BANQUE HAVILLAND (MONACO) S.A.M.

Banque Havilland (Monaco) S.A.M. is a Monaco-incorporated private bank within the Banque Havilland group, focused on serving high-net-worth individuals, families, and professional investors through a relationship-manager model. The institution provides core private banking services including multi-currency accounts, custody and safekeeping, execution-only dealing, and discretionary or advisory portfolio management across listed securities and investment funds, with access to foreign exchange and standard cash management. Credit is generally offered on a secured basis, typically against pledged marketable portfolios (Lombard lending), with terms dependent on collateral quality and concentration; real estate or other bespoke lending may be available subject to underwriting and local rules. Product selection follows an open-architecture approach in practice, combining in-house views with third-party funds and, where suitable, structured products; the bank commonly interacts with external providers for life-insurance wrappers and other wealth-planning solutions but does not replace independent legal or tax advice. Client onboarding is selective and driven by regulatory suitability, source-of-wealth evidence, and cross-border constraints; accounts for holding companies, trusts, or family offices may be accepted subject to enhanced due diligence. Fees generally comprise mandate management charges, custody and transaction commissions, FX spreads, and credit margins, with specific pricing set contractually rather than published; reporting is delivered through periodic statements and an online portal for portfolio and payment access. The entity operates under Monaco law and local supervisory requirements, applying standard AML/KYC controls and conduct rules; it is not positioned as a mass-market retail bank and does not typically offer extensive branch-based services. Prospective clients should assess minimum relationship thresholds, the scope of eligible investments in their jurisdiction, and the total cost of ownership of chosen mandates before onboarding.