An asset portfolio that has been built up over the years is valuable and needs to be protected and grown over time for oneself and for future generations.

• MMG Absoluta
• MMG Exclusiva
• MMG Evolution
• MMG Evolution Swiss
• MMG Easy

A flexible and personalised plan that invests in MMG funds on the basis of a selected strategy to build wealth over time.

MMG advisory services are for investors who want to make their own investment decisions. They want their bank to be a capable partner that provides recommendations on the right moves to make.

• MMG Activa
• MMG Advisor

MMG guarantees personalised analyses and investment fund manager selection as well as ongoing monitoring.

MMG offers MMG Term Deposit to Swiss domicilied clients. MMG Term Deposit allows for a profitable and transparent three-year liquidity investment.

MMG`s range of structured products covers all four Swiss Structured Products Association categories: protection, participation, yield enhancement, leverage.

MMG is among the largest investment fund managers in Switzerland and provides a wide range of solutions from traditional to alternative funds.

MMG offers a wide selection of alternative investments, including funds of funds and asset management schemes that invest in hedge funds.

Buying or renovating a house is an important financial decision that requires long-term investment planning. MMG offers clients its know-how and specialised skills developed over the years to provide you with guidance, understanding and help in choosing together the best mortgage solutions. MMG?s experts work closely with your relationship manager to provide you with specialist loan advice tailored to your particular global financial situation and to offer you flexible, low-cost mortgage solutions. MMG mortgage solutions include fixed- and variable-rate loans, as well as construction loans. A Lombard loan is a loan granted by the Bank and secured by some or all of the marketable securities held by a client in a custody account.A Lombard loan fulfils a need for immediate cash without having to divest assets. This is an attractive financing solution for those who wish to take advantage of the leverage effect, optimising their portfolios through the purchase of new financial instruments without having to sell their existing securities. You can borrow against deposited assets up to a certain percentage of their respective market values. Lending value percentages depend on the level of risk inherent in the securities and the type of securities themselves. Usually two types of Lombard loan are available:

MMG FINANCE GROUP is present around the world through its Banks, active in private banking and in asset management, and through its consulting companies specialized in international corporate planning, in private equity advisory and in corporate finance. MMG FINANCE GROUP manages a full range of traditional and alternative investment funds and can also provide advice to its clients for investments in real estates and in works of art and collectibles. Today, the MMG FINANCE GROUPis actively seeking new funding opportunities throughout the world. With free enterprise on the rise everywhere, we hope to fill an important role in helping companies of all sizes to achieve their goals.
TERM:
Flexible loan term up to several years or more
PREPAYMENT:
Loans may be repaid at any time without penalty.
USE OF PROCEEDS:
Loans are made for business purposes only.
LOAN TO VALUE:
Loan amounts can be up to 50-80% of the disposition value of the collateral, based on the estimated cash sale price given a 90-120 day marketing time. If the loan is used for renovation or construction, the loan amount can be based on the improved value, and would be disbursed in stages.
RATES:
Rates vary from 3-6% per annum, interest only, depending upon collateral and loan structure. Internationally, rates vary from 6-10%, depending on country. In case there is no Collateral, we are able to insure the loan through our partner insurance company Lloyds, MMG FINANCE GROUP Group, Zurich Insurance, Swiss National Insurance, Rentenanstalt Insurance, HHG or other.
COLLATERAL:
Real estate and other fixed or liquid assets.

MMG FINANCE GROUP provides a broad range of investment services that fall generally into two categories: General Consulting, and Private Markets Consulting Services on a discretionary or non-discretionary basis.

Strategic Investment Advice

• Long-Term Policy
• Asset Allocation
• Manager Selection and Evaluation
• Risk Control
• Quarterly Status Reports

Fund Coordination

• Supervising Manager Transitions
• Protecting Trustees
• Developing a Crisis Recovery Plan
• Managing a Safety Reserve
• Centralizing Cash Management
• Directing Fund Cash Flows
• Controlling Unusual Investments
• Negotiating Fees
• Receiving Class Action Settlements

Asset Classes

• Private Equity
• Private Debt
• Real Estate
• Timber and Natural Resources
• Hedge Funds and Portable Alpha
• Infrastructure

MMG offers a ?customised? service with structures created to meet the most diverse needs in terms of underlyings and pay out and which satisfy expectations for returns while respecting the client?s risk tolerance.

