{"database": "bankproducts", "table": "product_feature", "is_view": false, "human_description_en": "where product_id = \"scobag:vermoegensverwaltung\"", "rows": [["scobag:vermoegensverwaltung:pf:atom_274_23rd", "scobag:vermoegensverwaltung", "pricing_condition", "Atom #274 23rd instance \u2014 Basel Family Banking", "Scobag Privatbank AG is the 23rd CH UHNW classical tailored instance. Founded 1968 in Basel. Among the younger atom #274 instances (after Trafina 2011 and Z\u00e4hringer 2015). \"Konsequent famili\u00e4r\" \u2014 explicit anti-product anti-anonymous positioning. Bank-side tailored per FINSA Art. 31 opt-out.", null], ["scobag:vermoegensverwaltung:pf:extraordinary_capital_ratios", "scobag:vermoegensverwaltung", "pricing_condition", "Extraordinary capital ratios \u2014 Tier 1 ratio 66.6% (9x regulatory minimum)", "Gesch\u00e4ftsbericht 2024 reports: Tier 1 ratio 66.6% (vs 10.5% required). Eigene Mittel CHF 121.2 Mio. against CHF 901 Mio. Bilanzsumme. Reserven f\u00fcr allgemeine Bankrisiken CHF 76.5 Mio. (+CHF 8.1 Mio. in 2024). This is deliberately over-capitalized \u2014 typical of conservative family-owned private banks (Baumann, Maerki, Dreyfus). The 9x ratio gives Scobag enormous safety buffer for client deposits and the credit book.", null], ["scobag:vermoegensverwaltung:pf:high_dividend_low_share_count", "scobag:vermoegensverwaltung", "pricing_condition", "CHF 1,100 dividend per share \u2014 highly-restricted family share structure", "Gesch\u00e4ftsbericht 2024 announces dividend CHF 1,100 per share. The high absolute amount indicates a highly-restricted family share structure (likely <10,000 shares outstanding). Typical of pre-1990 Swiss private banks structured as closely-held AGs (similar to Baumann, Maerki). Distinguishes from listed-bank cohort with normalized CHF 1-50 dividends.", null], ["scobag:vermoegensverwaltung:pf:seven_grundprinzipien", "scobag:vermoegensverwaltung", "pricing_condition", "Seven Grundprinzipien \u2014 Wertorientierung first", "Scobag publishes seven investment principles in order: Wertorientierung (value), Unabh\u00e4ngigkeit (independence), Einfachheit (simplicity), Qualit\u00e4t (quality), Liquidit\u00e4t (liquidity), aktives Handeln (active management), Nachhaltigkeit (sustainability). Wertorientierung first \u2014 explicit anti-passive/anti-momentum positioning. Order rare in CH UHNW classical cohort which typically leads with Unabh\u00e4ngigkeit or Diskretion.", null]], "truncated": false, "filtered_table_rows_count": 4, "expanded_columns": [], "expandable_columns": [[{"column": "product_id", "other_table": "product", "other_column": "id"}, "name"]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, product_id, feature_key, feature_value, note, source_page from product_feature where \"product_id\" = :p0 order by id limit 101", "params": {"p0": "scobag:vermoegensverwaltung"}}, "facet_results": {}, "suggested_facets": [], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 10.802028000057362, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}