Hey ladies and gentleman, I have been on this forum for a week and I really enjoy it. I wanted to make my contribution to this forum and I think I have a nice way to do it. But first ill do a brief explanation. For last 15 years I have been working as a private banker, during last 6 months I switched for a position in a private sector company and now I found this forum. I also have an IT company, but its not the main point of the discussion. So I wanted to share my practical and general banking knowledge with you guys. I want to start a thread where you will be able to freely ask any question you would like to know answer for about banking, maybe not about BASEL 3 standards, but anything that you could think of to ask a private banker. Those can be questions about life or about compliance. Please note that this thread is not made for marketing purpose, and questions like in what bank can you help open account will not be answered. Lets see how it works out and have a nice day.