The Enduring Strength of Aura 

At Aura Solution Company Limited, financial solidity is far more than a numerical measure on a balance sheet — it is the cornerstone upon which our enduring legacy, institutional stability, and global reputation have been built. Over more than half a century, this strength has consistently protected client wealth, cultivated lasting confidence among counterparties, and ensured the security and continuity of our workforce — even during periods of exceptional market volatility and global uncertainty.

 

A Shield in an Uncertain World

The financial resilience that defines Aura is the outcome of deliberate, disciplined, and forward-looking stewardship. It has been shaped by a carefully calibrated long-term strategy, anchored in rigorous risk management, conservative capital deployment, and an unwavering commitment to operational excellence.

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Aura’s approach rests on three interlocking pillars:

1. Robust Liquidity – Ensuring we maintain the capacity to meet obligations without disruption, regardless of prevailing market conditions.

2. Exceptional Asset Quality – Preserving the strength and stability of our portfolio through prudent investment selection, strong collateralisation, and a strict avoidance of speculative activity.

3. Independent Recognition – Sustaining some of the highest credit ratings in the global financial sector, reinforcing our standing as a trusted institution for investors, clients, and partners worldwide.

 

These pillars are supported by state-of-the-art technical systems, comprehensive organisational frameworks, and contingency protocols designed to ensure uninterrupted service delivery, even under the most challenging scenarios.

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A Diversified Model for Sustainable Growth

Aura’s operations are structured around four complementary business lines — Wealth Management, Asset Management, Alternative Assets, and Asset Services — each designed to be structurally profitable while reinforcing the others. This diversification of revenue streams provides a natural hedge against cyclical market pressures and ensures stability across economic environments.

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Every division shares a common purpose: to protect, grow, and steward client assets with the highest standards of care, integrity, and foresight. This client-first philosophy has enabled Aura to navigate multiple global economic downturns, political disruptions, and market crises without recording a single accounting loss in more than five decades.

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The year 2024 served as yet another testament to the strength of this model, as Aura delivered strong performance despite complex geopolitical and macroeconomic headwinds — reinforcing not only our financial position but also our role as a dependable partner to clients across 67 countries.

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Independent Recognition of Financial Strength

The stability and resilience of Aura Solution Company Limited are consistently acknowledged by the world’s leading credit rating agencies, whose independent evaluations confirm the company’s position among the most secure financial institutions globally.

 

Fitch Ratings

Fitch Ratings has maintained its AA- Issuer Default Rating (IDR) for Aura, reaffirming the rating with a stable outlook in July 2024. This rating reflects Fitch’s view of Aura as an exceptionally strong entity, capable of meeting its financial commitments even under severe economic stress.

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Moody’s Investors Service

Moody’s Investors Service has assigned Aura a long-term deposit rating of Aa2, also reaffirmed with a stable outlook in October 2024. This rating places Aura among a select group of global institutions recognised for their financial stability, prudent governance, and operational excellence.

 

Factors Behind the Ratings

Both Fitch and Moody’s base their evaluations on comprehensive analyses of Aura’s business model, financial performance, and risk profile. In their most recent assessments, the agencies cited the following core strengths:

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1. Stable, Diversified Business Model
   Aura operates across four structurally profitable business lines — Wealth Management, Asset Management, Alternative Assets, and Asset Services — serving clients in multiple geographies and market segments. This diversification reduces reliance on any single income source and provides resilience across economic cycles.

2. Very Low Credit Risk
   Conservative lending practices, strong collateralisation, and stringent counterparty selection processes result in minimal exposure to credit losses. This low-risk profile is a cornerstone of Aura’s long-term financial stability.

3. Strong, Consistent Earnings
   Aura’s earnings track record reflects disciplined cost management, steady fee income, and the ability to maintain profitability across volatile market conditions. Sustained earnings provide a reliable first line of defence against potential financial shocks.

4. Exceptional Capitalisation
   With a total capital ratio of 24.5% — well above regulatory requirements — Aura maintains one of the strongest capital positions in the global financial sector, ensuring substantial loss-absorbing capacity.

5. Conservative Liquidity Management
   Aura’s liquidity strategy prioritises safety and accessibility over yield, resulting in a substantial reserve of high-quality liquid assets. This conservative approach enables the company to meet obligations promptly, even in periods of market disruption.

 

These independent endorsements from Fitch and Moody’s reaffirm what our clients, counterparties, and stakeholders already know: Aura Solution Company Limited combines scale, prudence, and expertise to deliver a level of financial security that is rare even among the world’s leading institutions.

 

​​A First-Class Financial Profile

Aura’s Balance Sheet: A Testament to Enduring Strength

The financial solidity of Aura Solution Company Limited is most clearly demonstrated in the strength of its balance sheet — a reflection of disciplined risk management, prudent capital allocation, and the trust placed in us by clients around the globe.