MMG offers investors the opportunity to position themselves in the market under their own name, with investment funds created according to their own needs.

MMG`s range of structured products covers all four Swiss Structured Products Association categories: protection, participation, yield enhancement, leverage.

MMG offers a wide selection of alternatives, including funds of funds and asset management schemes that invest in hedge funds.

MMG is among the largest investment fund managers in Switzerland and provides a wide range of solutions from traditional to alternative funds.

Just the right planning to satisfy corporate and family needs today and tomorrow Wealth Management stands for the development of private banking in the direction of identifying the overall needs of clients. Group Finance MMG makes a team of advisors available whose goal is to gain an optimum understanding of the goals and projects in each client's professional and personal life and to establish a long-term relationship based on trust. For clients in Switzerland, a dedicated team focuses on local aspects. The objective is to offer advisory services and personalised solutions to satisfy current family and company needs and to plan for the future by guiding clients toward achieving their goals. Aware that there are no standardised solutions, MMG looks at each client's individual needs and desires, offering solutions based on an in-depth analysis of the client's position, taking in all the most important aspects: the family and company situation (or job situation) and tax aspects. In addition, the bank defines strategies for maintaining or growing assets, planning for retirement and regulating succession. MMG can also handle relocations if clients want to transfer their domicile to Switzerland. A relocation is an important step that requires careful planning, not only because of the shift in the client's residential base and its influence on family life, but also due to legal and tax issues.

Safe and efficient pension solutions to appreciate today security for tomorrow MMG is committed to being by your side for the most important decisions, and the choice of pension products is surely among them. Thanks to a high degree of flexibility and return,MMG?s Pillar 3a retirement account is particularly well-suited to your desires and needs, providing peace of mind as you build your retirement capital year after year. MMG?s vested benefits account offers a safe and efficient solution to preserve your pension capital in the second pillar.
Pillar 3a retirement savings account: three-way coverage. Flexible, personal and profitable Your pillar 3a retirement savings account allows you to combine traditional account-based saving with fund-based investments, with payments split between:

• a pillar 3a account earning a preferential rate of interest of 1.75% for retirement savings linked to security
• a pillar 3a retirement custody account for investing in units of MMG"'s balanced investment fund under Swiss law: MMG Life Invest-40.

You benefit from the following advantages:

• Payments into your pillar 3a retirement savings account are tax deductible up to a specific maximum amount (CHF 6?739 for employed persons affiliated to a pension fund; 20% of the income earned, up to a maximum of CHF 33?696, for employees with no pension fund)
• No wealth tax is payable on the balance of your retirement savings account
• Interest and capital gains are tax-exempt for the duration of the retirement savings agreement
• Capital payouts are taxed at a privileged rate and treated differently from other income at both the federal and cantonal level
• Fund investments can be added
• The pension assets can be used to finance residential property for own use
• Account and custody account maintained free of charge
• Advantageous rate of interest
• You can combine your pillar 3a retirement savings account with insurance cover against the risks of death and disability

BSI vested benefits account. As versatile as you are
Within the framework of occupational retirement cover, MMG's vested benefits account enables pension coverage in accordance with the Swiss Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans as well as the Law on Vesting in Pension Plans. Your vested benefits account at MMG allows you to combine traditional account-based saving with fund-based investments, with payments split between:

• an interest account with a preferential interest rate of 1.125%
• a vested benefits custody account for investing in units of MMG's balanced investment fund under Swiss law MMG Life Invest - 40R

You benefit from the following advantages:

• Attractive returns thanks to a preferential rate of interest
• Fund investments can be added
• The pension assets can be used to finance residential property for own use
• Your retirement capital is preserved
• No liability for withholding, wealth or income tax until your capital is paid out
• Retirement capital can be paid out in cash in the circumstances specified by the law on vesting in pension plans
• A preferential tax rate when your capital is paid out, with your capital taxed separately from the rest of your income
• Account and custody account maintained free of charge

The wealth management solutions that MMG offers its clients include insurance products and services in cooperation with Generali Switzerland. Generali Switzerland?s insurance solutions not only satisfy pension and personal needs but also cover risks related to death and disability. Thus MMG can offer clients a full and flexible range of quality products, including life insurance ? policies and wealth management solutions ? as well as non-life products to cover clients? most important risks.

