Clients
Urs Graf
RetailIndividual · Client since 1992 · Winterthur, ZH · KYC: Standard
Relationship manager
Beat Baumann
Business Banking · Luzern
Cash
CHF 175k
Deposits
CHF 226k
Investments
CHF 0
Lending
CHF 659k
Net flow 30d CHF -6k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 1992 and based in Winterthur. Total deposits CHF 226'100, investments CHF 0, lending CHF 659'000. Net flow over the last 30 days is CHF -6'000, and a Variable mortgage of CHF 659'000 renews in 727 days. 1 opportunity signal is currently open.
- Unusual deposit
- CHF 317'500 · Courtesy call and suitability review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH86 0076 4165 6253 6460 1 | CHF | CHF 174'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Eigentumswohnung, Winterthur · renews in 727 d | 1.74% | CHF 659'000 |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Unusual deposit | Single inbound movement of CHF 602'000 outside the client's normal pattern. | 76% | CHF 318k | Courtesy call and suitability review |
| Risk | Model output on synthetic data — illustrative only. | 76% | — | Credit deterioration |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-11 | Restaurant Rebstock | SWIFT | CHF 7'999 |
| 2026-08-07 | Restaurant Rebstock | SEPA | CHF -877 |
| 2026-07-28 | Globus | SIC | CHF 7'197 |
| 2026-07-12 | Krankenkasse Helvetia | Internal | CHF -3'505 |
| 2026-06-28 | Restaurant Rebstock | SWIFT | CHF 8'448 |
| 2026-06-26 | Steueramt | SWIFT | CHF 3'746 |
Interactions
- Branch2026-07-19
E-banking support request — resolved.
- Branch2026-03-01
Portfolio performance review meeting.
- Phone2025-07-24
Annual relationship review completed.