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

瑞士信貸(Credit Suisse)重組瑞士業(yè)務，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)客戶打造一個新的業(yè)務領(lǐng)域——直接銀行業(yè)務。

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300萬美元的投資范圍”將用于包括擴大其瑞士環(huán)球銀行(Swiss Universal Bank)的(SUB)數(shù)字業(yè)務、聘請客戶顧問、營銷和贊助。

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)計劃于2015年為瑞士子公司進行部分IPO，但后來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100萬零售客戶、6萬商業(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)務模式，并進行大量投資。”

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%.

瑞士分部堅持在2018年瑞士信貸投資者日公布的財務目標：收入和客戶業(yè)務量高于市場增長，成本收入比低于60%，中期利潤進一步增長，監(jiān)管資本回報率超過18%。