<p>前任 LLB 首席在 Circle 上展示了 2025 财年的 “令人鼓舞” 的结果。在苏黎世机场，瑞士瑞信集团还为更大的企业客户提供服务，而传统的中小企业贷款则以分散的方式发放，<strong>Gabriel Brenna</strong> 在回应记者提问时表示。新任首席执行官解释说，银行在企业客户业务中的增长不成比例，甚至比私人银行业务的增长更为强劲。</p>
<p>“瑞士大约三分之一的中小企业已经是瑞士瑞信的客户。企业业务产生了约 20% 的营业收入，我们在这里仍然看到相当大的潜力，” 这位工程师和前麦肯锡顾问表示。</p>
<p><strong>许多新存款</strong></p>
<p>新资金的发展同样令人鼓舞。客户存款增加了 5%，总额达到 2260 亿瑞士法郎，各地区的增长基本上得到了支持。大量新资金流入保管账户被投资于可自由支配的资产管理委托中。现在超过四分之一的总投资额通过这样的委托进行管理。根据首席财务官 <strong>Christian Poerschke</strong> 的说法，瑞士瑞信去年通过基金定投计划和类似产品开设了 56,000 个新的保管账户。</p>
<p>“几乎每第二个个人客户与我们有银行关系。然而，在投资方面，这一比例显著较低，因此我们在这里也看到良好的机会，” Brenna 解释道。</p>
<p><strong>Saron 抵押贷款的比例增加</strong></p>
<p>在重要的抵押贷款业务中，市场份额再次略微上升至 18.4%。在结果发布会上，银行表示，考虑到低利率，Saron 抵押贷款的趋势仍在继续。与去年相比，Saron 抵押贷款的比例从 23% 上升至 28%。</p>
<p>净利息收入同比下降了 7% 以上，降至 26 亿瑞士法郎，而 2023 年创纪录的年份为 30 亿瑞士法郎。最终的净利润为 10 亿瑞士法郎。这比去年减少了近 10%，但根据首席财务官 Poerschke 的说法，这仍然是银行 125 年历史上第四好的结果。“考虑到零利率的困难环境，这无疑是一个不错的结果，” Brenna 对结果进行了评论。</p>
<p><strong>新增 250 个职位</strong></p>
<p>与此同时，成本收入比在过去两年中从 51.9% 上升至 59.4%。Brenna 在回应提问时表示，这一关键指标必须再次下降。这主要应通过提高收入来实现。</p>
<p>作为其他措施，瑞士瑞信去年新增了 252 个全职职位。“不是在圣加仑的总部，而是在当地，” Brenna 强调。“起点非常好。现在我们必须更好地利用潜力，特别是在投资业务中，” 新任首席执行官补充道。</p>
<p><strong>Leonteq 的损失</strong></p>
<p>瑞士瑞信对其在 Leonteq 的投资并不满意。“在年度股东大会上，我们要求特别股息，但未能成功，” 首席财务官 Poerschke 解释道。在股东协议到期后，银行做出了反应，并在 “短期谈判” 中大幅减少了其股份。本月早些时候，这家合作银行宣布已将 22.7% 的股份出售给投资者 <strong>Rainer-Marc Frey</strong> 所拥有的公司。瑞士瑞信现在持有 Leonteq 的 7.0% 股份。这导致了 4100 万瑞士法郎的减值。衍生品专家的股票将按照市场价格进行评估。“这意味着 2026 年可能会发生进一步的减值，尽管对结果的影响可能微乎其微，” 首席财务官解释道。</p>
<p><strong>寻找新董事长</strong></p>
<p>对于瑞士第二大银行集团来说，当前年份也标志着 “新的战略时期” 的开始。对于董事长 <strong>Thomas A. Müller</strong> 来说，“现在是将职位交给新人的合适时机，” 银行在去年九月宣布。预计将在六月份的年度股东大会上介绍继任者。同时，Brenna 表示，“正在共同寻找合适的战略”。关键的基石应在夏季之前确定，以便董事会能够直接处理提案，Brenna 解释道。</p>

<p>新任 Raiffeisen 集团首席执行官 Gabriel Brenna 概述了他的短期目标，并展示了 2025 财年的令人鼓舞的业绩。该银行的客户存款增长了 5%，达到了 2260 亿法郎，企业客户业务显著增长。抵押贷款市场份额增加至 18.4%，净利润为 10 亿法郎，比去年下降了 10%。Raiffeisen 创造了 252 个新职位，并专注于改善其成本收入比。该银行还减少了在 Leonteq 的股份，导致了 4120 万法郎的减值，并正在寻找新的董事长</p>

<p>The former LLB chief presented the «encouraging» results for the 2025 financial year at the Circle. At Zurich Airport, the Raiffeisen Group also serves larger corporate clients, while traditional SME loans are granted on a decentralized basis, <strong>Gabriel Brenna</strong> said in response to a journalist’s question. The bank had grown disproportionately in the corporate client business, even more strongly than in private banking, the new CEO explained.</p>
<div class="lb-trans"><p>前任 LLB 首席在 Circle 上展示了 2025 财年的 “令人鼓舞” 的结果。在苏黎世机场，瑞士瑞信集团还为更大的企业客户提供服务，而传统的中小企业贷款则以分散的方式发放，<strong>Gabriel Brenna</strong> 在回应记者提问时表示。新任首席执行官解释说，银行在企业客户业务中的增长不成比例，甚至比私人银行业务的增长更为强劲。</p>
</div><p>«Around one third of all SMEs in Switzerland are already Raiffeisen clients. The corporate business generates around 20 percent of operating income, and we still see considerable potential here,» said the engineer and former McKinsey consultant.</p>
