Clients
Patrick Dubois
PrivateIndividual · Client since 2018 · Luzern, LU · KYC: Standard
Relationship manager
Fabian Perret
Corporate & Institutional · Lugano
Cash
CHF 1.27m
Deposits
CHF 1.83m
Investments
CHF 2.80m
Lending
CHF 2.38m
Net flow 30d CHF 288k
Relationship summary
Synthetic banking dataPrivate client in the Private segment, with the bank since 2018 and based in Luzern. Total deposits CHF 1'830'600, investments CHF 2'797'500, lending CHF 2'381'000. Net flow over the last 30 days is CHF 288'200, and a SARON mortgage of CHF 2'381'000 renews in 223 days. 1 opportunity signal is currently open.
- Pension planning
- CHF 94'500 · Retirement planning appointment
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH81 0076 9519 4558 2408 3 | CHF | CHF 636'400 |
| Savings | CH18 0076 5515 6488 4549 7 | CHF | CHF 557'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Renditeobjekt, Luzern · renews in 223 d | 2.09% | CHF 2'381'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Structured | Money Market CHF | CHF 1'315'600 | -5.4% |
| Cash | CHF Corporate Bonds | CHF 1'481'900 | 2.0% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Pension planning | Pillar 3a contributions below the annual maximum; CHF 287'000 shortfall. | 74% | CHF 95k | Retirement planning appointment |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-07-29 | Globus | Standing order | CHF -4'476 |
| 2026-07-25 | Steueramt | Internal | CHF 5'196 |
| 2026-07-10 | Krankenkasse Helvetia | SWIFT | CHF 194 |
| 2026-06-28 | Globus | SIC | CHF 7'129 |
| 2026-06-20 | Apotheke Zentrum | SWIFT | CHF -730 |
| 2026-06-19 | SBB Ticketing | Standing order | CHF -2'513 |
Interactions
- Advisory meeting2026-07-09
Portfolio performance review meeting.
- Advisory meeting2026-06-07
Portfolio performance review meeting.