Clients
Urs Roth
RetailIndividual · Client since 2011 · Luzern, LU · KYC: Standard
Relationship manager
Patrick Frei
Corporate & Institutional · Zug
Cash
CHF 62k
Deposits
CHF 109k
Investments
CHF 0
Lending
CHF 718k
Net flow 30d CHF 15k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2011 and based in Luzern. Total deposits CHF 108'900, investments CHF 0, lending CHF 718'000. Net flow over the last 30 days is CHF 14'600, and a SARON mortgage of CHF 718'000 renews in 482 days. 1 opportunity signal is currently open.
- Salary increase
- CHF 340'000 · Savings and pension review
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH29 0076 3320 7596 9154 1 | CHF | CHF 61'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Eigentumswohnung, Luzern · renews in 482 d | 2.53% | CHF 718'000 |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Salary increase | Recurring salary credit increased to CHF 467'000 per month. | 79% | CHF 340k | Savings and pension review |
| Risk | Model output on synthetic data — illustrative only. | 55% | — | Attrition propensity |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-20 | Versicherung Zurich | Internal | CHF -5'640 |
| 2026-07-18 | Coop Supermarkt | SIC | CHF -1'734 |
| 2026-07-16 | Restaurant Rebstock | SIC | CHF -7'643 |
| 2026-06-23 | SBB Ticketing | SIC | CHF 6'731 |
| 2026-06-19 | Digitec Galaxus | SEPA | CHF 6'904 |
| 2026-06-15 | Swisscom | SWIFT | CHF -2'895 |
Interactions
- Branch2026-01-22
Card limit increase requested.
- Advisory meeting2025-11-29
Card limit increase requested.