Clients
Hans Baumann
RetailIndividual · Client since 1990 · Bern, BE · KYC: Periodic review due
Relationship manager
Céline Lehmann
Retail & Affluent · Winterthur
Cash
CHF 86k
Deposits
CHF 160k
Investments
CHF 150k
Lending
CHF 0
Net flow 30d CHF -22k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 1990 and based in Bern. Total deposits CHF 159'500, investments CHF 150'400, lending CHF 0. Net flow over the last 30 days is CHF -22'200. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH58 0076 9211 3440 4544 8 | CHF | CHF 86'400 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Equities | Global Equity Fund | CHF 58'200 | -5.3% |
| Bonds | European Equity Fund | CHF 42'100 | 8.6% |
| Funds | Global Equity Fund | CHF 16'900 | 3.1% |
| Structured | Multi-Asset Balanced | CHF 33'200 | 2.8% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Migros | SIC | CHF -6'435 |
| 2026-08-12 | Immobilien Verwaltung AG | Card | CHF 5'207 |
| 2026-08-07 | Payroll — Employer | Standing order | CHF 3'617 |
| 2026-07-21 | Immobilien Verwaltung AG | Card | CHF -1'111 |
| 2026-07-05 | Steueramt | SIC | CHF -8'387 |
| 2026-06-15 | Digitec Galaxus | SEPA | CHF -2'930 |
Interactions
- Email2026-03-10
Pension planning consultation booked.
- Phone2025-11-29
Card limit increase requested.