Clients
Urs Rossi
RetailIndividual · Client since 2020 · Luzern, LU · KYC: Standard
Relationship manager
Lukas Marti
Private Clients · St. Gallen
Cash
CHF 149k
Deposits
CHF 252k
Investments
CHF 485k
Lending
CHF 2.18m
Net flow 30d CHF -44k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2020 and based in Luzern. Total deposits CHF 252'300, investments CHF 484'900, lending CHF 2'180'000. Net flow over the last 30 days is CHF -44'300, and a Variable mortgage of CHF 2'180'000 renews in 695 days. 1 opportunity signal is currently open.
- Mortgage renewal
- CHF 50'500 · Relationship manager contact
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH36 0076 6451 4376 5021 2 | USD | CHF 74'500 |
| Savings | CH84 0076 6242 8110 5939 4 | CHF | CHF 103'300 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Renditeobjekt, Luzern · renews in 695 d | 1.19% | CHF 2'180'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Funds | Money Market CHF | CHF 209'700 | 5.1% |
| Structured | Global Equity Fund | CHF 275'200 | -4.3% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Mortgage renewal | Mortgage balance of CHF 93'000 approaching renewal. | 59% | CHF 51k | Relationship manager contact |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Pensionskasse | Standing order | CHF 5'673 |
| 2026-08-10 | Baumarkt Jumbo | SEPA | CHF -4'972 |
| 2026-08-04 | Swisscom | Standing order | CHF -4'828 |
| 2026-08-02 | Immobilien Verwaltung AG | SWIFT | CHF 7'219 |
| 2026-07-09 | SBB Ticketing | Standing order | CHF -1'077 |
| 2026-06-30 | Apotheke Zentrum | Card | CHF -8'488 |
Interactions
- Advisory meeting2025-11-21
Mortgage renewal options discussed by phone.
- Phone2025-08-27
Pension planning consultation booked.
- Email2025-07-15
Business account documentation updated.