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Richard credit Swiss has become the latest Investment Bank to unveil a restructuring although I think in this case it looks fairly modest what exactly is the substance behind this separation of private banking from Investment Banking the the substance is actually the hardest thing to find in the announcement there's a terrific amount of flannel but what what it looks as though they've done is merely relabeled private banking and asset management as a kind of private banking and wealth Division and then they've got an investment banking division but to be frank I think investors have always thought of them as half Investment Bank and half wealth manager so I I think this probably has more to do with cating Regulators um having two divisions with a couple of co-heads each across four regions one of which is the all important Switzerland of course should should make things easier they may also get some cost savings out of it but really it it looks pretty meaningles

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