{"database": "bankproducts", "table": "product", "is_view": false, "human_description_en": "where bank_id = \"scobag\" sorted by bank_id descending", "rows": [["scobag:vermoegensverwaltung", "scobag", "wealth_management", "Verm\u00f6gensverwaltung (Wealth & Asset Management)", "CHF", "private", "wealthy", "Scobag flagship discretionary asset management. Seven investment principles: Wertorientierung, Unabh\u00e4ngigkeit, Einfachheit, Qualit\u00e4t, Liquidit\u00e4t, aktives Handeln, Nachhaltigkeit. Direct-equity selection emphasis. ESG integration. Quote: \"Bei der Scobag wird niemand mit fertigen Produkten abgespeist, sondern mit individuellen Dienstleistungen ganzheitlich betreut.\" Atom #274 23rd instance: pricing tailored, no published bank-side fee schedule.", null, null, "BPG0031KQ95M", "pro", 1, null, null], ["scobag:anlageberatung", "scobag", "personal_advisory", "Anlageberatung (Investment Advisory)", "CHF", "private", "wealthy", "Investment advisory for clients who manage their own assets but want Scobag's investment expertise. Same 7 Grundprinzipien framework. Regular Anlagebrief publications (latest April 2026). Lower-touch than full mandate; tailored fee structure.", null, null, "BPG00347GW85", "pro", 1, null, null], ["scobag:family_banking", "scobag", "wealth_management", "Family Banking \u2014 multi-generational private banking", "CHF", "private", "wealthy", "Scobag's signature service line. Multi-generational wealth planning for private individuals, families, and gemeinn\u00fctzige Stiftungen (charitable foundations). Long-term client relationships. Includes Nachfolge- und Nachlassberatung (succession + inheritance), Pensionierungsplanung, Steuern (tax advisory), Stiftungen + Gesellschaften. Quote: \"Family Banking heisst Pers\u00f6nlich und verantwortungsvoll \u2014 gut f\u00fcr Sie und Ihr Guthaben.\" Tailored across all sub-services.", null, null, "BPG0037HJ6ZY", "pro", 1, null, null], ["scobag:stiftungskompetenz", "scobag", "wealth_management", "Stiftungskompetenz (Foundation administration)", "CHF", "business", "wealthy", "Foundation administration competence \u2014 distinct service line for gemeinn\u00fctzige Stiftungen (charitable foundations) and operating/investment foundations. \"Das M\u00e4zenatentum geh\u00f6rt zu Basel\" \u2014 Scobag invokes Basel's strong philanthropic tradition. Services: Verm\u00f6gensverwaltung der Stiftung, Gr\u00fcndung, Verwaltung. Tailored pricing.", null, null, "BPG0035MAWR2", "pro", 1, null, null], ["scobag:vorsorge_3a_direktinvest", "scobag", "pension_account", "Scobag 3a Direktinvest \u2014 S\u00e4ule 3a Direktanlagen", "CHF", "private", "standard", "Pillar 3a private retirement product via Stiftung Scobag 3a Direktinvest (separate legal foundation under OAK BV oversight). Three strategies: Ausgewogen (max 40% equities), Dynamisch (max 60%), Aktienstrategie (max 100% equities). Quote: \"Die Scobag investiert bei der S\u00e4ule 3a aus \u00dcberzeugung vorwiegend in Direktanlagen.\" Avoids fund-of-funds collective vehicles in favour of direct equity selection \u2014 claimed cost advantage. PUBLISHED Geb\u00fchrenreglement: 0.60% all-in (asset mgmt + custody) + 0.30% Stiftungsadministration = 0.90% total all-in. Max contributions 2026: CHF 7,258 with PK, CHF 36,288 without PK.", null, null, "BPG0038Z5WXM", "free", 0, null, null], ["scobag:freizuegigkeit", "scobag", "pension_account", "Scobag Freiz\u00fcgigkeit \u2014 Pillar 2 vested-benefits account", "CHF", "private", "standard", "Freiz\u00fcgigkeitskonto/-depot for Pillar 2 vested benefits (assets between employers or after early exit from occupational pension). Long-term investment using same direct-investment philosophy. Tailored pricing (no published schedule for this product).", null, null, "BPG0039H1HPG", "free", 1, null, null], ["scobag:1e_kadervorsorge", "scobag", "pension_account", "Scobag 1e-Kadervorsorgel\u00f6sung \u2014 executive supplementary pension", "CHF", "business", "wealthy", "BVG 1e occupational pension solution for income above CHF 136,080 (1.5x BVG-Maximallohn). For Unternehmer/Selbst\u00e4ndigerwerbende/Kadermitarbeitende. Self-directed investment strategy per person (Anlagerendite wird 1:1 dem Vorsorgekapital zugerechnet). Allows tax-optimized supplementary pension contributions. Tailored pricing per company plan.", null, null, "BPG0031BXVSD", "free", 1, null, null], ["scobag:check_up_vorsorge", "scobag", "personal_advisory", "Check-up Vorsorgeverm\u00f6gen \u2014 pension-assets review", "CHF", "private", "wealthy", "Holistic review of pension assets (Pillar 1 AHV + Pillar 2 BVG + Pillar 3a/3b) including optimization recommendations. Project-fee model typical.", null, null, "BPG00335XPYK", "pro", 1, null, null], ["scobag:custody", "scobag", "securities_trading", "Depot (Custody account)", "CHF", "private", "wealthy", "Securities custody account underlying all mandates. Bundled within Verm\u00f6gensverwaltung pricing. esisuisse deposit-insurance protection.", null, null, "BPG0031SMY4D", "pro", 1, null, null], ["scobag:lombardkredit", "scobag", "mortgage", "Lombardkredit (securities-backed loan)", "CHF", "private", "wealthy", "Securities-backed lending. Gesch\u00e4ftsbericht 2024 reports CHF 75.5 Mio. of lombard credit on the balance sheet (of CHF 79.7 Mio. total Forderungen gegen\u00fcber Kunden). Tailored conditions per client.", null, null, "BPG003RAGDHJ", "pro", 1, null, null]], "truncated": false, "filtered_table_rows_count": 10, "expanded_columns": [], "expandable_columns": [[{"column": "source_document_id", "other_table": "source_document", "other_column": "id"}, "title"], [{"column": "bank_id", "other_table": "bank", "other_column": "id"}, "name"]], "columns": ["id", "bank_id", "category", "name", "currency", "client_type", "target_group", "description", "valid_from", "source_document_id", "bpg", "access_tier", "is_tailored", "notice_period_days", "iso_account_type"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, bank_id, category, name, currency, client_type, target_group, description, valid_from, source_document_id, bpg, access_tier, is_tailored, notice_period_days, iso_account_type from product where \"bank_id\" = :p0 order by bank_id desc limit 101", "params": {"p0": "scobag"}}, "facet_results": {}, "suggested_facets": [{"name": "category", "toggle_url": "http://api.bankproducts.info/bankproducts/product.json?bank_id=scobag&_facet=category"}, {"name": "client_type", "toggle_url": "http://api.bankproducts.info/bankproducts/product.json?bank_id=scobag&_facet=client_type"}, {"name": "target_group", "toggle_url": "http://api.bankproducts.info/bankproducts/product.json?bank_id=scobag&_facet=target_group"}, {"name": "access_tier", "toggle_url": "http://api.bankproducts.info/bankproducts/product.json?bank_id=scobag&_facet=access_tier"}, {"name": "is_tailored", "toggle_url": "http://api.bankproducts.info/bankproducts/product.json?bank_id=scobag&_facet=is_tailored"}], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 25.68012900002259, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}