Zoé Vogel

Affluent

Individual · Client since 2016 · Luzern, LU · KYC: Standard

Relationship manager

Fabian Perret

Corporate & Institutional · Lugano

Cash

CHF 390k

Deposits

CHF 940k

Investments

CHF 884k

Lending

CHF 322k

Net flow 30d CHF 154k

Relationship summary

Synthetic banking data

Private client in the Affluent segment, with the bank since 2016 and based in Luzern. Total deposits CHF 940'300, investments CHF 883'900, lending CHF 322'000. Net flow over the last 30 days is CHF 154'400, and a SARON mortgage of CHF 322'000 renews in 221 days. 1 opportunity signal is currently open.

Salary increase: CHF 395'000 · Savings and pension review

Accounts

Type	IBAN	Currency	Balance
Current	CH41 0076 1604 5906 1388 0	CHF	CHF 195'200
Custody	CH70 0076 8822 2463 6828 7	CHF	CHF 883'900

Lending

Facility	Detail	Rate	Balance
Mortgage	SARON · Mehrfamilienhaus, Luzern · renews in 221 d	1.21%	CHF 322'000

Portfolio

Asset class	Instrument	Value	YTD
Bonds	Global Equity Fund	CHF 299'300	-4.6%
Funds	Global Equity Fund	CHF 275'400	0.6%
Structured	Money Market CHF	CHF 309'200	6.9%

Opportunities and signals

Type	Reason	Confidence	Value	Action
Salary increase	Recurring salary credit increased to CHF 613'000 per month.	58%	CHF 395k	Savings and pension review

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-07-22	Apotheke Zentrum	Card	CHF -4'132
2026-07-21	Versicherung Zurich	Standing order	CHF -7'956
2026-07-15	Coop SupermarktUnusual	Card	CHF 1'440
2026-07-08	Immobilien Verwaltung AG	Card	CHF -1'055
2026-06-30	Elektrizitätswerk	Internal	CHF 1'408
2026-06-26	Digitec GalaxusUnusual	Internal	CHF 5'565

Interactions

Phone2026-07-06
Mortgage renewal options discussed by phone.
Branch2026-06-08
E-banking support request — resolved.
Email2025-09-19
E-banking support request — resolved.