Clients
Hans Graf
PrivateIndividual · Client since 1995 · Bern, BE · KYC: Enhanced
Relationship manager
Thomas Lehmann
Mortgage Advisory · Zug
Cash
CHF 1.06m
Deposits
CHF 2.11m
Investments
CHF 1.91m
Lending
CHF 0
Net flow 30d CHF -432k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 1995 and based in Bern. Total deposits CHF 2'111'200, investments CHF 1'908'000, lending CHF 0. Net flow over the last 30 days is CHF -431'500. 1 opportunity signal is currently open.
- Investment maturity
- CHF 366'500 · Reinvestment proposal
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH22 0076 2205 9811 7828 0 | CHF | CHF 529'500 |
| Savings | CH16 0076 6767 1059 4678 1 | CHF | CHF 1'052'200 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Global Equity Fund | CHF 445'400 | -4.3% |
| Cash | Global Equity Fund | CHF 503'200 | -5.5% |
| Equities | SMI Index Fund | CHF 325'800 | 13.4% |
| Bonds | Multi-Asset Balanced | CHF 633'600 | -2.0% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Investment maturity | Structured position of CHF 571'000 maturing within the quarter. | 83% | CHF 367k | Reinvestment proposal |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-06 | Steueramt | SWIFT | CHF 5'212 |
| 2026-07-09 | Coop Supermarkt | SEPA | CHF -731 |
| 2026-07-04 | Baumarkt Jumbo | SEPA | CHF 1'280 |
| 2026-07-03 | Digitec Galaxus | Internal | CHF -1'904 |
| 2026-07-03 | Migros | SEPA | CHF -1'553 |
| 2026-06-19 | SwisscomUnusual | Card | CHF 3'625 |
Interactions
- Advisory meeting2026-05-07
Pension planning consultation booked.
- Advisory meeting2026-04-26
Annual relationship review completed.