#1Credit Suisse 2021 Investor Day November 4, 2021 CREDIT SUISSE#2Disclaimer (1/2) Credit Suisse has not finalized restated historical information according to its intended future divisional structure and Credit Suisse's independent registered public accounting firm has not reviewed such information. Accordingly, the preliminary information contained in this presentation is subject to completion of ongoing procedures, which may result in changes to that information, and you should not place undue reliance on this preliminary information. This material does not purport to contain all of the information that you may wish to consider. This material is not to be relied upon as such or used in substitution for the exercise of independent judgment. Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements that involve inherent risks and uncertainties, and we might not be able to achieve the predictions, forecasts, projections and other outcomes we describe or imply in forward-looking statements. A number of important factors could cause results to differ materially from the plans, targets, goals, expectations, estimates and intentions we express in these forward- looking statements, including those we identify in "Risk factors" in our Annual Report on Form 20-F for the fiscal year ended December 31, 2020, in "Credit Suisse - Risk factor" in our 1Q21 Financial Report published on May 6, 2021 and in the "Cautionary statement regarding forward-looking information" in our media release relating to the 2021 Investor Day published on November 4, 2021 and filed with the US Securities and Exchange Commission, and in other public filings and press releases. We do not intend to update these forward-looking statements. In particular, the terms "Estimate", "Illustrative", "Expectation", "Ambition", "Objective", "Outlook", "Goal", "Commitment" and "Aspiration" are not intended to be viewed as targets or projections, nor are they considered to be Key Performance Indicators. All such estimates, illustrations, expectations, ambitions, objectives, outlooks, goals, commitments and aspirations are subject to a large number of inherent risks, assumptions and uncertainties, many of which are completely outside of our control. These risks, assumptions and uncertainties include, but are not limited to, general market conditions, market volatility, inflation increases, interest rate volatility and levels, global and regional economic conditions, challenges and uncertainties resulting from the COVID-19 pandemic, political uncertainty, changes in tax policies, regulatory changes, changes in levels of client activity as a result of any of the foregoing and other factors. Accordingly, this information should not be relied on for any purpose. We do not intend to update these estimates, illustrations, expectations, ambitions, objectives, outlooks, goals, commitments or aspirations. Unless otherwise noted, all such estimates, illustrations, expectations, ambitions, objectives, outlooks, goals, commitments and aspirations are for the full year indicated or as of the end of the year indicated, as applicable. We may not achieve the benefits of our strategic initiatives We may not achieve all of the expected benefits of our strategic initiatives. Factors beyond our control, including but not limited to the market and economic conditions (including macroeconomic and other challenges and uncertainties, for example, resulting from the COVID-19 pandemic), changes in laws, rules or regulations and other challenges discussed in our public filings, could limit our ability to achieve some or all of the expected benefits of these initiatives. Estimates and assumptions In preparing this presentation, management has made estimates and assumptions that affect the numbers presented. Actual results may differ. Annualized numbers do not take into account variations in operating results, seasonality and other factors and may not be indicative of actual, full-year results. Figures throughout this presentation may also be subject to rounding adjustments. All opinions and views constitute judgments as of the date of writing without regard to the date on which the reader may receive or access the information. This information is subject to change at any time without notice and we do not intend to update this information. CREDIT SUISSE 2021 Investor Day November 4, 2021 2#3Disclaimer (2/2) Cautionary statements relating to certain preliminary financial information This presentation contains certain preliminary financial information for the historical periods according to the future intended divisional structure of the Group. This information has been derived from management accounts, is preliminary in nature, does not reflect the complete restated results and is subject to change. Our independent registered public accounting firm has not audited, reviewed or performed any procedures with respect to this preliminary information and, accordingly, does not express an opinion or any other form of assurance with respect to this data. There can be no assurance that the final results for these periods will not differ from these preliminary results, and any such differences could be material. Accordingly, you should not place undue reliance on this preliminary information. Statement regarding non-GAAP financial measures This presentation contains non-GAAP financial measures, including results excluding certain items included in our reported results as well as return on regulatory capital and return on tangible equity (which is based on tangible shareholders' equity). Further details and information needed to reconcile such non-GAAP financial measures to the most directly comparable measures under US GAAP can be found in the Appendix, which is available on our website at www.credit-suisse.com. Our estimates, ambitions, objectives, aspirations and targets often include metrics that are non-GAAP financial measures and are unaudited. A reconciliation of these measures to the nearest GAAP measures is unavailable without unreasonable efforts. Results excluding certain items included in our reported results do not include items such as goodwill impairment, major litigation provisions, real estate gains, impacts from foreign exchange and other revenue and expense items included in our reported results, all of which are unavailable on a prospective basis. Return on tangible equity is based on tangible shareholders' equity, a non-GAAP financial measure also known as tangible book value, which is calculated by deducting goodwill and other intangible assets from total shareholders' equity as presented in our balance sheet, both of which are unavailable on a prospective basis. Return on regulatory capital (a non-GAAP financial measure) is calculated using income/(loss) after tax and assumes a tax rate of 25% and capital allocated based on the average of 13.5% of risk-weighted assets and 4.25% of leverage exposure; the essential components of this calculation are unavailable on a prospective basis. Such estimates, ambitions, objectives and targets are calculated in a manner that is consistent with the accounting policies applied by us in preparing our financial statements. Statement regarding capital, liquidity and leverage Credit Suisse is subject to the Basel III framework, as implemented in Switzerland, as well as Swiss legislation and regulations for systemically important banks, which include capital, liquidity, leverage and large exposure requirements and rules for emergency plans designed to maintain systemically relevant functions in the event of threatened insolvency. Credit Suisse has adopted the Bank for International Settlements (BIS) leverage ratio framework, as issued by the Basel Committee on Banking Supervision (BCBS) and implemented in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Unless otherwise noted, leverage exposure is based on the BIS leverage ratio framework and consists of period-end balance sheet assets and prescribed regulatory adjustments. The tier 1 leverage ratio and CET1 leverage ratio are calculated as BIS tier 1 capital and CET1 capital, respectively, divided by period-end leverage exposure. Swiss leverage ratios are measured on the same period-end basis as the leverage exposure for the BIS leverage ratio. Unless otherwise noted, for periods in 2020, leverage exposure excludes cash held at central banks, after adjusting for the dividend paid in 2020. Sources Certain material in this presentation has been prepared by Credit Suisse on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. Credit Suisse has not sought to independently verify information obtained from public and third-party sources and makes no representations or warranties as to accuracy, completeness or reliability of such information. Mandatory Convertible Notes These materials are not an offer to sell securities or the solicitation of any offer to buy securities, nor shall there be any offer of securities, in any jurisdiction in which such offer or sale would be unlawful. These materials are not an offer of securities for sale in the United States or to U.S. persons ("U.S. persons") as defined in Regulation S under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act"). The mandatory convertible notes described in these materials and the shares of Credit Suisse Group AG issuable on their conversion have not been and will not be registered under the U.S. Securities Act and may not be offered or sold in the United States or to, or for the account or benefit of, U.S. persons, absent registration or an applicable exemption from registration under the U.S. Securities Act. CREDIT SUISSE 2021 Investor Day November 4, 2021 3#4Credit Suisse 2021 Investor Day Agenda Time (GMT) Theme Presenter Duration 08:45 am Welcome and agenda 08:50 am Chairman's Perspective - Our Vision Kinner Lakhani, Head of Group Strategy and Investor Relations António Horta-Osório, Chairman of the Board of Directors 5' 15' 09:05 am Strategic Perspectives Thomas Gottstein, Chief Executive Officer 30' 09:35 am Financial Perspectives David Mathers, Chief Financial Officer 30' 10:05 am Wealth Management Philipp Wehle, CEO International Wealth Management 20' 10:25 am Investment Bank Christian Meissner, CEO Investment Bank 20' 10:45 am Swiss Bank André Helfenstein, CEO Swiss Universal Bank 15' 11:00 am Asset Management Ulrich Körner, CEO Asset Management 15' 11:15 am - Asia Pacific Growth Aspirations Helman Sitohang, CEO APAC 15' 11:30 am A Transformed Bank Thomas Gottstein, Chief Executive Officer 5' 70' 11:35 am Q&A 12:45 pm Close CREDIT SUISSE 2021 Investor Day November 4, 2021 4#5Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 LO 5#6Our Vision Credit Suisse 2021 Investor Day António Horta-Osório, Chairman of the Board of Directors November 4, 2021 CREDIT SUISSE#7Our focus areas C Risk Management Strategy Culture CREDIT SUISSE 2021 Investor Day November 4, 2021 7#8Our competitive advantages CREDIT SUISSE Distinct brand built on a 165-year heritage of client service Leading businesses with an integrated Bank for Entrepreneurs model Deep pool of talented and dedicated employees Strong positions across mature markets and fast-growing APAC and Emerging Markets 2021 Investor Day November 4, 2021 8#9Our purpose is the foundation of our strategic vision We build lasting value by serving our clients with care and entrepreneurial spirit CREDIT SUISSE 2021 Investor Day November 4, 2021 9#10The Board of Directors has comprehensively assessed and concluded on our strategic options Our key considerations... Connectivity and nexus to Wealth Management Sustainable competitive advantage Core clients with deep relationships Markets and capabilities with scale Through-the-cycle risk-return economics ...are driving clear choices around clients, businesses and markets 1 Reinforce our integrated model, creating a matrix of global businesses and strong regional client accountability 2 Invest in our leading Wealth Management business to accelerate growth, under a unified global division 3 Reshape our global Investment Bank for connectivity, capital-light and competitive advantage 4 Build on our leading position in our Swiss home market 5 Retain and grow our core Asset Management business 6 Strengthen our risk and control foundation 7 Pivot to faster-growth APAC and Emerging Markets 8 Increase investment in talent, technology and digital transformation 9 Shift capital allocation across the portfolio, aiming to direct CHF ~3 bn of capital1 to Wealth Management, increasing capital allocation to Wealth Management, Swiss Bank and Asset Management vs. Investment Bank from ~1.5x in 2020 to ~2.0x in 2022 and beyond Pillars of our strategy Strengthen 1 Based on average of 13.5% RWA and 4.25% Leverage Exposure CREDIT SUISSE 2021 Investor Day Simplify Invest for growth November 4, 2021 10#11The pillars of our strategy Strengthen Simplify Invest for growth Shift capital to value-creating businesses and strengthen our balance sheet and organization Drive structural cost discipline to fund strategic investments and generate operational leverage Invest in clients, businesses, talent and technology where we have sustainable competitive advantage CREDIT SUISSE Place risk management at the core of the Bank Foster a diverse and inclusive culture that reinforces the importance of personal accountability and responsibility with our entrepreneurial spirit Lead the Bank and our clients into a sustainable future Deliver on our strategy with disciplined, relentless execution 2021 Investor Day November 4, 2021 11#12Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 12#13Strategic Perspectives Credit Suisse 2021 Investor Day Thomas Gottstein, Chief Executive Officer November 4, 2021 CREDIT SUISSE#14We will execute on our strategic vision Strengthen Simplify Invest for growth Global Investment Bank Global leader in Leading universal bank Wealth Management focused on advice and solutions in Switzerland Multi-specialist Asset Manager CREDIT SUISSE Strong risk management foundation and technology capabilities Balanced approach between mature and emerging markets with a pivot to APAC Leading the Bank and our clients into a sustainable future Empowered regional organization driving cross-divisional collaboration 2021 Investor Day November 4, 2021 14#15Strengthen Simplify Invest for Growth We have taken decisive actions to strengthen our Bank... Capital ◉ Strengthened our capital position through MCN issuance of CHF 1.7 bn in 2Q21 and reductions in RWA and Leverage Exposure Asset Management ■ Established Asset Management as a separate operating division, emphasizing the strategic importance of the business for the Bank and our clients Leadership Risk Management Archegos and Supply Chain Finance Funds Legacy matters ■ Reinforced our leadership with key ExB appointments: Ulrich Körner as CEO Asset Management Christian Meissner as CEO Investment Bank - David Wildermuth as Chief Risk Officer Largely completed fundamental risk review across the bank ■ Recalibration of risk appetite at Group and divisional level Strengthened Risk Management leadership Completed Board investigations into the Archegos matter Joanne Hannaford as Chief Technology & Operations Officer Rafael Lopez Lorenzo as Chief Compliance Officer Christine Graeff as Global Head of Human Resources ■ SCFF: Total cash position¹ of USD 7.0 bn; continued focus on returning cash to our clients; the independent investigation continues to be a focus for the Bank, with work ongoing ■ Settlement with US, UK and Swiss regulators of legacy matters related to loan financing for Mozambique state enterprises and related securities transactions that took place between 2013 and 2016 Concluded enforcement proceedings with Swiss regulator related to past observation activities 1 Includes cash already distributed to investors and cash & cash equivalent remaining in the funds CREDIT SUISSE 2021 Investor Day November 4, 2021 15#16Strengthen Simplify Invest for Growth ...and are investing in our Risk and Controls foundation to support our growth Actions in progress Strengthen our risk culture ■ Launched "Everyone is a risk manager" as a core principle across the bank " Strengthen business accountability and ownership as the first line of defense for risk and controls ◉ ◉ Strengthen risk management leadership Appointed new Chief Risk Officer and Chief Compliance Officer Appointments of experienced senior risk officers across divisions ■ More clearly defined roles, responsibilities and accountability ☐ Invest in risk, compliance and controls foundation across the Bank Comprehensive remediation post recent incidents ■ Investments in compliance, data, infrastructure, reporting capabilities and risk management processes Align risk appetite to the strategic direction of Credit Suisse ■ Recalibration of risk appetite across the portfolio with continued regular multi-dimensional reviews going forward Align compensation process and structure to reinforce culture shift Align compensation process to reinforce both Risk & Control objectives and collaboration CREDIT SUISSE 2021 Investor Day November 4, 2021 16#17Strengthen Simplify Invest for Growth We are making further clear choices to strengthen our Bank Key actions ■ Create a unified Wealth Management division to leverage global integrated model Wealth Management ■ Simplify our banking platform set-up ■ Exit ~10 non-core markets ■ Exit Prime Services1 Strengthen the Bank for investments across core businesses Investment Bank ■ Optimize Corporate Bank exposure and reduce long-duration structured derivatives book ■ Exit 10 non-core GTS markets without Wealth Management nexus These actions are expected to drive a ~25% capital reduction² from 2020 levels by 2022 CHF -3 bn of capital² to be redeployed into Wealth Management, a -25% increase in capital2,3 Asset Management ■ Exit non-core Investments & Partnerships, reduced I&P RWA by 33% in 9M21 RWA reduction of USD ~20 bn and Leverage Exposure reduction of USD 100 bn in 2021-2022 1 With the exception of Index Access and APAC Delta One 2 Aspiration based on average of 13.5% RWA and 4.25% Leverage Exposure 3 Over 2021-2024 CREDIT SUISSE 2021 Investor Day November 4, 2021 17#18Strengthen Simplify Invest for Growth Our new organizational structure will both strengthen and simplify our operating model Create global Wealth Management division Create global Investment Bank division Centralized Chief Technology and Operations organization Key considerations and ambitions ■ Global alignment of capabilities, products, client segmentation, front-to-back platforms and technology Leverage global capabilities through best-in-class integrated model across regions ■ Continue to drive successful integrated UHNW model and accelerate HNW growth in selected markets ■ Integrate Switzerland and Asia Pacific IBCM into the global Investment Bank to create a global IBCM franchise and further pivot towards a more capital-light, advisory-led business model ■ Build on Wealth Management nexus across GTS and IBCM businesses ☐ Further invest in our market-leading Credit, Securitized Products, GTS and Leveraged Finance & other IBCM businesses Integrate Group and Divisional technology and operations teams under the incoming CTOO ■ Harmonize unified client, banking and risk platforms across the Bank ■ Further strengthen our data capabilities, accelerate move to cloud technology and reinforce cybersecurity ■ Strong regional empowerment CREDIT SUISSE ■ Regions responsible for market presence and client coverage strategy Strengthen legal entity and risk oversight as well as regulatory relationships at a regionally-aligned level Strengthen collaboration across divisions in an integrated model across all four regions Regions lead or co-lead most HR-relevant matters, incl. recruiting, promotion, organization 2021 Investor Day November 4, 2021 18#19CREDIT SUISSE Americas APAC EMEA Switzerland Our new organizational structure with 4 divisions and 4 regions will support our strategy Global Capabilities and Regional Business Units Strengthen Primary external reporting divisions Wealth Management division Investment Bank Swiss Bank Asset Management division division division Investment Banking & Capital Markets Credit GTS Equities SRI - Sustainability, Research and Investment Solutions 2021 Investor Day Digital Corporate Institutional November 4, 2021 19 Global Capabilities and Regional Business Units Simplify Invest for Growth#20Strengthen Simplify Invest for Growth We aim to deliver CHF ~1.0-1.5 bn of efficiency savings by 2024 to fund growth investments Simplify Streamline Automate Creating global Wealth Management division Creating global Investment Bank division Centralizing technology and operations functions to deliver shared platform Rationalizing legal entity and banking platform set-up Optimizing our organizational structure Centralizing Procurement Digitalizing front-to-back operating model Delivering CSX in Swiss Bank CHF 1.0-1.5 bn of annual structural cost savings¹ by 2024 to invest for growth 1 Aspiration measured using adjusted operating expenses, excluding significant items, at constant 2021 FX rates, progressively increasing from 2022-2024; does not include cost reductions from exited businesses CREDIT SUISSE 2021 Investor Day November 4, 2021 20#21Strengthen We are positioned in attractive growth markets Simplify Invest for Growth Wealth Management WM revenue pool1, in CHF bn, ex US 162 3% CAGR 188 ~5% CAGR 234 Asset Management AM revenue pool¹, in USD bn ~5% CAGR 560 7% CAGR 459 Investment Banking IB revenue pool2, in USD bn Macro 3% CAGR ~(3)% CAGR 300 261 270 103 78 81 330 Equities 68 88 59 62 42 43 43 37 Credit 29 IBD 83 83 92 93 2015 2020 2024 2015 2020 2024 2015 2020 2023 #2 Global UHNW3 7% market share4 #2 Global HNW3 4% market share4 #4 Thematic Equity franchise Europe #5 IPOs 10 #1 Sponsors LevFin IBCM fees 10 #2 position in APAC5 Strong position in Emerging Markets Largest US CLO manager and second largest globally7 Leading index fund offering in CH, Top 5 in Europe with strong position in ESG8 Partner to one of the largest and most successful AM JV, ICBCCS, in China #1 Asset Finance11 #1 Structured Credit 12 #2 Structured Equity Derivatives 13 1 McKinsey Global Revenue pools 2 Oliver Wyman Revenue pools 3 Outside US; HNW excl. Swiss retail 4 McKinsey for WM AuM market size. Client segmentation based on personal financial assets UHNW (PFA USD >50 mn), HNW (PFA USD 1-50 mn) 5 Asian Private Banker, 2020 6 Incl. Emerging Europe, META, LatAM (ex Brazil), Brazil 7 Based on principal liabilities as of September 30, 2021 8 Based on ETF and index fund assets for ESG per Morningstar YE 2020, overall ranking according to Morningstar as of July 31st 2021 9 Market position, AuM, and market share based on 20% stake in ICBC JV 10 Dealogic 2017-9M21 11 Thomson Reuters F20A All US Securitizations 2017-9M21 period 12 Bloomberg, Credit Repacks 2017-9M21 period 13 Coalition Greenwich Competitor Analytics for the 2019-1H21 period CREDIT SUISSE 2021 Investor Day November 4, 2021 21#22Strengthen Simplify We are accelerating our growth in Wealth Management CBV of CHF ~1.6 trn Invest for Growth CBV growth aspiration >7% p.a. Client Business Volume in CHF bn NNA growth¹ Lending growth Adj. RoRC+ Capital deployed 1,019 8% USD CBV growth aspiration >6% p.a. 6% CAGR 1,321 Grow UHNW and accelerate Upper HNW, building on UHNW strength 2016 2018 2020 9M21 4%2 2%2 16%3 Expand Core HNW in Switzerland, offshore Europe and selected, sizeable onshore markets in APAC and EMEA Harmonize IT, optimize banking platforms, scale Luxembourg hub Accelerate Core HNW in additional markets with further enhancement of IT platform Build out China Mainland franchise leveraging our Bank for Entrepreneurs model and potential other markets 2022-2024 Aspiration Mid-single digit growth Mid- to high-single digit growth >18% by 2024 CHF ~3 bn of additional capital deployed, ~25% increase Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items 1 Average annual NNA growth rate 2 2017-2020 3 2018-2020 CREDIT SUISSE 2021 Investor Day 2025-2026 Aspiration November 4, 2021 22#23Strengthen Simplify Invest for Growth Our Wealth Management growth strategy is expected to deliver incremental recurring revenues of CHF >1 bn by 2024 Medium-term Aspirations We are investing for growth... CHF ~3 bn capital redeployed to Wealth Management over 2021-2024 RWA increase CHF ~20 bn LE increase by CHF ~70 bn ...to support higher AuM and CBV growth... ...and deliver significant revenue upside by 2024 AuM CHF 1.1 trn by 2024 from CHF 0.9 trn in 3Q21; mid-single digit NNA CAGR Incremental recurring revenues of CHF >1 bn Incremental commissions and fees of CHF 0.5 bn vs. 2021 ~500 increase in Relationship Managers ~15% increase over 2021-2024 Incremental net interest income of CHF -0.7 bn vs. 2021 +~60% IT spend² in 2024 vs. 2021E Step-up in technology investments CBV CHF 1.6 trn by 2024 from CHF 1.3 trn in 3Q21; mid- to high-single digit CAGR Our integrated model is expected to drive higher transaction-based revenues 1 Based on average of 13.5% RWA and 4.25% Leverage Exposure 2 Wealth Management total technology cash spend CREDIT SUISSE 2021 Investor Day November 4, 2021 23#24Strengthen Simplify Invest for Growth The Investment Bank has significantly reduced capital and improved underlying returns but performance remains volatile Capital reduction in the Investment Bank... in USD bn 3Q151 167 2020 3Q21 (51)% 94 83 888 ...with improved underlying performance adjusted RoRC+ unless otherwise stated, in % 2019 2020 9M21 reported 9M21 adj. excl. Archegos RWA Leverage Capital² 608 (42)% 387 8% 351 24 (46)% 15 13 11% Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RoRC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Incl. GM, IBCM, APAC Markets and SRU 2 Based on average of 13.5% RWA and 4.25% Leverage Exposure (12)% 26% + Impact of adjustments and Archegos USD -(5.1) bn related to Archegos 12% Cost of capital CREDIT SUISSE 2021 Investor Day November 4, 2021 24 24#25Strengthen Simplify Invest for Growth Our global Investment Bank is core to our integrated strategy Create global Investment Bank Be a strategic partner to our core corporate, entrepreneurial, institutional and UHNW clients Capital-light ■ Invest in capital-light Investment Banking & Capital Markets businesses IBCM Competitive ■ Drive market-leading Securitized Products and advantage Credit solutions Connectivity Capital velocity - Deliver differentiated cross-asset structured products and capital markets & advisory solutions to Wealth Management clients Leverage 3rd-party capital to grow Credit Leading Equity Capital Markets and Leveraged Finance franchises; invest in Advisory solutions and coverage Credit Pre-eminent Securitized Products business joined with leading IG/HY offering GTS Wealth Management centric franchise with best-in-class cross-asset, Structured Products, equity derivatives and trading execution Equities Focused, asset-light with strong high-touch execution capabilities, ECM distribution and research & content Our Aspiration Capital released¹ USD 3 bn over 2021-2022, a 25% reduction Invest for growth From 2023, invest capital for growth while remaining at 50% capital 1 of WM, SB, AM † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Based on average of 13.5% RWA and 4.25% Leverage 2 On an adjusted excluding significant items basis CREDIT SUISSE 2021 Investor Day RoRC+,2 >12% in 2024 November 4, 2021 25#26Strengthen Simplify Invest for Growth The Swiss Bank will serve corporate, institutional and digital banking clients as part of our Swiss universal bank model Key metric for Swiss Bank Client Business Volume in CHF bn 7% CAGR 675 635 601 2019 2020 9M21 Key levers "High-touch" Corporate & Institutional ☐ Capitalize on leading position and global connectivity leveraging our IB, GTS and AM businesses ■ Continue to drive capital velocity leveraging our distinct fund-based model ■ Continued disciplined risk management "High-tech" Private clients & SME ■ Drive CSX: grow private clients and target smaller SME clients ■ Further invest in digital client engagement and marketing Simplify and digitalize front-to-back 2024 Aspiration RoRC+,1 >12% CIR1 Low 50s CBV Low- to mid-single digit CAGR CAGR over 2022-2024 Pillars of success processes to drive operating leverage Institutional Banking for pension funds and banks Corporate Banking for multi-national Swiss corporates and SMEs Digital Banking for broader private client base and small businesses Consumer Finance with BANK-now and our participation in Swisscard Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 On an adjusted basis excluding significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 26#27Strengthen Simplify Invest for Growth We expect to grow our multi-specialist