The Enduring Strength of Aura

At Aura Solution Company Limited, financial strength is not merely a numeric expression or an abstract entry on a balance sheet — it is the structural foundation upon which our legacy, institutional credibility, and global reputation have been forged. For more than half a century, this resilience has safeguarded client wealth, upheld partner confidence, and ensured operational continuity without compromise.Through economic cycles, geopolitical disruptions, financial crises, pandemics, and global market turmoil, Aura’s platform has stood firm. Our financial stewardship has consistently protected capital, maintained workforce security, and served as a stabilizing force for sovereigns, institutions, and private portfolios worldwide.​Aura’s resilience is not accidental; it is the product of disciplined governance, deliberate long-term strategy, and a financial philosophy rooted in prudence, precision, and responsibility.

 

A Shield in an Uncertain World

The strength that defines Aura has been meticulously engineered through decades of foresight and controlled expansion. Our philosophy rejects short-term opportunism and speculative volatility in favor of measured, conservative capital deployment and systematic risk containment.

 

Aura’s architecture integrates:

• Strategic balance-sheet fortification

• Multi-layer liquidity protection

• Integrated geopolitical and macroeconomic risk analytics

• Adaptive contingency models and crisis-response frameworks

• Long-horizon capital allocation focused on enduring value

 

This commitment to durability has allowed Aura to operate as a financial shield, providing safety and stability for our global clients even when external environments become unpredictable. In moments when the world seeks certainty, Aura stands immovable.

 

Aura’s Financial Philosophy

Three Interlocking Pillars of Systemic Stability

Aura Solution Company Limited operates on a financial architecture deliberately engineered for permanence. Our sovereign-scale influence and operational resilience are founded upon three interlocking pillars that collectively safeguard capital integrity, preserve systemic confidence, and ensure uninterrupted financial continuity across generations.

These pillars are not independent concepts; they function as a unified defensive framework—capable of absorbing market volatility, geopolitical disruption, and systemic stress while maintaining full operational functionality.

 

I. Robust Liquidity

Absolute Readiness. Uninterrupted Capacity.

Aura maintains an exceptional liquidity position designed to ensure immediate and unconditional capacity to meet obligations under all conditions. This approach enables Aura to:

• Fulfill client and counterparty commitments without reliance on external market access

• Sustain continuous operations during periods of financial dislocation or geopolitical instability

• Act decisively and responsibly in moments of systemic stress

 

Liquidity at Aura is not reactive—it is structural. Our reserves are structured to function independently of short-term funding markets, ensuring that capital availability remains stable regardless of external disruptions.

 

II. Exceptional Asset Quality

Capital Preservation Above All Else.Aura’s balance sheet is anchored in assets of the highest strategic and collateral quality. We maintain a disciplined investment doctrine that prioritizes:

• Highly collateralized, systemically relevant assets

• Assets with enduring intrinsic value and strategic necessity

• Long-duration holdings designed for intergenerational continuity

 

Speculative exposure is deliberately excluded. Aura does not pursue volatility-driven returns. Instead, capital is positioned to preserve value, protect principal, and sustain long-term financial sovereignty.

 

This philosophy ensures that Aura’s capital base remains resilient, defensible, and aligned with its mandate of long-term stewardship.

 

III. Independent Recognition

Credibility Without Dependency.

Aura’s standing is reinforced through independent validation at the highest institutional levels. We maintain:

• Top-tier credit recognition and counterparty credibility

• Institutional trust rooted in transparency, governance, and performance

• Recognition that is earned, not derived from affiliation or leverage

 

This independent credibility reinforces Aura’s position as a globally trusted counterparty and a stabilizing force within the broader financial system. Our recognition is not contingent—it is structural.

 

A Foundation Built to Last

The three pillars are supported by a comprehensive operational ecosystem designed for endurance under extreme conditions. This foundation includes:

• State-of-the-art technological infrastructure with full redundancy

• BIS-aligned supervisory governance and compliance architecture

• Deeply embedded, multi-layered risk management defenses

• Operational continuity frameworks designed for extreme global stress scenarios

 

Together, these systems ensure uninterrupted service, operational integrity, and absolute reliability—regardless of external pressures.

