{"database": "bankproducts", "table": "product", "rows": [["pcb:wealth_management", "pcb", "wealth_management", "PCB Family Office + Wealth Consolidation", "CHF", "private", "wealthy", "PCB Private Client Bank's sole publicly-visible service line \u2014 an \"Investment Office Bank\" for ultra-high-net-worth families. Core offering is multi-custodian consolidation across Swiss and foreign depot banks (\"Bei uns laufen die Faeden zusammen\"), not in-house discretionary asset management. PCB explicitly positions as adviser, not product-seller: \"Wir verstehen uns als Berater und nicht als Verkaeufer von Anlageprodukten.\" Honorare are fixed (and optionally performance-linked), transparent, and explicitly non-transaction-based \u2014 eliminating churn incentives. Scope spans pure administration, portfolio management, succession planning, and tax/legal coordination via a network of external specialists. Founded 1998, owned by Swiss and German entrepreneur families (\"eine Bank von Familien fuer Familien\"). VR-Praesident Dr. Konrad Hummler (former managing partner Wegelin & Co.) anchors the bank in classical Swiss private-banking lineage. CEO Dr. Ivan Adamovich. Distinguishing editorial signature: quarterly \"Private Client Letter\" \u2014 thematic macroeconomic essays (rate regimes, commodities, cybersecurity) authored personally by Adamovich (IA) and Hummler (KH). Atom #274 23rd-or-next-numbered instance \u2014 Zurich UHNW with editorial-letter sub-pattern. Tariffs negotiated per family-office mandate; no public price schedule.", null, null, "BPG003HG7ZF9", "pro", 1, null, null]], "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"], "primary_key_values": ["pcb:wealth_management"], "units": {}, "query_ms": 1.3962030000129744, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}