BiPBS

A powerful tool designed for high-end private banking services, this product, with the assistance of professional management experts, designs customized asset plans. Professional investors can easily complete personalized asset allocation, manage market risks, and adjust the frequency of risk reports according to transaction needs. For predicting future trends, product units can import trend models and cross-system parameters to assist in the process.

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Client Onboarding

Assist banks in fulfilling regulatory requirements for customer onboarding through various credit investigation and asset verification processes.

Financial regulators impose several client eligibility requirements on banks offering private banking services, including…

  • Customer KYC procedures
  • Anti-money laundering requirements for blacklists and sensitive customer inquiries
  • Customer Risk Assessment
  • Client net worth documentation
  • Client's educational background and investment experience documentation
  • Based on the internal approval process required by regulations
  • Complete client onboarding and account setup

RM & FA Workbench

Best practices for professional operating processes in private banking advisory services

Built on 20 years of advisory expertise, the platform streamlines the entire client engagement process.

  • RM and FA team organizational design,
  • Service workflow design: Consultative service, RM + FA + expert team 1+1+N workflow

This functional module includes the following main functional items:

Establish a consultative service team structure (1+1+N structure), which includes multiple roles such as relationship account managers, investment advisors, customer group management (asset allocation), product managers, and investment research, to achieve tiered customer management.

The SFA (Special Families Association) workflow management platform, specifically designed for private banking, establishes standardized service processes for private banking. The system generates various event messages daily, including service events, investment events, post-investment management events, and legal compliance events, defining collaborative service processes to enable teams to provide efficient and high-quality service.

This business management platform is designed specifically for senior private banking executives, allowing them to grasp the status of business operations from different statistical dimensions through multi-dimensional business reports and analysis functions. It also enables them to quickly understand the various investment activities, profit and loss situations, and service effectiveness of their clients (FA and RM).

Asset allocation and investment management portfolio

RM and FA perform the core functions of product analysis, investment advice, and post-investment management.

Built on the Markowitz asset allocation model to construct the most suitable portfolio for each client, with Value-at-Risk models for portfolio risk analysis and Brinson model performance attribution for portfolio return analysis. These three pillars — asset allocation, portfolio risk, and return analysis — have been refined within BiPBS into a private banking performance analytics framework that helps FAs raise the quality of client portfolio management.

This module includes the following key features:

Product Management

This system supports the analysis and management of financial products commonly found in private banking, including Foreign Exchange (FX), Dual Currency Investments (DCI), Structured Products, Bonds, Funds, Stocks, and Derivatives. It assists Financial Advisors (FAs) in providing investment advice or portfolio analysis to clients, and helps the bank manage client portfolio risks.

Asset Management

This function monitors and manages clients' post-investment holdings. The system allows investment consultants to set market outlooks and distribute investment updates to some or all clients, effectively assisting Financial Advisors (FAs) in managing client portfolios.

Product Selection & Portfolio Construction

The system provides analysis and a scoring system for various products, including funds, stocks in major markets, global ETFs, key bond products, structured products, and currency derivatives. This enables investment consultants to quickly select products and build portfolios for their clients.

Client Accounts

This module establishes multiple private banking accounts, base currencies, and relationships between related parties, allowing each account to manage single or multiple investment portfolios. It also provides client profit and loss (P&L) and investment performance analysis, utilizing TWR (Time-Weighted Return) and MWR (Money-Weighted Return) methodologies to calculate investment returns for any given period, as well as overall portfolio returns.

Capital and Asset Allocation

Provides intuitive capital allocation solutions and asset allocation recommendations for various types of funds. It employs models including the Needs Hierarchy Pyramid for capital attributes, Markowitz Modern Portfolio Theory (MPT) Mean-Variance (MV) optimization for risk-return balancing, and the Black-Litterman (BL) model, which integrates expert market outlooks to refine MV asset allocation.

Investment Proposal

A professional investment proposal is an essential client-facing document in private banking. Our system generates high-end, professional investment proposals that encompass various expert elements, including market outlooks, allocation recommendations, investment planning, current portfolio analysis, rebalancing suggestions, and backtesting analysis.

Portfolio Report

The system generates professional portfolio reports equivalent to monthly statements. Relationship Managers (RMs) can produce accounting reports of client holdings at any time to provide to their clients.

Trade Ticket Management

Integrates with the major trading systems, consolidating trade ticket generation across systems together with compliance checks. Trade tickets can be transmitted to each downstream system to complete the order.

Portfolio Risk Control & Management

Featuring a powerful AI-driven automated market sensor, the system analyzes financial market news and price fluctuations to assess their impact on portfolio risk. It provides personalized risk management based on regulatory requirements and individual client risk tolerance.

Product Analysis & Backtesting

Recognizing that market trends are unpredictable, we use historical market data to create multiple scenarios. By testing how recommended portfolios perform during specific market shifts, we help clients clearly visualize potential gains or losses under different market conditions.

Portfolio Management Practices

The system offers a team-based advisory service model (RM + FA + Specialist Team) forming a "1+1+N" collaborative workflow. Based on the operational models of multiple large-scale private banks, it helps institutions adopt best practices and establish a comprehensive private banking service system.

Family Trust / Family Office

Asset management system designed for ultra-high-net-worth clients

  • It can be used for asset management and property management trusts

    The assets entrusted for management can be money, property rights, equity, or future payments (such as insurance proceeds). Management can take the form of asset transfer to an individual, family, or other legally permissible method. The system provides various condition parameters, allowing for the customization of trust agreements to meet client needs

  • It can solve the cumbersome family asset management and various tasks of family offices currently handled by banks

    Includes functions such as client contracts, management team, product risk, investment planning, trade execution, asset valuation and management, allocation and liquidation, and various management reports.

Success Stories

Wealth + Private Banking System
BiPBS : Private Banking System

M Commercial Bank

The largest joint-stock commercial bank in China

"We are very glad we chose SoftBI as our partner."

In 2007, the client's vendor selection laid out two key requirements: hands-on experience with large international wealth management bank systems, and a specialist execution partner for wealth management platforms. After a rigorous evaluation, SoftBI was selected. We brought in international wealth management practices, team management methods, asset allocation frameworks, sales workflows, and portfolio management operations.

Following the go-live at the end of 2008, as China's wealthy population grew, the WMS system's asset allocation, product selection, post-investment management, team management, and business monitoring drove rapid performance growth at Bank M, making it the top-performing wealth management bank in China. SoftBI subsequently continued to build out Bank M's private banking system, layering a mature European-style advisory service workflow on top of the wealth management asset allocation foundation — quickly establishing a professional investment advisory workflow and reinforcing a brand that prioritizes AUM growth over transaction fees.

Today, Bank M has the largest total AUM in private banking in all of China. Senior executives have publicly endorsed SoftBI as their partner of choice.

Y Wealth Co.

The China private banking arm of a major Italian bank

Quickly became a leading institution in China's private banking market.

As a foreign bank, securing a foothold in China's vast market called for a partner familiar with the local wealth management and private banking landscape — one who could lay out the business roll-out steps and deliver a system solution. SoftBI was the best-fit vendor against all of these criteria. At the request of Italian experts, we integrated their working methods with local Chinese regulatory requirements and product specifics, successfully passing the regulatory review and obtaining the operating license. The client subsequently expanded rapidly and became a leading institution in China's private banking market.