Clients
Nicolas Keller
AffluentIndividual · Client since 2000 · Lugano, TI · KYC: Standard
Relationship manager
Jonas Weber
Business Banking · Lausanne
Cash
CHF 383k
Deposits
CHF 533k
Investments
CHF 128k
Lending
CHF 1.45m
Net flow 30d CHF 69k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 2000 and based in Lugano. Total deposits CHF 532'900, investments CHF 127'900, lending CHF 1'452'000. Net flow over the last 30 days is CHF 69'300, and a Fixed mortgage of CHF 1'452'000 renews in 51 days. 1 opportunity signal is currently open.
- FX exposure
- CHF 485'500 · Corporate FX hedging review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH95 0076 7283 2329 2421 1 | CHF | CHF 382'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Fixed · Einfamilienhaus, Lugano · renews in 51 d | 2.60% | CHF 1'452'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Equities | Multi-Asset Balanced | CHF 38'700 | -2.0% |
| Bonds | Swiss Government Bonds | CHF 89'200 | 6.8% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| FX exposure | Recurring foreign-currency settlements of CHF 637'000 without hedging. | 69% | CHF 486k | Corporate FX hedging review |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-26 | Restaurant Rebstock | SIC | CHF -1'787 |
| 2026-07-12 | Migros | Internal | CHF 844 |
| 2026-06-29 | Elektrizitätswerk | Internal | CHF 5'823 |
| 2026-06-28 | Restaurant Rebstock | SWIFT | CHF 1'623 |
| 2026-06-24 | Immobilien Verwaltung AG | Internal | CHF 6'054 |
| 2026-06-20 | Coop Supermarkt | Card | CHF -2'044 |
Interactions
- Branch2026-07-24
Annual relationship review completed.
- Advisory meeting2026-05-25
Portfolio performance review meeting.
- E-banking2026-01-31
Card limit increase requested.