Asset Management division with a refocus on our core product capabilities Key metric for Asset Management AuM in CHF bn 5% CAGR 475 438 440 2019 2020 9M21 Pillars of success Key levers Distribution ☐ Expand footprint in selected European and Asian markets Strengthen sales support teams on regional and global level Products ■ Enhance innovative alpha solutions (private markets, thematic equities, ESG) Strengthen breadth and quality of institutional-grade yield products (fixed income and Real Estate) 2024 Aspiration RoRC+,1 >45% CIR1 ~75% NNA >4% Growing our core operating businesses; exit non-core Investments & Partnerships Strong connectivity to Wealth Management and Swiss Bank Leading Alternatives and Alternatives-lite offerings Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 On an adjusted excluding significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 27#28Strengthen Simplify Strategic goals for our new regions for 2022-2024 Lead client coverage and drive cross-divisional collaboration to bring the full Bank to our private, corporate and institutional clients Key strategic initiatives Grow share in stable, mature Swiss home market Turn EMEA towards profitability Build on leadership position in fast-growth APAC region Reshape Americas ■ Maintain existing, successful integrated “Universal Bank" approach ■ Gain share in our "high-touch" model for corporate, institutional and WM clients ■ Differentiate, grow our CSX digitally led-hybrid service model Strengthen our integrated Wealth Management model through mid-market Investment Banking Advisory ■ Scale our Luxembourg Wealth Management hub to serve pan-EU clients ◉ Capitalize on Middle East growth opportunity ■ Continue to capitalize on growth opportunity in APAC leveraging our successful integrated Bank for Entrepreneurs model ■ Further scale international hubs in Singapore / Hong Kong " Build-out China Mainland franchise ■ Invest in capital-light Investment Banking & Capital Markets business and market leading Credit solutions ■ Build on our strong market position in Brazil and invest in LatAm growth opportunity ■ Exit Prime Services² and reduce capital deployed to the Corporate Bank Key Aspirations¹ Invest for Growth Grow CBV at mid-single digit p.a. Strengthen integrated model Deliver consistent Economic Profit³ Increase the share of revenues and capital allocated to APAC Grow CBV at high-single digit p.a. Optimize and shift capital allocation Improve Economic Profit³ Strengthen legal entity and risk oversight as well as regulatory relationships at a regionally-aligned level 1 On an adj. excl. significant items basis 2 With the exception of Index Access 3 Economic Profits = Adj. PTI (1-25% tax rate) less Capital Charge (Cost of Equity: 8% Wealth Management, Swiss Bank, Asset Management, 12% Investment Bank, 10% Corporate Center) CREDIT SUISSE 2021 Investor Day November 4, 2021 28#29Strengthen Simplify Sustainability strategy in delivery mode, with progress across the franchise Sustainability strategy announced in 2020 Deliver sustainable solutions Enable до client transitions Engage with thought leadership Drive our own transition Consistent execution in 2021 Broadened ESG product shelf and fund offering Launched distinctive products through collaborations with, e.g., BlackRock, JP Morgan AM and Rockefeller Implemented Sustainability Activities Framework to enable deal transparency and product oversight Partnered with Corporate clients to drive their own transition Successfully executed inaugural Sustainability Week and 5th Global Women's Financial Forum Drove ESG thought-leadership and key publications including thematic sector reports and top 25 themes ■ Started net zero program, enhanced risk frameworks and defined additional time-bound coal related restrictions Published first-ever CS Sustainability Report Wealth Management ESG funds # of funds Sustainable AuM1 in CHF bn 4Q20 99 65 Invest for Growth 3Q21 147 108 (7%)2 144 (9%)2 40 40 88 Adapt our culture & engagement Established Board Sustainability Advisory Committee Enhanced Code of Conduct, D&I strategy and revised ESG-linked ExB scorecards Cumulative Sustainable Finance Volume³ in CHF bn 24 22 Leading the Bank and our clients into a sustainable future 1 Refers to Credit Suisse's assets managed according to sustainability criteria 2 Percentage share of Sustainable AuM versus Total AuM 3 Cumulative volume of finance transactions that have been classified as sustainable under the Credit Suisse Sustainable Finance Framework since January 2020 CREDIT SUISSE 2021 Investor Day November 4, 2021 29#30Strengthen Simplify Invest for Growth Leading the bank and our clients into a sustainable future CLIENTS SHARE- HOLDERS SRI NGOs REGULATORS EMPLOYEES ◉ PÅ CREDIT SUISSE 2021 Investor Day Support clients' transition and expand sustainable investment and financing offering, also via strategic partnerships ■ Continue progress towards CHF 300 bn sustainable finance aspiration ☐ Deliver alpha via sustainability research and theme selection Credibly execute ESG agenda also reflecting shareholder expectations ■ Deliver on our transition to net zero by end of 2050 Engage through key market initiatives to drive industry solutions contributing towards solving society's problems Engage in a culture of sustainability, diversity and inclusion ■ Train employees in ESG and invest in talent and education to strengthen sustainability governance Enhance governance and frameworks ■ Further enhance sustainability reporting November 4, 2021 80 30#31We are continuing our transformation Capital³ 2015 2020 Strengthen Simplify Invest for Growth 2022 2024 assuming B3R implementation on 1/1/24 CC1 WM CC & AM1,2 WM, SB & AM CC WM, SB & AM CC 36% 57% IB1,2 51% 34% IB WM, SB & AM to IB capital allocation ratio 0.6x 1.5x WM, SB & AM 27% 57% 28% 57% IB IB ~2.0x ~2.0x Capital reallocation through exit of Prime Services, targeted reductions in the Corporate Bank and in GTS; redeploy CHF ~3 bn of capital³ into Wealth Management Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 As of 3Q15 2 IB incl. GM, IBCM, APAC Markets and SRU; WM incl. SUB, IWM, APAC WM&C 3 Based on avg of 13.5% RWA and 4.25% Leverage 4 With the exception of Index Access and APAC Delta One CREDIT SUISSE 2021 Investor Day November 4, 2021 31#32Our 2024 financial aspirations Adj. RoRC+ excl. sign. items Average 2018-2020 Wealth Management Investment Bank 9% 16% Swiss Bank 12% Asset Management Release USD >3 bn of Investment Bank capital¹ over 2021-2022 ~(25)%; targeted investments from 2023 Invest CHF -3 bn of capital¹ into Wealth Management over 2021-2024 +25% 35% Increase capital¹ Strategic Plan 2024 Aspirations Adj. RoRC+ excl. sign. items Wealth Management >18% Investment Bank >12% Swiss Bank >12% Asset Management >45% Corp Center and SRU adj. pre-tax loss CHF 1.4 bn CIR ~80% adj. excl. sign, items CET1 ratio 12-13% Leverage ratio 4.0-4.5% Reported Group ROTE+ ~7% allocated to WM, SB, AM vs. the IB to ~2.0x in 2022 and beyond Invest incremental CHF 1.0-1.5 bn p.a. into growth investments by 2024, progressively increasing from 2022, funded by structural cost savings Corp Center adj. pre-tax loss CHF -0.5 bn CIR adj. excl. sign. items ~70% CET1 ratio >14% pre-B3R Leverage ratio ~4.5% Reported Group ROTE+ >10% Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change. Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage Return on tangible equity, a non-GAAP financial measure, is calculated as annualized net income attributable to shareholders divided by average tangible shareholders' equity 1 Based on average of 13.5% RWA and 4.25% Leverage CREDIT SUISSE 2021 Investor Day November 4, 2021 32#33Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 33#34Financial Perspectives Credit Suisse 2021 Investor Day David Mathers, Chief Financial Officer November 4, 2021 CREDIT SUISSE#35Financial goals for our new divisions for 2022-2024 Key strategic initiatives Key financial goals² Accelerate growth in 1 Wealth Management 2 3 Reshape the Investment Bank Continue to develop the Swiss Bank Grow core 4 Asset Management Deliver Group productivity cost 5 savings to release investment resources ☐ Expand UHNW and Upper HNW; accelerate growth in Core HNW ■ Invest and further scale ~20 priority markets; exit 10 non-core markets ~ Leverage investment, financing, advisory and capital markets solutions Exit Prime Services¹, optimize Corporate Bank and reduce GTS businesses without strong WM-nexus Invest in capital-light Advisory and leading Credit business Continue to differentiate GTS to support WM ■ Drive digital model for retail and SME clients Strengthen collaboration with IB, GTS and AM for corporate and institutional clients ◉ Expand core operating businesses ■ Invest in distribution capabilities ■ Reduce I&P RWA portfolio by ~40% ■ Streamline with new organizational structure Unify IT and Operations functions across the bank ■ Enhance focus on centralized procurement and organizational structure incl. spans & layers † RoRC is a non-GAAP financial measure, see Appendix. Based on the average of 13.5% of RWA and 4.25% of Leverage Invest CHF-3 bn of capital³ over 2021-2024, a~25% capital increase Release USD >3 bn of capital³ over 2021-2022, a~25% capital reduction; from 2023 invest capital for growth CIR in low 50s in 2024 CHF 1.1 trn AuM by 2024 CHF 1.6 trn CBV by 2024 RORC >12% in 2024 RoRC+ >12% in 2024 CIR -75% in 2024 RoRC+ >45% in 2024 CHF Deliver 1.0-1.5 bn of annual structural cost savings to invest for growth by 2024 1 With the exception of Index Access and APAC Delta One 2 On an adj. excl. significant items basis 3 Based on the avg. of 13.5% of RWA and 4.25% of Leverage Exposure 4 Aspiration measured using adj. operating expenses, excl. significant items, at constant 2021 FX rates, progressively increasing from 2022-2024 CREDIT SUISSE 2021 Investor Day November 4, 2021 35#36We are simplifying our divisional structure around three global divisions and our core Swiss Bank... Credit Suisse Divisional structure 9M21, adjusted excl. significant items and Archegos (unless otherwise stated), in CHF bn (unless otherwise stated) Swiss Universal Bank International Wealth Management Asia Pacific Investment Bank in USD bn Asset Management Corporate Center Net revenues 4.1 Net revenues 2.5 Net revenues 2.5 Net revenues 8.6 Net revenues 1.2 Net revenues 0.0 Current PTI (adj./rep.) 1.8/2.0 PTI (adj./rep.) 0.7/0.9 PTI (adj./rep.) 0.8/1.0 PTI (adj./rep.) 3.4/(1.8) PTI (adj./rep.) 0.3/0.2 PTI (adj./rep.) (0.6)/(1.3) AuM 724 AuM 396 AuM 230 Allocated capital¹ 12.0 Allocated capital¹ 4.6 Allocated capital¹ 3.5 RoRC+ (ajd./rep.) 15%/17% RoRC+ (ajd./rep.) 16%/21% Econ. profit2 (adj./rep.) 0.6/0.8 Econ. profit2 (adj./rep.) 0.3/0.4 RoRC+ (adj./rep.) Econ. profit2 (adj./rep.) 23%/28% 0.4/0.5 Allocated capital¹ RoRC+ (adj./rep.) 26%/(14)% Econ. profit2 (adj./rep.) 1.4/(2.5) 12.2 AuM 475 Allocated capital¹ 6.3 Allocated capital¹ 0.6 RoRC+ (adj./rep.) (9)%/(22)% RoRC+ (adj./rep.) Econ. profit2 (adj./rep.) 50%/33% 0.2/0.1 Econ. profit2 (adj./rep.) (0.9)/(1.5) IB AM CC IWM -8. From January 1, 2022 SUB PB (UHNW, HNW, EAM) SUB Digital Banking SUB Corp. & Institutional SUB IBCM APAC PB APAC IBCM Wealth Management Swiss Bank Investment Bank in USD bn Asset Management Corporate Center Net revenues 6.6 Net revenues 2.1 Net revenues 9.0 Net revenues PTI (adj./rep.) 2.2/2.6 PTI (adj./rep.) 1.0/1.2 PTI (adj./rep.) AuM 877 AuM 472 Allocated capital¹ 3.6/(1.6) 13.0 PTI (adj./rep.) 1.2 0.3/0.2 Net revenues PTI (adj./rep.) 0.0 (0.6)/(1.3) AuM 475 Allocated capital¹ 12.1 Allocated capital¹ 7.2 RoRC+ (adj./rep.) 19%/22% Econ.profit2 (adj./rep.) 1.0/1.2 RoRC+ (adj./rep.) Econ. profit2 (adj./rep.) 14%/16% 0.3/0.5 RoRC+ (adj./rep.) Econ.profit2 (adj./rep.) 26%/(12)% 1.5/(2.4) Allocated capital¹ RoRC+ (adj./rep.) Econ. prof.2 (adj./rep.) 0.6 50%/33% 0.2/0.1 Allocated capital¹ RoRC+ (adj./rep.) Econ. profit2 (adj./rep.) 6.3 (9)%/(22)% (0.9)/(1.5) Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change; Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix; Divisional AuM shown are gross of AuM managed across Businesses † RoRC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Based on average of 13.5% RWA and 4.25% Leverage 2 Economic Profits = Adj. PTI (1-25% tax rate) less Capital Charge (Cost of Equity: 8% Wealth Management, Swiss Bank, Asset Management, 12% Investment Bank, 10% Corporate Center) CREDIT SUISSE 2021 Investor Day November 4, 2021 36#37...and are creating a matrix of global divisions with strong regional accountability Credit Suisse Regional structure 9M21 adjusted excl. significant items and Archegos (unless otherwise stated), in CHF bn Switzerland EMEA APAC Americas Net revenues (adj./rep.) 4.6/5.0 Net revenues (adj./rep.) 3.7/3.7 Net revenues (adj./rep.) 3.3/3.5 Net revenues (adj./rep.) 6.6/6.0 PTI (adj./rep.) 1.9/2.3 PTI (adj./rep.) 0.6/0.6 PTI (adj./rep.) 1.0/1.2 PTI (adj./rep.) 3.3/(1.7) Allocated capital¹ 11.3 Allocated capital 7.3 Allocated capital 3.6 Allocated capital 9.8 RoRC+ (adj./rep.) 17%/21% RoRC+ (adj./rep.) 8%/8% Economic profit2 (adj./rep.) 0.8/1.0 Economic profit2 (adj./rep.) (0.1)/(0.1) RoRC+ (adj./rep.) Economic profit2 (adj./rep.) 27%/31% RoRC+ (adj./rep.) 32%/(17)% 0.5/0.6 Economic profit2 (adj./rep.) 1.6/(2.1) Revenues APAC Switzerland 18% 25% CHF 18.2 bn 36% 20% Americas EMEA Allocated capital 1 APAC 11% Switzerland 35% CHF Americas 31% 32.1 bn 23% EMEA Note: Historical information presented according to the new regional structure is a preliminary estimate based on management accounts and subject to change; Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix; includes rounding differences; excluding Corporate Center † RoRC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Based on average of 13.5% RWA and 4.25% Leverage 2 Economic Profits = Adj. PTI (1-25% tax rate) less Capital Charge (Cost of Equity: 8% Wealth Management, Swiss Bank, Asset Management, 12% Investment Bank, 10% Corporate Center) CREDIT SUISSE 2021 Investor Day November 4, 2021 37#38We have delivered strong growth in Wealth Management despite CHF appreciation Wealth Management key metrics adjusted excl. significant items, in CHF bn CHF USD CAGR CAGR³ 2019 2020 9M21 '19-9M21 '19-9M21 1,321 5% 7% 1,213 1,237 184 Net loans 0% 2% 184 178 Strong growth in CBV despite limited lending growth 259 AuC 16% 18% 201 242 Client Business Volume 828 817 877 AuM 3% 5% NNA growth of ~3% with