product_feature: scobag:vermoegensverwaltung:pf:extraordinary_capital_ratios
This data as json
| id | product_id | feature_key | feature_value | note | source_page |
|---|---|---|---|---|---|
| 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. |