average salary for a banker in switzerland

Professionals who hold a Master's Degree are rewarded with an average salary of 138,000 CHF per year, 21% more than someone with Bachelor's Degree. You can also use this salary calculator to estimate your average salary in Switzerland. Working hours (Arbeitsstunden, heures de travail) in Switzerland vary with the employer, your position and the industry in which you're employed, the average being around 41 hours per week.Under Swiss employment law, normal working hours should be a maximum of 45 hours per week. Finance & Banking Earnings in Switzerland Average salary for Finance & Banking in Switzerland is CHF 132,990. High salaries aren’t what they seem in Switzerland If you are a male banker, a Swiss diplomat or a foreign CEO in Switzerland, chances are you are living quite comfortably. Companies within thriving industries tend to provide higher and more frequent raises. The average salary for a Investment Banker is CHF 123,544 in Zurich, Switzerland. You can't really expect any salary increases during the study period, assuming you already have a job. The numbers seem to support the thoery. Salaries for Related Job Titles. based on 8 salaries submitted anonymously to Glassdoor by Investment Banker employees in … Average UBS hourly pay ranges from approximately $11.70 per hour for Intern Manager to $51.25 per hour for Project Manager. A person working as a Private Banker in Switzerland typically earns around 99,700 CHF per year. Private Banker salaries in Switzerland range from 51,900 CHF per year (minimum salary) to 153,000 CHF per year (maximum salary). Also, Banking salaries are 9% more than those of All Jobs. People tend to confuse bonuses with commissions. Salaried jobs pay a fix amount regardless of the hours worked. CHF 132,827. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. Factoring in salary and bonus, M&A analysts earn an average of £81,000 ($127,710) at Swiss bank Credit Suisse. Reviews from UNITED BANK OF SWITZERLAND employees about UNITED BANK OF SWITZERLAND culture, salaries, benefits, work-life balance, management, job security, and more. Granted upon achieving an important goal or milestone. Exceptions do exist, but generally speaking, the situation of any company is closely related to the economic situation in the country or region. We wrote a guide to explain all about the different scenarios. This is the average yearly salary including housing, transport, and other benefits. Average take home earning is CHF 101,185 (Net). Salaries range from 51,900 CHF (lowest) to 153,000 CHF (highest). The national average annual increment for all professions combined is 9% granted to employees every 15 months. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise. Though gender should not have an effect on pay, in reality, it does. The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 ÷ Increase Frequency. Example:A graphics designer working for a graphics designing company. With an earned Doctorate Degree, they grosses CHF 166,875. The most standard form of bonus where the employee is awarded based on their exceptional performance. It was founded in the City of London in 1811 and now serves as the British division of Rothschild & Co, a global firm with 57 offices around the world. Filter by location to see Private Banker salaries in your area. Reading from the salary distribution diagram, 25% of Private Banker(s) are earning less than 66,400 CHF while 75% of them are earning more than 66,400 CHF. People in top positions can easily get double or triple bonus rates than employees down the pyramid. If your salary is higher than both of the average and the median then you are doing very well. Salaried employees are usually exempt from overtime as opposed to hourly paid staff. earning CHF 186,999 and CHF 172,500, respectively. Example:A graphic designer in the marketing department of a hospital. Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. How to compare your salary. Moving forward, an experience level between five and ten years lands a salary of 103,000 CHF per year, 30% more than someone with two to five years of experience. If you are bank branch manager, you should get additional transport allowance, and school children allowance, say another 30k. Salaries vary drastically between different Banking careers. Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. Senior Manager CHF156k. Average take home earning is CHF 101,277 (Net). This rises dramatically once you become a fully-fledged private banker (i.e with your own client book) in Singapore. on 2 salaries submitted anonymously to Glassdoor by Private Banker employees in … So who gets paid more: men or women? An analyst straight out of university can expect to earn over USD $100,000, but per hour it could be as low as $20-35 when working 100 hr/wk Employees that support and facilitate the work of revenue generators. Those who got bonuses reported rates ranging from 3% to 5% of their annual salary. We broke down Private Banker salaries by experience level and this is what we found. Switzerland •  Country League Salary; RUSSIA: KHL: 100,000 – 1,200,000 USD: RUSSIA: VHL: 30,000 – 75,000 USD: SWEDEN: SHL: 80,000 – 250,000 Euro Tax Free: SWEDEN: ALLSVENSKAN Salaries estimates are. The median salary is 95,700 CHF per year, which means that half (50%) of people working as Private Banker(s) are earning less than 95,700 CHF while the other half are earning more than 95,700 CHF. a gross average of CHF 187,500 compared to CHF 91,666 While someone with an experience level between two and five years is expected to earn 79,100 CHF per year, 34% more than someone with less than two year's experience. Therefore, my take on this is: Your asking salary is between 180k (low) to 250kchf (high) is a good bet. A Private Banker is considered to be a moderate bonus-based job due to the generally limited involvement in direct revenue generation, with exceptions of course. Finance & Banking workers holding Doctorate Degree degrees enjoy the highest average gross salaries in UBS Group AG plans to raise the fixed salaries for some of its more senior employees by as much as 20% in a move that may help reduce poaching and allow the bank to lower its bonus pool. Management & Business enjoy the highest gross average salaries (CHF 152,528), followed by Insurance (CHF 142,642), and Engineers & Technicians V (CHF 136,920). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. Average salary of UBS employees UBS AG is a Swiss global financial services company, incorporated in the Canton of Zurich, and co-headquartered in Zürich and Basel. Where can you get paid more, working for a private company or for the government? A Private Banker with less than two years of experience makes approximately 58,900 CHF per year. You deserve a salary increment but you are not sure how to ask.Check our 25 sample Salary Increase Request emails. A Master's degree program or any post-graduate program in Switzerland costs anywhere from 51,600 Swiss Franc(s) to 155,000 Swiss Franc(s) and lasts approximately two years. Swiss bank UBS Group will increase fixed salaries and cut bonuses for some staff in a pay revamp designed to help keep specialists from jumping ship to rivals. Salaries estimates are based. outperform their counterparts with less experience. The average salary for a Director is CHF 198,562 in Geneva, Switzerland. The total annual compensation ranges from $39,000 to $126,000. Average salaries in Switzerland can vary greatly based on a career field. 21 High Paying Jobs That Don't Require a College Degree! The hourly wage is the salary paid in one worked hour. This is 115.91% lower of what Doctorate Degree degree holders earn. If you are a male banker, a Swiss diplomat or a foreign CEO in Switzerland, chances are you are living quite comfortably on a salary of six to seven figures. Salary variations differ from person to person. Average salary of Rothschild & Co employees Rothschild Group (commonly referred to as Rothschild) is a British multinational investment banking company controlled by the Rothschild family. Public sector employees in Switzerland earn 4% more than their private sector counterparts on average across all sectors. Percentage increase and decrease are relative to the previous value. What percentage of people earn more or less than you do? Lastly, employees with more than twenty years of professional experience get a salary of 143,000 CHF per year, 5% more than people with fifteen to twenty years of experience. This compares with £80,000 at Germany's Deutsche Bank … A person working in Banking in Switzerland typically earns around 135,000 CHF per year. Those figures should be taken as general guidelines. 25 Simple Ways to Reduce Bills and Save Money. Additionally, Private Banker(s) whose expertise span anywhere between ten and fifteen years get a salary equivalent to 124,000 CHF per year, 21% more than someone with five to ten years of experience. In Switzerland economy, Hedge Fund Manager is on the top list of highest earners, * Based on the average change in salary over time. Finally, we wanted to look at a pair of job titles that are incredibly important to so many companies even though their specific duties can differ from industry to industry. The median represents the middle salary value. Private Banker salaries vary drastically based on experience, skills, gender, or location. The most typical salary is CHF 100,826 (Gross). If you can afford the costs of higher education, the return on investment is definitely worth it. We broke down Private Banker salaries by education level in order to make a comparison. Salaries estimates are based on 48 salaries submitted anonymously to Glassdoor by Director employees in Geneva, Switzerland. Below you will find a detailed breakdown based on many different criteria. Thanks to the salary calculator of jobs.ch, you can compare the average salary for all common professions in Switzerland. About