Reto Lehmann

Affluent

Individual · Client since 1999 · Luzern, LU · KYC: Standard

Relationship manager

Zoé Graf

Retail & Affluent · Zürich Paradeplatz

Cash

CHF 415k

Deposits

CHF 934k

Investments

CHF 2.08m

Lending

CHF 660k

Net flow 30d CHF 286k

Relationship summary

Synthetic banking data

Private client in the Affluent segment, with the bank since 1999 and based in Luzern. Total deposits CHF 934'000, investments CHF 2'075'800, lending CHF 660'000. Net flow over the last 30 days is CHF 285'600, and a Fixed mortgage of CHF 660'000 renews in 358 days. 1 opportunity signal is currently open.

Mortgage renewal: CHF 393'000 · Relationship manager contact

Accounts

Type	IBAN	Currency	Balance
Current	CH88 0076 2591 9321 9901 7	CHF	CHF 207'600
Custody	CH37 0076 9827 9010 4739 4	CHF	CHF 2'075'800

Lending

Facility	Detail	Rate	Balance
Mortgage	Fixed · Eigentumswohnung, Luzern · renews in 358 d	1.21%	CHF 660'000

Portfolio

Asset class	Instrument	Value	YTD
Bonds	European Equity Fund	CHF 1'001'000	8.8%
Funds	Multi-Asset Balanced	CHF 388'300	10.7%
Structured	CHF Corporate Bonds	CHF 686'500	-2.4%

Opportunities and signals

Type	Reason	Confidence	Value	Action
Mortgage renewal	Mortgage balance of CHF 549'000 approaching renewal.	55%	CHF 393k	Relationship manager contact

Recent transactions

Latest 12

Date	Description	Channel	Amount
2026-08-09	Apotheke Zentrum	SWIFT	CHF 5'296
2026-07-29	Versicherung Zurich	SEPA	CHF -5'248
2026-07-05	Restaurant Rebstock	SEPA	CHF 8'063
2026-06-27	SBB Ticketing	Standing order	CHF 5'515
2026-06-25	Restaurant RebstockUnusual	Standing order	CHF -227'790
2026-06-21	Elektrizitätswerk	SWIFT	CHF -5'797

Interactions

Advisory meeting2026-07-15
Card limit increase requested.
Email2026-01-09
E-banking support request — resolved.
Email2025-06-29
Pension planning consultation booked.