Clients
Katharina Widmer
RetailIndividual · Client since 2014 · Chur, GR · KYC: Enhanced
Relationship manager
Céline Lehmann
Retail & Affluent · Winterthur
Cash
CHF 123k
Deposits
CHF 191k
Investments
CHF 88k
Lending
CHF 1.17m
Net flow 30d CHF -34k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2014 and based in Chur. Total deposits CHF 191'400, investments CHF 88'400, lending CHF 1'166'000. Net flow over the last 30 days is CHF -33'700, and a Variable mortgage of CHF 1'166'000 renews in 15 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH93 0076 7841 1621 8200 5 | CHF | CHF 122'800 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Eigentumswohnung, Chur · renews in 15 d | 1.19% | CHF 1'166'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | Multi-Asset Balanced | CHF 43'000 | 7.7% |
| Equities | Money Market CHF | CHF 45'400 | -1.0% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-08 | Immobilien Verwaltung AG | Internal | CHF -8'303 |
| 2026-08-06 | Immobilien Verwaltung AG | Card | CHF -4'728 |
| 2026-08-03 | Steueramt | SWIFT | CHF -5'189 |
| 2026-08-03 | Elektrizitätswerk | SIC | CHF -7'581 |
| 2026-07-02 | Globus | Internal | CHF -5'187 |
| 2026-06-21 | Immobilien Verwaltung AG | Card | CHF -169 |
Interactions
- E-banking2026-06-01
E-banking support request — resolved.
- Branch2025-10-23
Business account documentation updated.
- Advisory meeting2025-08-23
Card limit increase requested.