Clients
Urs Perret
AffluentIndividual · Client since 2003 · St. Gallen, SG · KYC: Standard
Relationship manager
Lukas Marti
Private Clients · St. Gallen
Cash
CHF 413k
Deposits
CHF 725k
Investments
CHF 1.13m
Lending
CHF 0
Net flow 30d CHF 311k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 2003 and based in St. Gallen. Total deposits CHF 724'800, investments CHF 1'128'300, lending CHF 0. Net flow over the last 30 days is CHF 311'100. 1 opportunity signal is currently open.
- Potential churn
- CHF 337'500 · Retention conversation
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH48 0076 7855 5780 6582 6 | CHF | CHF 413'100 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Money Market CHF | CHF 298'300 | 5.3% |
| Cash | Multi-Asset Balanced | CHF 830'000 | 9.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Potential churn | CHF 539'000 transferred to an external institution over six weeks. | 92% | CHF 338k | Retention conversation |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-09 | Krankenkasse Helvetia | Internal | CHF -3'335 |
| 2026-07-23 | Restaurant Rebstock | SWIFT | CHF -8'448 |
| 2026-07-12 | Swisscom | SEPA | CHF 7'771 |
| 2026-06-27 | Elektrizitätswerk | SIC | CHF -3'935 |
| 2026-06-18 | Migros | SIC | CHF 3'723 |
| 2026-06-16 | Krankenkasse Helvetia | SWIFT | CHF 2'595 |
Interactions
- E-banking2025-06-27
Mortgage renewal options discussed by phone.