Clients
Nicolas Keller
PrivateIndividual · Client since 1987 · Luzern, LU · KYC: Standard
Relationship manager
Lukas Marti
Private Clients · St. Gallen
Cash
CHF 3.30m
Deposits
CHF 3.58m
Investments
CHF 4.37m
Lending
CHF 1.75m
Net flow 30d CHF 1.01m
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 1987 and based in Luzern. Total deposits CHF 3'578'100, investments CHF 4'374'100, lending CHF 1'755'000. Net flow over the last 30 days is CHF 1'012'400, and a SARON mortgage of CHF 1'755'000 renews in 778 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH96 0076 3112 5378 2777 0 | USD | CHF 1'648'800 |
| Savings | CH71 0076 7252 7246 3536 6 | CHF | CHF 280'600 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Mehrfamilienhaus, Luzern · renews in 778 d | 2.12% | CHF 1'755'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Bonds | European Equity Fund | CHF 1'859'800 | -5.8% |
| Funds | Global Equity Fund | CHF 667'800 | 13.2% |
| Structured | Multi-Asset Balanced | CHF 1'846'500 | 4.5% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Krankenkasse Helvetia | SWIFT | CHF -3'917 |
| 2026-07-29 | Steueramt | SWIFT | CHF -6'266 |
| 2026-07-27 | Migros | SWIFT | CHF 2'923 |
| 2026-07-17 | Steueramt | Standing order | CHF -5'216 |
| 2026-07-17 | Steueramt | Card | CHF -3'528 |
| 2026-07-08 | Swisscom | SIC | CHF 901 |
Interactions
- E-banking2026-08-01
Mortgage renewal options discussed by phone.
- Email2025-12-21
Portfolio performance review meeting.
- Email2025-09-23
Portfolio performance review meeting.