The investment process is based on strict and disciplined standards.

An investment Board, consisting of an international team of professionals, meets regularly and determines the investment strategy based on capital flows, monetary and fiscal policies as well as the economic and fiscal outlook. It then decides on the bank's strategic Asset Allocation and sector weightings. The preferred list of securities is analysed in detail and discussed regularly between members of the bank and external advisers.

The Investment Manager is first responsible in understanding the client's personal investment requirements and setting his strategy. He will then tailor the bank's strategic Asset Allocation on the latter. He will finally create the client's individual portfolio by selecting the most appropriate securities on his behalf, which may or may not be in the preferred list of securities. He may however only diverge from the bank's position when in the client's best interest. The client may naturally decide his role in the process and may take a more or less proactive stance as he thinks fit.

BiBT's typical investment process :

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