stable RM levels 19% 16% 16% RoRC+ NNA growth1 Allocated capital² 12.0 3% 11.7 12.1 Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RORC is a non-GAAP financial measure, see Appendix. Based on the average of 13.5% of RWA and 4.25% of Leverage 1 Average annual NNA growth rate 2 Based on the average of 13.5% of RWA and 4.25% of Leverage Exposure 3 Based on USD/CHF year-end spot exchange rate CREDIT SUISSE 2021 Investor Day Operating leverage impacted by rates and FX headwinds November 4, 2021 38#39Our Wealth Management growth strategy is expected to deliver incremental recurring revenues of CHF >1 bn by 2024 Medium-term Aspirations We are investing for growth... CHF ~3 bn capital redeployed to Wealth Management over 2021-2024 RWA increase CHF ~20 bn LE increase by CHF ~70 bn ...to support higher AuM and CBV growth... ...and deliver significant revenue upside by 2024 AuM CHF 1.1 trn by 2024 from CHF 0.9 trn in 3Q21; mid-single digit NNA CAGR Incremental recurring revenues of CHF >1 bn Incremental commissions and fees of CHF 0.5 bn vs. 2021 ~500 increase in Relationship Managers ~15% increase over 2021-2024 Incremental net interest income of CHF -0.7 bn vs. 2021 +~60% IT spend² in 2024 vs. 2021E Step-up in technology investments CBV CHF 1.6 trn by 2024 from CHF 1.3 trn in 3Q21; mid- to high-single digit CAGR Our integrated model is expected to drive higher transaction-based revenues 1 Based on average of 13.5% RWA and 4.25% Leverage Exposure 2 Wealth Management total technology cash spend CREDIT SUISSE 2021 Investor Day November 4, 2021 39#40Reduce Investment Bank capital by ~25% by 2022; invest in Advisory, Capital Markets, Credit and GTS Key actions... Exit Prime Services¹ ...to release USD >3 bn of capital 2 over 2021-2022... Allocated capital² in USD bn ~(25)% 14.6 ~13.0-13.53 13.0 ~11 ...fund growth initiatives Invest and build share in capital-light Investment Banking & Capital Markets businesses Optimize Corporate Drive market-leading Securitized Products and Credit solutions Bank exposure to align our risk 2020 appetite to our strategic focus areas Reduce GTS businesses without a strong Wealth Management nexus 3Q21 2022 Aspiration 2024 Aspiration IB reshaping estimated impact 2022 vs. 2021 Prime Services exit Lower revenues Lower OpEx USD ~(0.6) bn USD ~(0.4) bn USD >3 bn of capital release² Write-down of CHF 1.6 bn of Investment Bank goodwill in 4Q21 Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage RoRC+,4 >12% Remain at 50% capital² of WM, SB, AM Deliver differentiated cross-asset structured products solutions via a Wealth Management focused GTS Support Wealth Management and ECM with a focused, capital- light Cash Equities platform 1 With the exception of Index Access and APAC Delta One 2 Based on the avg. of 13.5% of RWA and 4.25% of Leverage Exposure 3 Assumes impact of Basel 3 reforms of USD 1.0-1.5 bn on 1/1/24 4 On an adj. excl. significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 40#41Swiss Bank expected to deliver positive operating leverage Swiss Bank key metrics adjusted, excl. significant items, in CHF bn 2019 2020 9M21 7% CAGR 675 635 601 Client Business Volume 13% 14% 10% RoRC+ CIR Allocated capital¹ 54% 56% 53% 7.0 7.1 7.2 Our 2024 Aspiration Low- to mid-single digit CAGR over 2022-2024 RORC >12% in 20242 CIR in low 50s in 20242 Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change; Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Based on the average of 13.5% of RWA and 4.25% of Leverage Exposure 2 On an adj. excl. significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 41#42Asset Management will focus on growing core operating businesses and reduce I&P portfolio Asset Management key metrics adjusted, excl. significant items, in CHF bn 2019 2020 9M21 5% CAGR 475 438 440 AuM 45% 50% RoRC+ 19% CIR Allocated capital¹ 70% 85% 71% 0.7 0.7 0.6 Our 2024 Aspiration NNA growth >4% RORC >45% in 20242 CIR-75% in 20242 Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change; Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 Based on the average of 13.5% of RWA and 4.25% of Leverage Exposure 2 On an adj. excl. significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 42#43We expect to maintain a ratio of at least twice as much capital in WM, SB & AM activities as in IB Capital³ 2015 2020 2022 2024 assuming B3R implementation on 1/1/24 CC1 WM CC & AM1,2 WM, SB & AM CC WM, SB & AM CC 36% 57% IB1,2 51% 34% IB WM, SB & AM to IB capital allocation ratio 0.6x 1.5x WM, SB & AM 27% 57% 28% 57% IB IB ~2.0x ~2.0x Capital reallocation through exit of Prime Services, targeted reductions in the Corporate Bank and in GTS; redeploy CHF ~3 bn of capital³ into Wealth Management Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 As of 3Q15 2 IB incl. GM, IBCM, APAC Markets and SRU; WM incl. SUB, IWM, APAC WM&C 3 Based on avg of 13.5% RWA and 4.25% Leverage 4 With the exception of Index Access and APAC Delta One CREDIT SUISSE 2021 Investor Day November 4, 2021 43#44We expect to continue to increase our investment spend Capital expenditure1 in CHF bn 2.8 ~(20)% 2.2 +35% ~3.0 2.7 2016 2018-2020 average 2021 Estimate 2 2024 Aspiration 1 At constant 2021 FX rates CREDIT SUISSE Future investment focus Scale Wealth Management, with a focus on ~20 priority markets Build out China Mainland leveraging Bank for Entrepreneurs model Continue digitalizing Wealth Management and Swiss Bank through client and RM tools Invest in Investment Banking & Capital Markets and drive leading Credit solutions Enhance Asset Management distribution and product suite Drive data analytics and automation; cloud and cybersecurity Strengthen Risk and Control foundation 2 Estimates and assumptions are based on currently available information and beliefs, expectations and opinions of management and include all known facts and decisions as of November 4, 2021. Actual results may differ 2021 Investor Day November 4, 2021 44#45We aim to deliver CHF ~1.0-1.5 bn of efficiency savings by 2024 to fund growth investments Simplify Streamline Automate Creating global Wealth Management division Creating global Investment Bank division Centralizing technology and operations functions to deliver shared platform Rationalizing legal entity and banking platform set-up Optimizing our organizational structure Centralizing Procurement Digitalizing front-to-back operating model Delivering CSX in Swiss Bank CHF 1.0-1.5 bn of annual structural cost savings¹ by 2024 to invest for growth 1 Aspiration measured using adjusted operating expenses, excluding significant items, at constant 2021 FX rates, progressively increasing from 2022-2024; does not include cost reductions from exited businesses CREDIT SUISSE 2021 Investor Day November 4, 2021 45#46We expect adjusted operating expenses to be between CHF 16.5-17.0 bn in 2022 to 2024 Illustrative development of adjusted operating expenses excl. significant items¹ in CHF bn, FXC ~16.2-16.5 ~(0.4) ~0.5 Yr3 Yr3 1.5 Amortization of 16.5-17.0 investments in ~40% Yr2 infrastructure to support growth Yr1 Yr2 Yr1 ~60% Increasing to ~(1.0)-(1.5) by 2024 Increasing to ~1.0-1.5 by 2024 Operating cost increases as part of the growth plan (e.g. RM hires) 2021 Estimate² Business exits Variable compensation normalization Structural cost savings Invest for growth We expect adjusted operating expenses to be between CHF 16.5-17.0 bn in 2022 to 2024¹; In addition, we expected CHF ~400 mn of restructuring expenses between 4Q21 and 2022 1 At constant 2021 FX rates 2022-2024 Aspiration 2 Estimates and assumptions are based on currently available information and beliefs, expectations and opinions of management and include all known facts and decisions as of November 4, 2021. Actual results may differ CREDIT SUISSE 2021 Investor Day November 4, 2021 46#47We have improved our capital ratios and aim for a CET1 ratio of >14% and a CET1 Leverage ratio of ~4.5% We have improved our capital ratios... CET1 ratio ...and expect to strengthen our balance sheet further Strong capital ratios 2024 Aspirations 14.4% to support growth across businesses 12.7% 12.9% 2019 2020 9M21 CET1 Leverage ratio 4.3% 4.0% 3.9%1 2019 2020 9M21 Improve credit ratings and tighten credit spreads Prepared to meet B3R requirements, in 2024 or later Buffer for Leverage ratio to complement CET1 ratio requirements CET1 ratio Pre-B3R >14% CET1 Leverage ratio ~4.5% The 2021 dividend recommendation to shareholders will be made by the Board of Directors next February as part of the FY 2021 results announcement Aim for a net income distribution of ~25% in 20222 1 Leverage exposure without the temporary exclusion of central bank reserves permitted by FINMA in 2020 2 Based on net income attributable to shareholders and subject to market and economic conditions CREDIT SUISSE 2021 Investor Day November 4, 2021 47#48Our 2024 financial aspirations Adj. RoRC+ excl. sign. items Average 2018-2020 Wealth Management Investment Bank 9% 16% Swiss Bank 12% Asset Management Release USD >3 bn of Investment Bank capital¹ over 2021-2022 ~(25)%; targeted investments from 2023 Invest CHF -3 bn of capital¹ into Wealth Management over 2021-2024 +25% 35% Increase capital¹ Strategic Plan 2024 Aspirations Adj. RoRC+ excl. sign. items Wealth Management >18% Investment Bank >12% Swiss Bank >12% Asset Management >45% Corp Center and SRU adj. pre-tax loss CHF 1.4 bn CIR ~80% adj. excl. sign, items CET1 ratio 12-13% Leverage ratio 4.0-4.5% Reported Group ROTE+ ~7% allocated to WM, SB, AM vs. the IB to ~2.0x in 2022 and beyond Invest incremental CHF 1.0-1.5 bn p.a. into growth investments by 2024, progressively increasing from 2022, funded by structural cost savings Corp Center adj. pre-tax loss CHF -0.5 bn CIR adj. excl. sign. items ~70% CET1 ratio >14% pre-B3R Leverage ratio ~4.5% Reported Group ROTE+ >10% Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change. Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage Return on tangible equity, a non-GAAP financial measure, is calculated as annualized net income attributable to shareholders divided by average tangible shareholders' equity 1 Based on average of 13.5% RWA and 4.25% Leverage CREDIT SUISSE 2021 Investor Day November 4, 2021 48#49Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 49 49#50Global leader in Wealth Management Credit Suisse 2021 Investor Day Philipp Wehle, CEO International Wealth Management November 4, 2021 CREDIT SUISSE#51Credit Suisse is a leading global Wealth Manager Attractive and growing Wealth Management industry ■ One of the most attractive segments in financial services ■ Global wealth expected to grow at 5% p.a., faster than GDP ■ Wealth in APAC and Emerging Markets expected to grow even faster at ~7% p.a. Credit Suisse has global scale and leadership... Top 2 Global Wealth Manager outside US; Client Business Volume of CHF 1.3 trn² ■ #1 UHNW and Top 2 HNW in Switzerland³ ■ Market leading positions in Emerging Markets, e.g., Best Private Bank in Middle East, Brazil4 ■ #1 South-East Asia and Top 2 in APAC ☐ Strong brand and heritage with House View at the core ...and is well positioned to capture further upside ■ Distinct depth and breadth of our global offering and scalable infrastructure Benefitting from our integrated model with IBCM, GTS, AM and SRI Aspiration to gain market share with full offering and technology-led solutions ✓ Bank for Entrepreneurs CREDIT SUISSE Advisory-led solutions. ✓ Global integrated bank Source: McKinsey Wealth Pools, 2021 1 AuM in CHF, ex-North America 2 As of 3Q21 3 As of 2020, estimate based on McKinsey, BCG, Asian Private Banker 4 Euromoney Private Banking & Wealth Management Survey 2021 CREDIT SUISSE 2021 Investor Day November 4, 2021 51#52Strong track record of growth in Wealth Management Client Business Volume in CHF bn 6% CAGR 8% 1,321 USD 1,237 1,096 1,019 2016 2018 2020 9M21 EUROMONEY Best Private Bank for PRIVATE BANKING Ultra High Net Worth Clients 2021 Strong asset origination NNA growth of 4% p.a.1 Upside from further asset activation +~6 pp. increase in mandate penetration² RoRC+3 of 16%4 Best Private Bank for High Net Worth Clients in Asia Pacific Best Private Bank in the Middle East Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 2017-2020 2 2016-3Q21 3 On an adjusted excluding significant items basis 4 2018-2020 average 2021 Investor Day CREDIT SUISSE November 4, 2021 52#53Levers to accelerate our Wealth Management growth Strengthen, simplify and invest to leverage the integrated global Wealth Management division Expand market-leading UHNW & Upper HNW franchises and accelerate growth of Core HNW 2 Invest in Relationship Managers for added scale in priority markets and build in China Mainland 3 Leverage our integrated model with investment solutions, financing, advisory and capital markets Invest in technology-enabled client experience 5 Simplify operating model and front-to-back processes CHF 3 bn of capital¹ redeployed to Wealth Management over 2021-2024, a ~25% increase ~500 increase (~15%) in Relationship Managers over 2021-2024 to further scale up our franchise Step change in technology and platforms investments with +~60% IT spend² in 2024 vs. 2021E Focus on strong risk management and controls foundation Strong regional empowerment driving cross-division collaboration and market presence 1 Based on average of 13.5% RWA and 4.25% Leverage Exposure 2 Wealth Management total technology cash spend CREDIT SUISSE 2021 Investor Day November 4, 2021 53#541 Expand client footprint with tailored propositions across the wealth spectrum Advisor led Wealth client segments AuM Market pool ex-US 2020, in CHF Market AuM growth ex-US CAGR '20-'25 CS market share¹ in % Digitally enabled UHNW 10 trn ~6% ~7% Upper HNW 3 trn ~5% Core HNW 8 trn ~5% ~4% Credit Suisse Key priorities Build on leading UHNW franchise with alpha from integrated delivery and collaboration top 2 in UHNW and HNW outside US¹ Extend UHNW strengths to upper HNW especially in APAC and Emerging Markets Grow Switzerland, offshore Europe and sizeable onshore APAC and EMEA markets Source: McKinsey Wealth Pools, 2021 1 Market share based on markets (client domiciles, onshore/offshore) and client segments Credit Suisse is active in CREDIT SUISSE 2021 Investor Day November 4, 2021 54 54#55Our integrated offering has been a key driver of success and differentiator for UHNW and Entrepreneur clients One-stop-shop value proposition across clients' lifecycle Strong growth in