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When we found we could refinance our student loans with our First Republic personal banker, we jumped at the chance.

Christina Pham, M.D. and Johannes Kratz, M.D. | Northern California, San Francisco Clients of First Republic Bank Since '12

Christina Pham and Johannes Kratz, parents to three young children and doctors at UCSF Medical Center, were thrilled to discover a new standard of banking when they became First Republic clients in 2012. Having always considered banking a chore, Christina and Johannes find First Republic’s customized approach a refreshing change. No matter what they need, they know that their dedicated team is just an email or phone call away. Focusing on their young family and juggling demanding work schedules, the couple relies on a strong support network of family, friends – and now First Republic – to keep them moving forward.

Pictured Above
Christina Pham, M.D., UCSF Medical Center
Johannes Kratz, M.D., UCSF Medical Center