Andrea Frei

Affluent

Individual · Client since 1991 · Luzern, LU · KYC: Standard

Relationship manager

Lukas Marti

Private Clients · St. Gallen

Cash

CHF 145k

Deposits

CHF 333k

Investments

CHF 1.08m

Lending

CHF 2.12m

Net flow 30d CHF 72k

Relationship summary

Synthetic banking data

Private client in the Affluent segment, with the bank since 1991 and based in Luzern. Total deposits CHF 332'900, investments CHF 1'076'300, lending CHF 2'124'000. Net flow over the last 30 days is CHF 72'300, and a Fixed mortgage of CHF 2'124'000 renews in 162 days. 1 opportunity signal is currently open.

Investment maturity: CHF 23'000 · Reinvestment proposal

Accounts

Type	IBAN	Currency	Balance
Current	CH76 0076 8320 1152 5187 6	CHF	CHF 145'200

Lending

Facility	Detail	Rate	Balance
Mortgage	Fixed · Mehrfamilienhaus, Luzern · renews in 162 d	1.63%	CHF 2'124'000

Portfolio

Asset class	Instrument	Value	YTD
Structured	European Equity Fund	CHF 308'500	7.8%
Cash	SMI Index Fund	CHF 211'400	-5.6%
Equities	CHF Corporate Bonds	CHF 258'600	-2.0%
Bonds	CHF Corporate Bonds	CHF 297'800	-0.9%

Opportunities and signals

Type	Reason	Confidence	Value	Action
Investment maturity	Structured position of CHF 105'000 maturing within the quarter.	64%	CHF 23k	Reinvestment proposal

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-08-12	Baumarkt Jumbo	SIC	CHF -5'089
2026-07-21	Baumarkt Jumbo	Standing order	CHF -2'558
2026-07-17	SBB Ticketing	Internal	CHF 7'723
2026-07-10	Elektrizitätswerk	SEPA	CHF 1'386
2026-06-26	Apotheke ZentrumUnusual	SIC	CHF -115'674
2026-06-24	Digitec Galaxus	Standing order	CHF 8'150

Interactions

Advisory meeting2026-07-13
E-banking support request — resolved.
Branch2025-12-30
Portfolio performance review meeting.
Email2025-12-17
E-banking support request — resolved.