credit suisse developed the creditrisk+ model of risk assessment in loans, which is focused exclusively on the chance of default based on the exogenous poisson method. as of 2002 about 20 percent of credit suisse's revenue was from its insurance business it gained through the 1997 acquisition of winterthur. the investment bank's insurance products are primarily popular in the domestic market and include auto, fire, property, life, disability, pension and retirement products among others. historically 20–40 percent of the bank's revenue has been from private banking services, one of its higher profit-margin divisions.