Products and services

VP Bank Group has extensive expertise and international experience, enabling it to offer sophisticated clients first-class solutions.

Services

VP Bank offers a comprehensive and structured range of services for financial intermediaries, institutional clients, private clients, and corporate clients. The various business areas focus on their respective client groups and their specific needs. On this basis, they design their core offering and continuously develop it further. Synergies between the business areas complement VP Bank's overall offering, with the expertise of the individual areas also benefiting the other business areas.

The Financial Intermediaries business area demonstrates how this works in practice: the highest standards in fiduciary business form the basis for specialized solutions – particularly in the structuring of complex asset and corporate structures and in global payment transactions. VP Bank also offers external asset managers (EAMs) direct access to trading, enabling efficient and professional order execution. An automated FIX interface ensures a seamless technical connection between the EAMs' portfolio management systems and the specialist departments at the bank.

In a constantly changing banking environment, it is crucial to understand clients' needs holistically and respond flexibly. The clear structure of the business areas creates a comprehensive and at the same time specialized range of services that combines the strengths of the individual areas and optimally coordinates them with each other.

Agile product development and market launch

VP Bank continuously develops its products and services in order to optimally meet clients needs and ensure its competitiveness. The Group Product & Service Center plays a central role in this process: it consolidates clients requirements, regulatory requirements, and findings from benchmarking and trend screening, and manages the entire product development and life cycle process.

New ideas are quickly tested and implemented using a sprint approach, enabling fast and informed decisions to be made. The product development process follows three clearly structured phases: preparation of the idea, decision on implementation, and market launch with subsequent review.

Planned adjustments or new products are submitted to the Product & Pricing Committee, which evaluates opportunities and risks in an interdisciplinary manner and decides on approval. ESG criteria are firmly anchored in the scoring model in the Product Review Process and are continuously developed. Through the close integration of benchmarking, product development, and life cycle management, VP Bank ensures that its offerings remain competitive in the long term, even in a dynamic market environment.

Sustainable solutions

In 2020, we launched the “Investing for Change” initiative. We identify future-oriented topics and companies that actively manage ESG risks, exploit opportunities, and contribute positively to social and environmental change. In this way, we help our clients to align their portfolios more sustainably with their preferences. ESG criteria complement the financial investment criteria.

Our investment philosophy is based on the conviction that sustainability means more than just excluding certain companies. We pursue an integrative approach in which environmental, social, and governance aspects are systematically incorporated into the entire investment process. This enables us to identify long-term opportunities and manage risks.

We avoid investments that carry a disproportionately high risk or have a significant negative impact by defining clear thresholds. At the same time, we attach great importance to transparency: our clients receive comprehensive information about the sustainability performance of their portfolios so that they can make informed decisions.

We apply these principles to our advisory and asset management mandates as well as to our own investments, thus ensuring consistent implementation.

Modular product offering

VP Bank has tailored its investment offering to the needs of its clients through various modules. In 2025, it expanded its offering once again and introduced VP Vida Go, an wealth management solution designed specifically for new investors.

VP Sensa – activation package:

This module includes all basic services and also offers direct access to a personal client advisor. Clients also receive a comprehensive range of investment solutions from VP Bank.

VP Auda – investment advisory solutions:

This module offers strategy-based advice in a portfolio context. In addition to regular risk monitoring, clients receive ongoing new investment ideas and recommendations tailored to changing market developments.

VP Vida – wealth management solutions:

Clients benefit from VP Bank's structured and disciplined investment decisions. The VP Vida mandate lines are also available as “Plus” variants and are particularly suitable for investors who want to focus on ESG criteria.

Offering for the digital generation

With the revamping of its VP Nova offerings, VP Bank is responding to the changing needs of the digital generation. The offering provides flexible solutions tailored to different stages of life—from the first account at age 12 to the start of a career—and combines modern banking tools with exclusive added value in the VP Nova Club.

Digitally supported advisory process

VP Bank uses a hybrid approach in its advisory process, combining personal consultations with digital solutions. Since 2024, the Goal Based Advisory Tool has been supporting client services and enabling more personalized advice that consistently aligns financial decisions with clients' individual life goals.

In the digitally supported advisory process, clientes receive tailored recommendations based on their personal goals and a clear timeline for achieving them. This structured approach makes it easier for them to plan their financial future and track their progress transparently. Based on feedback from both client and client advisors, the tool was continuously optimized during the reporting year. This improvement process will continue in 2026 to take additional needs into account and further increase its usefulness.

Both clients and advisors appreciate the expanded digital possibilities—in particular, the intuitive visualization of goals and the transparent display of the current degree of goal achievement.

The tool creates significant added value by providing easy access to relevant information and products. It enables more personalized and in-depth interaction with clients.