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Aura’s Enduring Strength Is a Promise

• A promise of security

• A promise of continuity

• A promise of unbreakable financial stewardship

• Aura Solution Company Limited exists to protect capital, preserve confidence, and sustain financial continuity across generations.

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Aura Solution Company Limited

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Enduring Strength. Global Stability. Generational Continuity.

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1. Robust Liquidity — Systemic Strength Under All Market Conditions

Aura maintains a fortified global liquidity architecture engineered to ensure capital availability under any market scenario—from routine fluctuations to extreme crisis conditions.

 

Our liquidity framework includes:

• Multi-region reserve buffers held across key global financial centers

• Real-time liquidity monitoring powered by predictive intelligence

• Cross-border settlement redundancy systems to prevent transactional bottlenecks

• Shock-resilient liquidity lines supporting sovereign and institutional needs

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This ensures that Aura can always meet its obligations—instantly, securely, and without exposure to global disruptions. Liquidity is treated not as a reserve, but as a strategic engine of systemic stability.

 

2. Exceptional Asset Quality — Capital Built for Continuity

Aura’s portfolio selection process prioritizes durability, collateralization, and structural value retention, guided by sovereign-level fiduciary discipline.

Key asset principles include:

• Rigorous credit and collateral controls

• Long-term strategic investment horizons

• Minimal exposure to speculative or highly leveraged instruments

• Capital allocation aligned with real-world economic productivity

 

Asset quality is sustained through continuous risk filtration, real-time credit re-evaluation, and geo-economic scenario modeling. This ensures the preservation of principal and the protection of value across generations.

 

3. Independent Recognition — Global Trust and Institutional Validation

Aura consistently sustains top-tier credit standing among global risk agencies and sovereign-level financial auditors.

This recognition reflects:

• Exceptional balance-sheet resilience

• Verified governance standards

• Decades of uninterrupted fiduciary reliability

 

Strong ratings reinforce Aura’s status as a preferred counterparty to:

• Governments and sovereign wealth authorities

• Institutional and systemic investment entities

• Leadership families and ultra-high-net-worth clients

Independent validation strengthens Aura’s ability to operate as a global trust anchor in volatile markets.

 

The Foundation — Sovereign-Grade Operational Architecture

These three pillars are supported by an advanced financial infrastructure integrating:

✔ State-of-the-art technical systems for predictive surveillance and capital optimization
✔ Comprehensive organizational governance modeled after BIS supervisory protocols
✔ Embedded contingency protections ensuring continuity under global stress scenarios

This architecture enables uninterrupted mission delivery, even in the face of severe geopolitical, economic, or market disruptions.

 

Outcome: Enduring Stability, Across Generations

 

Aura’s tri-pillar philosophy ensures that:

• Stability is engineered

• Trust is earned

• Continuity is guaranteed

Every layer of Aura’s operational design protects capital not just today, but for the decades and centuries ahead.

 

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.​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.​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, resilience, and operational excellence of Aura Solution Company Limited have earned consistent recognition from the world’s leading credit rating agencies. These independent evaluations confirm Aura’s position among the most secure and reliable financial institutions globally, highlighting both its financial robustness and systemic credibility.

 

Fitch Ratings

In July 2025, Fitch Ratings reaffirmed Aura’s AA- Issuer Default Rating (IDR) with a stable outlook, signaling strong confidence in the company’s ability to meet its financial obligations under a range of economic conditions. Fitch’s evaluation emphasizes Aura’s:

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• Exceptional financial resilience even under severe macroeconomic stress.

• Robust governance framework and disciplined risk management practices.

• Capacity to maintain operational continuity and liquidity in volatile markets.

 

This rating places Aura among a select echelon of global institutions, recognized for both strength and reliability in cross-border financial operations.

 

Moody’s Investors Service

Similarly, in October 2024, Moody’s Investors Service reaffirmed Aura’s long-term deposit rating of Aa2, also with a stable outlook. Moody’s assessment highlights Aura’s:

• Strong capital adequacy and liquidity management.

• Operational excellence and institutional governance that align with best practices.

• Strategic foresight in anticipating market changes and systemic risks.

