{"database": "bankproducts", "table": "product_feature", "rows": [["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]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "primary_key_values": ["scobag:vermoegensverwaltung:pf:extraordinary_capital_ratios"], "units": {}, "query_ms": 1.0076020000724384, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}