Clients
Elena Steiner
AffluentIndividual · Client since 1990 · Aarau, AG · KYC: Standard
Relationship manager
Olivia Rossi
Private Clients · Winterthur
Cash
CHF 328k
Deposits
CHF 614k
Investments
CHF 114k
Lending
CHF 2.18m
Net flow 30d CHF 75k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 1990 and based in Aarau. Total deposits CHF 614'300, investments CHF 114'000, lending CHF 2'181'000. Net flow over the last 30 days is CHF 74'900, and a Fixed mortgage of CHF 2'181'000 renews in 361 days. 1 opportunity signal is currently open.
- High-value liquidity
- CHF 316'000 · Investment advisory contact
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH41 0076 9821 1891 9678 8 | CHF | CHF 328'000 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Fixed · Renditeobjekt, Aarau · renews in 361 d | 1.20% | CHF 2'181'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Funds | Swiss Government Bonds | CHF 52'500 | 7.3% |
| Structured | Capital-Protected Note | CHF 61'500 | -5.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| High-value liquidity | Idle cash balance of CHF 453'000 following an inbound transfer. | 60% | CHF 316k | Investment advisory contact |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-06 | Pensionskasse | SEPA | CHF -6'635 |
| 2026-07-27 | Digitec GalaxusUnusual | SWIFT | CHF 335'010 |
| 2026-07-27 | Krankenkasse Helvetia | SIC | CHF -4'203 |
| 2026-07-03 | Restaurant Rebstock | SEPA | CHF -3'538 |
| 2026-06-18 | Versicherung Zurich | SIC | CHF -697 |
| 2026-06-15 | Elektrizitätswerk | SIC | CHF -1'904 |
Interactions
- Advisory meeting2026-08-02
Mortgage renewal options discussed by phone.
- E-banking2026-01-18
Portfolio performance review meeting.
- Phone2025-08-10
Annual relationship review completed.