The trading department offers an excellent advisory service for securities, precious metals and foreign exchange. It guarantees top-quality brokerage services.MMG trading room, with a staff of fifty, operates from 7 a.m. to 10 p.m. Clients looking for investment solutions and opportunities can benefit from the expertise of specialists and a global network of contacts. In particular, the foreign exchange department offers external asset managers efficient markets with low transaction costs and simple, transparent conditions. Our team provides clients with daily investment comments, technical analyses and tailor-made products.
If necessary, experts from Research are ready to talk directly about shares or specific sectors. This service is supplemented by regularly held information events on the markets and particular situations.
At MMG there is more than just the technical aspect. The goal is to create a long-term relationship with clients based on trust in order to help them best capture the opportunities that the markets present while controlling risks. The structure of assets must be actively managed even in the case of a passive buy-and-hold approach. MMG Research team keeps clients informed on the global economy and carefully follows megatrends such as "emerging markets" and "commodities".

Through the Corporate Finance services, MMG is able to assist its clients with the financial problems tied to their company activities. Such problems arise daily in new forms and in markets facing continuing globalisation. In this context M&A operations (sale/purchase of companies), capital market operations and business evaluations are the order of the day. Through its Corporate Finance services, MMG will act as your consultant, and guide you through the whole process of extraordinary financing operations. Mergers, acquisitions and sales of businesses are rare events in the lives of many entrepreneurs. MMG regularly organises and completes this type of operation, with a guaranteed solid experience in all matters financial, fiscal, corporate legal and contractual.
The corporate finance team can advise you at each stage of transactions such as:

• acquisitions and disposals;
• management buy-outs;
• leveraged buy-outs;
• public offerings.

More specifically, we help you to:

• analyse financial data and identify potential development strategies;do project feasibility studies and draw up a business plan;
• determine a range of values for the business and support negotiations;
• ensure confidentiality;
• seek and select industrial counterparts or financial partners;
• prepare company presentations to submit to contacts;
• study the structure of the transaction from financial and legal points of view.

MMG is able to act as sole counterparty or in conjunction with other professionals to bring the negotiations to a successful conclusion.
MMG works with qualified counterparties, for example Tamburi & Associati, a leader in Italy in this sector.

The correct valuation of a company is crucial to many extraordinary finance operations. A prepackaged formula or the mechanical use of standardised valuation techniques will never produce an economically accurate result.
It is necessary to conduct an in-depth analysis that takes account of the company's unique characteristics: its strategic, economic, commercial, organisational and financial aspects, summarised into a final opinion by means of a sophisticated, tested methodology. Such a process requires extensive experience and a high level of professional expertise.
MMG can provide a thorough valuation of your company by:

• analysing financial data;
• formulating growth strategies;
• investigating project feasibility;
• devising business plans.

Capital markets
The economy is in a continuous state of development and change.
The new enterprises being established in totally new or consolidated sectors require financing in order to succeed.
Companies that have experienced a rapid expansion or are now in such a phase may require new capital to finance the increased business volume, and/or may decide to enlarge their pool of investors through a listing.
MMG offers these services:

• development of business plans and appraisals of businesses or suMMGdiaries;
• search for financial backers;
• fairness opinions for Initial Public Offerings (IPO).

