Clients
Andrea Bianchi
RetailIndividual · Client since 2011 · Bern, BE · KYC: Periodic review due
Relationship manager
Sandra Zimmermann
Corporate & Institutional · Luzern
Cash
CHF 188k
Deposits
CHF 263k
Investments
CHF 423k
Lending
CHF 2.13m
Net flow 30d CHF 28k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2011 and based in Bern. Total deposits CHF 263'100, investments CHF 422'900, lending CHF 2'135'000. Net flow over the last 30 days is CHF 28'100, and a Fixed mortgage of CHF 2'135'000 renews in 56 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH37 0076 6830 2823 7076 2 | CHF | CHF 188'000 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Fixed · Eigentumswohnung, Bern · renews in 56 d | 1.88% | CHF 2'135'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Money Market CHF | CHF 92'900 | -2.6% |
| Cash | SMI Index Fund | CHF 330'000 | -2.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-11 | Elektrizitätswerk | Internal | CHF -7'357 |
| 2026-08-11 | Digitec Galaxus | SEPA | CHF -2'964 |
| 2026-08-04 | Pensionskasse | SIC | CHF -3'170 |
| 2026-07-19 | Versicherung Zurich | Standing order | CHF 1'290 |
| 2026-07-14 | Immobilien Verwaltung AG | Card | CHF 2'845 |
| 2026-07-10 | Swisscom | Standing order | CHF 1'564 |
Interactions
- Phone2026-03-28
Annual relationship review completed.
- Phone2025-07-29
Pension planning consultation booked.