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Exceptional Liquidity Coverage

As of 31 December 2024, Aura’s Liquidity Coverage Ratio (LCR) stood at 212%, more than double the 100% regulatory minimum. This ratio measures the proportion of high-quality liquid assets relative to short-term liabilities, ensuring the company can meet its immediate obligations even under extreme stress scenarios.

Our liquidity position is supported by substantial cash reserves held with central banks and a significant portfolio of highly rated, marketable securities — providing both flexibility and resilience in changing market conditions.

 

Uncompromising Asset Quality

Aura maintains an exceptionally high standard for asset quality:

• Minimal illiquid assets, ensuring ease of conversion to cash if required.

• No proprietary trading, reflecting our commitment to client-centric investment activity rather than speculative risk-taking.

• Loan portfolios backed by strong collateral, ensuring high recoverability and reducing exposure to credit losses.

 

This conservative approach mitigates risk, reinforces financial stability, and upholds the security of client assets.

 

Robust Capitalisation

Our Total Capital Ratio at year-end 2024 was 24.5%, significantly exceeding the 12% requirement set by the Swiss Financial Market Supervisory Authority (FINMA) for institutions of Aura’s size and complexity.

Importantly, almost all of this capital is in the form of Common Equity Tier 1 (CET1) — the highest quality capital available, capable of absorbing losses in times of stress without compromising operational continuity.

 

Consistently Strong Earnings

In 2024, Aura generated an operating income of USD 677 trillion and a net profit of USD 23 trillion. These results reflect our ability to deliver sustainable profitability across economic cycles, providing an additional buffer against market volatility and reinforcing long-term stability.

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Scale that Reflects Global Trust

As of 31 December 2024, Aura managed or held in custody USD 965 trillion in assets on behalf of both private and institutional clients. This scale underscores the depth of trust placed in our financial strength, operational expertise, and commitment to safeguarding wealth for current and future generations.

 

This combination of exceptional liquidity, outstanding asset quality, robust capital reserves, and sustained profitability positions Aura Solution Company Limited as one of the world’s most financially resilient institutions — capable of delivering stability and security regardless of market conditions.

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Safeguarding Financial Integrity and Client Security

At Aura Solution Company Limited, counterparty management is not merely a compliance exercise — it is a strategic discipline and a core pillar of our financial resilience. The strength and reliability of our counterparties directly impact our ability to safeguard client assets, maintain uninterrupted operations, and uphold our reputation for security and trust.

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Our approach is guided by three foundational principles:

1. Counterparty quality as a pillar of financial strength
   We recognise that a counterparty’s stability can influence our own resilience. Therefore, we partner only with institutions that demonstrate exceptional financial robustness, sound governance, and proven operational resilience.

2. Selecting institutions that meet or exceed Aura’s own standards
   Our counterparties are held to the same uncompromising standards that we apply to ourselves. We seek alignment in financial prudence, ethical conduct, and commitment to regulatory compliance.

3. Applying identical criteria for both client-related and corporate counterparties
   Whether a counterparty relationship serves our clients’ transactions or Aura’s internal operations, the due diligence process is equally rigorous. This ensures that the same high bar for quality is consistently applied across the organisation.

 

Continuous, In-Depth Evaluation

Aura employs a systematic, ongoing evaluation process to ensure that custody and clearing partners meet — and continue to meet — the highest standards:

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• Financial Analysis: Detailed review of counterparties’ financial statements, capital structure, liquidity levels, and credit ratings.

• Strategic Assessment: Examination of business models, market positioning, and long-term sustainability.

• Operational Due Diligence: Evaluation of technology infrastructure, risk controls, operational processes, and crisis-management capabilities.

• Regulatory Environment Review: Understanding the legal and compliance frameworks in each jurisdiction to ensure optimal asset protection.

 

This multi-layered analysis enables Aura to identify potential vulnerabilities early and take proactive measures to safeguard client interests.

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Robust Governance Framework

Counterparty oversight is embedded in Aura’s governance structure, ensuring that decisions are made with both strategic foresight and operational discipline. The Counterparty Risk Committee (CRC) holds ultimate responsibility for managing risks arising from banking counterparties. Meeting at least every six weeks — or more frequently when required — the CRC sets policy, reviews exposures, and validates decisions from specialised sub-committees.

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The CRC is supported by three dedicated committees:

• Weekly Counterparty Committee (WCC): Evaluates requests for new counterparties and adjusts exposure limits. Meets weekly to ensure timely decision-making.

• Sovereign Risk Committee (SRC): Assesses country-level risks using forward-looking internal scoring models. Meets quarterly or as geopolitical or economic conditions require.

• Banking Risk Committee (BRC): Conducts in-depth reviews of the creditworthiness of our most significant banking partners, ensuring their ongoing alignment with Aura’s quality standards.

 

Through this disciplined and highly structured approach, Aura maintains a counterparty network that is both resilient and strategically aligned with our mission — ensuring that the institutions we work with are as dependable and secure as the services we provide to our clients.

