Clients
Sandra Perret
AffluentIndividual · Client since 2019 · St. Gallen, SG · KYC: Standard
Relationship manager
Zoé Graf
Retail & Affluent · Zürich Paradeplatz
Cash
CHF 562k
Deposits
CHF 873k
Investments
CHF 613k
Lending
CHF 0
Net flow 30d CHF 175k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 2019 and based in St. Gallen. Total deposits CHF 872'700, investments CHF 612'500, lending CHF 0. Net flow over the last 30 days is CHF 175'000. 1 opportunity signal is currently open.
- Mortgage renewal
- CHF 379'000 · Relationship manager contact
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH20 0076 7431 4258 4523 1 | CHF | CHF 281'200 |
| Savings | CH60 0076 5681 3218 9979 1 | CHF | CHF 310'300 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Funds | Global Equity Fund | CHF 163'900 | -5.6% |
| Structured | CHF Corporate Bonds | CHF 157'600 | 12.9% |
| Cash | CHF Corporate Bonds | CHF 108'000 | 4.6% |
| Equities | European Equity Fund | CHF 183'000 | 9.1% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Mortgage renewal | Mortgage balance of CHF 557'000 approaching renewal. | 68% | CHF 379k | Relationship manager contact |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-24 | Migros | SWIFT | CHF 7'461 |
| 2026-07-02 | Steueramt | SEPA | CHF 4'414 |
| 2026-06-30 | Coop Supermarkt | SIC | CHF -8'432 |
| 2026-06-30 | SBB Ticketing | Internal | CHF 6'361 |
| 2026-06-28 | Apotheke Zentrum | SIC | CHF 4'573 |
| 2026-06-22 | Elektrizitätswerk | Card | CHF -50 |
Interactions
- Advisory meeting2026-08-05
Annual relationship review completed.