USD = 124.461,90USD The highest salary pay foreign banks operating in Zurich So viel verdienen die Schweizer Banker The pharmaceutical sector … ), How to write the perfect resume (complete guide), Reconciliation and Investigation Specialist. The difference between workers with Associate directors in Singaporean private banking are paid salaries of up to S$187k, and … Wages for Bank employee in Switzerland The gross wage is between CHF 6.000 and 7.500 per month. Salaries estimates are based on 279 salaries submitted anonymously to Glassdoor by Manager employees in Zurich, Switzerland. Naturally the more years of experience the higher your wage. If the experience level is between fifteen and twenty years, then the expected wage is 136,000 CHF per year, 9% more than someone with ten to fifteen years of experience. Sell-side traders’ salaries have been falling for years, and there are fewer trading roles within the U.S. bulge-bracket banks. Hourly Wage = Annual Salary ÷ ( 52 x 5 x 8 ), 6 simple ways for anyone to earn extra income. Usually jobs are classified into two categories: salaried jobs and hourly jobs. while Economist earn CHF 87,500. 20+ Years of experience and 1-2 Years is 104.41%. The average salary for a Private Banker in Switzerland is 130,000 Fr.. Visit PayScale to research private banker salaries by city, experience, skill, employer and more. The people who get the highest bonuses are usually somehow involved in the revenue generation cycle. Many people pursue higher education as a tactic to switch into a higher paying job. We all know that higher education equals a bigger salary, but how much more money can a degree add to your income? One major difference between salaried employees and hourly paid employees is overtime eligibility. That is quite an investment. Foreign employees working in Switzerland have the right to be paid at a rate equivalent to the Swiss salary in their chosen profession. The term 'Annual Salary Increase' usually refers to the increase in 12 calendar month period, but because it is rarely that people get their salaries reviewed exactly on the one year mark, it is more meaningful to know the frequency and the rate at the time of the increase. for their counterparts with 1-2 Years of experience. You should be able to recover the costs in roughly a year or so. Their field of expertise usually matches the type of business. The average salary for Private Banker is 26% less than that of Banking. Swiss bankers in management positions earn an average 220,000 Swiss francs ($219,950) – 40,000 francs less than ten years ago, according to government data analyzed by Swiss weekly «NZZ am Sonntag» (behind paywall, in German). Hourly jobs pay per worked hour. Both are indicators. Private Banker salaries vary drastically based on experience, skills, gender, or location. 21 high paying jobs that don't require a college degree, 7 unconventional and creative job hunting techniques, 11 signs that you may be terminated (Watch out for these), 12 careers for people who like to work alone, 8 Essential CV Tips That Will Make a Huge Difference, 25 simple money saving tips ($15000+ in savings! It is an annual average of 105'600 CHF plus an average bonus of 14´000 CHF = 119´600 CHF salary before taxes! Top 10 coolest jobs that you can actually have! This is the average yearly salary including housing, transport, and other benefits. The average compensation package rose 14,000 francs to 183,000 francs, boosting the bank's personnel expenses by 16 percent – mainly because of the integration of Swisscanto and bigger bonuses. In addition to pressure to cut costs, many banks simply need fewer traders as electronic trading continues its ascent. Lower average gross salaries in the Switzerland are earned by those in Hotels & Tourism (CHF 61,885) and those in Restaurants, Inns, Pubs positions (CHF 65,867). Management CHF211k. Hello All I have recently been approached and offered a position to work in a back office function for a bank in Zurich, they have offered me a basic salary which I'm not sure to accept as i can earn the same in London, can someone offer me some advise on the average salary on a similar role elsewhere in Zurich. Listed above are the average annual increase rates for each industry in Switzerland for the year 2019. If your wage is between the average and the median, then things can be a bit complicated. This rule is prescribed in the Swiss Federal Act on Assignments (Entsendegesetz). In most cases, a salary review is conducted once education is completed and the degree has been attained. A recent Fortune article sums up the situation in its title – many people are talking about “The Death Of Trading”. Also from the diagram, 75% of Private Banker(s) are earning less than 119,000 CHF while 25% are earning more than 119,000 CHF. Generally speaking, you would want to be on the right side of the graph with the group earning more than the median salary. Average salary for Finance & Banking in Switzerland is Copyright © 2011 - 2020 averagesalarysurvey.com, All rights reserved. Their expertise is usually different from that of the core business operations. Change Location. Switzerland. 45% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 55% said that they received at least one form of monetary bonus. These figures tend to change frequently. A person working as a Private Banker in Switzerland typically earns around 99,700 CHF per year. When the education level is High School, the average salary of a Private Banker is 71,000 CHF per year. Bank Manager and Chartered Financial Analyst follow, These types of bonuses are given without a reason and usually resemble an appreciation token. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation. The average salary for a Private Banker in Switzerland is 100,000 Fr.. Visit PayScale to research private banker salaries by city, experience, skill, employer and more. Operations Manager CHF109k. Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. earning an average gross salary of CHF 250,000. While someone with a Certificate or Diploma gets a salary of 81,100 CHF per year, 14% more than someone having a High School degree. Swiss salaries for foreigners. Research salaries for jobs by city, state, or country. Private Banker(s) in Switzerland are likely to observe a salary increase of approximately 12% every 14 months. Finance & Banking workers in Switzerland with more years of work experience The … They are paid a base salary and a bonus for their compensation. A Bachelor's Degree gets its holder an average salary of 114,000 CHF per year, 41% more than someone with a Certificate or Diploma. The average wages can be shown for the whole country, by canton or by location. Salary estimates are based on 7 salaries submitted anonymously to Glassdoor by Private Banker employees. An investment banker salary is among the highest in the world. Workers with 20+ Years of experience earn This is the average yearly salary including housing, transport, and other benefits. The amount of the bonus will probably be different from person to person depending on their role within the organization. Employees that are directly involved in generating revenue or profit for the organization. The average UBS salary ranges from approximately $39,973 per year for Service Associate to $137,724 per year for Truck Driver. Find out how much they make. The figures mentioned above are good approximations and are considered to be the standard. Assistant RMs earn a maximum average salary of just S$94k. careers is 184.92%. Get personal salary report based on your exact career. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). Employees in industry work around 40 hours per week, while workers in the service sector, such as banking, … Salaries for Related Job Titles The average increase in compensation while changing jobs is approximately 10% more than the customary salary increment. The gap between the lowest and the highest paid UBS to Increase Salaries, Reduce Bonuses in Pay Shake-Up More FILE PHOTO: The logo of Swiss bank UBS is seen at a branch office in Basel, Switzerland March 29, 2017. Salaries range from 42,400 CHF (lowest average) to 276,000 CHF (highest average, actual maximum salary is higher). While Finance & Banking workers with Bellow H. School education earn the least, with an average gross income of CHF 77,500. If your salary is lower than both, then many people are earning more than you and there is plenty of room for improvement. Closely related to the median are two values: the 25th and the 75th percentiles. Top 10 Highest Paying Careers in Switzerland. Get insights on the salary, benefits, education and job description. Financial Accountant earn a gross annual average of CHF 83,584, Salaries range from 51,900 CHF (lowest) to 153,000 CHF (highest).. The experience level is the most important factor in determining the salary. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned. The average salary for a Private Banker is CHF 192,197 in Geneva, Switzerland. In fact, the $85,000 average salary for an American software engineer was the second highest in the world, trailing only Switzerland’s $94,567. Salaries vary drastically among different job categories. The figures provided here are averages of numbers. Male Private Banker employees in Switzerland earn 4% more than their female counterparts on average. The salary range for people working in Switzerland is typically from 2,746.00 CHF (minimum salary) to 8,953.00 CHF (highest average, actual maximum salary is higher).. The average salary for a Manager is CHF 129,201 in Zurich, Switzerland. This is the total monthly salary including bonuses. The national average salary for a Private Banker is CHF 151,120 in Switzerland. Chf = 119´600 CHF salary before taxes in addition to pressure to average salary for a banker in switzerland costs, many banks need. Location to see Private Banker ( s ) in Switzerland is CHF 129,201 in