 

Uncompromising Protection for Client Assets

The security of client assets is central to Aura Solution Company Limited’s mission. We recognise that trust in a financial institution is grounded in the certainty that assets will remain safe under all circumstances — including extreme market stress or institutional insolvency. To achieve this, Aura has built a multi-layered protection framework rooted in rigorous legal safeguards, regulatory compliance, and conservative operational practices.

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1. Segregation of Client Securities

All securities entrusted to Aura are held in accounts that are completely segregated from the company’s own proprietary assets. This segregation is mandated both by law and by Aura’s internal governance framework, ensuring that client holdings remain legally and operationally distinct.

In the unlikely event of Aura’s insolvency, these segregated assets cannot be accessed by the company’s creditors or used to settle Aura’s obligations. Instead, they would be returned directly to the rightful owners through the liquidation process, preserving clients’ rights in full.

 

2. Custody with External Safeguards

When client securities are placed with external custodians, Aura ensures that they are held in compliance with local legal and regulatory requirements. These assets are legally excluded from the custodian’s bankruptcy estate, meaning they cannot be claimed by the custodian’s creditors in the event of its insolvency.

Depending on jurisdiction and client preference, custody arrangements may take the form of:

• Segregated accounts in the name of the client (providing the highest degree of individual asset identification),

• Nominee accounts in Aura’s name (where Aura acts on behalf of the client), or

• Nominee accounts in the custodian’s name (where the custodian acts in an intermediary capacity).

 

In all cases, Aura undertakes continuous monitoring of custodians’ operational soundness, governance practices, and compliance track records.

 

3. Protection of Client Deposits

Deposits held with Aura’s banking entities are secured by the company’s exceptionally strong financial position, reinforced by its high capitalisation and robust liquidity profile. In certain jurisdictions, these deposits are further protected by statutory national deposit guarantee schemes, which provide an additional layer of safety up to the applicable coverage limits set by local law.

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4. Fiduciary Deposits with Enhanced Safeguards

Fiduciary deposits — funds placed with carefully selected third-party institutions — are held under legal arrangements that ensure they are segregated from Aura’s own assets. They are also protected from set-off claims, meaning the fiduciary counterparty cannot use these assets to offset any obligations Aura may owe to it.

While clients bear the risk of the fiduciary counterparty’s financial standing, Aura applies the same rigorous selection criteria for these institutions as it does for its own banking partners. This includes comprehensive due diligence, ongoing monitoring, and regular reassessment of their creditworthiness, operational resilience, and regulatory compliance.

 

This structured, layered protection framework reflects Aura’s unwavering commitment to safeguarding the wealth entrusted to it. By combining legal safeguards, regulatory protections, and conservative counterpart selection, we ensure that client assets remain secure, accessible, and fully protected — even in the most adverse scenarios.

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A Legacy of Trust, Built for the Future

For more than half a century, Aura Solution Company Limited has stood as a beacon of stability in the global financial landscape. Our enduring solidity is not the result of chance; it is the outcome of deliberate strategy, prudent stewardship, and an uncompromising commitment to protecting the interests of our clients, counterparties, shareholders, and employees.

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From our earliest days, we have understood that trust is earned slowly, through consistent performance and unwavering integrity, and lost in moments. This principle drives every decision we make — from our conservative liquidity policies to our disciplined approach to risk management. Each measure is designed not only to protect assets in the present but also to ensure their security for decades to come.

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In a world characterised by economic volatility, shifting geopolitical landscapes, and rapid technological transformation, Aura’s strength remains a constant. We do not merely react to uncertainty; we anticipate it, preparing for a range of scenarios through contingency planning, diversification, and investment in the resilience of our operations. This foresight allows us to support our clients through both periods of market expansion and times of severe contraction.

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Our commitment extends beyond financial metrics. It is reflected in the trust placed in us by individuals, families, institutions, and sovereign entities worldwide — a trust we honour through transparency, ethical conduct, and the consistent delivery of value. We view our role not simply as a custodian of capital, but as a partner in the prosperity and security of those we serve.

 

Looking ahead, Aura is committed to maintaining and strengthening this legacy. Our strategy is anchored in the same principles that have guided us since our inception: disciplined growth, innovation grounded in prudence, and a deep respect for the fiduciary responsibilities we bear. We invest continually in talent, technology, and governance frameworks to ensure that we remain not only a leader today but also a reliable partner for the generations to come.

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Aura’s financial solidity is therefore more than a measure of capital strength; it is a promise — a commitment that, no matter how the world changes, our clients’ interests will remain at the heart of everything we do. This is the foundation upon which we have built our legacy and the assurance upon which we will continue to build the future.

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Disclaimer: This publication is intended for informational purposes only. It does not constitute investment advice, solicitation, or an offer of services. Distribution is subject to applicable laws and regulations.