• 27 Jan 2012 at 11:57 AM

Bonus Watch ’12: Credit Suisse

“People are furious.”

“Bonuses were communicated at CS yesterday. Total bloodbath. My class (first year associate, industry coverage, not stub) range was 20k to 100k (really). Mid bucket was 60k to 70k. Easy 30 to 40 percent below the Street. People are furious. Lots are expected to leave. Bonus was barely half of RBC. VPs and directors 10 to 20 percent below the street but associates took the biggest hits. We were told to expect the opposite.”

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Comments (234)

  1. Posted by sme | January 27, 2012 at 12:13 PM

    "where you gonna go?"

    -gorman

  2. Posted by guest | January 27, 2012 at 12:15 PM

    Let them leave!

  3. Posted by Z... | January 27, 2012 at 12:19 PM

    Join the club!

    S. Hester

  4. Posted by SenorBrightside | January 27, 2012 at 12:22 PM

    So the % decreases are only of those that got bonuses or in total? If the latter, then they faired better than they should of in such a volatile environment.

    Kinda tough to sympathize with someone who got a 80K bonus instead of 100K, in this economy.

  5. Posted by Mont Blanc | January 27, 2012 at 12:22 PM

    Mont Blanc

    Ladies and Gentlemen,
    Please turn off the lights when leaving….. there is always work at the post office…, wait, scratch that.

    Peace Corps? Teach America? Red Cross? ahhh, Park Service…, errr how about we just take a walk out to the woodshed John…nice and easy, that's it.

    MB

  6. Posted by FKApmco | January 27, 2012 at 12:25 PM

    Dear Furious: time to jump ship. I recommend an email to Bob Diamond around 6.30pm EST on Feb 5th. You need to distinguish yourself from the other 106,999 resumes.

  7. Posted by Guest-a-rama | January 27, 2012 at 12:30 PM

    Doesn't sound too bad, really . . .

    - C.S. CMBS Croup

  8. Posted by Guest | January 27, 2012 at 12:30 PM

    Anyone else laugh when they read "Lots are expected to leave?"

  9. Posted by Former analyst | January 27, 2012 at 12:37 PM

    They finally realized associates dont do anything.

  10. Posted by Dumb and Dumber | January 27, 2012 at 12:39 PM

    Why don't we ever get S&T numbers here?

    - guy who asks dumb questions

  11. Posted by Checkout | January 27, 2012 at 12:39 PM

    RBC is a PROFITABLE bank. I know it's hard to process.

  12. Posted by Jackwagon | January 27, 2012 at 12:42 PM

    Better than the swift kick in the pants and "thanks for coming don't let the door hit your ass on the way out" we got a few months ago.

    - C.S. CMBS Group, II

  13. Posted by Put_Option | January 27, 2012 at 12:42 PM

    EXECUTIVE NOTICE TO ALL DISGRUNTLED CS EMPLOYEES!

    So bonuses were lower than expected? Are you tired of not making mad $$$? If you answered yes, then it's time to open up a boutique shop. That whole non-compete thing and garden leave business aren't binding nor are they enforced. So take your sell-side book and just buy a shell Broker/Dealer. Don't worry FINRA won't make you jump through 1000 hoops before registering you, and the principal who you thought was only going to stay on for a 1yr, well it may be more like 5.

    But you are the boss. You make your own hours. Potential to make $$$$$$$$. Like fuck you money. Like enough money that people will automatically respect you, no matter how much of a cynical asshole you are. Its time to move up.

    - HR JT Marlin

  14. Posted by Confused CS | January 27, 2012 at 12:44 PM

    Furiously being furious while making some "mist."

  15. Posted by Guest | January 27, 2012 at 12:48 PM

    RBC really paid out 100k+ to first years?

  16. Posted by Adult distractions | January 27, 2012 at 12:49 PM

    People are furious….furiously jacking off under their desks because high priced hookers are suddenly out of reach. Going from Eva the Supermodel Moldovan Dominatrix to Suki Suki at the massage parlor is the NKI.

