FAMILY OFFICE

FAMILY OFFICE
2 DAYS

OBJECTIVE

Understand the global role and specific missions of a family Office.

OBJECTIF

Bien comprendre le rle et les missions spcifiques dun familly office.

TRAINEES PROFILE

Private banker, wealth management advisor, portfolio manager,

product manager.

PROFIL STAGIAIRE

Banquiers privs, conseillers en gestion de patrimoine, salaris de

socits de gestion, chefs de produits.

TRAINER'S PROFILE

Consultant/Expert in private banking.

PROFIL FORMATEUR

Consultant/Expert en banque prive.

WHAT DOES A FAMILY OFFICE CONSIST IN?

+ Family Office in France & overseas
+ Who are family office's clients
SPECIFIC SERVICES OFFERED BY A FAMILY OFFICE
+ Financial aspects
+ Legal & Tax aspects
WORKING TOWARDS FAMILY HARMONY
WITH A LONG TERM VIEW
+ Offers advices to the family and each
family member
+ Taking charge of the familys charitable activities
+ Governance mechanisms and the need for
a family charter

82

2 JOURS

PRIVATE BANKING

CONCIERGE SERVICES: A PERSONAL ASSISTANT

+ Book keeping for civil companies & personal
accounts, tax return
+ Various activities : domestic staff & employees
pay slips, administrative tasks and property
& personal insurances

QU'EST-CE QUE LE FAMILLY OFFICE ?

+ Le familly office en France et ltranger
+ qui sadressent les services dun familly office
LES SERVICES SPCIFIQUES DU
FAMILLY OFFICE BANCAIRE
+ Aspects financiers
+ Aspects juridiques et fiscaux
LA PRSERVATION DE L'HARMONIE
FAMILIALE DANS LA DURE
+ Le conseil de la famille et de chacun
de ses membres.
+ Dveloppement des activits caritatives
de la famille

La gouvernance familiale : pourquoi rdiger

une charte ?

LA CONCIERGERIE : UN SECRTARIAT PERSONNEL

+ Comptabilit des socits civiles et des comptes
personnels, dclarations fiscales
+ Activits diverses : paye des employs de maison,
formalits administratives, assurances des biens
et des personnes

BANQUE PRIVE

83

GESTION FISCALE DU PATRIMOINE

EN FRANCE

PATRIMONY FISCAL MANAGEMENT

IN FRANCE
1 DAY

OBJECTIVE

Identify the assets and revenues taxable in France and learn how to deal
with the underlying tax risks.

OBJECTIF

Dterminer le primtre du patrimoine fiscalisable en France, matriser

les risques fiscaux induits.

TRAINEES PROFILE

Lawyer.

PROFIL STAGIAIRE

Juriste.

TRAINER'S PROFILE

Consultant/Expert in Law.

PROFIL FORMATEUR

Consultant/Expert en gestion fiscale, juridique et financire du

patrimoine des particuliers.

NOTION OF FISCAL RESIDENCY

+ Articles 4 and 4 bis of the French general tax code
+ International agreements
NON-RESIDENT INDIVIDUALS IN FRANCE
+ Investments (through banks, insurance companies)
+ Residential properties and real estate investments
TAXATION (INCOME TAX, WEALTH TAX, SOCIAL TAXES)
+ French residents
+ Financial investments (banks and banking products,
the insurance companies and life insurances and
capitalization contracts)
REAL ESTATE PROPERTIES
+ Sale, purchase and management

84

1 JOUR

PRIVATE BANKING

EXEMPT INVESTMENTS
+ Real estate investments, FIP, FCPI and SOFICA
TAXATION
+ Real estate and securities capital gains, property
taxes, housing taxes...

NOTION DE RSIDENCE FISCALE

+ Articles 4 et 4bis du CGI
+ Les conventions internationales
LES PERSONNES NON RSIDENTES EN FRANCE
+ Les placements (en banque, en compagnie
d'assurance)
+ L'immobilier rsidentiel, de placement

LES PLACEMENTS DFISCALISANTS

+ Immobilier, FIP, FCPI, SOFICA
LA FISCALIT
+ Impts sur la plus-value mobilire, immobilire,
taxes foncires
+ Taxes d'habitation

LA FISCALIT (IR, ISF, CSG-CRDS)

+ Les personnes rsidentes en France
+ Les placements financiers (les banques et les
produits bancaires et les compagnies d'assurance
et assurances vie et contrats de capitalisation)
L'IMMOBILIER
+ Achat, gestion, vente

BANQUE PRIVE

85

WEALTH MANAGEMENT FINANCING

FINANCEMENT DE LA GESTION DE
PATRIMOINE

2 DAYS

OBJECTIVE

This program sets up a framework for dealing with High Net Worth
Individual's (HNWI) financing needs and risk control practices specific to
this area.

