Clients
Sandra Müller
PrivateIndividual · Client since 2020 · Bern, BE · KYC: Standard
Relationship manager
Marina Roth
Business Banking · Lugano
Cash
CHF 2.73m
Deposits
CHF 4.61m
Investments
CHF 1.99m
Lending
CHF 373k
Net flow 30d CHF -532k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 2020 and based in Bern. Total deposits CHF 4'606'700, investments CHF 1'992'300, lending CHF 373'000. Net flow over the last 30 days is CHF -532'400, and a SARON mortgage of CHF 373'000 renews in 69 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH60 0076 6097 5587 3361 6 | CHF | CHF 2'730'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Mehrfamilienhaus, Bern · renews in 69 d | 2.45% | CHF 373'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | European Equity Fund | CHF 615'400 | 0.0% |
| Cash | Money Market CHF | CHF 389'500 | 2.7% |
| Equities | CHF Corporate Bonds | CHF 469'700 | -3.4% |
| Bonds | Multi-Asset Balanced | CHF 517'700 | 5.2% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Elektrizitätswerk | SIC | CHF -63 |
| 2026-08-08 | Steueramt | SWIFT | CHF 1'266 |
| 2026-08-02 | Baumarkt Jumbo | Internal | CHF 4'252 |
| 2026-07-17 | Payroll — Employer | Card | CHF -6'183 |
| 2026-06-25 | Apotheke Zentrum | Internal | CHF 6'840 |
| 2026-06-24 | Krankenkasse Helvetia | Card | CHF 6'686 |
Interactions
- E-banking2026-07-21
Annual relationship review completed.
- Advisory meeting2026-02-06
Mortgage renewal options discussed by phone.
- Phone2025-10-31
Mortgage renewal options discussed by phone.