  17. Posted by MIT | January 27, 2012 at 12:50 PM

    Hey guys, me again — I reread my post from yesterday and I can see where some of you are coming from thinking I’m a dork or whatever, but I really am not and am actually pretty good with girls. To be clear, I could've slept with one of my associates and one of my directors, but I’m actually very picky when it comes to girls and the associate was only a 4 or 5. The director was hot, like an 8, but she was so senior so I didn’t want anything bad to happen to my job. I think that I’m decently good looking and I wear fitted shirts and stuff, so all that stuff is in check. But this girl at work is way hot; otherwise I wouldn’t usually fall for the girl so badly. I know many people said that my car is girly or for old moms or whatever, but maybe you don’t actually know what a BMW Z4 is, or you’re from the south or something. It’s a really hot car and I get compliments about it all the time and I know that if she saw me in it, she would be impressed. I just need to find a way to bump into her while I’m at my car. And no, this isn't Matt, or this comment would include a formula on how to get this girl lol.

  18. Posted by Gunny | January 27, 2012 at 12:50 PM

    They should bring in R. Lee Ermey to hand out the bonus checks every year and address any complaints the associates might have. Wall Street meets Full Metal Jacket.

  19. Posted by Charlie G | January 27, 2012 at 12:52 PM

    Junior bankers = milquetoasts, all of em

  20. Posted by The Truth | January 27, 2012 at 12:53 PM

    Bore me once, shame on you. Bore me twice, go kill yourself.

  21. Posted by Guestest | January 27, 2012 at 12:55 PM

    Yeah, and for lax use of "Total bloodbath."

  22. Posted by Guestest | January 27, 2012 at 12:59 PM

    “People are furious.”

    Hah, I give a shit.

    B Dougan (photo caption)

  23. Posted by Brady | January 27, 2012 at 1:03 PM

    "…and I know that if she saw me in it, she would be impressed. "

    No. She will not.

  24. Posted by Craigslist Aanlyst | January 27, 2012 at 1:03 PM

    I'd also throw in that you played quarterback in high school, then you're set.

  25. Posted by Your Dad | January 27, 2012 at 1:06 PM

    Where do I begin. First of all, for the price of a Z4 you could've bought something far less gay. And that's pretty sick that you could have slept with your associate. Know what would really be cool? If you DID sleep with her. Certainly would have helped rationalize your fitted shirts purchases.

    I should throw you out of a high-rise window solely for ending your comment with "lol."

  26. Posted by Bro | January 27, 2012 at 1:07 PM

    You lax too?

  27. Posted by Guest of Guest | January 27, 2012 at 1:09 PM

    Oh the humanity… Michael Andrews Bespoke is already laying people off b/c lots of CS associates are expected to leave

  28. Posted by Guest | January 27, 2012 at 1:11 PM

    What the hell is a 4 or 5? I've always been under the impression that the only scale that mattered was 0 to 1?

  29. Posted by Guest | January 27, 2012 at 1:11 PM

    It was okay.

    - guy who gets sarcasm, but didn't really sense a plotline or point in the above.

  30. Posted by CS associate | January 27, 2012 at 1:13 PM

    Just called Per Se..

    PRETENDED TO HAVE RECEPTION ISSUE WHEN THEY ANSWERED.

  31. Posted by Danny McDance | January 27, 2012 at 1:14 PM

    Your car is gay.

  32. Posted by Dennis Kneale | January 27, 2012 at 1:17 PM

    Do you live in the city?

  33. Posted by Guest | January 27, 2012 at 1:19 PM

    Not bad, though I would have made the car a Miata and thrown in the term "slam piece". In that case I would give you a +1.

  34. Posted by Guest | January 27, 2012 at 1:21 PM

    paging joke briefer or weirdness briefer or whoever can help me figure out how best to provide a witty but not overly debilitating response. Thanks in advance.

  35. Posted by Mexi_Cant | January 27, 2012 at 1:23 PM

    <3

  36. Posted by GoodAsGoldman | January 27, 2012 at 1:24 PM

    There will always be another batch of know nothing Associates ready to join from upper to mid-tier bschools. Why pay these tools when you can have another class of Kellogg MBAs who worked at AT Kearney for two years after graduating with a 3.5 from Bucknell.

    You've been commoditized. Fund your newly minted Roth IRA and GTFO.

  37. Posted by The Girl | January 27, 2012 at 1:25 PM

    Don't come anywhere near me or I'll call the cops.

    - The Girl

  38. Posted by Gomer Pyle | January 27, 2012 at 1:26 PM

    This is my pitch book, there are many others like it but this one is mine.