OBJECTIF

Ce programme met en place un cadre pour traiter les besoins de

financement des clients HNWI et les pratiques de contrle des risques
sur cette activit.

TRAINEES PROFILE

Wealth management managers, advisory desk executives and credit

solutions specialists.

PROFIL STAGIAIRE

Gestionnaire de Wealth Management, Advisory Desk et spcialiste des

solutions de financement.

TRAINER'S PROFILE

Consultant/Expert in private banking.

PROFIL FORMATEUR

Consultant/Expert de banque prive.

GLOBAL WEALTH MANAGEMENT

+ Onshore/off shore activities
+ Impact on wealth management financing
CLASSIFICATION OF WEALTH
MANAGEMENT FINANCING CLIENT
+ Individuals
+ Private Investment Companies
+ Trust/Foundation
WEALTH MANAGEMENT FINANCING PRODUCTS
+ Lombard loan
+ Leveraged loans
+ Mortgage and other asset financing
+ Derivatives

86

2 JOURS

PRIVATE BANKING

CREDIT RISK MANAGEMENT

FRAMEWORK AND THEORY
+ Policies and procedures
+ Definition of the desired risk level
+ Monitor to ensure that the actual and desired levels
of risk remain aligned
MARKET RISK AND FINANCING RATIO INTRODUCTION
+ Measuring Value at Risk
+ Understanding volatility of underlying assets
+ How to define the financing ratio
MONITORING : THEORY, PRACTICE,
SYSTEM AND LEGAL ASPECTS

LA GESTION DE PATRIMOINE MONDIALE

+ Activits onshore/offshore
+ L'impact sur le financement
CLASSIFICATION DES CLIENTS
FINANCEMENT WEALTH MANAGEMENT
+ Personne physique
+ Les socits patrimoines
+ Trust / Fondation

INTRODUCTION : RISQUE DE MARCH

ET RATIO DE FINANCEMENT
+ Mesurer la valeur risque
+ Volatilit des actifs sous-jacents
+ Comment dfinir le ratio de financement
MONITORING : THORIE, PRATIQUE,
SYSTME ET ASPECTS JURIDIQUES

PRODUITS DE FINANCEMENT WEALTH MANAGEMENT

+ Crdit lombard, leverage, mortgage, drivs
CADRE DE LA GESTION DES RISQUES ET FINANCEMENT
+ Mettre en place des politiques et procdures
+ Dfinir le niveau de risque dsir
+ Contrler pour s'assurer que le niveau rel et
souhait de risque restent aligns

BANQUE PRIVE

87

MARKETING FOR PRIVATE BANKERS

MARKETING DES BANQUIERS PRIVS

2 DAYS

OBJECTIVE

How to improve performance and minimize risks ?

OBJECTIF

Comment amliorer la performance en diminuant les risques.

TRAINEES PROFILE

Senior private bankers.

PROFIL STAGIAIRE

Banquiers privs seniors.

TRAINER'S PROFILE

Private banker.

PROFIL FORMATEUR

Consultant/Expert en marketing bancaire haut de gamme.

What are the appropriate targets ?

Derivative products, equity options

Quels sont les cibles adaptes ?

Mthodes dvaluation gnralement acceptes des

performances : revue, commentaires

Understanding of the competition and competitive

Widely accepted benchmarks : reviews,

commentaries

edge of the marketed product : how to

differentiate them ?

Connaissance de la concurrence et des avantages

comptitifs des produits vendus : comment
les distinguer ?

Interaction avec les responsables risques, comits

de crdit

Gestion de crises

Comment faire lexplication des reportings,

comment expliquer la performance

88

2 JOURS

Interaction with the asset management company

and portfolio manager

Interaction with risk managers, credit committees

Crisis management

How to analyse reportings, how to

explain performance

Interaction avec le gestionnaire et le grant

de portefeuille

Produits (dj connus par le public vis,

en principe)
Produits standards et types de mandats

Products (normally already known by the trainees)

Standard products and mandate types

Portfolio involving leverage, cash/stockcollateralized loans

PRIVATE BANKING

Effets de levier sur portefeuilles, prts contre cash

ou actions
+ Produits drives, options sur actions

BANQUE PRIVE

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