UHNW segment Wealth succession Wealth acceleration & transfer Wealth building & monetization & preservation Comprehensive, integrated financing capabilties Global corporate advisory & capital market execution Bespoke GTS structured investment solutions and research content Specialist investment consultants, and private & alternatives offering Sustainability, impact investing and ESG advisory Philanthropy and family office advisory; Next Gen and succession planning UHNW AuM growth CAGR '16-'20 Global WM + Global IB + Empowered regional organization driving cross-divisional collaboration SRI + Global AM Grow UHNW and accelerate Upper HNW, build on UHNW strength Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 Based on McKinsey Wealth Pools CREDIT SUISSE 2021 Investor Day ~2x Credit Suisse Market¹ November 4, 2021 55#56Focused HNW coverage matters and has been successful in driving growth and scale Superior client experience and value proposition Focused coverage model driving strong business performance Wealth planning and House View led advisory at the core Personalized and timely offering, driven by advanced data analytics Examples of HNW focused units ~35% of our Global HNW AuM Penetration in mandate solutions as % of AuM +2 pp. +2 pp. Swiss Private Banking #2 market position¹ +2 pp. EMEA Private Banking International +3 pp. Sizeable offshore business 4Q19 4Q20 3Q21 Over 2019-9M21: Omni-channel engagement, with hybrid service model Larger scale with client activation & conversion Client Business Volume growth of ~10% in Swiss PB and EMEA PBI ✓ Cost efficiency Decreasing CIR in Swiss PB at mid-60s and <50% CIR for EMEA PBI Expand Core HNW in Switzerland, offshore Europe and selected, sizeable onshore markets in APAC and EMEA Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 Estimate based on McKinsey and BCG CREDIT SUISSE 2021 Investor Day November 4, 2021 56 56#572 Increase scale in priority markets with RM growth Number of Relationship Managers ~(5)% ~2,950 ~2,800 ~2,810 -15% -3,300 o/w APAC +12% vs. 2020 2016 2020 9M21 2022 2023 2024 Aspiration Annualized NNA growth rate as % of AuM Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change CREDIT SUISSE 2021 Investor Day 4% Mid-single digit 2016-9M21 2022-2024 Aspiration November 4, 2021 57#583 Deepen share with advisory and investment solutions GTS Our systematic House View is the core of our value proposition uctured Prod Private Markets Mandates House View Funds Asset Management SRI Investment Solutions Our priorities Consistently grow discretionary and advisory mandates Embed Sustainability, ESG in thematic solutions and advisory process Convert Supertrends views to deepen strength in Thematic equities ■ Continue to grow our Private Markets and Alternatives offering Grow differentiated, cross-asset structured investment solutions Mandate penetration in % of AuM 33-35% 29% 30% 26% 24% 2016 2018 2020 9M21 2024 Aspiration Alternatives and PE feeder funds AuM in CHF bn 2x → 2016 2018 2020 9M21 2024 Aspiration Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change CREDIT SUISSE 2021 Investor Day November 4, 2021 58#593 Drive lending and advisory solutions in collaboration with the Investment Bank Net loans¹ in CHF bn CAGR ~3% 174 177 184 178 184 162 mid to high single digit APAC success as Bank for Entrepreneurs with integrated model delivers full spectrum of advisory & financing solutions to Wealth Management and IBCM clients USD >30 bn client assets from collaboration³ 2018-9M21 ~40% of APAC IBCM MDS with asset referrals 2018-9M21 2016 2017 2018 2019 2020 9M21 2022 2023 2024 PCL ratio² 3 3 in bps 13 Aspiration Integrated APAC financing platform with bespoke solutions and balanced portfolio across geographies ■ Build on extensive front-to-back capabilities and act as “one-stop-shop” for Wealth Management clients ■ Balanced increase in lending across regions and lending types, including standard Lombard, real assets and structured financing Maintain strong risk discipline and rigorous lending standards Clients Lending U/HNWIS Lombard Entrepreneurs Structured Sponsors Corporates Real Asset Share-backed Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 Including mortgages 2 Provision for credit losses as % of average loans 3 Client assets referred by APAC IBCM bankers to APAC WM CREDIT SUISSE 2021 Investor Day Risk Focus Structuring Portfolio management Syndication Hedging November 4, 2021 59#60Deliver superior client experience with targeted technology spend Priorities Investments Personalized offering, driven by analytics IT spend ~+60% in 2024 (Aspiration) vs. 2021E Sample achievements End-to-end digital advisory - customized advice at broad scale +35% client investment proposals² 9M21 vs. 9M20 Direct-to-client investment ideas Omni channel client experience for better conversion Wealth Management total IT spend 1 in %, medium-term aspiration Front office Risk & compliance & other -30% ~40% Bespoke direct to client advice and communication channel (launched in 2019) ~2X clients on CS Chat³ 9M21 vs. 9M20 ~30% Products & platform CSX digital banking offering leading transition to digital Strong uptake in new clients >50% are younger than 35 years 1 Wealth Management total technology cash spend 2 For EMEA PBI 3 Within APAC division 4 In SUB CSX CREDIT SUISSE 2021 Investor Day November 4, 2021 60#61Simplify the operating model and front-to-back processes Priorities Invest in digitalization and automation of operating model Consolidate and leverage technology assets across geographies Enhance risk management and controls in global processes Streamline onboarding journey with fewer steps and faster turnaround Target state Higher front office productivity with more time for client advisory Cost efficiency enabled by a scalable, global technology platform Strong risk management and controls enabling sustained quality growth Better client experience right from the start Example medium- term aspirations 2x share of fully digital onboardings 75% of workflows to be digitalized 1 Volume-weighted CREDIT SUISSE 2021 Investor Day November 4, 2021 61#62Our Wealth Management growth strategy is expected to deliver incremental recurring revenues of CHF >1 bn by 2024 Medium-term Aspirations We are investing for growth... CHF ~3 bn capital redeployed to Wealth Management over 2021-2024 RWA increase CHF ~20 bn LE increase by CHF ~70 bn ...to support higher AuM and CBV growth... ...and deliver significant revenue upside by 2024 AuM CHF 1.1 trn by 2024 from CHF 0.9 trn in 3Q21; mid-single digit NNA CAGR Incremental recurring revenues of CHF >1 bn Incremental commissions and fees of CHF 0.5 bn vs. 2021 ~500 increase in Relationship Managers ~15% increase over 2021-2024 Incremental net interest income of CHF -0.7 bn vs. 2021 +~60% IT spend² in 2024 vs. 2021E Step-up in technology investments CBV CHF 1.6 trn by 2024 from CHF 1.3 trn in 3Q21; mid- to high-single digit CAGR Our integrated model is expected to drive higher transaction-based revenues 1 Based on average of 13.5% RWA and 4.25% Leverage Exposure 2 Wealth Management total technology cash spend CREDIT SUISSE 2021 Investor Day November 4, 2021 62#63We are accelerating our growth in Wealth Management CBV of CHF ~1.6 trn CBV growth aspiration >7% p.a. Client Business Volume in CHF bn NNA growth¹ Lending growth Adj. RoRC+ Capital deployed 1,019 8% USD CBV growth aspiration >6% p.a. 6% CAGR 1,321 Grow UHNW and accelerate Upper HNW, building on UHNW strength 2016 2018 2020 9M21 4%2 2%2 16%3 Expand Core HNW in Switzerland, offshore Europe and selected, sizeable onshore markets in APAC and EMEA Harmonize IT, optimize banking platforms, scale Luxembourg hub Accelerate Core HNW in additional markets with further enhancement of IT platform Build out China Mainland franchise leveraging our Bank for Entrepreneurs model and potential other markets 2022-2024 Aspiration Mid-single digit growth Mid- to high-single digit growth >18% by 2024 CHF ~3 bn of additional capital deployed, ~25% increase Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items 1 Average annual NNA growth rate 2 2017-2020 3 2018-2020 CREDIT SUISSE 2021 Investor Day 2025-2026 Aspiration November 4, 2021 63#64Our Wealth Management growth ambitions 1 Expand market-leading UHNW & Upper HNW franchises and accelerate growth of Core HNW 2 Invest in Relationship Managers for added scale in priority markets and build in China Mainland 3 Leverage our integrated model with investment solutions, financing, advisory and capital markets 4 Invest in technology enabled client experience 5 Simplify operating model and front-to-back processes Relationship Managers ~500 increase over 2021-2024 (~15%) CBV CHF 1.6 trn by 2024 ~ AuM CHF 1.1 trn by 2024 RoRC+ >18 % by 2024 Incremental recurring revenues CHF >1 bn by 2024 Focus on strong risk management and controls foundation Regional delivery of global integrated bank with strong collaboration † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items CREDIT SUISSE 2021 Investor Day November 4, 2021 64#65Global Investment Bank focused on advice and solutions Credit Suisse 2021 Investor Day Christian Meissner, CEO Investment Bank November 4, 2021 CREDIT SUISSE#66The global Investment Bank is core to Credit Suisse Strategic partner to our core corporate, entrepreneurial, IBCM institutional and UHNW clients Leading Equity Capital Markets and Leveraged Finance franchises with investments in Advisory solutions and coverage GTS Wealth Management centric franchise with best-in-class cross-asset, Structured Products, equity derivatives and trading execution Strong connectivity to our Bank for Entrepreneurs model Investment Bank Global Trading Solutions Wealth Management Credit Pre-eminent Securitized Products business joined with leading IG/HY trading capabilities Equities Focused, asset-light business with strong high-touch execution capabilities, ECM distribution and research & content Strategy focuses on core areas of competitive advantage, capital efficiency and connectivity to Wealth Management CREDIT SUISSE Ell Investment Banking Advisory Private Capital 2021 Investor Day November 4, 2021 66#67Reshaping our Investment Bank drives investments that will grow Advisory, Capital Markets, Credit and GTS Near-term strategic actions... ... expected to result in a -25% capital 2 reduction through 2022 with expected subsequent growth to fund investments Capital² in USD bn Exit of Prime Services¹ Exit Optimize Corporate Bank exposure and reduce GTS businesses without strong Wealth Management nexus Reposition ~(25)% 14.6 13.0 ~11 ~13.0-13.53 Invest in capital-light Investment Banking & Capital Markets business Grow 2020 3Q21 2022 Aspiration 20244 Aspiration Drive market-leading Securitized Products business and leverage 3rd party capital in Credit Grow USD 20 bn RWA reduction USD 100 bn LE reduction From 2023, invest capital for growth Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 With the exception of Index Access and APAC Delta One 2 Based on average of 13.5% RWA and 4.25% Leverage 4 2024 capital includes the impact of FRTB 3 Assumes impact of Basel 3 reforms of USD 1.0-1.5 bn on 1/1/24 CREDIT SUISSE 2021 Investor Day November 4, 2021 67#68Prime Services exit enables Cash Equities to focus on collaboration with IBCM and Wealth Management and on its strength in electronic trading Build upon key strengths... Top 6 Global Cash1 #2 Pan-Asia Trading2 #4 Americas High Touch1 Top 5 Global Low Touch1 Exit Prime Services³ to reduce the Investment Bank's capital footprint and overall risk profile Maintain APAC Delta One and Index Access business to support EQD and enable access to Asia markets for key franchise clients Reshape Cash Equities, strengthening alignment with ECM and Wealth Management in partnership with Equity Research franchise ...through targeted strategic actions... Expand market-leading AES electronic platform supported by industry-leading research and content Capitalize on alternative data monetization program Expand China franchise to grow Advisory, ECM and Cash Trading with hedge funds, SWFs and brokers ...to deliver a clear value proposition Support Wealth Management and Equity Capital Markets with a focused Cash Equities trading and execution platform, leveraging the market-leading AES and alternative data platforms 1 Third party competitive analysis for the 2017-1H21 period 2 Institutional Investor 2021 All-Asia Trading and Sales Team surveys 3 With the exception of Index Access and APAC Delta One CREDIT SUISSE 2021 Investor Day November 4, 2021 68#69GTS will build on its strong track record of driving WM collaboration with expanded products across asset classes Build upon key strengths... #1 Structured Credit¹ #1 Single Stock Exotics² #2 Structured Equity Derivatives² ...through targeted strategic actions... Expand Investor Products, Asset Backed Loans and FX for Wealth Management Expand Wealth Management collaboration in Brazil; further penetrate Asia Wealth Management and entrepreneurs client segments 1% Expand share in corporate Equity Derivatives in collaboration with IBCM coverage teams Simplify GTS operating and booking platforms Reduce long-duration structured derivatives book Reduce EM lending by exiting ~ 10 non-core GTS markets without Wealth Management nexus ...to deliver a clear value proposition Deliver differentiated institutional quality cross-asset solutions focused on Wealth Management clients addressing hedging, financing and investment needs leveraging technology and data 1 Bloomberg, Credit Repacks for the 2017-9M21 period 2 Coalition Greenwich Competitor Analytics for the 2019-1H21 period CREDIT SUISSE 2021 Investor Day November 4, 2021 69#70IBCM's plan integrates the business globally with expansion in key sectors, M&A and capital markets Build upon key #1 Sponsors #1 Switzerland strengths... Lev Fin¹ IBCM1 #4 APAC IBCM1,2 #4 Financial Sponsors¹ #5 IPOs¹ #5 #5 Technology1 Retail & Consumer¹ ...through targeted strategic actions... 