{"id":3574,"date":"2022-11-05T20:23:00","date_gmt":"2022-11-05T19:23:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=3574"},"modified":"2026-11-02T19:06:39","modified_gmt":"2026-11-02T18:06:39","slug":"balance-sheets-in-wealth-management-and-banking","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/bilanzen-in-der-vermogensverwaltung-und-im-bankwesen\/","title":{"rendered":"Balancing the Books: Die Rolle der Bilanzen in der Verm\u00f6gensverwaltung und im Bankwesen verstehen \ud83d\udcca\ud83c\udfe6"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Verm\u00f6gensverwalter werden h\u00e4ufig zu ihren Bilanzen befragt. Dieser Wirtschaftsfaktor ist jedoch in erster Linie f\u00fcr Banken und nicht f\u00fcr Verm\u00f6gensverwaltungsgesellschaften von Bedeutung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die Bank <a href=\"https:\/\/vapa.ch\/de\/bilanzen-in-der-vermogensverwaltung-und-im-bankwesen\/\">Bilanz<\/a> ist ein entscheidender Indikator f\u00fcr ihre finanzielle Stabilit\u00e4t, und die Kunden vertrauen ihr Privatverm\u00f6gen nat\u00fcrlich lieber einer Bank an, die \u00fcber solide <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vermogensverwalter\/geschaftsplan-eines-unabhangigen-schweizer-vermogensverwalters\/\">Finanzen<\/a>. Im Gegensatz dazu halten Verm\u00f6gensverwalter das Geld ihrer Kunden nicht auf ihren Bilanzseiten. Ihre Rolle besteht darin, Kunden bei der Erstellung der Kontoregistrierungsunterlagen und der Due Diligence f\u00fcr eine sorgf\u00e4ltig ausgew\u00e4hlte Depotbank zu unterst\u00fctzen. Diese Standardpraxis f\u00fchrt zu einer vertraglichen Vereinbarung zwischen dem Kunden und der Bank, in der dem Verm\u00f6gensverwalter eine begrenzte Vollmacht zur Verwaltung, aber nicht zum Abheben von Verm\u00f6genswerten, mit Ausnahme vereinbarter Portfoliomanagementgeb\u00fchren, einger\u00e4umt wird. Die organisatorische Balance ist die Version dieser Situation innerhalb eines Unternehmens: <a href=\"https:\/\/vapa.ch\/de\/organisatorisches-gleichgewicht-vermogensverwaltung\/\">Organisatorische Balance im Verm\u00f6gensmanagement<\/a>. Das Geheimnis liegt darin, zu wachsen, ohne dabei an den Kern zu verlieren, aus dem die Kunden kamen: <a href=\"https:\/\/vapa.ch\/de\/skalierbarkeit-vs-flexibilitat\/\">Skalierbarkeit gegen\u00fcber Flexibilit\u00e4t<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/depotbanken-fur-unabhangige-vermogensverwalter-fim-eam\/\" target=\"_blank\">Verm\u00f6gensverwalter<\/a>\u00a0w\u00e4hlen.\u00a0<a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/vermogensverwalter\/\" target=\"_blank\">die Banken<\/a>\u00a0Sie empfehlen auf der Grundlage von Wissen und \u00dcberzeugung. Regelm\u00e4ssige Kontakte zu Depotbanken und Kooperationsvereinbarungen zwischen Banken und unabh\u00e4ngigen Verm\u00f6gensverwaltern sind Standardpraxis, die sicherstellt, dass die Banken auch die Verm\u00f6gensverwalter pr\u00fcfen, bevor sie Partnerschaften eingehen. Einen Blick wert ist auch: <a href=\"https:\/\/vapa.ch\/de\/swiss-private-banking-bucher\/\">Die B\u00fccher \u00fcber den Schweizer Privatbankensektor<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dies bildet eine <a href=\"https:\/\/vapa.ch\/de\/\">Dreiecksverh\u00e4ltnis <\/a>zwischen dem Kunden, der Bank und dem Verm\u00f6gensverwalter. Sie sind durch eine gegenseitige Vereinbarung verpflichtet, das Verm\u00f6gen des Kunden sorgf\u00e4ltig zu verwalten. Ausserdem geh\u00f6ren Wertpapiere wie Aktien und Anleihen rechtlich dem Kunden. Sie fallen nicht in die Konkursmasse einer Bank und sind daher nicht bilanzwirksam. Der Kauf von Aktien eines Technologieunternehmens beispielsweise bedeutet, dass der Kunde einen Anteil besitzt. Dieses Eigentum bleibt vom Konkurs einer Bank unber\u00fchrt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-custodian-balance-sheet-is-of-importance\">Die Bilanz der Depotbank ist von Bedeutung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die Bilanz einer Bank ist von entscheidender Bedeutung, insbesondere f\u00fcr Bareinlagen und von ihr ausgegebene Aktien oder Anleihen. Bei der reinen Verm\u00f6gensverwaltung ist die Bilanz jedoch weniger wichtig. Folglich ist die Verm\u00f6gensverwaltung noch weniger wichtig. Viele Verm\u00f6gensverwalter verf\u00fcgen \u00fcber eine Berufshaftpflichtversicherung, was ihre Bedeutung weiter verringert.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Wo das Kundenverm\u00f6gen tats\u00e4chlich liegt<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kundenverm\u00f6gen steht nie in der Bilanz des Verm\u00f6gensverwalters. Es wird bei einer Depotbank verbucht, und auch dort werden Wertschriften ausserhalb der Bankbilanz gehalten \u2013 nur Kontoguthaben sind dem Risiko der Bank ausgesetzt. Gr\u00f6ssere Liquidit\u00e4tspositionen lassen sich auf Geldmarktinstrumente, Call- oder Festgelder oder ultrakurze Anleihenfonds verteilen, da die Schweizer Einlagensicherung nur bis CHF 100'000 pro Kunde und Bank sch\u00fctzt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_wealthmanagers-singapore-zurich-activity-6845577431533817857-w8eG\/?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a> (SEO-optimiert)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Wealth managers are often questioned about their balance sheets. However, this economic factor is predominantly significant for banks rather than wealth management firms. A bank&#8217;s balance sheet is a crucial indicator of its financial stability, and clients naturally prefer to entrust their private wealth to a bank with solid financials. In contrast, wealth managers do [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3575,"comment_status":"closed","ping_status":"closed","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":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[89],"tags":[127,185,64,108,42],"class_list":["post-3574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-insight","tag-financials","tag-operations","tag-private-banking","tag-risk-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Balance Sheets Explained | independent wealth management<\/title>\n<meta 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