Client profiling

The aim of client profiling is the recording of client information relevant to wealth management. The profiling can be done cumulatively in a number of different ways, depending on the advice and investment process, e.g.

• By answering a questionnaire defined by the bank. The client then is allocated to a predefined risk profile based on the resulting combination of responses
• By recording assets together with planned future income and expenditure within the context of a life-cycle approach
• Through budget planning
• By means of client restrictions.