1% Expand impact of the global banking franchise by integrating Switzerland and Asia Pacific IBCM Expand delivery to Wealth Management with a full mid-market platform focused on companies with a Wealth Management nexus (IB-A) Expand coverage in high growth sectors and capture emerging ESG transition opportunity Invest in coverage hires to rebuild footprint and grow IBCM market share in M&A, EMEA and corporates while protecting our leading businesses across capital markets and sponsors coverage Expand private markets offerings for institutional, Wealth Management and PE investors +OC 88 Realign coverage footprint and Corporate Bank capital towards high growth client and sector priorities ...to deliver a clear value proposition Be the trusted advisor to a diversified client base in all regions across M&A and capital markets; drive value for entrepreneurs and UHNWI and their corporate holdings 1 Dealogic figures for the 2017-9M21 period 2 Ex-Japan, ex-China Onshore CREDIT SUISSE 2021 Investor Day November 4, 2021 70#71Expanding the new Investment Banking-Advisory (IB-A) will deliver IB products to entrepreneurial and UHNW companies Aspiration Expand existing IB-A team and strong collaboration between IBCM and Wealth Management in APAC and Switzerland to build out a global dedicated team Model Offer a full suite of Investment Bank services to Wealth Management and other middle-market clients Dedicated mid cap team embedded in Financial Sponsors group covering acquirers of mid-cap assets and providing access to selling founders Align to markets with high growth and entrepreneur-rich segments Mid-Market Sponsors CREDIT SUISSE Individuals and Existing IB-A perimeter Corporates with Wealth Management Nexus "IB-A+" Building upon the existing prototype by servicing Wealth Management clients and their assets Investment Bank Corporate Client Wealth Management Private Client Dedicated mid cap team embedded in sector teams covering emerging assets with financing needs and on path to IPO / monetization Mid-Market Corporates 2021 Investor Day November 4, 2021 71#72Our market-leading Credit business will evolve to harness third party capital while driving more value to UHNWI Build upon key strengths... #1 Asset Finance¹ #2 Lev Fin Trading2 #2 Credit Derivatives Trading2 Top 2 Pass Through Top 2 Agency Top 2 RMBS5 Trading³ CMBS4 ...through targeted strategic actions... ■ $ X Expand Credit business by building credit merchant banking capabilities, leveraging third party capital Expand Wealth Management product offerings Expand our Credit Financing capabilities, leveraging the strength of our SP Finance business by building a full spectrum direct middle market lending platform that will serve corporates and UHNW Expand Credit globally with a focus on Asia, leveraging local distribution capabilities to capture growth Expand financing of companies active in ESG and create ESG investable products Expand collaboration with broader Investment Bank on private, mid-market opportunities attractive to investors and issuers ...to deliver a clear value proposition Expand market-leading Securitized Products and Global Credit Products businesses to drive growth and increase competitive advantage by leveraging third party capital 1 Thomson Reuters F20A All US Securitizations for the 2017-9M21 period 2 Coalition Greenwich Competitor Analytics for the 2018 - 1H21 period (Americas) 3 TradeWeb for the 2017 - 9M21 period 4 CMBS Alert for the 2017 - 9M21 period 5 Thomson Reuters F13b US RMBS for the 2017-9M21 period CREDIT SUISSE 2021 Investor Day November 4, 2021 72#73The Investment Bank aims to drive value to all client segments across all regions and deliver sustainable returns The reshaped Investment Bank is designed to: Reinforce its global presence with a fully integrated Investment Bank across all regions Protect and grow franchises with unique strengths through talent investments and third party capital Rebalance the composition of its client base by increasing emphasis on corporates and UHNWI as well as clients in EMEA, Latin America and Asia Achieve a -25% capital reduction vs. 2020 but with revenue ambition in line with three year average to deliver improved returns Embody a simplified organizational design to facilitate improved risk management Create more balance across clients and regions... Client Strategy UHNW and Corp. Holdings Corporates Institutional Regional Strategy APAC EMEA Differentiated¹ 883-88) Americas Differentiated¹ ...and position the Investment Bank to deliver strong and more predictable returns >12% RoRC+ Aspiration in 2024 † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items 1 Combines certain exits with selected growth investments CREDIT SUISSE 2021 Investor Day November 4, 2021 73#74Leading universal bank in Switzerland Credit Suisse 2021 Investor Day André Helfenstein, CEO Swiss Universal Bank November 4, 2021 CREDIT SUISSE#75The Swiss Universal Bank has demonstrated strong growth Swiss Universal Bank Client Business Volume in CHF bn NNA growth¹ 832 2016 6% CAGR 1,084 2% 9M21 Swiss Universal Bank Pre-tax Income adjusted excl. significant items, in CHF bn 1.7 5% CAGR 2.2 2016 3Q21 LTM CIR 66% 57% Note: Data presented is under the current divisional structure and does not reflect equivalent information for the new Swiss Bank 1 Average annual NNA growth rate CREDIT SUISSE 2021 Investor Day November 4, 2021 75#76We have leading positions and a track record of delivery Key achievements in Swiss Region #1 Institutional Banking Uniquely positioned and set up CHF 74 bn NNA over 3.5 years¹ #2 Asset Manager with strong institutional DNA W 17% market share in Swiss mutual funds market Serving 48 out of top 50 pension funds in Switzerland #1 Real Estate Asset Manager in Switzerland #1 Investment Banking since decades Top 2 Corporate Banking Core to Bank for Entrepreneurs #2 Wealth Management Successful coverage along client segments Top 2 Consumer Finance Premium offering and partnership #4 Retail Banking Leading transition to digital banking #1 over last 13 years² CHF >10 bn p.a. Client Referral Volume transferred into other CS businesses Increased HNW mandate penetration +4 pp. over 2019-9M21 Resilient consumer credit & strong auto BANK now leasing captive franchises (Porsche, Volvo, Ford, Tesla) swisscard 12% share of wallet in investment banking Serving 87 of top 100 largest companies -40% market share Reduced CIR by 9 pp. over 2019-9M21 Leading premium card provider - Swisscard JV with Amex, strong SWISS partnership NEUE AARGAUER BANK Successfully integrated retail subsidiary in 7 months during COVID-19 CSX Launched digital offering CSX with large share of young clients Source: BCG, McKinsey, Pensionskassen - Caisses de Pensions Switzerland, Dealogic, FINMA, SIX, Swiss Fund Data, Morningstar Swiss Fund data per YE 2020 1 From Pension Funds & Corporate Investors and External Asset Managers; Jan 2018-Jun 2021 2 With exception of 2015 when CS IB CH ranked #2 3 Listed companies in Switzerland CREDIT SUISSE 2021 Investor Day November 4, 2021 76#77We are building on our attractive Swiss home market... Switzerland is an attractive market ■ ■ Very resilient mature economy with solid GDP growth of average 2% p.a.1, high exports and lowest debt to GDP ratio of 40% vs Europe "Big 5"2 Wealthy client base: 4x millionaire density vs. Europe "Big 5"2 High share of leading multinationals and "hidden champion" corporates Large institutional segment, CHF 1.0 tn pension assets (160% of GDP) ■ Overall healthy market with two large banks leading at -25% market share, higher in mid- and upmarket Net revenues4 25% in CHF, 9M21 Group 18.2 bn o/w Swiss Region 4.6 bn o/w Swiss Region 31% Pre-tax income4 Group 1.9 bn 6.3 bn in CHF, 9M21 29% o/w Swiss Region ■ Average online banking penetration vs. Europe "Big 5"2, but accelerating out of COVID Group 11.3 bn Capital 4,5 38.4 bn in CHF, 9M21 With our leading offering and strong collaboration across divisions, we are uniquely positioned to become the most client centric bank in Switzerland and further grow market share across all businesses Note: Historical information presented according to the new regional structure is a preliminary estimate based on management accounts and subject to change. 2019 figures unless otherwise stated Source: The World Bank, Simon Kucher & Partners, SNB 1 Over 10 years pre-Covid 2009-2019 2 France, Germany, Italy, Spain, UK 3 Combined figures based on onshore B/S size 4 Adjusted excl. significant items, incl. GTS; excluding Corporate Center Swiss Region net revenues of 25%, PTI of 28% and Capital of 35% 5 Based on average of 13.5% RWA and 4.25% Leverage CREDIT SUISSE 2021 Investor Day November 4, 2021 77#78... and we aim to further capitalize on this opportunity with a clear positioning and strategy Our positioning Bank for Switzerland with global expertise Bank for Entrepreneurs Our business model and key initiatives "High-touch" business Tailor-made solutions for corporate, institutional and private clients with sophisticated needs Strengthen global connectivity with integrated bank - IB/AM/GTS/SRI Invest in RM/specialist hires, competitive platform and data analytics Invest in products: sustainability, mandates, lending, private markets Drive capital velocity by redirecting capital and creating fund-based offerings Continued disciplined risk management Our Aspiration Gain market share building on leading position with clients consolidating to full offering provider Bank for holistic solutions Bank for the digital generation "High-tech" / Broader business Increasingly digitally-led hybrid service model for clients with less complex needs and preference for digital channels Simplify and digitize Front-to-back operating model Drive CSX: grow private clients, expand offering, target smaller SME clients Further invest in digital client engagement and marketing Innovate with tech-centric approach to win new clients and improve profitability CREDIT SUISSE 2021 Investor Day November 4, 2021 78#79Going forward we will report on both the Swiss Region and the Swiss Bank Segment Reporting Scopes Corporate Institutional¹ Digital Consumer Premium Clients (UHNW) Private Banking External Asset Managers SUB IBCM GTS Switzerland Asset Management Switzerland Swiss Bank division No longer separately reported SUB Swiss Region The CEO of the Swiss Region will be the CEO of Credit Suisse (Schweiz) AG and of the Swiss Bank to ensure continued alignment Credit Suisse (Schweiz) AG will continue to operate with the same remit as today and our clients will continue to contract with Credit Suisse (Schweiz) AG 1 Excluding External Asset Managers (EAM) CREDIT SUISSE 2021 Investor Day November 4, 2021 79#80The new Swiss Bank division will serve corporate, institutional and digital banking clients Key metrics for Swiss Bank in CHF bn Client Business Volume 7% CAGR 675 635 601 2019 2020 9M21 CIR1 54% 56% 53% RoRC+,1 13% 10% 14% Our businesses 2024 Aspiration RoRC+,1 >12% CIR1 Low 50s CBV Low- to mid-single digit CAGR over 2022-2024 Institutional Banking for pension funds and banks Corporate Banking for multi-national Swiss corporates and SMEs Digital Banking for broader private client base and small businesses Consumer Finance with BANK-now and our participation in Swisscard Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage 1 On an adjusted excluding significant items basis CREDIT SUISSE 2021 Investor Day November 4, 2021 80#81Focus and growth levers in the Swiss Bank Institutional Banking Market position² #1 Business Growth levers Asset advisory, asset servicing, asset management out of AM, trading, cash clearing and transaction banking for pension funds and banks Full breadth offering for mid-/ upmarket clients, consolidating providers and introducing state- of-the-art platform Corporate Banking Top 2 depending on sub-segment Strategic advice, lending, FX and cash/working capital solutions to large/medium-sized corporates & entrepreneur-owned companies Mid- and upmarket IB, structured lending and Bank for Entrepreneurs value proposition with PB, capital velocity solutions Retail Banking #4 in retail banking in consumer finance Top 2 Digital and basic banking services to broader market private clients and small enterprises; consumer credit / auto leasing; credit cards Comprehensive digital offering for payments, accounts, investments and mortgages; partnerships in consumer credit and auto leasing; premium credit card offering Examples +9% p.a. growth in AuM1 9M19-9M21 +3% p.a. growth in credit volume 9M19-9M21 Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change 1 Excluding EAM 2 McKinsey and BCG Attracting new clients incl. high share of clients younger than 35 CREDIT SUISSE 2021 Investor Day November 4, 2021 81#82Multi-specialist Asset Manager Credit Suisse 2021 Investor Day Ulrich Körner, CEO Asset Management November 4, 2021 CREDIT SUISSE#83Asset Management at a glance CS Asset Management Asset manager with CHF 475 bn in AuM Focused franchise, built around strong institutional grade investment capabilities Business mix 3Q21, in % of AuM APAC (13%) Americas (14%) By geography EMEA (12%) 0 Switzerland (61%) By client segment¹ Third-Party Wholesale (13%) Wealth Management (17%) Institutional clients (70%) Other² (5%) ICBCCS JV (10%) Index Global Real Estate (8%) By capability Solutions (36%) Fixed Income (10%) Key strengths to build on Leading market position in Switzerland with access to large in-house distribution Leading positions in specialist products / capabilities: Largest US CLO manager and second largest globally³ # 4 Thematic Equities franchise in Europe4 Leading index fund provider in CH, top 5 in Europe with strong position in ESG5 Partner to one of the largest and most successful AM JV, ICBCCS, in China Credit Investments Group (14%) Balanced Solutions (11%) 1 Operating businesses only, excludes AuM from Investments & Partnerships AuM according to Morningstar, global thematic fund landscape, May 2021 6 Mutual fund assets only per YE 2019 per wind.com CREDIT SUISSE Equities (6%) 2 Includes 1% Investment & Partnerships and 4% of other operating businesses 3 Based on principal liabilities as of September 30, 2021 from CreditFlux 5 Based on ETF and index fund assets for ESG per Morningstar YE 2020, overall ranking according to Morningstar as of July 31, 2021 2021 Investor Day November 4, 2021 4 Based on 83#84Decisive actions taken since April 2021 Organization & Governance Established Asset Management as a separating operating division Strengthened senior leadership with dedicated Asset Management and risk experts; 8 new members out of 11 total in the current AM Management Committee Strengthened divisional governance and decision making processes Strengthened product approval governance Reviewed risk appetite and aligned new business initiatives Strategic & Business Reviews Reviewed Investments & Partnerships portfolio and balance sheet exposure Conducted strategic review for Asset Management Supply Chain Finance Funds (SCFF) Made significant progress in SCFF remediation, recovering ~70% of the funds value to date¹ 1 Recovery considered as total cash paid out and current cash & cash equivalents. Recovery amount stated based on the funds' Net Asset Value as of February 25th 2021 CREDIT SUISSE 2021 Investor Day November 4, 2021 84#85Significant value creation by Asset Management Value to our clients ■ Access to distinctive investment capabilities ■ Attractive offering based on strong institutional DNA ■ Broad range of tailored solutions / products and access to exclusive deals 75% of actively managed assets outperforming benchmark1 ■ Group's center of investment management Value to our Group ■ Investment credibility, reputation and track record ☐ Enhanced value capture across the entire value chain >70 bn of AuM managed for CS WM clients at 3Q21 (in CHF) Strong growth potential in high-margin industry Value to ■ our shareholders Low capital intensity and superior shareholder returns² ■ Stable profit contribution from operating businesses with low volatility 35% Avg. RoRC 2018-2020 † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items 1 Weighted average of actively managed assets across Equities, Fixed Income, Credit Investment Group, Balanced Solutions, Real Estate, Commodities, Insurance Linked Strategies, Quantitative Investment Strategies performing above benchmark per August 2021 on a 3 year annualized basis only; does not include Index Solutions 2 Measured by total return to shareholders (14.0% p.a. of 39 Asset Managers from Europe and Americas vs. 5.3% p.a. of 100 banks globally) weighted by market capitalization over 15-year period (2005-2020) based on Capital IQ data CREDIT SUISSE 2021 Investor Day November 4, 2021 85#86Key strategic priorities to deliver our vision Our vision Talent- and technology-led multi-specialist asset manager of choice in public and private markets for global Institutional clients, our Wealth Management and third-party Wholesale distributors Simplify ■ Divest non-core Investments & Partnerships portfolio Implement one global operating platform ■ Streamline management structure and governance Optimize legal entity structure Our strategic priorities Strengthen ■ Enhance coverage model for Institutional clients and our Wealth Management ■ Establish global product management ■ Build out existing investment capabilities ☐ Invest for growth Expand footprint in selected European and Asian markets ■ Develop meaningful third-party Wholesale distribution franchise ■ Build focused Private Markets offering CREDIT SUISSE Technology & Talent as key differentiators Strengthen Risk & Controls 2021 Investor Day November 4, 2021 86#87Simplify: Divesting non-core Investments & Partnerships portfolio and streamlining our future platform Exiting non-core Investments & Partnership (I&P) portfolio... Reduction in RWA usage, in CHF bn¹ ■ ~(40)% 4.9 2020 2024 Aspiration Decisive action to reduce portfolio over 2021 ...and implementing one global operating platform for Asset Management 6 core principles for future operating platform Global standards Global functions Scalable platform (33)% as of 3Q21 Achieved 33% or CHF 1.6 bn RWA reduction² by 3Q21 vs. 2020 Aiming for a reduction of ~40% vs. 2020 until 2024 Accelerating shift towards operating businesses End-to-end processes Technology- enabled Cost Efficiency ☐ ☐ Build scalable platform that delivers digital- and operational alpha and reduces operational risk Streamline processes and decision-making 1 Includes FX effects. Reduction partially offset by re-valuation of single investment leading to an increased RWA as well as off-setting FX effects of CHF 0.3 bn in 1Q 21 2 Includes 3Q21 impairment of York Capital Management investment CREDIT SUISSE 2021 Investor Day November 4, 2021 87#88Strengthen: Strategic pillars to strengthen the franchise CREDIT SUISSE Distribution Contr Products & Capabilities Strengthen [ al mode Operational & Technology set-up Governance and legal entity ■ Key highlights Globally aligned coverage model Strengthen sales support teams ☐ Distribution Dedicated in-house coverage for Wealth Management ☐ Leverage data to drive sales excellence ☐ Build on core investment strengths Products & Capabilities ☐ Operational model & Technology ■ Introduce global product management Scale blockbuster funds, attractive niche offerings Continuous product innovation Global operating platform Harmonize and standardize to create scalability ☐ Technology as key differentiator Risk & Controls Governance & legal entity set-up " Increase organizational clarity & accountability Strengthen 3 Lines of Defense model Promote a stronger risk culture Enhance global reporting & transparency Streamline management structure Enhance governance processes Improve legal entity governance 2021 Investor Day November 4, 2021 88#89Invest: Laying the foundation for future success Client segments Share of third-party Wholesale, Wealth Management in total NNA, % Build strong franchise in high-margin third party Wholesale segment Enhance collaboration with our Wealth Management +~50% 2020 2024 Aspiration Geographies Share of APAC and EMEA in total NNA, % Build meaningful distribution footprint in core EMEA markets Invest into on-shore presence in key fast-growing APAC markets ~2x Technology & talent Technology as differentiator vs. competitors... ☐ Create unique digital client experience Generate superior data-driven insights Digitalize end-to-end processes ...and foundation for creating a scalable, global operating platform to ☐ Deliver superior returns 2020 2024 Aspiration Products/Capabilities Share of (quasi-)alternative products in total NNA, % Build focused Private Markets offering Further grow diversify existing high-alpha franchises 1 Includes Global Real Estate, Credit Investment Group and Multi-Manager Offerings CREDIT SUISSE +~30% 2020 2024 Aspiration 2021 Investor Day Create value for clients ☐ Attract and retain top talent November 4, 2021 89#90Our financial aspirations Net New Assets, in CHF bn, in % of AuM Management fee margin¹, in bps 15.5 3.5 2020 Cost-Income-Ratio², in % 85 85 2020 >20 >4 2024 Aspiration ~75 2024 Aspiration 2024 Aspiration 26 26 Stable Ambitious organic strategic plan to deliver value for shareholders 2020 Adjusted RoRC+, in % 19 2020 2024 Aspiration >45 2024 Aspiration † RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage and adjusted excluding significant items 1 Management fee margin of operating business 2 Based on adjusted results excluding significant items CREDIT SUISSE 2021 Investor Day Strong net new asset growth ambition Improved profitability Optimized capital usage and strong capital returns for shareholders November 4, 2021 90 90#91Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 91#92Asia Pacific Growth Aspirations Credit Suisse 2021 Investor Day Helman Sitohang, CEO APAC November 4, 2021 CREDIT SUISSE#93Our integrated Bank for Entrepreneurs in APAC has delivered significantly higher client volume and profitability APAC Division Client Business Volume in USD bn NNA growth¹ 237 2016 10% CAGR 6% 380 9M21 APAC Division Pre-tax Income adjusted excl. significant items, in USD bn 0.6 14% CAGR 1.1 2016 3Q21 LTM CIR 76% 66% Note: Data presented is under the current divisional structure and does not reflect equivalent information for the new APAC region 1 Average annual NNA growth rate CREDIT SUISSE 2021 Investor Day November 4, 2021 93#94Focus on capturing further upside with regional clients Attractive structural factors 2020 6-7% CAGR 2025 APAC AUM pool1 11.5 in CHF trn 8.4 Our strategic priorities 2020-2025 AuM pool growth 1.5x 1 טוט 1.4x 1.3x 1.3x 2 1.3x Expand client focus with our strengths in UHNW & Entrepreneurs, and accelerate HNW growth Increase scale in largest APAC wealth markets and build out China Mainland franchise 1.1x 3 Grow wealth & financing solutions and invest in digitalization Number of UHNW and HNWI expected to double over next 5 years with faster growth in onshore markets² Deeper financial markets, with >1/3rd of global market capitalization in APAC³ 1st & 2nd generation Entrepreneurs driving wealth growth Increasing access for foreign players to China Mainland Drive regional excellence and leadership with integrated global bank 1 Source: McKinsey Wealth Pools, 2021 2 Credit Suisse Wealth Report 2021 - includes PB AuM held by individuals with >USD 1mn financial assets 3 World Federation of Exchanges, September 2021 CREDIT SUISSE 2021 Investor Day November 4, 2021 94#95Our leading franchise provides a solid foundation for growth Differentiated strategic focus on wealth management APAC regional revenue as % of Group revenue Credit Suisse vs peers, average 2018-2020 18% Leading market positions in APAC with integrated global bank Wealth Management Assets¹ Credit Suisse vs. peers, 2020 Advisory & Underwriting fees² (SoW %) Credit Suisse vs. peers, average 2018-2020 #2 #3 Note: Historical information presented according to the new regional structure is a preliminary estimate based on management accounts and subject to change Source: Annual reports and company disclosures 1 CS reflects client assets (AuM + AuC); others as per Asian Private Banker, 2020 2 Dealogic share of wallet rank for APAC ex-Japan and China onshore, average 2018-2020 CREDIT SUISSE 2021 Investor Day November 4, 2021 95#96①Strengthen client value propositions to capture upside Our tailored approach and offering enabled by our global integrated bank... ...is delivering strong revenue growth with wealth management related clients Revenues form UHNW, HNW, Entrepreneur & Corporate clients¹ UHNW Bespoke advisory & financing solutions Entrepreneurs Corporates Advisory & global solutions HNW House View and investment solutions Institutional Investors Content&cross- asset solutions Broaden UHNW franchise and accelerate growth with HNW Key priorities Focus on new economy sectors for corporate coverage 1 Represents APAC Private Banking and APAC IBCM CREDIT SUISSE 2021 Investor Day 2016 9% CAGR 3Q21 LTM Differentiate content & access for institutional investors November 4, 2021 96#972 Invest in largest APAC wealth markets Credit Suisse is amongst the most diversified wealth focused global banks in Asia Pacific EUROMONEY PRIVATE BANKING 2021 APAC PB APAC APAC IBCM GTS/Equities Greater China / Hong Kong SE Asia / Singapore Australia Japan Korea India Best Private Bank for High Net Worth Clients in Asia Pacific Top 3 IBCM Sow in dealogic last 5 years (2016-2020) 1 APAC ex-Japan and ex-China onshore CREDIT SUISSE Established Developing 2021 Investor Day ASSET ASIAN A AWA THE Asset: TRIPLE A Key priorities ■Build on our strengths and consolidate market share in large regional hubs ■ Increase scale in faster growing onshore markets with significant wealth potential ■Invest in China Mainland for full suite of capabilities for long-term upside; leverage sizeable ICBCCS AM JV Best M&A adviser Best TMT adviser Best new economy adviser AsiaRisk Awards Structured products house of the year 2021 Winner Credit Suisse November 4, 2021 97#983 Scale our franchise with comprehensive solutions and expanded client coverage Net loans Managed Solutions1 volume Grow recurring revenue activities 2018 > 80% 2020 +30% Leverage digital focus of APAC PB clients are on Digital Private Bank 9M21 RMs + IBCM Coverage 2018 Invest in coverage hires 2020 +15% 9M21 +70 PB RMS in 9M21 to deliver future upside Drive collaboration alpha ~2x clients on CS Chat 9M21 vs. 9M20 (2019 launch) USD >30 bn client assets from integrated approach² 2018-9M21 ~40% of APAC IBCM MDS with asset referrals 2018-9M21 Direct to client approach and business simplification Entrepreneur-led activity via holistic advisory & solutions Note: Historical information presented according to the new regional structure is a preliminary estimate based on management accounts and subject to change 1 Mandates and Funds 2 Client assets referred by APAC IBCM bankers to APAC WM CREDIT SUISSE 2021 Investor Day November 4, 2021 98#994 Drive regional excellence and leadership with integrated global bank Concerted and aligned focus to capture APAC wealth opportunity, leveraging global Wealth Management Leveraging our integrated Bank for Entrepreneurs model via IBCM, GTS, Asset Management and SRI 2024 Aspiration Grow share of revenue contribution to Group from Asia Pacific On-the-ground proximity to clients and market insights with strong risk management Increase share of capital allocated to Asia Pacific Best-in-class collaboration culture and a differentiated platform for talent CREDIT SUISSE 2021 Investor Day High-single digit growth in Client Business Volume November 4, 2021 99#100Agenda 1 Our Vision 2 Strategic Perspectives 3 Financial Perspectives 4 Divisional Perspectives 5 Asia Pacific Growth Aspirations 6 A Transformed Bank CREDIT SUISSE 2021 Investor Day November 4, 2021 100#101We will execute on our strategic vision Strengthen Simplify Invest for Growth Global Investment Bank Global leader in Leading universal bank Wealth Management focused on advice and solutions in Switzerland Multi-specialist Asset Manager CREDIT SUISSE Strong risk management foundation and technology capabilities Balanced approach between mature and emerging markets with a pivot to APAC Leading the Bank and our clients into a sustainable future Empowered regional organization driving cross-divisional collaboration 2021 Investor Day November 4, 2021 101#102Our 2024 financial aspirations Adj. RoRC+ excl. sign. items Average 2018-2020 Wealth Management Investment Bank 9% 16% Swiss Bank 12% Asset Management Release USD >3 bn of Investment Bank capital¹ over 2021-2022 ~(25)%; targeted investments from 2023 Invest CHF -3 bn of capital¹ into Wealth Management over 2021-2024 +25% 35% Increase capital¹ Strategic Plan 2024 Aspirations Adj. RoRC+ excl. sign. items Wealth Management >18% Investment Bank >12% Swiss Bank >12% Asset Management >45% Corp Center and SRU adj. pre-tax loss CHF 1.4 bn CIR ~80% adj. excl. sign, items CET1 ratio 12-13% Leverage ratio 4.0-4.5% Reported Group ROTE+ ~7% allocated to WM, SB, AM vs. the IB to ~2.0x in 2022 and beyond Invest incremental CHF 1.0-1.5 bn p.a. into growth investments by 2024, progressively increasing from 2022, funded by structural cost savings Corp Center adj. pre-tax loss CHF -0.5 bn CIR adj. excl. sign. items ~70% CET1 ratio >14% pre-B3R Leverage ratio ~4.5% Reported Group ROTE+ >10% Note: Historical information presented according to the new divisional structure is a preliminary estimate based on management accounts and subject to change. Results excluding certain items included in our reported results are non-GAAP financial measures. For further details and reconciliation information, see the Appendix + RORC is a non-GAAP financial measure, see Appendix. Based on average of 13.5% RWA and 4.25% Leverage Return on tangible equity, a non-GAAP financial measure, is calculated as annualized net income attributable to shareholders divided by average tangible shareholders' equity 1 Based on average of 13.5% RWA and 4.25% Leverage CREDIT SUISSE 2021 Investor Day November 4, 2021 102#103Appendix CREDIT SUISSE 2021 Investor Day November 4, 2021 103#104Results excluding items included in our reported results are non-GAAP financial measures. During the implementation of our strategy, we will measure the progress achieved by our underlying business performance. Management believes that such results provide a useful presentation of our operating results for purposes of assessing our Group and divisional performance consistently over time, on a basis that excludes items that management does not consider representative of our underlying performance. Provided below is a reconciliation to the most directly comparable US GAAP measures. Reconciliation of adjustment items (1/3) Wealth Management¹ Investment Bank (USD) in CHF bn Net revenues reported Real estate (gains)/losses (Gains)/losses on business sales Major litigation recovery Valuation adjustment related to major litigation Gain related to InvestLab transfer Gain on equity investment in Allfunds Group Gain on equity investment in SIX Group AG Swiss Bank¹ Asset Management 7.0 9M21 2020 2019 9.3 (0.1) 9.0 2018 8.6 2.3 (0.0) (0.0) (0.0) 9M21 2020 3.0 0.0 (0.0) 0.0 2019 2018 9M21 2020 2019 3.4 3.0 8.5 10.2 8.6 (0.2) (0.0) (0.0) (0.0) 2018 9M21 8.7 1.1 2020 2019 2018 1.1 1.6 1.5 (0.0) (0.0) (0.0) (0.2) (0.0) (0.1) (0.2) (0.4) (0.1) (0.2) (0.0) (0.1) (0.2) (0.1) (0.3) (0.1) Gain on equity investment in Pfandbriefbank Impairment on York Capital Management 0.1 0.4 Archegos 0.5 Net revenues adj. excl. sign. items and Archegos 6.6 8.9 8.8 8.5 Provision for credit losses 0.0 0.3 0.1 0.1 2 O 2.1 2.7 2.8 2.9 9.0 10.2 8.6 8.7 1.2 1.3 1.6 1.5 0.0 0.3 0.1 0.1 4.5 0.6 0.1 0.1 0.0 0.0 Archegos (4.6) Total operating expenses reported 4.4 6.1 6.2 6.2 1.1 1.6 1.5 1.6 5.6 7.6 7.2 7.5 0.8 1.1 1.2 1.2 Restructuring expenses (0.0) (0.0) (0.1) (0.0) (0.0) (0.1) (0.1) (0.1) (0.4) (0.0) (0.0) (0.0) Major litigation provisions 0.0 0.0 0.0 (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) Expenses related to real estate disposals (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.1) (0.0) (0.0) (0.0) Expenses related to business sales (0.0) Expenses related to equity investment in Allfunds Group (0.0) (0.0) Archegos (0.0) Total operating expenses adj. excl. sign. items and Archegos Pre-tax income/(loss) reported 4.4 6.1 6.2 6.0 1.1 1.5 1.5 1.5 5.6 7.5 7.1 7.1 0.8 1.1 1.2 2.6 2.7 3.1 2.4 1.2 1.1 1.8 1.2 (1.6) 2.0 1.3 1.1 0.2 (0.0) 0.5 Total adjustments, significant items and Archegos (0.4) (0.2) (0.5) 0.1 (0.2) (0.2) (0.6) 0.1 5.2 0.1 0.1 0.4 0.1 0.2 0.0 0.1 Pre-tax income/(loss) adj. excl. sign. items and Archegos 2.2 2.5 2.6 2.5 1.0 0.9 1.2 1.3 3.6 2.1 1.4 1.5 0.3 0.2 0.5 ོ་3་ 1.1 0.4 0.4 1 Divisional structure from January 1, 2022 CREDIT SUISSE 2021 Investor Day November 4, 2021 104#105Results excluding items included in our reported results are non-GAAP financial measures. During the implementation of our strategy, we will measure the progress achieved by our underlying business performance. Management believes that such results provide a useful presentation of our operating results for purposes of assessing our Group and divisional performance consistently over time, on a basis that excludes items that management does not consider representative of our underlying performance. Provided below is a reconciliation to the most directly comparable US GAAP measures. Reconciliation of adjustment items (2/3) 9M21 in CHF bn Net revenues reported 2.6 8.1 SUB in CHF bn Net revenues reported CH EMEA Americas Asia Pacific SUB IWM APAC IB (USD) 3Q21 LTM 2016 5.0 3.7 6.0 3.5 4.3 2.7 5.7 5.7 Real estate (gains)/losses (0.0) (0.0) Real estate gains (0.0) (0.4) (Gains)/losses on business sales 0.0 0.0 0.0 (Gains)/losses on business sales 0.0 Major litigation recovery (0.0) (0.0) Major litigation recovery (0.0) Gain on equity investment in Allfunds Group (0.4) (0.2) (0.2) (0.2) (0.2) o/w Gain on equity investment in Allfunds Group (0.2) Impairment on York Capital Management 0.1 o/w Gain on equity investment in SIX Group AG (0.1) Archegos 0.5 0.5 Net revenues adj. excl. sign. items and Archegos Net revenues adj. excl. significant items Provision for credit losses 5.3 5.4 0.1 0.1 4.6 3.7 6.6 3.3 4.1 2.5 2.5 8.6 Total operating expenses reported 3.1 3.6 Provision for credit losses 0.0 (0.0) 4.1 0.1 0.0 (0.0) 0.0 4.5 Restructuring expenses (0.0) (0.1) Archegos (4.3) (4.6) Major litigation provisions (0.0) (0.0) Total operating expenses reported 2.7 3.1 3.5 2.2 2.3 1.8 1.6 5.5 Expenses related to real estate disposals (0.0) Restructuring expenses (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.1) Expenses related to business sales Major litigation provisions 0.0 0.0 Expenses related to equity investment in Allfunds (0.0) Group Expenses related to real estate disposals (0.0) (0.0) (0.0) (0.0) (0.0) Total operating expenses adjusted excl. sign. items 3.1 3.5 Expenses related to business sales Expenses related to equity investment in Allfunds Group Pre-tax income/(loss) reported 2.5 2.0 (0.0) (0.0) (0.0) (0.0) (0.0) Total adjustments and significant items (0.3) (0.3) Archegos (0.0) (0.0) Pre-tax income/(loss) adj. excl. sign. items 2.2 1.7 Total operating expenses adj. excl. sign. 2.7 3.1 3.5 2.2 2.3 1.8 1.6 5.4 items and Archegos Pre-tax income/(loss) reported 2.3 0.6 (1.7) 1.2 2.0 0.9 1.0 (1.8) Total adjustments, significant items and (0.4) 0.0 4.9 (0.2) (0.2) (0.2) (0.2) 5.2 Archegos Pre-tax income/(loss) adj. excl. sign. items and Archegos 1.9 0.6 3.3 1.0 1.8 0.7 0.8 3.4 1 Current divisional structure CREDIT SUISSE 2021 Investor Day November 4, 2021 105#106Results excluding items included in our reported results are non-GAAP financial measures. During the implementation of our strategy, we will measure the progress achieved by our underlying business performance. Management believes that such results provide a useful presentation of our operating results for purposes of assessing our Group and divisional performance consistently over time, on a basis that excludes items that management does not consider representative of our underlying performance. Provided below is a reconciliation to the most directly comparable US GAAP measures. Reconciliation of adjustment items (3/3) Group CC SRU in CHF bn Net revenues reported 2020 2019 2018 9M21 2020 2019 2018 2018 APAC in USD bn 3021 LTM 22.4 22.5 20.9 (0.1) (0.3) (0.4) 0.1 (0.7) Net revenues reported 3.7 Real estate gains (0.0) (0.3) (0.0) 0.0 (0.0) (0.0) Real estate gains (Gains)/losses on business sales 0.0 (0.1) 0.0 0.0 0.0 (Gains)/losses on business sales Valuation adjustment related to major litigation 0.1 Major litigation recovery Gain related to InvestLab transfer (0.3) (0.3) Gain on equity investment in Allfunds Group (0.1) Gain on equity investment in SIX Group AG (0.2) (0.5) Gain on equity investment in Pfandbriefbank (0.1) Impairment on York Capital Management Net revenues adj. excl. sign. items Provision for credit losses 0.4 o/w Gain on equity investment in Allfunds Group o/w Gain on equity investment in SIX Group AG Net revenues adj. excl. significant items Provision for credit losses (0.2) 3.5 0.1 22.1 21.4 20.8 0.0 (0.3) (0.4) 0.1 (0.7) Total operating expenses reported 2.3 1.1 0.3 0.2 (0.0) 0.0 0.0 0.0 0.0 Restructuring expenses (0.0) Total operating expenses reported 17.8 17.4 17.3 1.3 1.8 1.4 0.4 0.7 Major litigation provisions Restructuring expenses (0.2) (0.6) 0.0 (0.0) 0.0 (0.0) Expenses related to real estate disposals Major litigation provisions (1.0) (0.4) (0.2) (0.7) (0.9) (0.4) (0.0) (0.1) Expenses related to business sales Expenses related to real estate disposals (0.1) (0.1) 0.0 Expenses related to business sales (0.1) (0.0) Expenses related to equity investment in Allfunds Group (0.0) Expenses related to equity investment in Allfunds Group Total operating expenses adj. excl. sign. items 16.6 16.9 16.4 0.6 0.9 1.0 0.4 0.5 Total operating expenses adjusted excl. sign. items 2.3 Pre-tax income/(loss) reported 3.5 4.7 3.4 (1.3) (2.2) (1.9) (0.3) (1.4) Pre-tax income/(loss) reported 1.4 Total adjustments, significant items and Archegos 0.9 (0.6) 0.8 0.8 0.9 0.4 0.0 0.1 Total adjustments and significant items (0.2) Pre-tax income/(loss) adj. excl. sign. items 4.4 4.1 4.2 (0.6) (1.2) (1.4) (0.3) (1.2) Pre-tax income/(loss) adj. excl. sign. items 1.1 1 Current divisional structure CREDIT SUISSE 2021 Investor Day November 4, 2021 106#107Notes General notes ■Throughout this presentation rounding differences may occur ■ Unless otherwise noted, all CET1 capital, CET1 ratio, Tier 1 leverage ratio, risk-weighted assets and leverage exposure figures shown in these presentations are as of the end of the respective period and, for periods prior to 2019, on a "look-through" basis ■Gross and net margins are shown in basis points Gross margin = net revenues annualized / average AuM; net margin = pre-tax income annualized/ average AuM. Net margin excluding certain significant items, as disclosed herein, is calculated excluding those items applying the same methodology ■Mandates reflect advisory and discretionary mandate volumes ■ Mandate penetration reflects advisory and discretionary mandate volumes as a percentage of AuM, excluding those from the external asset manager business ■Client Business Volume includes assets under management, custody assets and net loans ■Custody assets includes assets under custody and commercial assets ■UHNW client segmentation is based on personal financial assets of USD >50 mn ■HNW client segmentation is based on personal financial assets of USD 1-50 mn Specific notes † Regulatory capital is calculated as the average of 13.5% of RWA and 4.25% of leverage exposure and return on regulatory capital, a non-GAAP financial measure, is calculated using income/(loss) after tax and assumes a tax rate of 25%. For the Investment Bank, return on regulatory capital is based on US dollar denominated numbers. Return on regulatory capital excluding certain items included in our reported results is calculated using results excluding such items, applying the same methodology. Return on tangible equity, a non-GAAP financial measure, is calculated as annualized net income attributable to shareholders divided by average tangible shareholders' equity. Tangible shareholders' equity, a non-GAAP financial measure, is calculated by deducting goodwill and other intangible assets from total shareholders' equity as presented in our balance sheet. For end-2018, tangible shareholders' equity excluded goodwill of CHF 4,766 mn and other intangible assets of CHF 219 mn from total shareholders' equity of CHF 43,922 mn as presented in our balance sheet. For end-2019, tangible shareholders' equity excluded goodwill of CHF 4,663 mn and other intangible assets of CHF 291 mn from total shareholders' equity of CHF 43,644 mn as presented in our balance sheet. For end-2020, tangible shareholders' equity excluded goodwill of CHF 4,426 mn and other intangible assets of CHF 237 mn from total shareholders' equity of CHF 42,677 mn as presented in our balance sheet. Abbreviations D&I CLO A = Advisory; Adj. = Adjusted; AM Asset Management; APAC = Asia Pacific; ARU = Asset Resolution Unit; AuM BCBS Basel Committee on Banking Supervision; BIS Bank for International Settlements; bps basis points; c. = circa; CC=Corporate Center; CECL Current Expected Credit Losses; CET1 Common Equity Tier 1; CIR Cost/Income Ratio; CMBS Residential Mortgage-Backed Security; Corp. = Corporate; COVID-19 Coronavirus disease 2019; Diversity and Inclusion; EAM External Asset Managers; ECM Equity Capital Markets; econ. EQD Equity Derivatives; ESG Environmental, Social and Governance; ETF = Exchange-traded funds; FINMA Swiss Financial Market Supervisory Authority; FRTB = Fundamental Review of the Trading Book; FX = Foreign Exchange; GAAP Generally Accepted Accounting Principles; GDP Gross Domestic Product; Gen. Generation; GM Global Markets; GTS Global Trading Solutions; HQLA High Quality Liquid Assets; HR Human Resources; HY = High Yield; I&P Investments and Partnerships; IG Investment Grade; incl. = including IPO Initial Public Offering; IWM International Wealth Management; JV Joint venture; LatAM Latin America; LE=Leverage exposure; LevFin = Leveraged Finance; LTM Last twelve months; M&A Mergers & Acquisitions; MCN Mandatory Convertible Note; = META Middle East, Turkey & Africa; NAB Neue Aargauer Bank; NGO Non-governmental organization; NNA Net New Assets; PBI = Private Banking International; PC Private Clients; PCL Provision for credit losses; PE Private Equity; pp. percentage points; prov. provisions; QoQ = Quarter on Quarter; rev. revenues; RM Relationship Manager; RMBS Residential Mortgage-Backed Security; RoRC=Return on Regulatory Capital; SCFF Supply Chain Finance Funds; sign. significant; SME Small and Medium-Sized Enterprises; SRI Sustainability, Research & Investment Solutions; SUB Swiss Universal Bank; U/HNW = (Ultra) High Net Worth; vs. = versus; WM&C Wealth Management and Connected; YoY Year on year; Yr = Year Assets under Management; Avg. = Average; B3R = Basel III Reform; C&IC Corporate & Institutional Clients; CAGR = Compound Annual Growth Rate; Collateralized Loan Obligation; CM Capital Markets; CSX = Credit Suisse X; CTOO = Chief Technology and Operations Officer; Ctr. = Center; Economic; EM Emerging Markets; EMEA = Europe, Middle East & Africa; ex- = excluding; ExB Executive Board; excl. = excluding; NAV Net asset value; MD Managing Director; = p.a. per annum; PB Private Banking; PTI Pre-tax income; SRU RWA = Risk-weighted assets; Strategic Resolution Unit; CREDIT SUISSE 2021 Investor Day November 4, 2021 107#108CREDIT SUISSE