<div class="lb-trans"><p>“瑞士大约三分之一的中小企业已经是瑞士瑞信的客户。企业业务产生了约 20% 的营业收入，我们在这里仍然看到相当大的潜力，” 这位工程师和前麦肯锡顾问表示。</p>
</div><p><strong>Many New Depots</strong></p>
<div class="lb-trans"><p><strong>许多新存款</strong></p>
</div><p>The development in new money was also encouraging. Client deposits increased by 5 percent to a total of 226 billion francs, with growth broadly supported across regions. A large portion of the inflow of new money into custody accounts is being invested in discretionary asset management mandates. More than a quarter of the total investment volume is now managed through such mandates. Through fund savings plans and similar products, Raiffeisen opened 56,000 new custody accounts last year, according to CFO <strong>Christian Poerschke</strong>.</p>
<div class="lb-trans"><p>新资金的发展同样令人鼓舞。客户存款增加了 5%，总额达到 2260 亿瑞士法郎，各地区的增长基本上得到了支持。大量新资金流入保管账户被投资于可自由支配的资产管理委托中。现在超过四分之一的总投资额通过这样的委托进行管理。根据首席财务官 <strong>Christian Poerschke</strong> 的说法，瑞士瑞信去年通过基金定投计划和类似产品开设了 56,000 个新的保管账户。</p>
</div><p>«Almost every second private individual has a banking relationship with us. In investments, however, the share is significantly lower, and accordingly we see good opportunities here as well,» Brenna explained.</p>
<div class="lb-trans"><p>“几乎每第二个个人客户与我们有银行关系。然而，在投资方面，这一比例显著较低，因此我们在这里也看到良好的机会，” Brenna 解释道。</p>
</div><p><strong>Increasing Share of Saron Mortgages</strong></p>
<div class="lb-trans"><p><strong>Saron 抵押贷款的比例增加</strong></p>
</div><p>In the important mortgage business, the market share increased slightly again to 18,4 percent, the bank said during the presentation of the results. Given the low interest rates, the trend towards Saron mortgages continues. Year on year, the share of Saron mortgages rose from 23 to 28 percent.</p>
<div class="lb-trans"><p>在重要的抵押贷款业务中，市场份额再次略微上升至 18.4%。在结果发布会上，银行表示，考虑到低利率，Saron 抵押贷款的趋势仍在继续。与去年相比，Saron 抵押贷款的比例从 23% 上升至 28%。</p>
</div><p>Net interest income fell by just over 7 percent to 2,6 billion francs, compared with 3,0 billion francs in the record year of 2023. The bottom line was a net profit of 1,0 billion francs. This is almost 10 percent less than in the previous year but, according to CFO Poerschke, still the fourth-best result in the bank’s 125-year history. «Given the difficult environment of zero interest rates, this is certainly a good result,» Brenna commented on the outcome.</p>
<div class="lb-trans"><p>净利息收入同比下降了 7% 以上，降至 26 亿瑞士法郎，而 2023 年创纪录的年份为 30 亿瑞士法郎。最终的净利润为 10 亿瑞士法郎。这比去年减少了近 10%，但根据首席财务官 Poerschke 的说法，这仍然是银行 125 年历史上第四好的结果。“考虑到零利率的困难环境，这无疑是一个不错的结果，” Brenna 对结果进行了评论。</p>
</div><p><strong>250 Additional Jobs</strong></p>
<div class="lb-trans"><p><strong>新增 250 个职位</strong></p>
</div><p>At the same time, the cost-income ratio has increased over the past two years from 51,9 to 59,4 percent. This key metric must fall again, Brenna said in response to a question. This should primarily be achieved through higher revenues.</p>
