Clients
Thomas Zimmermann
AffluentIndividual · Client since 2002 · Luzern, LU · KYC: Standard
Relationship manager
Beat Baumann
Business Banking · Luzern
Cash
CHF 741k
Deposits
CHF 1.10m
Investments
CHF 675k
Lending
CHF 458k
Net flow 30d CHF -173k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 2002 and based in Luzern. Total deposits CHF 1'103'200, investments CHF 674'900, lending CHF 458'000. Net flow over the last 30 days is CHF -173'000, and a SARON mortgage of CHF 458'000 renews in 795 days. 1 opportunity signal is currently open.
- Mortgage renewal
- CHF 51'500 · Relationship manager contact
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH19 0076 3352 4877 1369 5 | CHF | CHF 370'400 |
| Custody | CH86 0076 6151 5495 3424 7 | CHF | CHF 674'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Luzern · renews in 795 d | 2.06% | CHF 458'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Funds | Swiss Government Bonds | CHF 195'400 | 8.6% |
| Structured | SMI Index Fund | CHF 479'500 | 7.6% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Mortgage renewal | Mortgage balance of CHF 133'000 approaching renewal. | 86% | CHF 52k | Relationship manager contact |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Coop Supermarkt | Standing order | CHF 3'776 |
| 2026-07-29 | Baumarkt Jumbo | SWIFT | CHF 8'949 |
| 2026-07-17 | Coop Supermarkt | Card | CHF 4'870 |
| 2026-07-07 | Digitec Galaxus | Card | CHF 3'318 |
| 2026-07-05 | Pensionskasse | Card | CHF -8'500 |
| 2026-06-28 | Steueramt | SWIFT | CHF -7'671 |
Interactions
- Branch2026-04-09
Portfolio performance review meeting.
- Branch2026-01-04
Card limit increase requested.
- Phone2025-09-26
E-banking support request — resolved.