  39. Posted by Guest | January 27, 2012 at 1:26 PM

    The sheer thrill of providing a tip to DealBreaker should reward enough.

    - CS MD

  40. Posted by Whoops | January 27, 2012 at 1:32 PM

    One day, I'll be able to understand people who go to work for failing banks out of undergrad/b-school and expect a bonus.

  41. Posted by Scotia | January 27, 2012 at 1:33 PM

    Exactly, no dicking around, "trading" or hustling people with bullshit deals.

    Real bank.

  42. Posted by guest | January 27, 2012 at 1:34 PM

    should have started and ended with tldr

  43. Posted by Guest | January 27, 2012 at 1:34 PM

    Posted yesterday under the first reponse here: http://dealbreaker.com/2012/01/bonus-watch-12-ban

    - Not the Joke Briefer but a fan of his work

  44. Posted by RBS_Quant | January 27, 2012 at 1:38 PM

    So Like how hot are we talking?

    Like Lynn Tilton, I'd hit it only because she's my boss and wants it? or like Daniela Rausnitz, I'd stalk her until I made it onto the front page of the news paper hot?

    Think carefully because the answer to that question will lead to…

  45. Posted by n/a | January 27, 2012 at 1:37 PM

    kill yourself

  46. Posted by Quanttrader | January 27, 2012 at 1:38 PM

    Sort of agree with MIT; 3.5is Z4 with M package is sick!

  47. Posted by Merchant Refugee | January 27, 2012 at 1:38 PM

    Busting your ass for that 4.0 GPA and those 100 hour weeks worked out well for ya, huh?

    -your slacker C student roommate and barista extraordinaire

  48. Posted by Guest | January 27, 2012 at 1:40 PM

    I need the Karma points so ride your Razor to work on Monday and have your friend (if you have one) call her extension directly and pretend to be a mechanic stating that your'e sweet BMW Z4 is ready. When she corrects the mechanic have him blame it on the receptionist and say he was trying to reach you.

  49. Posted by NYrebel2003 | January 27, 2012 at 1:43 PM

    Three words: Chase debit card

  50. Posted by Invitado | January 27, 2012 at 1:47 PM

    3.5? haha Bucknell is mid

  51. Posted by MIT | January 27, 2012 at 1:47 PM

    She look like Miranda Kerr, but Jewish.

  52. Posted by guest | January 27, 2012 at 1:55 PM

    4.0 and they ended up at CS? Doing it wrong.

  53. Posted by Nigela Merkozy | January 27, 2012 at 1:56 PM

    0 to 1, mate? It's not correlation; or the talent at a MIT undergrad recruiting event

  54. Posted by Rickster | January 27, 2012 at 2:00 PM

    If I was Credit Suisse, I wouldn't have even paid bonuses to associates. Associates add zero value, are easily replaceable and soon their jobs will be outsourced to India

  55. Posted by Tu Madre | January 27, 2012 at 2:03 PM

    so dumb

  56. Posted by Joe | January 27, 2012 at 2:05 PM

    So where are you going to get VPs, directors and future MDs from moron. 90% of them started as associates.

  57. Posted by CS Banker | January 27, 2012 at 2:07 PM

    not bad for associates

  58. Posted by guest | January 27, 2012 at 2:08 PM

    go bison

  59. Posted by UBS director | January 27, 2012 at 2:14 PM

    think folks in India have better options now

  60. Posted by OWS spy | January 27, 2012 at 2:16 PM

    whats the range for A2 , A3 and VP1

  61. Posted by Guest | January 27, 2012 at 2:20 PM

    I went from stagiaire (intern) to VP. True story.

    - BSD at French Bank

  62. Posted by Cut Me | January 27, 2012 at 2:23 PM

    It made it took it from slow and gay, to fast and gay.

  63. Posted by Cut Me | January 27, 2012 at 2:24 PM

    See, you're approaching this at the wrong angle. Everyone knows that the size of the penis is inversely proportional to the quality of the car.
    -1998 Civic Owner

  64. Posted by El Guesto | January 27, 2012 at 2:27 PM

    Tu madre me la chupa mientras le meto un chile a tu hermana.

