Cred Credit Suisse信号转向财富管理的首席执行官

Tidjane Thiam，U.K.保险公司负责人的惊喜约会，以取代信贷瑞士的长期CEO，Brady Dougan，预计将加快瑞士银行的转型进入更多的财富经理。鉴于瑞士银行对投资银行业务的传统重点，鉴于瑞士银行的传统重点，问题是泰国最佳才能实现这一问题。

At a Tuesday press conference at Credit Suisse headquarters in Zurich, the 52-year-old Thiam, a native of Côte d’Ivoire, said he would offer no details on his plans before taking over in June. “I am convinced this is a great opportunity for growth, especially in the area of wealth management,” he said. He played down the fact that his résumé doesn’t include any stints at investment banking and noted that at Prudential he often immersed himself in derivatives and hedging. “So I am very confident I can understand everything an investment bank does,” he said.

但信用瑞士委员会成员明确了他们在管理保险客户管理资产的经验中取得了清晰。吕·罗纳主席指出，该银行已经遭到了杜根托成，为投资银行业提供了财富管理的资金。后者目前使用该集团的58％的资本，从2009年的65％下降。“很明显，随着今天的公告，这将继续和加速，”罗纳坐在泰国和杜根之间的罗纳说。

Shareholders welcomed the prospect of a greater emphasis on财富管理，这需要资本少于投资银行，并产生廉价收益。信贷瑞士股票价格上涨超过8％的苏黎世证券交易所在经营变革公告后周二。该股份于苏黎世周三周三下午25:11瑞士法郎，股价上涨了11棵。（法郎目前与美元的虚拟奇偶校验。）

全球监管机构对投资银行的资本要求大幅提高，以避免重播金融危机。瑞士政府将宣布瑞士信贷甚至是瑞士信贷规则UBS, the country’s two big banks, later this year. UBS, which always has been more of a wealth manager, began to seriously downsize its investment bank three years ago. “But Credit Suisse has a very strong investment banking culture, so there probably won’t be as dramatic a shift toward wealth management as we saw at UBS,” predicts Andreas Venditti, a Zurich-based analyst at Vontobel Bank.

Despite controversies, Dougan, still only 55, has remained at the helm of Credit Suisse for eight years. He is one of only three CEOs of major international banks — alongside Lloyd Blankfein of Goldman Sachs Group and杰米·迪蒙of JPMorgan Chase & Co. — who have held their posts since the financial crisis erupted. Dougan steered Credit Suisse through the turmoil without the need of a Swiss taxpayer bailout, unlike UBS. Subsequently, he had to pare back the investment bank’s fixed-income business after a costly expansion of its government bond–trading business failed to generate significant profits.

There were calls by Swiss politicians for his resignation last year after Credit Suisse pleaded guilty to U.S. criminal charges and paid $2.6 billion in fines for helping Americans evade income taxes with Swiss accounts. The bank’s net income fell 19 percent last year, to Sf1.9 billion, and its share price fell by 29 percent in 2014, compared with a drop of 11 percent for the STOXX Europe 600 Banks index.

最近几个月爸爸似乎更安全。但瑞士信贷现在说，他和罗纳开始寻找他的继任者在银行和外面都落下。

Thiam has also mixed controversy with success. Born in Côte d’Ivoire to a wealthy family, he moved to Paris, where he obtained engineering degrees from the prestigious École Polytechnique and the École Nationale Supérieure des Mines de Paris, then went on to receive an MBA from INSEAD. After several years at consultants McKinsey & Co. in Paris and New York, he moved back to Côte d’Ivoire and became minister of Planning and Development. In 1999 the government was overthrown, and Thiam fled back to Paris, where he returned to McKinsey as a partner.

Thiam joined Aviva in 2002 as head of strategy and development. He rose to chief executive of Aviva Europe and executive director with a seat on the U.K. insurer’s board, and was touted as heir apparent to then-CEO Richard Harvey. But he left in 2008 to join Prudential as its CFO and rose to CEO the following year. He came close to losing that post in 2010 when dissident shareholders blamed him for mishandling a failed $36 billion bid by Prudential for AIA Group, the pan-Asian insurer that was then an arm of the ailing American International Group. But under Thiam, Prudential’s market cap has almost tripled, to £42 billion ($63 billion). The announcement of his departure caused the insurer’s stock price to fall by 3 percent on Tuesday; it rebounded by 14.5 pence on Wednesday to stand at £16.265.

Thiam will face a number of challenges at Credit Suisse. Return on equity was only 4.4 percent last year, not even close to Dougan’s 15 percent target. The bank’s 80 percent cost-to-income ratio was well above the 70 percent level Credit Suisse was aiming for. “Of course, there are difficulties — that’s beyond question,” said Thiam at the press conference. Like Dougan, he sees affluent Asians as the biggest growth market both in investment banking and wealth management.

杜根将在整个过渡期间留在瑞士信贷上，并表示他还没有任何未来的计划。“我认为我们有很多值得骄傲的是，”他在新闻发布会上说。“我可以做些什么不同的事情，应该做出不同的方式。”