Clients
Thomas Hofer
RetailIndividual · Client since 2023 · Fribourg, FR · KYC: Standard
Relationship manager
Olivia Perret
Private Clients · Bern Bundesplatz
Cash
CHF 78k
Deposits
CHF 90k
Investments
CHF 30k
Lending
CHF 402k
Net flow 30d CHF 15k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2023 and based in Fribourg. Total deposits CHF 90'100, investments CHF 30'200, lending CHF 402'000. Net flow over the last 30 days is CHF 14'800, and a Variable mortgage of CHF 402'000 renews in 25 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH45 0076 7552 4143 5040 1 | CHF | CHF 38'900 |
| Savings | CH19 0076 1691 7565 9639 4 | CHF | CHF 12'400 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Mehrfamilienhaus, Fribourg · renews in 25 d | 2.46% | CHF 402'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | Money Market CHF | CHF 8'800 | 3.6% |
| Equities | Global Equity Fund | CHF 8'000 | -0.2% |
| Bonds | Global Equity Fund | CHF 2'800 | -4.2% |
| Funds | Money Market CHF | CHF 10'600 | 11.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-24 | Elektrizitätswerk | Card | CHF -5'309 |
| 2026-07-23 | Globus | Internal | CHF -4'865 |
| 2026-07-07 | SBB Ticketing | Card | CHF 4'736 |
| 2026-06-27 | Globus | SWIFT | CHF 3'346 |
| 2026-06-20 | Restaurant Rebstock | SIC | CHF -8'874 |
| 2026-06-17 | Coop Supermarkt | Internal | CHF 3'573 |
Interactions
- Phone2026-04-13
Pension planning consultation booked.
- Email2025-08-23
E-banking support request — resolved.
- Advisory meeting2025-08-08
Business account documentation updated.