A greater emphasis on wealth management failed to bolster Credit Suisse’s results as turbulent markets and a substantial charge associated with its restructuring led to a loss of billions of dollars in the fourth quarter.<br />Shares of Credit Suisse declined as much as 12 percent in Zurich trading on Thursday as the bank posted the loss of 5.83 billion Swiss francs, or about $5.75 billion, compared with a profit of 691 million francs in the same quarter a year earlier.<br />The loss, which was bigger than analysts had expected, was largely because of a write-down of 3.8 billion francs as it reassessed the value of its investment bank as part of a continuing overhaul.<br />It was the first annual loss for Credit Suisse since 2008.