Clients
Lukas Fischer
PrivateIndividual · Client since 2014 · Luzern, LU · KYC: Enhanced
Relationship manager
Zoé Graf
Retail & Affluent · Zürich Paradeplatz
Cash
CHF 1.81m
Deposits
CHF 2.68m
Investments
CHF 3.81m
Lending
CHF 1.22m
Net flow 30d CHF 542k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 2014 and based in Luzern. Total deposits CHF 2'675'500, investments CHF 3'815'000, lending CHF 1'217'000. Net flow over the last 30 days is CHF 541'600, and a SARON mortgage of CHF 1'217'000 renews in 749 days. 1 opportunity signal is currently open.
- Potential churn
- CHF 143'500 · Retention conversation
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH33 0076 2536 8865 3290 7 | USD | CHF 1'811'700 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Luzern · renews in 749 d | 2.39% | CHF 1'217'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Swiss Government Bonds | CHF 802'700 | 4.5% |
| Cash | Global Equity Fund | CHF 3'012'300 | 1.4% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Potential churn | CHF 341'000 transferred to an external institution over six weeks. | 61% | CHF 144k | Retention conversation |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-10 | Swisscom | SIC | CHF 3'679 |
| 2026-08-10 | Payroll — Employer | SEPA | CHF 8'145 |
| 2026-07-18 | Krankenkasse HelvetiaUnusual | Standing order | CHF 3'884 |
| 2026-07-15 | Steueramt | SEPA | CHF -6'475 |
| 2026-06-19 | Immobilien Verwaltung AG | SEPA | CHF -3'654 |
| 2026-06-17 | Versicherung Zurich | SWIFT | CHF -3'978 |
Interactions
- Email2026-04-06
Mortgage renewal options discussed by phone.