  65. Posted by 2padspersecretary | January 27, 2012 at 2:30 PM

    Some middle-aged Nebraskan insurance salesman would kill for those bonus numbers

  66. Posted by blahblahblah | January 27, 2012 at 2:38 PM

    well below the street? is it cause they're in stamford

  67. Posted by Guest | January 27, 2012 at 2:41 PM

    Some middle-aged Nebraskan lives in Nebraska and not New York City. That's barely middle class here

  68. Posted by Guest | January 27, 2012 at 2:51 PM

    To put in perspective my first year analyst bonus (out of undergrad) was in that $60-70 range, many, many moons ago. So feel good about yourself there guy. True story. Really bro, and all the other retorts.

  69. Posted by Jerry Maguire | January 27, 2012 at 2:52 PM

    Yes.

  70. Posted by Da! Da! Da! | January 27, 2012 at 2:54 PM

    Flashdancers is still within reach….

  71. Posted by Rickster | January 27, 2012 at 2:55 PM

    boutiques and I am not saying all associates. Wake up and smell the roses Tu Madre and Joe Obama. There are so many people in the world getting an education these days that you have become commoditized. I can envisage the larger banks outsourcing tasks like the charts and data in sector reviews, modeling scenarios. You need something done, just jump onto skype and talk to the $1 per hour Indian team….hedge funds already do it and banks already outsource presentations. Truly smart guys are not joining IBs as associates anymore

  72. Posted by Rickster | January 27, 2012 at 2:56 PM

    classic

  73. Posted by Rickster | January 27, 2012 at 2:58 PM

    If I was a UBS banker, I would once again dust off the CV and this time downgrade to a job at a corporate. UBS bonuses = Credit Suisse's * 0.5

  74. Posted by 2padspersecretary | January 27, 2012 at 3:10 PM

    I remember my first day reading Dealbreaker too. I didn't get the comments section either

  75. Posted by CS IBD | January 27, 2012 at 3:13 PM

    They changed (reduced) salary structure for IBD Associates fairly significantly…  For Stub / ASO1 / ASO2 / ASO3, base salary used to be $100k / $125 / $150 / $175, and bump was paid in arrears to the beginning of the year, simultaneous with bonus payments on Feb 15th.   Now, reduced structure is $100k / $120 / $140 / $160, but only effective April 1st and not in arrears.

  76. Posted by HungryIntern | January 27, 2012 at 3:14 PM

    It must be very hard to understand how anyone would ever work at a company like CS or RBS when that is the only job offers that they get out of school. That is unless you enjoy being 30yrs old and living with your parents.

  77. Posted by dumb | January 27, 2012 at 3:34 PM

    Want to swap companies?

    UBS Associate Banker

  78. Posted by Guest | January 27, 2012 at 3:35 PM

    Does Starbucks still provide health insurance?

  79. Posted by Whoops | January 27, 2012 at 3:49 PM

    That "and" eluded you, I take it.

  80. Posted by guest | January 27, 2012 at 3:56 PM

    Can people stop commenting unless they have anything useful to contribute. ie. what was the bonus for A2, A3, A4 and VP1. DB commentary is so useless.

  81. Posted by makeurdreamscometrue | January 27, 2012 at 3:58 PM

    that would mean UBS MDs would have the B-est SDs.. that can't be right

  82. Posted by Bob G | January 27, 2012 at 4:05 PM

    Yo soy fiesta

  83. Posted by FKApmco | January 27, 2012 at 4:06 PM

    Go to the corner for a time out and come back and ask nicely, pls. And while you are in the corner, i want you to contemplate if making sweepingly broad untrue comments makes you look petulant.

  84. Posted by Guestard | January 27, 2012 at 4:07 PM

    No.

  85. Posted by guest | January 27, 2012 at 4:09 PM

    are you a retard or do you just play one in the comment section of the internet?

  86. Posted by guest | January 27, 2012 at 4:12 PM

    You're not only a douchebag but an idiot. See the comment by CS IBD three above you? That's called actual, useful info (and there has been other decidedly not "useless" info in many other threads). And last I checked, people enjoy the comment section for comedic relief, not because they're some jerk off like yourself who is under the hilariously mistaken impression that he's going to read that someone got X and then go running into his boss's office to negotiate for more money (and something tells me you're also not in a position to be fielding offers from other firms).

  87. Posted by guest | January 27, 2012 at 4:13 PM

    Why don't you start? Oh, because you have nothing to share? That's what I thought.

