Clients
Daniel Baumann
AffluentIndividual · Client since 1994 · Bern, BE · KYC: Enhanced
Relationship manager
Marina Roth
Business Banking · Lugano
Cash
CHF 393k
Deposits
CHF 448k
Investments
CHF 0
Lending
CHF 1.17m
Net flow 30d CHF -31k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 1994 and based in Bern. Total deposits CHF 448'200, investments CHF 0, lending CHF 1'173'000. Net flow over the last 30 days is CHF -31'000, and a Fixed mortgage of CHF 1'173'000 renews in 493 days. 1 opportunity signal is currently open.
- Salary increase
- CHF 415'500 · Savings and pension review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH94 0076 9043 9302 7274 2 | CHF | CHF 392'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Fixed · Einfamilienhaus, Bern · renews in 493 d | 2.54% | CHF 1'173'000 |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Salary increase | Recurring salary credit increased to CHF 487'000 per month. | 89% | CHF 416k | Savings and pension review |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-24 | Payroll — Employer | Card | CHF 7'764 |
| 2026-07-21 | Payroll — Employer | SWIFT | CHF -4'995 |
| 2026-07-18 | Apotheke Zentrum | SIC | CHF -1'549 |
| 2026-07-05 | ElektrizitätswerkUnusual | Standing order | CHF 120'200 |
| 2026-06-26 | Swisscom | Standing order | CHF 2'611 |
| 2026-06-24 | Apotheke Zentrum | Card | CHF -4'464 |
Interactions
- Phone2025-12-31
Annual relationship review completed.