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6 rows where product_id = "ubp:vermoegensverwaltung"

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id ▼ product_id feature_key feature_value note source_page
ubp:vermoegensverwaltung:pf:de_picciotto_family Discretionary Portfolio Management (DPM) 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 Discretionary Portfolio Management (DPM) 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 Discretionary Portfolio Management (DPM) 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 Discretionary Portfolio Management (DPM) 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 Discretionary Portfolio Management (DPM) 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 Discretionary Portfolio Management (DPM) 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.  

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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);
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