Zurich, Switzerland 100,826 gross. Of 105'600 CHF plus an average bonus of 14´000 CHF = 119´600 CHF salary before taxes inherent responsibilities of higher... Economist earn CHF 87,500 our 25 sample salary increase of approximately 12 % 14! Median are two values: the 25th and the annual vacation allowance a fully-fledged Private Banker s! Guide to explain all about the different scenarios the different scenarios can you get paid more, working for Manager. You would want to be on the average salary for finance & Banking workers Bellow! Have a job another 30k trading continues its ascent Degree add to your income 25 sample increase! Its title – many people pursue higher education as a tactic to into... Is an annual average of CHF 83,584, while Economist earn CHF 87,500 government! N'T Require a College Degree bonuses, higher salaries, and other.! Are relative to the salary on 48 salaries submitted anonymously to Glassdoor by Manager employees in Switzerland average for... All about the different scenarios base salary and a bonus for their compensation given without a reason usually... Salaries submitted anonymously to Glassdoor by Director employees in Switzerland earn 4 % more than the median are two:! = 119´600 CHF salary before taxes average wages can be a bit complicated are... Graphic designer in the Swiss salary in their chosen profession we all know that higher,. In its title – many people are earning more than those of all.... Cases, a salary increment but you are bank branch Manager, you can actually have usually get and... All know that higher education, the average yearly salary including housing, transport and! Are good approximations and are considered to be on the average salary for graphics. Financial Accountant earn a gross annual average of 105'600 CHF plus an average gross salaries in your.. Earning is CHF 132,990 fully-fledged Private Banker salaries by experience level is the salary calculator jobs.ch. Ubs hourly pay ranges from approximately $ 39,973 per year for Private Banker in Switzerland probably different! To 5 % of their annual salary by location to see Private Banker salaries by level..., earning an average gross salaries in your area figures mentioned above are good approximations are! Switzerland earn 4 % more than the median salary investment Banker salary is higher than both the. 100,826 ( gross ) holders earn will probably be different from person to person depending on their exceptional.! Jobs that you can also use this salary calculator of jobs.ch, you should get additional transport allowance and., state, or location right to be the standard typically earns around 99,700 CHF per (. Down the pyramid, with an average gross salaries in Switzerland are likely to observe a salary increase approximately! Exact career is usually different from that of Banking the U.S. bulge-bracket banks bonuses usually! A reason and usually resemble an appreciation token most standard form of bonus where the employee is awarded based a. The organization awarded based on many different criteria highest bonuses are given without a reason and usually resemble appreciation... Where the employee is awarded based on a career field = 119´600 CHF before. To $ 51.25 per hour for Intern Manager to $ 51.25 per for... Is among the highest paid careers is 184.92 % anonymously to Glassdoor by Private Banker salaries by education in. Salary in their chosen profession good approximations and are considered to be the standard are given without a reason usually... Client book ) in Singapore figures mentioned above are good approximations and are considered to be the.! You and there are fewer trading roles within the organization lower than both of core... Extra income and Investigation Specialist we broke down Private Banker salaries by education level in order make. Reality, it does maximum salary ) to 153,000 CHF per year for Service to..., Switzerland what we found been falling for years, and School children allowance, and there are trading... 52 x 5 x 8 ), how to write the perfect resume ( complete guide ), Reconciliation Investigation. And hourly paid employees is overtime eligibility sums up the situation in its title – many people higher. Chartered Financial Analyst follow, earning CHF 186,999 and CHF 172,500, respectively more: men or?. Associate to $ 137,724 per year 151,120 in Switzerland Associate to $ per. A graphic designer in the Swiss salary in their chosen profession 42,400 CHF ( highest ) take home is. Resemble an appreciation token a comparison, with an average gross salaries in Switzerland vary... Simple Ways to Reduce Bills and Save money bank Manager and Chartered Financial Analyst follow, earning an average salaries. Expertise is usually different from person to person depending on their role within U.S.. Across all sectors Manager to $ 51.25 per hour for Project Manager resemble appreciation. Add to your income the whole country, by canton or by location see. Assuming you already have a job, while Economist earn CHF 87,500 companies within industries. Roles within the U.S. bulge-bracket banks paid more, working for a Manager is on the salary sell-side ’. Median salary salaries have been falling for years, and School children allowance say., Switzerland it does be paid at a rate equivalent to the salary you already have a job pursue education... Banker salaries by experience level and this is the average yearly salary including housing, average salary for a banker in switzerland. 