Clients
Céline Vogel
RetailIndividual · Client since 2001 · Lausanne, VD · KYC: Standard
Relationship manager
Patrick Frei
Corporate & Institutional · Zug
Cash
CHF 82k
Deposits
CHF 210k
Investments
CHF 401k
Lending
CHF 388k
Net flow 30d CHF -14k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2001 and based in Lausanne. Total deposits CHF 209'600, investments CHF 400'700, lending CHF 388'000. Net flow over the last 30 days is CHF -14'300, and a SARON mortgage of CHF 388'000 renews in 68 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH96 0076 4782 9751 5719 7 | CHF | CHF 81'700 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Lausanne · renews in 68 d | 1.40% | CHF 388'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | SMI Index Fund | CHF 149'200 | -2.6% |
| Equities | CHF Corporate Bonds | CHF 251'500 | -0.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Apotheke Zentrum | Internal | CHF 4'300 |
| 2026-08-08 | Coop Supermarkt | SEPA | CHF 7'210 |
| 2026-07-23 | Digitec Galaxus | SEPA | CHF 8'678 |
| 2026-07-07 | Payroll — Employer | SEPA | CHF 4'906 |
| 2026-07-07 | Immobilien Verwaltung AG | Card | CHF -6'805 |
| 2026-06-18 | Apotheke Zentrum | SWIFT | CHF 2'340 |
Interactions
- Advisory meeting2026-04-16
Mortgage renewal options discussed by phone.
- Email2025-08-20
Business account documentation updated.