New regulations, new rules - and new opportunities.
Basel III comes fully into force on January 1, 2025. What at first glance appears to be a technical step in banking supervisory law has far-reaching consequences - not only for banks, but for everyone who works with capital: Entrepreneurs, investors, family offices, institutions. For many, the regulations are complex. For us, it is an invitation to take a closer look.
What is changing - and why it is crucial.
Basel III requires banks to hold significantly higher equity reserves for risky financing. This particularly affects areas such as real estate, private equity and entrepreneurial investments - i.e. those fields in which many of our members are specifically active. The effect: financing will be granted more restrictively, conditions will increase and certain financing models will lose flexibility.
For investors, this means that anyone wishing to raise or provide capital must in future place greater emphasis not only on the quality of the idea, but also on the structural embedding and risk assessment. Standard solutions are becoming less feasible - individual strategies are becoming more relevant.
What investors should look out for now.
The requirements of Basel III are shifting the focus away from quick access and towards sound reasoning. Entrepreneurial investors should pay more attention to the capital structure, liability concepts and reporting. Partnerships with banks or custodians are also being renegotiated - often discreetly, but with a clear impact on practice.
Institutional investors are currently reanalyzing their portfolios. Family offices are responding with a changed balance between direct investments and structured vehicles. And private investors are increasingly asking for transparency, tax optimization and realistic exit scenarios. Basel III is forcing clarity - but clarity also brings strength.
Our contribution: Orientation in a new financial environment.
At Swiss Family Relations, we actively support this change. Our discussion partners are not only investors, but also bankers, regulators, structurers and lawyers. We translate the complex set of rules into concrete options for action - individually tailored to the strategy, time horizon and investment objective.
Basel III is not a risk. It is a filter. And those who use it correctly can turn the new regulations into competitive advantages. Provided you don't think in terms of products - but in terms of positioning.
