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Financial Services Act (FinSA)

Art. 4FinSA from 2020

Art. 4 Financial Services Act (FinSA) drucken

Art. 4 Client segmentation

1 Financial service providers shall assign the persons for whom they provide financial services to one of the following segments:

a.
retail clients;
b.
professional clients;
c.
institutional clients.

2 Retail clients are clients who are not professional clients.

3 Professional clients1 are:

a.
financial intermediaries as defined in the Banking Act of 8 November 19342 (BankA), the Financial Institutions Act of 15 June 20183 (FinIA) and the CISA4;
b.
insurance companies as defined in the ISA5;
c.
foreign clients subject to prudential supervision as the persons listed under a and b above;
d.
central banks;
e.
public entities with professional treasury operations;
f.
occupational pension schemes with professional treasury operations and other occupational pension institutions providing professional treasury operations;
g.
companies with professional treasury operations;
h.
large companies;
i.
private investment structures with professional treasury operations created for high-net-worth retail clients.

4 Institutional clients6 are professional clients as defined in paragraph 3 letters a to d as well as national and supranational public entities with professional treasury operations.

5 A large company is a company which exceeds two of the following parameters:

a. balance sheet total of CHF 20 million;

b. turnover of CHF 40 million;

c. equity of CHF 2 million.

6 Companies of a group that receive a financial service from another company from the same group are not deemed to be clients.

7 Financial service providers may refrain from client segmentation if they treat all clients as retail clients.


1 As professional clients are primarily legal entities, they are referred to herein as «it».
2 SR 952.0
3 SR 954.1
4 SR 951.31
5 SR 961.01
6 As institutional clients are primarily legal entities, they are referred to as «it».


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