Clients
Bernina Traders GmbH
BusinessCompany · Client since 2007 · St. Gallen, SG · KYC: Enhanced
Relationship manager
Beat Baumann
Business Banking · Luzern
Cash
CHF 804k
Deposits
CHF 875k
Investments
CHF 380k
Lending
CHF 3.49m
Net flow 30d CHF 27k
Relationship summary
Synthetic banking dataBusiness client in the Business segment, with the bank since 2007 and based in St. Gallen. Total deposits CHF 875'000, investments CHF 379'600, lending CHF 3'491'000. Net flow over the last 30 days is CHF 26'700. 1 opportunity signal is currently open.
- Potential churn
- CHF 424'500 · Retention conversation
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Business | CH33 0076 4681 5969 1472 4 | CHF | CHF 268'000 |
| Business | CH92 0076 3921 5503 7835 4 | EUR | CHF 268'000 |
| Business | CH78 0076 3245 1910 8915 7 | CHF | CHF 268'000 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Loan | Working capital · 73 months remaining | 4.72% | CHF 3'491'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Money Market CHF | CHF 120'400 | -2.1% |
| Cash | Swiss Government Bonds | CHF 259'200 | -4.4% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Potential churn | CHF 535'000 transferred to an external institution over six weeks. | 75% | CHF 425k | Retention conversation |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-16 | Swisscom | SWIFT | CHF -2'222 |
| 2026-07-15 | Baumarkt Jumbo | SWIFT | CHF 8'536 |
| 2026-07-13 | Baumarkt Jumbo | SWIFT | CHF -3'819 |
| 2026-07-12 | Payroll — Employer | SIC | CHF -2'624 |
| 2026-06-30 | Immobilien Verwaltung AG | SWIFT | CHF 7'802 |
| 2026-06-23 | Baumarkt Jumbo | SIC | CHF 7'827 |
Interactions
- Branch2026-01-04
Pension planning consultation booked.