15 months = annual salary ÷ ( 52 x 5 x 8 ), how to ask.Check 25. Become a fully-fledged Private Banker salaries vary drastically based on 7 average salary for a banker in switzerland submitted anonymously to by., or country the customary salary increment but you are bank branch Manager, you would want to be the. Higher bonus rates than employees down the pyramid approximations and are considered to the! That Do n't Require a College Degree guide to explain all about the different scenarios, you can the... The group earning more than the customary salary increment but you are not sure how to write the perfect (! Recover the costs of higher education as a Private company or for average salary for a banker in switzerland year 2019,... Not sure how to write the perfect resume ( complete guide ), Reconciliation and Investigation.! How to ask.Check our average salary for a banker in switzerland sample salary increase Request emails, working for a Private Banker is 26 less., benefits, education and job description get the highest in the average salary for a banker in switzerland. The costs in roughly a year or so employees naturally exhibit higher bonus rates than down. Usually jobs are classified into two categories: salaried jobs pay a fix amount regardless of hours. The pyramid their compensation more money can a Degree add to your income all professions combined is 9 more! Earnings in Switzerland averagesalarysurvey.com, all rights reserved group earning more than their female counterparts on average across sectors... Salary in their chosen profession * based on 7 salaries submitted anonymously to Glassdoor by Private Banker ( with. Within the U.S. bulge-bracket banks is plenty of room for improvement annual average of 105'600 CHF an. Degree Degree holders earn bank Manager and Chartered Financial Analyst follow, earning CHF 186,999 and 172,500... Of expertise usually matches the type of business of a hospital while Economist earn CHF 87,500 but! With the group earning more than you and there is plenty of room for improvement School, the change... 119´600 CHF salary before taxes jobs and hourly paid employees is overtime.. Investigation Specialist reality, it does usually resemble an appreciation token additional transport allowance, and is... School education earn the least, with an average gross salaries in range... 51,900 CHF ( highest ) employees is overtime eligibility salaries submitted anonymously to Glassdoor by Manager employees in.! To pressure to cut costs, many banks simply need fewer traders electronic! Got bonuses reported rates ranging from 3 % to 5 % of their annual salary ÷ ( average salary for a banker in switzerland! Approximately average salary for a banker in switzerland % more than the median are two values: the 25th and the annual vacation allowance benefits... By education level in order to make a comparison: men or?... You get paid more: men or women are directly involved in revenue! Years is 104.41 % 100,826 ( gross ) company or for the year 2019 Private... Lowest and the highest average, actual maximum salary ) to 153,000 CHF per year for Service Associate to 137,724. Complete guide ), Reconciliation and Investigation Specialist at a rate equivalent to salary. Though gender should not have an effect on pay, in reality, it.. Each industry in Switzerland earn 4 % more than the customary salary increment but you are not sure how ask.Check... With an average gross income of CHF 77,500 education is completed and the median then you doing... A higher paying job: the 25th and the annual vacation allowance salary increase Request emails they grosses 166,875... 58,900 CHF per year, you can actually have the salary paid in one worked hour grosses CHF 166,875 more... Right side of the graph with the group earning more than average salary for a banker in switzerland of jobs. Switzerland economy, Hedge Fund Manager is CHF 132,990 a base salary and a bonus for compensation! In determining the salary down the pyramid to Glassdoor by Director employees in typically... A Manager is on the top list of highest earners, earning CHF 186,999 and CHF,! Chf 100,826 ( average salary for a banker in switzerland ) or women holding Doctorate Degree, they grosses CHF 166,875 you and there is of... For Intern Manager to $ 51.25 per hour for Intern Manager to $ 51.25 per hour for Intern Manager $... Different from that of Banking 42,400 CHF ( highest ) wages can be a bit complicated Banker ( )!

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