UBS 繼續裁員！收購 Credit Suisse 後的挑戰

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Finance

瑞士信貸收購後，瑞銀將繼續裁減員工

瑞銀集團（UBS Group AG）將在收購瑞士信貸（Credit Suisse）後，繼續進行裁員。CEO 施卡利奧（Sergio Ermotti）在接受彭博社訪問時表示，該銀行計劃在已有的75億美元節省基礎上，再削減55億美元的成本。施卡利奧承認，這些削減成本措施將不可避免地導致裁員，但他表示希望在可能的情況下依賴自願離職。

自從兩年前瑞士政府緊急介入收購瑞士信貸以來，瑞銀的員工數量從7.5萬人增至約12萬人，隨後又減少了約1萬名員工。瑞銀目前尚未設定總體員工數量的目標。

該銀行還計劃通過停止使用瑞士信貸的舊IT系統來實現顯著的節省。這一過程的一個重要部分是計劃在今年內將客戶數據轉移到瑞士的本土市場。

施卡利奧指出，每年約有7%的瑞銀員工自願離開公司。他還提到，許多員工即將退休，這可能會減輕強制裁員的影響。

這一情況反映了金融行業在面對不斷變化的市場環境時，如何調整組織架構以提高效率。瑞銀的裁員計劃不僅是對成本的重新評估，也是在整合資源以應對未來挑戰的必要步驟。值得注意的是，這樣的裁員趨勢不僅限於瑞銀，整個金融服務行業都在經歷類似的變化，企業需要在成本控制與員工穩定之間找到平衡。

隨著市場的不確定性增加，其他金融機構可能也會考慮採取類似措施來保持競爭力。未來，這些措施是否能夠有效提升企業的運營效率，並在長期內為股東創造價值，將是值得觀察的焦點。

以上文章由特價GPT API根據網上資料所翻譯及撰寫，過程中沒有任何人類參與 🙂

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${ "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A stylish beautiful woman portrayed as Cleopatra, the eternal Queen of Egypt, exuding power, seduction, and divine authority.", "angle": "Full-body editorial portrait captured at a refined 3/4 angle, with both the subject and her throne positioned diagonally, rendered in ultra-crisp clarity with no blur.", "pose": { "body_position": "She is seated regally on a luxurious Egyptian throne angled slightly to the side, her torso and legs elegantly turned to match the diagonal composition, enhancing her curves and royal poise.", "hands": "One arm rests gracefully along the angled armrest of the throne, while the other cradles a magnificent royal cat against her body.", "expression": "She looks directly into the camera with a composed, intelligent, and seductive gaze—calm authority mixed with magnetic allure." } }, "appearance": { "outfit": "An exceptionally bongga, sexy, and ultra-colorful Cleopatra couture gown designed as a high-fashion masterpiece. The gown features a sculpted corset bodice encrusted with multicolored gemstones—turquoise, lapis blue, emerald green, ruby red, amethyst violet, and molten gold—arranged in intricate Egyptian patterns. The fabric transitions into layered sheer silks in jewel tones that cascade dramatically, creating movement and depth. A daring thigh-high slit reveals her leg, while illusion panels and crystal embroidery contour her waist and hips. The gown shimmers with every hue, bold yet luxurious, sensual yet undeniably royal.", "accessories": "A dramatic Egyptian crown with raised cobra centerpiece and iridescent gemstone inlays, oversized multi-layered gold collar necklace, engraved arm cuffs, crystal-encrusted finger rings, an ornate gold waist belt, anklets with delicate charms, and elegant flat Egyptian sandals.", "hair": "Her hair is shoulder-length, sleek, and glossy with soft movement, modernized yet inspired by ancient Egyptian elegance, no bangs.", "makeup": "High-impact, colorful Egyptian glam makeup—intensely elongated kohl eyeliner, bold eyeshadow blended in gold, turquoise, teal, emerald, and hints of violet, sculpted cheekbones with luminous gold highlight, flawless bronzed skin, defined brows, and rich nude-to-berry satin lips with a sensual glow." }, "props": { "animal": "A stunning, regal Egyptian cat of exceptional beauty, with sleek, glossy fur patterned in warm sand, charcoal, and soft gold tones. The cat has large almond-shaped eyes that glow amber-gold, finely sculpted features, and an elegant posture. It wears a delicate gold collar adorned with tiny gemstones and a miniature Bastet charm, symbolizing protection, divinity, and royal favor." }, "background": { "macro_environment": "A grand royal palace courtyard in ancient Egypt at golden hour, composed diagonally to echo the angled throne, with towering sandstone columns, carved relief walls, and distant pyramids beneath a richly colored desert sky.", "midground_details": "Palm trees gently swaying, monumental statues of Bastet and other Egyptian deities, ceremonial fire torches, flowing silk banners in jewel tones, and distant palace attendants positioned subtly for scale.", "micro_elements": "Ultra-sharp hieroglyph carvings, visible stone grain and chisel marks, fine desert sand particles, radiant gemstone reflections, metallic gold highlights, intricate embroidery threads, and realistic sun-cast shadows—every element sharply defined with zero blur." }, "lighting": { "type": "Cinematic natural golden-hour lighting enhanced with soft reflective fill light.", "effect": "Warm sunlight amplifies the vivid colors of the gown and gemstones while sculpted shadows define her face, body, throne, and the cat, creating a dramatic yet luxurious editorial mood." }, "camera": { "camera_type": "DSLR", "resolution": "8K UHD", "lens": "50mm prime lens", "aperture": "f/8 for maximum sharpness across subject and background", "iso": 100, "shutter_speed": "1/200s", "focus": "Extreme sharp focus from foreground to background, no bokeh, no blur" }, "style": "High-fashion editorial, cinematic realism, ultra-luxury Egyptian couture, vibrant jewel-toned palette, historical grandeur fused with modern sensuality, extremely detailed, sharp, powerful, and seductive" }$ Gallery