/vapa.ch\/wp-content\/uploads\/2023\/12\/banking-sector-exit-trend.jpg","width":800,"height":386,"caption":"The 'Exit' Wave in Banking: A New Strategic Frontier. \"We regret to inform you that our bank has decided to terminate its business relationship with you. The termination is made in accordance with the relevant section of our General Terms and Conditions, which we attach for your reference.\" When this process begins, clients find themselves stranded. They abruptly lose the fine art of private banking and end up at the exit desk after 45 days. This unexpected move can shake long-standing clients who have silently accepted private banking fees or even referred friends over the years. It's a significant blow to their relationship manager, who loses a client or sees their entire client domicile market scrapped. Often, decisions like this rely on spreadsheet analysis. They disregard the meticulously constructed marketing language about tailored service and utmost appreciation for esteemed clients. 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