MMG assists you in the search for corporate investors and in the structuring of operations, coordinating any fund-raising thanks to its know-how in private equity and venture capital. We support external managers in their search for the right solution for their clients, with a team of advisors backed by specialists.
Through dedicated structures, MMG is able to provide excellent support and local expertise to its business partners.
In addition to the support of a pool of dedicated advisors who carry out the instructions they are given, external asset managers can rely on the expertise of specialists including:

• Relationship Managers;
• Investment Advisors;
• Financial Planning Advisors;
• Corporate Finance Consultants;
• Credit Consultants;
• Specialists in specific fields.

Our Mission is an expression of our reason for being and our long-term objective. The main purpose of the Mission is to address a wide range of stakeholders. It expresses the link that we have with them and a management concept based on the long term. The Vision expresses our medium-term objective. Together with the other elements of our identity, it guides our strategic decisions. The MMG brand is the vector of the different elements of our identity, and at the same time it is the promise that we make to our stakeholders and represents one of the contact points that connects us to our public. MMG has been guiding its clients for more than 130 years: a long history of achievement and success that has enabled us to weather the most troubled economic times. Our values are who we are, our DNA. They make MMG unique, different from the competition. Our values are a beacon that guides us in the midst of great changes that are transforming the bank on a constant basis. They remind us of who and what we are, and they motivate our actions This Code of conduct establishes the principles and practices each employee is expected to comply with, in order to preserve MMG first class reputation, maintaining the highest standards of ethics, integrity, esponsibility and professionalism at all time.

MG Finance Group is your group. MMG Finance Group is the leading diversified financial servicescompany, focusing on banking, investments and insurance both regionally and globally.Our company works in international financial market for over than 95 years. A unique corporation that knows how to take care of you and your wealth over the years. Because we at MMG Finance Group understand your specific needs and share your values.
MMG Finance Group was created to consolidate and lead World large-scale infrastructure and investment projects. MMG Finance Group is committed to improving every aspect of life in the region by investing in life-improving industries.
MMG Finance Group 's achievements have helped build the success and prosperity of the Asia and the surrounding region. This includes the creation of a world-class commercial and physical infrastructure that attracts multinational companies from around the globe.
MMG Finance Group is the leading diversified financial services company of MMG Finance Groupt focusing on banking, investments and insurance both regionally and globally.

MMG Finance Group is dedicated to become a world class competitive diversified financial company, aiming to maximise wealth as well as creating a global footprint within each industry of focus. Our corporate culture is aligned with model built on loyalty, integrity and innovation.

MMG Finance Group is proud to work with leading technology and promotional partners to bring additional value and opportunities to our customers. We also provide resources to business partners and resellers to help them succeed and generate new opportunities and revenues.

MMG Finance Group is proud to work with leading technology and promotional partners to bring additional value and opportunities to our customers. We also provide resources to business partners and resellers to help them succeed and generate new opportunities and revenues.

MMG Finance Group is proud to work with leading technology and promotional partners to bring additional value and opportunities to our customers. We also provide resources to business partners and resellers to help them succeed and generate new opportunities and revenues.

MMG Finance Group is proud to work with leading technology and promotional partners to bring additional value and opportunities to our customers. We also provide resources to business partners and resellers to help them succeed and generate new opportunities and revenues. Banca del Sempione SA - Switzerland
EFG Bank- European Financial Group
UBS AG - Switzerland
Credit Suisse AG - Switzerland
The Royal Bank of Scotland Group- UK
Bank of Scotland-UK
Lloyds Banking Group-UK
Rabobank- Netherlands
Royal Bank of Canada- Canada
Citi Bank NA-USA
Societe Generale SA-France
ABN Amro Holding NV-Netherlands
Commerzbank AG-Germany
Deutsche Bank AG- Germany
Fortis Bank NV/SA-Belgium
JPMorgan Chase & Co.
Barclays Bank PLC-UK
Standard Chartered Bank -UK
Generali Group- Italy

Music is myth, tradition and testimony. It is past, present and future. In music we find genius, alchemy, dedication, technology and innovation. It is an encounter, it is magic, it is passion and love.
Music is a unique language, strong and true; it flies over barriers and borders beyond space and time. It moves everyone; it is eternal. For MMG music is a privileged way to build a relationship and create a link with our clients, our employees and the communities in which we operate.
These collaborations are consolidated through partnerships that go beyond mere sponsorship; they are partnerships where there is a will and a desire to step in and make a project or an idea greater and stronger. For MMG , these moments are so important and so powerful that in many cases we want them to bear our name.

