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
pcb:wealth_management,pcb,wealth_management,PCB Family Office + Wealth Consolidation,CHF,private,wealthy,"PCB Private Client Bank's sole publicly-visible service line — 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 — 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"" — thematic macroeconomic essays (rate regimes, commodities, cybersecurity) authored personally by Adamovich (IA) and Hummler (KH). Atom #274 23rd-or-next-numbered instance — Zurich UHNW with editorial-letter sub-pattern. Tariffs negotiated per family-office mandate; no public price schedule.",,,BPG003HG7ZF9,pro,1,,