Clients
Patrick Frei
AffluentIndividual · Client since 1994 · Lugano, TI · KYC: Standard
Relationship manager
Céline Lehmann
Retail & Affluent · Winterthur
Cash
CHF 122k
Deposits
CHF 166k
Investments
CHF 1.27m
Lending
CHF 1.33m
Net flow 30d CHF -126k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 1994 and based in Lugano. Total deposits CHF 165'900, investments CHF 1'274'100, lending CHF 1'328'000. Net flow over the last 30 days is CHF -125'700, and a Variable mortgage of CHF 1'328'000 renews in 850 days. 1 opportunity signal is currently open.
- Salary increase
- CHF 368'000 · Savings and pension review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH11 0076 6159 6252 7801 0 | CHF | CHF 61'100 |
| Custody | CH95 0076 4224 8937 4083 1 | CHF | CHF 1'274'100 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Renditeobjekt, Lugano · renews in 850 d | 1.18% | CHF 1'328'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | CHF Corporate Bonds | CHF 574'400 | 1.6% |
| Cash | Money Market CHF | CHF 162'900 | 4.2% |
| Equities | Capital-Protected Note | CHF 218'800 | 6.5% |
| Bonds | Capital-Protected Note | CHF 318'000 | 12.7% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Salary increase | Recurring salary credit increased to CHF 443'000 per month. | 93% | CHF 368k | Savings and pension review |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-28 | Migros | SIC | CHF 7'081 |
| 2026-07-20 | Coop Supermarkt | SWIFT | CHF -3'893 |
| 2026-07-07 | Steueramt | Card | CHF -2'367 |
| 2026-06-29 | Krankenkasse Helvetia | SIC | CHF 1'191 |
| 2026-06-23 | Restaurant Rebstock | SEPA | CHF 39'957 |
| 2026-06-14 | Baumarkt Jumbo | SIC | CHF -8'411 |
Interactions
- Phone2026-02-06
Business account documentation updated.