<div class="lb-trans"><p>与此同时，成本收入比在过去两年中从 51.9% 上升至 59.4%。Brenna 在回应提问时表示，这一关键指标必须再次下降。这主要应通过提高收入来实现。</p>
</div><p>Among other measures, Raiffeisen created 252 additional full-time positions last year. «Not at the headquarters in St. Gallen, but locally,» Brenna emphasized. «The starting position is excellent. Now we must make better use of the potential, particularly in the investment business,» the new chief executive added.</p>
<div class="lb-trans"><p>作为其他措施，瑞士瑞信去年新增了 252 个全职职位。“不是在圣加仑的总部，而是在当地，” Brenna 强调。“起点非常好。现在我们必须更好地利用潜力，特别是在投资业务中，” 新任首席执行官补充道。</p>
</div><p><strong>Loss on Leonteq</strong></p>
<div class="lb-trans"><p><strong>Leonteq 的损失</strong></p>
</div><p>Raiffeisen was less pleased with its stake in Leonteq. «At the annual general meeting we had demanded a special dividend, but we were unsuccessful,» CFO Poerschke explained. After the shareholder agreement expired, the bank reacted and significantly reduced its stake in «short negotiations». Earlier this month, the cooperative bank announced that it had sold a 22,7 percent stake to a company owned by investor <strong>Rainer-Marc Frey</strong>. Raiffeisen now holds a 7,0 percent stake in Leonteq. This resulted in a write-down of 41,2 million francs. The shares of the derivatives specialist will now be valued at market prices. «This means that further write-downs could occur in 2026, although the impact on the result is likely to be marginal,» the CFO explained.</p>
<div class="lb-trans"><p>瑞士瑞信对其在 Leonteq 的投资并不满意。“在年度股东大会上，我们要求特别股息，但未能成功，” 首席财务官 Poerschke 解释道。在股东协议到期后，银行做出了反应，并在 “短期谈判” 中大幅减少了其股份。本月早些时候，这家合作银行宣布已将 22.7% 的股份出售给投资者 <strong>Rainer-Marc Frey</strong> 所拥有的公司。瑞士瑞信现在持有 Leonteq 的 7.0% 股份。这导致了 4100 万瑞士法郎的减值。衍生品专家的股票将按照市场价格进行评估。“这意味着 2026 年可能会发生进一步的减值，尽管对结果的影响可能微乎其微，” 首席财务官解释道。</p>
</div><p><strong>Search for a New Chairman</strong></p>
<div class="lb-trans"><p><strong>寻找新董事长</strong></p>
</div><p>For Switzerland’s second-largest banking group, the current year also marks the start of a «new strategic period». For chairman <strong>Thomas A. Müller</strong>, this is «the right time to hand over the position to new hands», the bank announced last September. A successor is expected to be presented by the annual general meeting in June. At the same time, according to Brenna, «the joint search for the right strategy» is under way. The key cornerstones should be defined by summer so that the board of directors can deal directly with the proposals, Brenna explained.</p>
<div class="lb-trans"><p>对于瑞士第二大银行集团来说，当前年份也标志着 “新的战略时期” 的开始。对于董事长 <strong>Thomas A. Müller</strong> 来说，“现在是将职位交给新人的合适时机，” 银行在去年九月宣布。预计将在六月份的年度股东大会上介绍继任者。同时，Brenna 表示，“正在共同寻找合适的战略”。关键的基石应在夏季之前确定，以便董事会能够直接处理提案，Brenna 解释道。</p>
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新任瑞士信贷首席执行官的目标