Clients
Reto Berger
RetailIndividual · Client since 2002 · Chur, GR · KYC: Standard
Relationship manager
Thomas Lehmann
Mortgage Advisory · Zug
Cash
CHF 51k
Deposits
CHF 114k
Investments
CHF 0
Lending
CHF 2.21m
Net flow 30d CHF -21k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2002 and based in Chur. Total deposits CHF 113'500, investments CHF 0, lending CHF 2'215'000. Net flow over the last 30 days is CHF -21'300, and a SARON mortgage of CHF 2'215'000 renews in 76 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH12 0076 5616 8314 1867 1 | CHF | CHF 50'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Chur · renews in 76 d | 2.36% | CHF 2'215'000 |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-10 | Pensionskasse | Standing order | CHF 4'149 |
| 2026-07-12 | Baumarkt Jumbo | SWIFT | CHF -7'457 |
| 2026-07-06 | Digitec GalaxusUnusual | Internal | CHF -86'810 |
| 2026-07-06 | Pensionskasse | Card | CHF -1'415 |
| 2026-07-04 | Baumarkt Jumbo | Standing order | CHF 653 |
| 2026-06-17 | Payroll — EmployerUnusual | SWIFT | CHF -213'677 |
Interactions
- E-banking2026-07-26
Pension planning consultation booked.
- Phone2026-02-10
E-banking support request — resolved.
- Phone2025-10-16
Portfolio performance review meeting.