Clients
Daniel Roth
RetailIndividual · Client since 2022 · Bern, BE · KYC: Standard
Relationship manager
Marina Roth
Business Banking · Lugano
Cash
CHF 70k
Deposits
CHF 111k
Investments
CHF 141k
Lending
CHF 0
Net flow 30d CHF -16k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2022 and based in Bern. Total deposits CHF 110'500, investments CHF 140'500, lending CHF 0. Net flow over the last 30 days is CHF -16'000. 1 opportunity signal is currently open.
- FX exposure
- CHF 323'000 · Corporate FX hedging review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH73 0076 3477 2927 1403 0 | CHF | CHF 70'400 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Funds | Money Market CHF | CHF 45'200 | -4.4% |
| Structured | Global Equity Fund | CHF 37'600 | 6.4% |
| Cash | Multi-Asset Balanced | CHF 57'700 | 13.1% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| FX exposure | Recurring foreign-currency settlements of CHF 486'000 without hedging. | 90% | CHF 323k | Corporate FX hedging review |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-04 | Apotheke Zentrum | Card | CHF -2'896 |
| 2026-07-29 | Steueramt | SIC | CHF 7'292 |
| 2026-07-10 | Krankenkasse Helvetia | SWIFT | CHF -6'534 |
| 2026-07-07 | Migros | SIC | CHF 6'843 |
| 2026-06-20 | Digitec Galaxus | Internal | CHF 6'199 |
| 2026-06-15 | Digitec Galaxus | SWIFT | CHF -891 |
Interactions
- Advisory meeting2026-05-05
Pension planning consultation booked.