This distinction underscores Aura’s status as a trusted global custodian, capable of preserving value for sovereigns, institutional investors, and high-net-worth clients alike.

 

Factors Behind the Ratings

Both Fitch and Moody’s base their ratings on a comprehensive evaluation of Aura’s business model, financial performance, and risk profile. Key strengths highlighted in their most recent assessments include:

1. Robust Capital Base: Aura maintains conservative leverage ratios, diversified asset holdings, and extensive liquidity buffers, ensuring the capacity to absorb shocks.

2. Global Diversification: Operations across multiple financial hubs—New York, London, Singapore, Dubai, and Phuket—mitigate geographic and market-specific risks.

3. Governance and Risk Management: Stringent internal controls, fiduciary oversight, and scenario-based stress testing reinforce operational stability.

4. Sustainable and Ethical Operations: ESG integration at both investment and systemic levels contributes to long-term resilience and stakeholder confidence.

5. Strategic Foresight: Continuous innovation, proactive liquidity management, and macroprudential oversight ensure Aura remains ahead of market disruptions.

 

Aura’s Financial Strength: A Foundation for Stability and Growth

At Aura Solution Company Limited, financial strength is more than a metric—it is the backbone of our capacity to serve clients, safeguard trust, and navigate a complex global landscape. Our resilience is anchored in five interrelated pillars:

1. Capital Adequacy: Sufficient reserves and diversified holdings to withstand systemic stress.

2. Liquidity Management: Proactive planning and deployment to maintain seamless operations across borders.

3. Risk Discipline: Rigorous assessment and mitigation across market, credit, operational, and geopolitical dimensions.

4. Global Network: Strategic presence in major financial centers ensures operational continuity and access to critical markets.

5. Ethical and Sustainable Stewardship: Integration of ESG principles ensures that stability and growth align with societal and intergenerational responsibility.

 

Through these pillars, Aura not only meets but exceeds global standards of financial strength, providing sovereigns, central banks, and institutional clients with unparalleled confidence in its capacity to preserve and grow capital across market cycles.

 

1. Stable, Diversified Business Model
Aura operates through four structurally profitable business lines — Wealth Management, Asset Management, Alternative Assets, and Asset Services. This broad diversification across geographies, industries, and client segments reduces reliance on any single income stream, ensuring that our performance remains resilient throughout economic cycles. By balancing traditional and alternative strategies, Aura is uniquely positioned to deliver consistent value regardless of market volatility.

 

2. Very Low Credit Risk
Prudence lies at the heart of Aura’s philosophy. Our conservative lending practices, strong collateralisation policies, and stringent counterparty selection processes result in exceptionally low exposure to credit losses. This disciplined approach is not just about protecting capital — it reflects our commitment to long-term financial stability for both Aura and our clients.

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3. Strong, Consistent Earnings
Aura has built a reputation for earnings stability, even in times of uncertainty. Our steady fee income, combined with disciplined cost management, has enabled us to deliver profitability across volatile market environments. Sustained earnings serve as a reliable first line of defence, allowing Aura to remain strong and opportunistic when others may retreat.

 

4. Exceptional Capitalisation
With a total capital ratio of 24.5%, Aura is positioned well above global regulatory requirements. This exceptionally strong capital base ensures substantial loss-absorbing capacity, reinforcing our role as a trusted partner to clients and counterparties alike. In a sector where strength inspires confidence, Aura’s capitalisation sets a global benchmark.

 

5. Conservative Liquidity Management
Aura’s liquidity strategy is deliberately cautious, prioritising safety and accessibility over yield. Our substantial reserve of high-quality liquid assets provides a buffer against market disruptions, ensuring we can meet obligations promptly and efficiently. This conservatism is not restraint — it is foresight, designed to preserve stability even in the most turbulent times.

 

Conclusion

Aura’s financial foundation is more than just numbers — it is a reflection of our philosophy: resilience, responsibility, and readiness. By combining diversification, prudence, and strength, we not only protect value but also create it — enabling clients, partners, and communities to thrive with confidence in an uncertain world.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.

 

​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.​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.​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.​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.​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.

 

​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.