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.

瑞士信贷(csgn.s)周一表示，到2021年底，该国第二大银行瑞士分行将投资数亿法郎，为零售和商业客户打造一个新的业务领域——直接银行业务。

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.

瑞士信贷(Credit Suisse)在一份声明中表示，到2021年，“高达300万美元的投资范围”将用于包括扩大其瑞士环球银行(Swiss Universal Bank)的(SUB)数字业务、聘请客户顾问、营销和赞助。

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.

瑞士信贷(Credit Suisse)计划于2015年为瑞士子公司进行部分IPO，但后来选择了配股筹集资金，目前正从9月1日起为使用核心银行产品的零售和商业客户创建直接银行业务领域。

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.

新商业区将拥有100万零售客户、6万商业客户和500多名员工，由马里奥·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.

“瑞士信贷在瑞士零售银行和年轻银行客户中的市场份额，往往低于大多数其他客户群体。”该公司表示。

“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，瑞士信贷决定调整其瑞士分部的业务模式，并进行大量投资。”

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%.

瑞士分部坚持在2018年瑞士信贷投资者日公布的财务目标：收入和客户业务量高于市场增长，成本收入比低于60%，中期利润进一步增长，监管资本回报率超过18%。