We live in a world of remarkable technical innovation. Today, it seems that almost anything can be had with the push of a button, and that there is hardly any part of our lives that technology does not touch. This is certainly true of the world of banking, which, although always heavily dependent on technology, is currently experiencing what may be its most profound period of technological change ever.
There is much good in this. As investors, our globalised financial system allows us access to more markets, products and services than ever before. Today individuals and small asset managers can easily make use of capabilities previously reserved only for the largest organisations, at a fraction of the cost compared to just a decade before.
But there is another side as well. For all our communications channels and social media platforms, the modern world can sometimes feel impersonal. For all of the miracles of modern finance, banking can seem that way too. With its technical sophistication, its mathematical precision, and its impenetrable jargon, our industry today seems for many a far cry from what they used to understand under the term ‘bank’.
We are well aware of this. At Banque Cramer, we have great respect for the tools of modern finance, and have made it our business to master them. But we have never lost sight of the fact that banking is as much an art as it is a science. That is because, at heart, it serves very human ends: the creation and protection of wealth, whether for individuals or organisations, so that they can prosper, and society along with them.
As your trusted advisor, our promise is simple. You can be confident that we are very good at what we do. You can always count on us to do our job thoroughly and with your best interests in mind. And you can be sure that we will never forget what banking really is: a human endeavour, built on a strong, mutually respectful, human relationship.
|Marco J. Netzer
Chairman of the Board of Directors