Werner Steiner

Private

Individual · Client since 2001 · Zürich, ZH · KYC: Periodic review due

Relationship manager

Lukas Marti

Private Clients · St. Gallen

Cash

CHF 3.46m

Deposits

CHF 5.77m

Investments

CHF 1.87m

Lending

CHF 1.92m

Net flow 30d CHF -510k

Relationship summary

Synthetic banking data

Private client in the Private segment, with the bank since 2001 and based in Zürich. Total deposits CHF 5'768'400, investments CHF 1'871'400, lending CHF 1'919'000. Net flow over the last 30 days is CHF -510'200, and a SARON mortgage of CHF 1'919'000 renews in 422 days. 1 opportunity signal is currently open.

Potential churn: CHF 310'500 · Retention conversation

Accounts

Type	IBAN	Currency	Balance
Current	CH11 0076 2602 8100 4995 2	CHF	CHF 1'729'300
Custody	CH11 0076 4727 1951 7770 3	CHF	CHF 1'871'400

Lending

Facility	Detail	Rate	Balance
Mortgage	SARON · Renditeobjekt, Zürich · renews in 422 d	1.53%	CHF 1'919'000

Portfolio

Asset class	Instrument	Value	YTD
Funds	Swiss Government Bonds	CHF 553'100	5.1%
Structured	Multi-Asset Balanced	CHF 331'800	2.9%
Cash	Multi-Asset Balanced	CHF 406'800	1.0%
Equities	Global Equity Fund	CHF 579'700	3.8%

Opportunities and signals

Type	Reason	Confidence	Value	Action
Potential churn	CHF 630'000 transferred to an external institution over six weeks.	59%	CHF 311k	Retention conversation

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-07-25	Immobilien Verwaltung AG	SWIFT	CHF 97
2026-07-22	Pensionskasse	SWIFT	CHF -5'499
2026-07-13	Immobilien Verwaltung AG	Internal	CHF 5'968
2026-07-11	Swisscom	Card	CHF 8'078
2026-07-09	Payroll — Employer	Standing order	CHF 2'247
2026-06-24	Steueramt	SIC	CHF 463

Interactions

E-banking2026-07-14
Card limit increase requested.
E-banking2026-02-28
E-banking support request — resolved.
E-banking2026-01-28
Portfolio performance review meeting.