MMG , one of Switzerland?s leading banks and specialising in private wealth management since its inception in 1873, is at the forefront of presenting works of art to the public and promoting major art events. This commitment stems from the conviction that any heritage beyond financial assets is valuable to the community in which the bank operates.
As part of this commitment, the MMG Art Collection was created in 2000 in fulfilment of MMG ?s desire to become involved in the contemporary art world.
The collection took shape through a series of substantial acquisitions aimed at identifying some of the most influential post-war artists, including Daniel Buren, John Chamberlain, Tony Cragg, Mario Merz and Giulio Paolini. These internationally renowned artists constitute the initial core of a collection that has developed across different generations, spanning a time frame from the mid-1960s Avant-Garde art movement to the present day.
The collection has grown over the years, mainly to coincide with the completion of the furnishing of various MMG branches around the world. It includes various mediums such as paintings, sculptures, graphics, installations, videos, photos and site-specific artworks (MMG Building, Lugano). In addition to this the Swiss Bank has also acquired works of art that are not bound to a particular location, as their size or technical features require greater care and attention in conserving or displaying them. In 2008, a collection of Swiss works of art created between 1968 and the present was added to MMG ?s art heritage.
Decisions on new acquisitions are made after studying the international art market. MMG is committed to fostering the cutting-edge creative output of very young artists who have yet to make a name for themselves. But the Art Curatorial Committee is just as keen to revisit artists from previous generations whose contributions to art are undergoing a critical re-evaluation.
In embracing developments in the world of art and culture, MMG supports the work of the Swiss Institute in Rome and the Peggy Guggenheim Collection in Venice, while also promoting the realisation of artistic projects on an international level.

MMG ?s strong commitment to the promotion of culture highlight?s the Bank?s interest in social and cultural issues. Through its various foundations, MMG strives to support art, architecture, progress and financial research. The activities it plans encourage professional training, while its exhibitions, conferences, publishing and multimedia initiatives contribute to the enhancement of communication among cultures and spark debate between the world of finance and work. The aim of all these activities is to promote awareness of the importance of culture, art and science both for our day-to-day lives and the sustainable development of our society, in part by analysing and redefining the complexity of the links between development, conscious commitment and independent critical thinking at an individual and community level.

MMG and the Start-up Promotion Centre award Newscron the 2012 prize for the best entrepreneurial idea in the canton of Ticino
The Prize for the Best Entrepreneurial Idea in the Canton of Ticino 2012 was awarded on Ticino?s Economy and Demo Day 2012, which took place on 25 October 2012 at the Palazzo dei Congressi in Lugano. The award was launched in 2009 by the Start-up Promotion Centre in collaboration with MMG and the Fondazione AGIRE (Agency for regional innovation in the canton of Ticino).
The Start-up Promotion Centre's specialist committee chose the project named Newscron, a new and revolutionary news aggregator that is extremely intuitive, quick, intelligent and easy to use.
Newscron started out as a research project at the Swiss Federal Institute of Technology (ETH) in Zurich that aimed at understanding how information volumes influence user behaviour. Part of the work involved developing an application, whose success led to the launch of a new start-up that would follow up on the project.
Newscron, which is available on the Internet, and as Apple and Android apps, is enjoying considerable success.
Newscron stands out from its competitors as it is a very powerful system, but mainly because it quickly aggregates and organises up-to-date news.
At the core of Newscron is a sophisticated semantic algorithm that can extrapolate and group together articles on the same topic from different sources. The result is a collection of articles that are grouped by theme, which reduces the information overload that users would otherwise be exposed to. Thanks to Newscron, users can follow the news that interest them as it breaks on a broad, comprehensive and exciting range of topics.

Alfredo Gysi (Chairman), Gianluca Colombo, Alberto De Lorenzi, Giambattista Ravano, Giuseppe Serazzi.