瑞士信貸(Credit Suisse)重組瑞士業(yè)務(wù)，吸引零售、年輕客戶

瑞士信貸(Credit Suisse)重組瑞士業(yè)務(wù)，吸引零售、年輕客戶

Credit Suisse (CSGN.S) will invest hundreds of millions of francs in its Swiss division by the end of 2021, the country’s second-biggest bank said on Monday, as it creates a new business area, Direct Banking, for retail and commercial clients.

瑞士信貸(csgn.s)周一表示，到2021年底，該國(guó)第二大銀行瑞士分行將投資數(shù)億法郎，為零售和商業(yè)客戶打造一個(gè)新的業(yè)務(wù)領(lǐng)域——直接銀行業(yè)務(wù)。

Investments “in the high three-digit million range” through 2021 will include boosting its Swiss Universal Bank’s (SUB) digital offering, hiring client advisers, marketing and sponsorships, Credit Suisse said in a statement.

瑞士信貸(Credit Suisse)在一份聲明中表示，到2021年，“高達(dá)300萬(wàn)美元的投資范圍”將用于包括擴(kuò)大其瑞士環(huán)球銀行(Swiss Universal Bank)的(SUB)數(shù)字業(yè)務(wù)、聘請(qǐng)客戶顧問(wèn)、營(yíng)銷和贊助。

Credit Suisse, which in 2015 had planned a partial IPO for the Swiss unit but later opted for a rights offering to raise money, is creating the Direct Banking business area starting Sept. 1 for retail and commercial clients who use core banking products.

瑞士信貸(Credit Suisse)計(jì)劃于2015年為瑞士子公司進(jìn)行部分IPO，但后來(lái)選擇了配股籌集資金，目前正從9月1日起為使用核心銀行產(chǎn)品的零售和商業(yè)客戶創(chuàng)建直接銀行業(yè)務(wù)領(lǐng)域。

The new business area will have about one million retail clients, 60,000 commercial clients, and more than 500 employees and will be run by Mario Crameri.

新商業(yè)區(qū)將擁有100萬(wàn)零售客戶、6萬(wàn)商業(yè)客戶和500多名員工，由馬里奧·克里米管理。

“Credit Suisse’s market share tends to be lower in Swiss retail banking and among young bank clients than in most other client segments,” it said.

“瑞士信貸在瑞士零售銀行和年輕銀行客戶中的市場(chǎng)份額，往往低于大多數(shù)其他客戶群體。”該公司表示。

“Against this backdrop, Credit Suisse has decided to adjust the business model of its Swiss division and to make substantial investments.”

“在此背景下，瑞士信貸決定調(diào)整其瑞士分部的業(yè)務(wù)模式，并進(jìn)行大量投資。”

The Swiss division is sticking with financial targets communicated at Credit Suisse’s 2018 investor day: above-market growth in revenue and client business volume, a cost-to-income ratio of less than 60%, further profitable growth over the medium term and a return on regulatory capital of more than 18%.

瑞士分部堅(jiān)持在2018年瑞士信貸投資者日公布的財(cái)務(wù)目標(biāo)：收入和客戶業(yè)務(wù)量高于市場(chǎng)增長(zhǎng)，成本收入比低于60%，中期利潤(rùn)進(jìn)一步增長(zhǎng)，監(jiān)管資本回報(bào)率超過(guò)18%。