  88. Posted by Guest | January 27, 2012 at 4:17 PM

    bonus is for closers only

  89. Posted by Wire | January 27, 2012 at 4:19 PM

    You do realize correlation isn't bounded by zero, don't you?

  90. Posted by former High Flyer | January 27, 2012 at 4:20 PM

    how are your riding skills…

  91. Posted by fiestando | January 27, 2012 at 4:21 PM

    Naming a bar after that one day

  92. Posted by the future | January 27, 2012 at 4:23 PM

    steak knives bitch, steak knives

  93. Posted by Guest | January 27, 2012 at 4:26 PM

    Confirmed, though it was paid in loonies and toonies. Though even that's not looking too bad these days! Also, stock portion is only on the bonus amount over $100k or $150k (not sure) and only a third of the excess amount. Then again, Canadian banks are essentially like utilities.

  94. Posted by Excel Guru | January 27, 2012 at 4:36 PM

    … overpaid and still replacable

  95. Posted by Jenna Jameson | January 27, 2012 at 4:47 PM

    I don't know about all those confusing abbreviations but DVDA used to pay around $3000 per film…

  96. Posted by Guest | January 27, 2012 at 4:52 PM

    But, is he trying to be ironical or just blowing the top off the unintentional comedy scale?

  97. Posted by Guest | January 27, 2012 at 5:08 PM

    Wrong

  98. Posted by Gundlach | January 27, 2012 at 5:09 PM

    Hmmmmmmm…….

  99. Posted by PermaGuestII | January 27, 2012 at 5:15 PM

    Spoken like someone who has never experienced the "joys" of dealing with Indian outsource personnel.

    -still having nightmares about the "top notch Hyderbad" firm he had to work with on a trading system upgrade at a previous employer

  100. Posted by wahoo | January 27, 2012 at 5:20 PM

    I have had all the those Audi models and the Dodge Viper but we don't call it "VP1", we call it as god intended: a Dodge Neon.

    -UBS MD

  101. Posted by Tu Madre | January 27, 2012 at 5:34 PM

    Where do associates at botiques come from (hint: lots of laterals from BB)

  102. Posted by Joe | January 27, 2012 at 5:39 PM

    No kidding. I get 3 calls a month from headhunters trying to place associates at boutiques. Sometimes for bucket shops but also for the evercores, centerviews, lazards of the world. Not saying its easy to convert into an offer but certainly isn't impossible if you are a top bucket BB associate

  103. Posted by guest | January 27, 2012 at 6:02 PM

    If they were looking for VP's and Directors to take the hit and not the lower ranked staff, you must be kidding. This will never happen on Wall Street.

  104. Posted by yoyo | January 27, 2012 at 6:10 PM

    Wow you're a total moron

  105. Posted by returnof yoyo | January 27, 2012 at 6:12 PM

    But then again this explain why you are a 'former' analyst and have time to post this tripe.

  106. Posted by nachocheese | January 27, 2012 at 6:15 PM

    shake shack

  107. Posted by GoodAsGoldman | January 27, 2012 at 7:33 PM

    Hey Wells Fargo PWM,

    You are supposed to turn into a "Former Analyst."

    -Fmr Analyst who made it out in time

  108. Posted by ScottyDoesKnow | January 27, 2012 at 8:17 PM

    …because you're an associate in denial about how little value you add?

  109. Posted by Guesteban | January 28, 2012 at 1:28 AM

    That looks like a nut sac.

  110. Posted by Rickster | January 28, 2012 at 8:49 AM

    Standards are going up all the time. It was only 10 years ago you could turn up to a bb job interview and ask the question 'what is modeling?' and still get the job

  111. Posted by Rickster | January 28, 2012 at 8:59 AM

    Good morning Joe and tu madre. I gather you spent all of your bonuses taking out your girlfriends last night? I hope you got laid out of it. Back to our conversation, I do feel sorry for you because you are now overworked commoditized entities that either have large college debts or your wealthy parents have high expectations for you. So here is some advice: a) if you are from outside the us, your skills would be far more valuable back home b) if you are American, spend a year trying to get into a pe shop (I can tell you are not smart enough for a hedge fund) and if that fails, go live on the west coast and get a job at a small private growing company

  112. Posted by Ricksterisafag | January 28, 2012 at 9:19 AM

    Why are you gay rickster?

