id,product_id,feature_key,feature_value,note,source_page
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) — 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.,
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).,
ubp:vermoegensverwaltung:pf:four_non_ch_branches_publish,ubp:vermoegensverwaltung,pricing_condition,FOUR non-CH branches publish complete fee schedules — 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.",
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.",
ubp:vermoegensverwaltung:pf:sg_acquisition_2025,ubp:vermoegensverwaltung,pricing_condition,Société Générale acquisition (Q1 2025) — major industry consolidation,"UBP announced acquisition of Société Générale 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 — 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.",
ubp:vermoegensverwaltung:pf:six_geneva_instance,ubp:vermoegensverwaltung,pricing_condition,6th Geneva HQ atom #274 instance — 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 Privée. Cohort city distribution: Zurich x8, Geneva x6, Basel x3, Bern x1, Lucerne x1, Lugano x1. Zurich + Geneva together = 14 of 18 = 78% of cohort.",