At Pilatus Bank, each client’s unique goals and investment perspectives define our investment philosophy. Our main objective is to apply sound fundamental investment principles, which favor long-term value creation and seek capital protection through risk management.

Our proven talented Portfolio Management team defines the investment direction of each client by continually measuring and monitoring their risk tolerance. We believe that the consistent application of rigorous investment approach is at the core of every assessment, thus ensuring the optimum selection of asset classes available.

Our strategic asset allocation approach involves a sophisticated blending of the market’s current dynamics, the asset valuation, and the calculation of risk/return trade-off. To optimize our clients' portfolio, we offer the flexibility of tactical asset allocation in anticipation of the constant volatility that influences the market, delivering maximized return potential.

Portfolio Management

In managing portfolios, we have developed a structured approach that ensures a clear understanding of our clients overall situation, including the financial goals, risk appetite, risk tolerance, liquidity needs, tax restrictions, and other specific requirements.

Our Portfolio Management is based on the following four-step principles:

Step 1 – Investment Policy

Our advisory process begins with an open dialogue between the client and an investment advisor. The objective is for the advisor to comprehend the financial expectations, preferences, and overall financial goals of the client. Together, they develop an investment policy statement, which determines the guidelines and parameters towards achieving both the short and long term financial goals.

Step 2 – Strategic Allocation

The investment advisor will then undergo thorough analysis in order to develop an adequate portfolio model with an asset allocation, which is in line with the client’s investment policy.

Step 3 – Implementation

Once the client has reviewed and approved the asset allocation, the investment advisor will run a security selection analysis in which he/she identifies the underlying securities that construct/form the optimal portfolio.

Step 4 – Reporting and Review

We respond swiftly to any changes in market dynamics and re-balance the portfolio accordingly while remaining within the parameters of the investment policy. We continuously monitor the portfolio performance and keep the clients up-to-date through periodic performance reports.

External Asset Managers

Pilatus Bank has a Category 2 Investment Services license from the MFSA which allows the Bank to act as a custodian in relation to regulated External Asset Managers (EAM). We provide direct and dedicated custody services to EAMs including Special Power Attorney mandates for EAMs, consolidated online banking platform and ARX© for EAMs, and designated trading desk with “night trading” functionality. As an innovative leader in the wealth management industry in Malta, Pilatus Bank is the partner which is ideally positioned to respond swiftly and effectively to the requirements of External Asset Managers.

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European Wholesale Securities Market

Pilatus Bank is the only European bank recognized as a listing agent on the European Wholesale Securities Market (EWSM).

EWSM is a European regulated market for wholesale-denominated debt securities. It offers a comprehensive range of benefits within an EU regulated framework including; issuance of corporate bonds for asset backed projects such as oil & gas, petrochemical, real estate development, and agricultural businesses. This is pivotal for state owned, quasi-owned, and private corporation to raise funds and gain access to global foreign investors in an EU regulated market. This can certainly facilitate, increase, and promote Foreign Direct Investments in various jurisdictions. Some of the advantages of EWSM listing are: lower listing prices, lower filing requirements, over the counter (OTC) exchange, and no tax withholdings for non-resident applicants and investors. 

Pilatus Bank, as the only credit institution, is an approved listing agent by the Malta Financial Services Authority (MFSA), to undertake the listing process for any qualified applicant. Pilatus Bank undertakes the implementation of the entire listing process, and will custody the funds in a regulated European Market.

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