Clients
Werner Dubois
PrivateIndividual · Client since 1994 · Lugano, TI · KYC: Enhanced
Relationship manager
Marina Roth
Business Banking · Lugano
Cash
CHF 1.34m
Deposits
CHF 2.32m
Investments
CHF 2.70m
Lending
CHF 0
Net flow 30d CHF 390k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 1994 and based in Lugano. Total deposits CHF 2'324'200, investments CHF 2'698'100, lending CHF 0. Net flow over the last 30 days is CHF 389'800. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH78 0076 6480 9933 3992 0 | CHF | CHF 1'337'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | SMI Index Fund | CHF 1'327'000 | 3.4% |
| Equities | Multi-Asset Balanced | CHF 1'371'100 | 11.7% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-24 | Restaurant Rebstock | Standing order | CHF 4'098 |
| 2026-07-18 | Migros | Card | CHF 4'420 |
| 2026-07-07 | Coop Supermarkt | Internal | CHF -41'846 |
| 2026-07-03 | Payroll — Employer | Internal | CHF 4'518 |
| 2026-06-28 | Immobilien Verwaltung AG | SIC | CHF 3'025 |
| 2026-06-22 | Versicherung Zurich | Card | CHF 4'570 |
Interactions
- E-banking2026-05-27
Mortgage renewal options discussed by phone.
- Phone2025-12-12
Business account documentation updated.
- E-banking2025-09-25
Card limit increase requested.