product_feature

Data license: CC-BY-4.0 · Data source: bankproducts.info

4 rows where product_id = "scobag:vermoegensverwaltung"

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id ▼ product_id feature_key feature_value note source_page
scobag:vermoegensverwaltung:pf:atom_274_23rd Vermögensverwaltung (Wealth & Asset Management) 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 Vermögensverwaltung (Wealth & Asset Management) 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 Vermögensverwaltung (Wealth & Asset Management) 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 Vermögensverwaltung (Wealth & Asset Management) 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.  

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CREATE TABLE product_feature (
    id          TEXT PRIMARY KEY,
    product_id  TEXT NOT NULL REFERENCES product(id),
    feature_key TEXT NOT NULL,          -- withdrawal_limit_free, notice_period, daily_limit, monthly_limit,
                                        -- interest_late_payment, max_balance, included_services, ...
    feature_value TEXT,
    note        TEXT,
    source_page INTEGER
);
CREATE INDEX idx_product_feature_product ON product_feature(product_id);
CREATE INDEX idx_product_feature_key ON product_feature(feature_key);