id,product_id,feature_key,feature_value,note,source_page
zaehringer:vermoegensverwaltung:pf:eigentuemergefuehrt_singlegen,zaehringer:vermoegensverwaltung,pricing_condition,Eigentuemergefuehrte AG (single-generation owner-led) — 11th governance variation,"Owner-led AG (single-generation, since 2015). Distinct from family-led-multigeneration (Rahn+Bodmer 7gen, Dreyfus 7gen). The ""eigentuemergefuehrt"" framing is structurally Zaehringer-specific — single-owner vs family-owned. 11th distinct governance variation in atom #274 cohort.",
zaehringer:vermoegensverwaltung:pf:finsa_optout,zaehringer:vermoegensverwaltung,pricing_condition,FINSA Art. 31 professional-client opt-out -> tailored posture,"15th instance of CH UHNW classical cohort. After Pictet, EFG, Julius Baer, Lombard Odier, JPMorgan Suisse, BIL Suisse, Safra Sarasin, Edmond de Rothschild, Deutsche Bank Suisse, Rothschild & Co, Rahn+Bodmer, Trafina, Dreyfus (13 tailored) + Reichmuth (1 published) — Zaehringer is the 15th. 14 tailored + 1 published.",
zaehringer:vermoegensverwaltung:pf:first_bern_cohort,zaehringer:vermoegensverwaltung,pricing_condition,FIRST Bern atom #274 instance,"Atom #274 cohort city distribution after this load: Zurich x7, Geneva x4, Basel x3, Bern x1 (Zaehringer NEW), Lucerne x1. Bern is a major Swiss city but had no UHNW classical private bank in our cohort until now. Schmiedenplatz 3 (Bern Altstadt) is centrally located near the Bundeshaus — strategic for government / diplomatic / Bundes-personal wealth.",
zaehringer:vermoegensverwaltung:pf:post_crisis_greenfield,zaehringer:vermoegensverwaltung,pricing_condition,"Post-Finanzkrise green-field founding (""auf der gruenen Wiese ohne Altlasten"") still chose tailored","Zaehringer self-describes as a bank gegruendet 2015 ""auf der gruenen Wiese eine eigentuemergefuehrte Privatbank ohne Altlasten"" — explicitly framed as a rejection of pre-Finanzkrise legacy banking practices. Despite this framing, pricing disclosure is NOT among the legacy practices they reject. The bank still chooses the tailored posture under FINSA Art. 31. Direct evidence against the hypothesis ""post-crisis banks would be more transparent."" The tailored posture is not a relic of pre-crisis Swiss banking culture but an active ongoing strategic choice.",
zaehringer:vermoegensverwaltung:pf:youngest_tailored,zaehringer:vermoegensverwaltung,pricing_condition,NEW YOUNGEST tailored atom #274 cohort member (founded 2015) — replaces Trafina,"Banking licence 2015. Beats Trafina (1991) by 24 years. Founding-year range across the tailored side now spans 265 years: 1750 (Rahn+Bodmer) to 2015 (Zaehringer). AMINA (2018) is younger overall but a publisher; same for Reichmuth (1996, the cohort counter-example). EDITORIAL: even the youngest tailored atom #274 cohort member chose to tailor — youth is not associated with disclosure orientation in this cohort.",
zaehringer:vermoegensverwaltung:pf:zaehringer_dynasty_branding,zaehringer:vermoegensverwaltung,pricing_condition,"Zaehringer-Dynastie branding (Berner founding 1191) — ""Junge Bank mit traditionsreichem Namen""","The bank uses the Zaehringer-Dynastie reference (medieval Swiss noble family that founded Bern in 1191) as its brand identity, deliberately framing itself as ""a young bank with a tradition-rich name."" Wappen + Loewe Logo. This brand strategy is editorially interesting: a 2015-founded bank claims an 824-year-old name. Comparable cohort members (Rahn+Bodmer 1750, Dreyfus 1813) DO have continuous history; Zaehringer uses the dynasty name without the continuous-operations claim — a marketing decision uncommon in the cohort.",