Clients
Katharina Moser
PrivateIndividual · Client since 1995 · Aarau, AG · KYC: Standard
Relationship manager
Marina Müller
Private Clients · Lausanne
Cash
CHF 2.99m
Deposits
CHF 4.15m
Investments
CHF 5.78m
Lending
CHF 1.73m
Net flow 30d CHF 1.17m
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 1995 and based in Aarau. Total deposits CHF 4'147'600, investments CHF 5'776'300, lending CHF 1'728'000. Net flow over the last 30 days is CHF 1'165'200, and a SARON mortgage of CHF 1'728'000 renews in 294 days. 1 opportunity signal is currently open.
- Pension planning
- CHF 259'500 · Retirement planning appointment
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH16 0076 9846 1418 9832 7 | CHF | CHF 2'987'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Aarau · renews in 294 d | 1.72% | CHF 1'728'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Bonds | European Equity Fund | CHF 1'812'000 | 11.4% |
| Funds | Money Market CHF | CHF 3'964'300 | 4.7% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Pension planning | Pillar 3a contributions below the annual maximum; CHF 359'000 shortfall. | 59% | CHF 260k | Retirement planning appointment |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-06 | Elektrizitätswerk | Card | CHF -7'479 |
| 2026-08-03 | Apotheke Zentrum | SEPA | CHF 3'045 |
| 2026-07-29 | Coop Supermarkt | SIC | CHF -5'258 |
| 2026-07-18 | Versicherung Zurich | Card | CHF -7'494 |
| 2026-07-10 | Versicherung ZurichUnusual | Card | CHF 88'278 |
| 2026-06-20 | SBB Ticketing | Standing order | CHF 8'191 |
Interactions
- Branch2026-08-06
Annual relationship review completed.