Marina Meier

Retail

Individual · Client since 1999 · Bern, BE · KYC: Enhanced

Relationship manager

Zoé Müller

Business Banking · Bern Bundesplatz

Cash

CHF 121k

Deposits

CHF 208k

Investments

CHF 409k

Lending

CHF 1.44m

Net flow 30d CHF 45k

Relationship summary

Synthetic banking data

Private client in the Retail segment, with the bank since 1999 and based in Bern. Total deposits CHF 207'900, investments CHF 408'500, lending CHF 1'441'000. Net flow over the last 30 days is CHF 45'300, and a Variable mortgage of CHF 1'441'000 renews in 135 days. 1 opportunity signal is currently open.

Business growth: CHF 375'000 · Working capital discussion

Accounts

Type	IBAN	Currency	Balance
Current	CH89 0076 1819 3073 8583 6	EUR	CHF 60'400
Custody	CH88 0076 3219 2560 6836 8	USD	CHF 408'500

Lending

Facility	Detail	Rate	Balance
Mortgage	Variable · Eigentumswohnung, Bern · renews in 135 d	2.23%	CHF 1'441'000

Portfolio

Asset class	Instrument	Value	YTD
Equities	SMI Index Fund	CHF 177'600	5.0%
Bonds	Swiss Government Bonds	CHF 58'000	4.8%
Funds	Global Equity Fund	CHF 172'900	3.4%

Opportunities and signals

Type	Reason	Confidence	Value	Action
Business growth	Customer receipts up materially, CHF 498'000 in the last quarter.	72%	CHF 375k	Working capital discussion

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-08-07	Migros	SEPA	CHF 3'981
2026-08-02	Swisscom	Standing order	CHF 2'960
2026-07-22	Steueramt	Internal	CHF -4'969
2026-07-13	Payroll — Employer	SEPA	CHF -6'465
2026-06-28	Restaurant Rebstock	Internal	CHF 5'598
2026-06-19	Restaurant Rebstock	SIC	CHF 2'362

Interactions

Phone2026-02-12
Annual relationship review completed.
Advisory meeting2025-11-13
Pension planning consultation booked.
Email2025-09-09
Pension planning consultation booked.