Yannick Widmer

Private

Individual · Client since 2014 · Lugano, TI · KYC: Standard

Relationship manager

Olivia Rossi

Private Clients · Winterthur

Cash

CHF 1.74m

Deposits

CHF 2.12m

Investments

CHF 3.59m

Lending

CHF 2.24m

Net flow 30d CHF 377k

Relationship summary

Synthetic banking data

Private client in the Private segment, with the bank since 2014 and based in Lugano. Total deposits CHF 2'118'000, investments CHF 3'592'300, lending CHF 2'240'000. Net flow over the last 30 days is CHF 377'000, and a Variable mortgage of CHF 2'240'000 renews in 734 days. 1 opportunity signal is currently open.

FX exposure: CHF 191'000 · Corporate FX hedging review

Accounts

Type	IBAN	Currency	Balance
Current	CH75 0076 8102 1571 7980 8	CHF	CHF 870'800
Savings	CH24 0076 6363 1207 9815 1	USD	CHF 376'400

Lending

Facility	Detail	Rate	Balance
Mortgage	Variable · Renditeobjekt, Lugano · renews in 734 d	1.21%	CHF 2'240'000

Portfolio

Asset class	Instrument	Value	YTD
Funds	Swiss Government Bonds	CHF 1'470'600	-4.9%
Structured	European Equity Fund	CHF 1'003'200	3.2%
Cash	Capital-Protected Note	CHF 1'118'500	-5.1%

Opportunities and signals

Type	Reason	Confidence	Value	Action
FX exposure	Recurring foreign-currency settlements of CHF 287'000 without hedging.	59%	CHF 191k	Corporate FX hedging review

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-08-04	Versicherung Zurich	Card	CHF -4'558
2026-08-03	Elektrizitätswerk	Card	CHF 4'639
2026-07-17	Coop Supermarkt	SIC	CHF 6'712
2026-07-08	Globus	SEPA	CHF -3'435
2026-06-21	Payroll — Employer	Internal	CHF 3'075
2026-06-16	Globus	Card	CHF 1'473

Interactions

E-banking2025-10-06
Pension planning consultation booked.