Clients
Reto Favre
RetailIndividual · Client since 1987 · Luzern, LU · KYC: Periodic review due
Relationship manager
Werner Jacquier
Retail & Affluent · Basel
Cash
CHF 117k
Deposits
CHF 150k
Investments
CHF 0
Lending
CHF 2.29m
Net flow 30d CHF 33k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 1987 and based in Luzern. Total deposits CHF 150'400, investments CHF 0, lending CHF 2'286'000. Net flow over the last 30 days is CHF 32'900, and a Fixed mortgage of CHF 2'286'000 renews in 75 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH23 0076 3319 1969 2201 3 | CHF | CHF 116'700 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Fixed · Mehrfamilienhaus, Luzern · renews in 75 d | 1.75% | CHF 2'286'000 |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-11 | Elektrizitätswerk | SIC | CHF 3'722 |
| 2026-07-27 | Digitec Galaxus | Standing order | CHF -5'125 |
| 2026-07-25 | Payroll — Employer | Standing order | CHF -3'676 |
| 2026-07-22 | Krankenkasse Helvetia | SEPA | CHF 8'465 |
| 2026-06-26 | Payroll — Employer | SEPA | CHF 5'081 |
| 2026-06-19 | SBB Ticketing | Card | CHF -376 |
Interactions
- Advisory meeting2026-02-19
Business account documentation updated.
- Branch2025-10-15
Annual relationship review completed.