  113. Posted by Anon | January 28, 2012 at 1:44 PM

    A2 – $100-150, A3 – $130 – 170, no idea abt VP1 but hear many of them didn't get any

  114. Posted by Wall St. Dude | January 28, 2012 at 1:51 PM

    Thanks Anon

  115. Posted by Your mother | January 28, 2012 at 4:07 PM

    for someone who clearly doesn't understand how banking works, you sure have a lot of advice on the matter. thanks though.

  116. Posted by Equity Research | January 29, 2012 at 10:47 AM

    Ass 3 bonus 15k (usd) > most associates and vp's were getting 5k to 15k bonuses. This was across the department, equity research, UK. Sales and trading bonuses were bad too but equity research got their ass totally nailed. We dumbfucks still turn up at 6:30 to write reports.

  117. Posted by Anon | January 29, 2012 at 12:40 PM

    Equity Research–way below par AN1–0-10, AN2 0-15 AS1 1 0-25. If you are a headhunter come pick up talent for cheap–every associate at Credit Suisse will take your call–people are that pissed. Research unlike banking is a function where associates add all the value– constantly covering up for MD and VP fuck ups with clients on the phone through im, massing numbers to make MD/D's/VP's stock calls look amazing on paper knowing fully well that their picks never work, actually creating content. ….list goes on…this is not a photocopying/fetching coffee/ creating templated powerpoints job

  118. Posted by Spatch | January 29, 2012 at 5:48 PM

    Some Wall Street guys would kill to live in a 2,600sqft 6bdrm for $140,000 a couple miles from downtown.

  119. Posted by Brady Bunch | January 30, 2012 at 6:54 AM

    Also stuffed with a 9-year deferred, complex instrument with underlying risky assets pooled from CS' battered balance sheet. Can ANYONE point out ANYBODYANYWHERE in banking that expects to spend the next nine years there ?

  120. Posted by Guest | January 30, 2012 at 12:20 PM

    oh please, cry me a river. making $200+K all-in and peacing out by 7PM most nights (later during earnings) while getting tangible experience would hardly constitute "cheap labor" compared to IB with 80+ hour work weeks and countless nights working on mindless pitches.

  121. Posted by Guest | January 30, 2012 at 1:03 PM

    You're a moron. HFs outsource marketing decks – it doesn't apply for deal-specific pitchbooks (ie. highly classified info that banks wouldn't want in the hands of a TP Indian firm).

    Secondly, you just sound ike a dude bitter with the system in general. Wait, you're at Dartmouth now right?

  122. Posted by CS IBD | January 30, 2012 at 5:49 PM

    At CS? Numbers were lower than that.

  123. Posted by Anon | February 1, 2012 at 1:24 PM

    You my friend have illustrated exactly what I meant. Most of us in research associates deserve 200K+ but we are lucky to even hit that level. Let me shine some light on dismal all in comp in
    CS research:
    1st year analyst: ~90-100K
    2nd year analyst: ~110-120K
    1st year associate: ~140-150K
    2nd year associate: ~170-180K
    3rd year associate: ~200-210K

    In comparison your mindless 80+ hours will get you above 200K or close to it by the time you are a first year associate if not earlier. So relative to real content we produce we are sacrificial lambs at Credit Suisse.

  124. Posted by dude | February 3, 2012 at 12:28 AM

    vp2: 600k all in.

  125. Posted by almostnuts | February 5, 2012 at 7:59 AM

    Crybabies, go drive a truck.

  126. Posted by angellus99 | February 9, 2012 at 12:34 PM

    anyone knows when people are going to start jumping seats in the equity sales and trading ? or at least when the bonus hits the accounts?

  127. Posted by tom | February 17, 2012 at 2:48 PM

    yeah you guys got lucky that you have a job, expanding low cost locations like Poland are now priority for banks so watch out

  128. Posted by Equities Director | January 30, 2012 at 3:42 PM

    3rd year Director in US. $250,000 base, ZERO bonus. Absolutely nada, nothing. Credit Suisse is a bunch of socialists! Brady Dougan made 70 MILLION when his deferred comp PIPS came due 3-4 years ago, OF COURSE he doesn't care about paying his people nothing.

    The company bows to the government, pays their employees toxic assets, has all these little cliques of people all from the same country who take care of only their own.

    DO NOT COME TO CREDIT SUISSE! You will be treated like a number, and you will never feel appreciated.

    Be warned.

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