{"database": "bankproducts", "table": "product_feature", "is_view": false, "human_description_en": "where product_id = \"ubp:vermoegensverwaltung\"", "rows": [["ubp:vermoegensverwaltung:pf:de_picciotto_family", "ubp:vermoegensverwaltung", "pricing_condition", "Family-owned (de Picciotto family since 1969, 3rd generation)", "UBP founded 1969 by Edgar de Picciotto. Still family-owned today (3rd generation Daniel and Anne-Marie de Picciotto). AUM ~CHF 150B (2024) \u2014 one of the largest privately-owned Swiss banks. Editorial: size + family-ownership does NOT push toward transparency. UBP follows canonical tailored posture despite cohort-leading AUM.", null], ["ubp:vermoegensverwaltung:pf:finsa_optout", "ubp:vermoegensverwaltung", "pricing_condition", "FINSA Art. 31 professional-client opt-out -> tailored posture", "18th instance of CH UHNW classical cohort. 17 tailored + 1 published (Reichmuth) before this load; UBP is the 17th tailored cohort member (18 total with Reichmuth = 17:1 tailored:published).", null], ["ubp:vermoegensverwaltung:pf:four_non_ch_branches_publish", "ubp:vermoegensverwaltung", "pricing_condition", "FOUR non-CH branches publish complete fee schedules \u2014 canonical atom #274 evidence", "UBP (Europe) S.A. Luxembourg (covers Portugal too) publishes \"U Asset Allocation Mandate 0.70% all-in p.a.\" (Conservative/Enhancement/Balanced/Dynamic) + EUR 300/quarter service fee. UBP Monaco publishes separate Advisory + Execution-only schedules. UBP (UK) London publishes 15-page Services & Fees schedule (FCA-regulated). UBP HK Branch publishes financial disclosure (Chinese). Same group brand, four jurisdictions, four published schedules. CH parent publishes nothing comparable. This is the canonical \"non-CH publishes, CH tailors\" pattern in its purest form within one banking group. Quotable in the LI-vs-CH blog.", null], ["ubp:vermoegensverwaltung:pf:multi_regulator_coverage", "ubp:vermoegensverwaltung", "pricing_condition", "Atom #274 cross-jurisdiction generalisation now spans 4+ regulators", "After UBP load: published schedules at UBP non-CH entities cover MiFID II (Luxembourg + Portugal), CSSF-style (Monaco), FCA (London), SFC (HK Branch). Atom #274 thesis \"any non-Swiss disclosure regime forces publication\" now backed by 4 distinct regulators (MiFID II / CSSF / FCA / SFC). Plus Safra Sarasin's MAS Singapore = 5. The pattern is no longer EU-specific; it's global.", null], ["ubp:vermoegensverwaltung:pf:sg_acquisition_2025", "ubp:vermoegensverwaltung", "pricing_condition", "Soci\u00e9t\u00e9 G\u00e9n\u00e9rale acquisition (Q1 2025) \u2014 major industry consolidation", "UBP announced acquisition of Soci\u00e9t\u00e9 G\u00e9n\u00e9rale Private Banking Suisse + SG Kleinwort Hambros (UK + Channel Islands). Both transactions to complete by end of Q1 2025. Adds significant AuM (estimated CHF 25-30B). Editorial: industry consolidation continues \u2014 and the merged combined entity continues to operate under the tailored CH posture. The acquired SG Private Banking entity was itself classical UHNW tailored, so no posture change.", null], ["ubp:vermoegensverwaltung:pf:six_geneva_instance", "ubp:vermoegensverwaltung", "pricing_condition", "6th Geneva HQ atom #274 instance \u2014 Geneva now dominant alongside Zurich", "Geneva atom #274 cohort instances after this load (6): Pictet, Lombard Odier, Edmond de Rothschild Suisse, Deutsche Bank Suisse (Geneva HQ), Piguet Galland, Union Bancaire Priv\u00e9e. Cohort city distribution: Zurich x8, Geneva x6, Basel x3, Bern x1, Lucerne x1, Lugano x1. Zurich + Geneva together = 14 of 18 = 78% of cohort.", null]], "truncated": false, "filtered_table_rows_count": 6, "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": "ubp:vermoegensverwaltung"}}, "facet_results": {}, "suggested_facets": [], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 96.64476700004343, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}