id,product_id,feature_key,feature_value,note,source_page
pcb:wm:pf:adviser_not_seller,pcb:wealth_management,business_model,Berater nicht Verkaeufer von Anlageprodukten,"PCB verbatim: ""Wir verstehen uns als Berater und nicht als Verkaeufer von Anlageprodukten."" Explicit anti-product-pushing stance. Compare Scobag ""Unser einziges Produkt heisst Service"" — same family of positioning, with PCB framing it through the buy-side advisory lens rather than service minimalism. PCB references tax + legal work via ""Netz von kompetenten und erfahrenen Fachleuten"" — open-architecture professional services delegation rather than in-house team.",
pcb:wm:pf:atom_274_editorial_subpattern,pcb:wealth_management,pricing_condition,Atom #274 23rd-or-next-numbered instance — Zurich UHNW with editorial-letter sub-pattern,"PCB joins the atom #274 tailored cohort but represents a distinct sub-pattern: macro/thematic editorial-letter Zurich UHNW, as opposed to the portfolio-construction-focused Geneva/Basel UHNW archetype (Pictet/Lombard Odier/UBP/Mirabaud/Reichmuth/Maerki/Baumann). Distinguished by quarterly ""Private Client Letter"" thought leadership product authored personally by CEO and Chairman (rather than research-team-produced market commentary). Bank-side tariffs negotiated per family-office mandate under FINSA Art. 31 opt-out. No affiliated 3a/pension foundation observed, so atom #292 regulatory-bifurcation posture does not apply (unlike Scobag).",
pcb:wm:pf:editorial_pcb_letter,pcb:wealth_management,marketing_channel,Private Client Letter — quarterly thematic editorial publication,"PCB's signature thought-leadership product. Quarterly. Format: 4-page newsletter, NZZ-aligned literate German prose, individually authored. Observed signatures: ""IA"" (Dr. Ivan Adamovich, CEO) and ""KH"" (Dr. Konrad Hummler, VR-Praesident). Observed topics 2019-2024: monetary-policy regime shifts (Wendezeiten Q1/2023), zero-rate era ending (LaLaLand Q3/2019), COVID turning point (Grosse UEberfahrt Q4/2020), year-end retrospectives (Alle Jahre Wieder Q1/2022), commodities + gold-as-insurance (Alternative Substanzen Q2/2024), cybersecurity for UHNW assets (Katz und Maus Q4/2024). Tone: pro-equities for Werterhalt, pro-gold-as-insurance, skeptical of Bitcoin, conservative-investor framing. Distinct from research-team-produced market commentary at larger WM houses — these are personally authored by the bank's leadership.",
pcb:wm:pf:fee_model_non_transactional,pcb:wealth_management,pricing_condition,Honorare fix + (optional) erfolgsabhaengig — explicitly non-transactional,"PCB website verbatim: ""Unsere Honorare sind transparent, nicht transaktionsbezogen und basieren auf fixen und, wenn gewuenscht, erfolgsabhaengigen Gebuehren."" Explicit elimination of churn incentives — distinguishes PCB from courtage-driven mandate banks. Concrete fee schedule still tailored per mandate (consistent with atom #274 posture); only the fee-model SHAPE is disclosed publicly, not amounts.",
pcb:wm:pf:finma_category_5,pcb:wealth_management,regulatory,FINMA category 5 (smallest supervisory band),"PCB is FINMA-supervised category 5 (smallest). esisuisse deposit-protection member. SIC participant (clearing 83043, IID 830438) with RTGS-CHF + Instant-Payment-CHF connectivity. BIC PICLCHZ2XXX. No staatsgarantie. Domicile Bleicherweg 5, 8001 Zuerich (Postfach 8034). Confirms small-classical-private-bank profile — capital ratios not publicly disclosed but the family-ownership + non-transactional-fee model + category-5 supervisory band align with low-risk-low-leverage atom #274 archetype.",
pcb:wm:pf:governance_hummler,pcb:wealth_management,governance,VR-Praesident Dr. Konrad Hummler (former Wegelin & Co. managing partner),"Dr. Konrad Hummler chairs the PCB board. Hummler was the managing partner of Wegelin & Co. (oldest Swiss bank, wound down operations in 2013 after US DOJ case). His presence at PCB anchors the bank in classical Swiss private-banking lineage. Other board members: Dr. Silvio Hutterli (VP), Barbara Kistler, Benno Schumacher, Dr. Udo Simmat. CEO: Dr. Ivan Adamovich. Team composition emphasizes interdisciplinary mix — investment specialists, portfolio managers, lawyers, economists.",
pcb:wm:pf:investment_office_bank_model,pcb:wealth_management,business_model,Investment Office Bank — family-office multi-custodian consolidation,"PCB self-describes as ""Investment Office Bank"" (Anglo-Swiss hybrid term) rather than ""Vermoegensverwaltung"" or ""Private Banking"". Core service is consolidating UHNW family wealth held across multiple Swiss and foreign depot banks into a single electronic reporting / oversight system. Quote: ""Family Office Kunden diversifizieren ihr liquides Vermoegen vielfach ueber mehrere Depotstellen in der Schweiz und im Ausland. Wir schaffen die Uebersicht ueber liquides und weniger liquides Vermoegen mit einem elektronischen Konsolidierungssystem."" Distinguishes PCB from in-house-only WM peers — clients can keep custody elsewhere.",
pcb:wm:pf:ownership_family_owned,pcb:wealth_management,ownership,Owned by Swiss + German entrepreneur families since 1998,"PCB website verbatim: ""Seit ihrer Gruendung 1998 befindet sich die Private Client Bank im Besitz von namhaften Unternehmerfamilien."" Positioning: ""eine Bank von Familien fuer Familien."" Founded 1998 — among the younger atom #274 instances (most are pre-1900; Trafina 2011 and Zaehringer 2015 are younger; Scobag 1968 is a peer). Family-ownership structure aligns with the typical atom #274 capital-conservative governance profile, even though no operational_since / capital figure is publicly disclosed.",