Clients
Bernina Traders AG
CorporateCompany · Client since 1986 · Thun, BE · KYC: Standard
Relationship manager
Fabian Perret
Corporate & Institutional · Lugano
Cash
CHF 567k
Deposits
CHF 892k
Investments
CHF 757k
Lending
CHF 0
Net flow 30d CHF -951k
Relationship summary
Synthetic banking dataBusiness client in the Corporate segment, with the bank since 1986 and based in Thun. Total deposits CHF 892'400, investments CHF 756'600, lending CHF 0. Net flow over the last 30 days is CHF -951'000. 1 opportunity signal is currently open.
- Potential churn
- CHF 338'500 · Retention conversation
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Business | CH50 0076 5527 2273 8702 1 | CHF | CHF 283'400 |
| Business | CH54 0076 5905 4608 9845 7 | CHF | CHF 283'400 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Bonds | Capital-Protected Note | CHF 226'100 | 4.5% |
| Funds | Multi-Asset Balanced | CHF 212'400 | -5.5% |
| Structured | Swiss Government Bonds | CHF 318'100 | 3.3% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Potential churn | CHF 462'000 transferred to an external institution over six weeks. | 88% | CHF 339k | Retention conversation |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-10 | Krankenkasse Helvetia | Card | CHF -3'668 |
| 2026-08-04 | SBB Ticketing | SIC | CHF -4'513 |
| 2026-07-30 | Steueramt | Internal | CHF -814 |
| 2026-07-15 | Krankenkasse Helvetia | SIC | CHF -5'310 |
| 2026-06-30 | Restaurant Rebstock | SIC | CHF -8'321 |
| 2026-06-18 | Elektrizitätswerk | SWIFT | CHF -8'346 |
Interactions
- Phone2026-04-28
Portfolio performance review meeting.
- E-banking2025-07-31
Mortgage renewal options discussed by phone.