id,product_id,feature_key,feature_value,note,source_page
scobag:vermoegensverwaltung:pf:atom_274_23rd,scobag:vermoegensverwaltung,pricing_condition,Atom #274 23rd instance — 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 Zähringer 2015). ""Konsequent familiär"" — explicit anti-product anti-anonymous positioning. Bank-side tailored per FINSA Art. 31 opt-out.",
scobag:vermoegensverwaltung:pf:extraordinary_capital_ratios,scobag:vermoegensverwaltung,pricing_condition,Extraordinary capital ratios — Tier 1 ratio 66.6% (9x regulatory minimum),"Geschäftsbericht 2024 reports: Tier 1 ratio 66.6% (vs 10.5% required). Eigene Mittel CHF 121.2 Mio. against CHF 901 Mio. Bilanzsumme. Reserven für allgemeine Bankrisiken CHF 76.5 Mio. (+CHF 8.1 Mio. in 2024). This is deliberately over-capitalized — 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.",
scobag:vermoegensverwaltung:pf:high_dividend_low_share_count,scobag:vermoegensverwaltung,pricing_condition,"CHF 1,100 dividend per share — highly-restricted family share structure","Geschäftsbericht 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.",
scobag:vermoegensverwaltung:pf:seven_grundprinzipien,scobag:vermoegensverwaltung,pricing_condition,Seven Grundprinzipien — Wertorientierung first,"Scobag publishes seven investment principles in order: Wertorientierung (value), Unabhängigkeit (independence), Einfachheit (simplicity), Qualität (quality), Liquidität (liquidity), aktives Handeln (active management), Nachhaltigkeit (sustainability). Wertorientierung first — explicit anti-passive/anti-momentum positioning. Order rare in CH UHNW classical cohort which typically leads with Unabhängigkeit or Diskretion.",