with client_account as (
select 'Иванов' client_nm, 'РКО' account_type, 2 account_cnt union all
select 'Иванов' client_nm, 'НСО' account_type, 1 account_cnt union all
select 'Петров' client_nm, 'РКО' account_type, 1 account_cnt union all
select 'Петров' client_nm, 'ОД по кредиту' account_type, 2 account_cnt union all
select 'Петров' client_nm, 'Проценты по кредиту' account_type, 2 account_cnt union all
select 'Сидоров' client_nm, 'РКО' account_type, 3 account_cnt union all
select 'Сидоров' client_nm, 'РКО' account_type, 1 account_cnt union all
select 'Сидоров' client_nm, 'Депозит' account_type, 4 account_cnt
)
select sum(passive_acc_cnt)
from (select client_nm, sum(account_cnt) passive_acc_cnt
from client_account
where account_type in ('РКО', 'НСО', 'Депозит')
group by 1
having sum(account_cnt)<3
) t