Clients
Beat Jacquier
PrivateIndividual · Client since 1997 · Lausanne, VD · KYC: Periodic review due
Relationship manager
Beat Baumann
Business Banking · Luzern
Cash
CHF 242k
Deposits
CHF 1.48m
Investments
CHF 4.88m
Lending
CHF 2.04m
Net flow 30d CHF 981k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 1997 and based in Lausanne. Total deposits CHF 1'481'200, investments CHF 4'884'800, lending CHF 2'043'000. Net flow over the last 30 days is CHF 980'800, and a Variable mortgage of CHF 2'043'000 renews in 20 days. 1 opportunity signal is currently open.
- Unusual deposit
- CHF 233'000 · Courtesy call and suitability review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH16 0076 5813 8554 3526 4 | CHF | CHF 120'800 |
| Custody | CH45 0076 2757 2958 3205 8 | CHF | CHF 4'884'800 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Renditeobjekt, Lausanne · renews in 20 d | 2.05% | CHF 2'043'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Equities | Swiss Government Bonds | CHF 2'116'600 | 8.5% |
| Bonds | Swiss Government Bonds | CHF 2'768'200 | -0.8% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Unusual deposit | Single inbound movement of CHF 362'000 outside the client's normal pattern. | 67% | CHF 233k | Courtesy call and suitability review |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-09 | Swisscom | SEPA | CHF -261 |
| 2026-08-07 | Migros | SIC | CHF 2'604 |
| 2026-08-02 | Migros | Internal | CHF 8'675 |
| 2026-07-31 | Digitec Galaxus | SIC | CHF 6'292 |
| 2026-07-16 | Elektrizitätswerk | Standing order | CHF 4'230 |
| 2026-07-08 | Migros | SEPA | CHF 1'508 |
Interactions
- Phone2026-07-21
Card limit increase requested.
- E-banking2025-07-31
Mortgage renewal options discussed by phone.
- Branch2025-06-21
Annual relationship review completed.