Elena Marti

Retail

Individual · Client since 2008 · Lugano, TI · KYC: Standard

Relationship manager

Werner Lehmann

Retail & Affluent · St. Gallen

Cash

CHF 43k

Deposits

CHF 95k

Investments

CHF 0

Lending

CHF 611k

Net flow 30d CHF 2k

Relationship summary

Synthetic banking data

Private client in the Retail segment, with the bank since 2008 and based in Lugano. Total deposits CHF 94'600, investments CHF 0, lending CHF 611'000. Net flow over the last 30 days is CHF 1'800, and a SARON mortgage of CHF 611'000 renews in 660 days. No opportunity signals are currently open.

Accounts

Type	IBAN	Currency	Balance
Current	CH84 0076 5545 5951 4224 2	EUR	CHF 21'400
Savings	CH27 0076 9957 5374 4847 5	USD	CHF 51'900

Lending

Facility	Detail	Rate	Balance
Mortgage	SARON · Einfamilienhaus, Lugano · renews in 660 d	1.44%	CHF 611'000

Opportunities and signals

Type	Reason	Confidence	Value	Action

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-08-12	SBB Ticketing	Card	CHF -6'360
2026-07-20	Payroll — Employer	Standing order	CHF 294
2026-07-13	Restaurant Rebstock	Internal	CHF -3'452
2026-07-02	Swisscom	SWIFT	CHF 1'433
2026-06-16	Coop Supermarkt	SEPA	CHF -947
2026-06-15	Elektrizitätswerk	SWIFT	CHF -1'988

Interactions

Branch2026-07-22
Pension planning consultation booked.
Branch2026-06-06
Business account documentation updated.
Advisory meeting2025-09-21
Portfolio performance review meeting.