Fourth Quarter and Full Year 2016 Results Presentation

Investment Banking & Capital Markets Execution Profitable growth Legacy Increased PTI reflects improved share of wallet and strong performance in debt underwriting Capital Adjusted key financials in USD mn Key messages Detailed Financials 4Q16 3Q16 4Q15 2016 2015 4Q16 Net revenues 569 479 418 2,001 1,857 Provision for credit losses (1) (9) 20 Total operating expenses 428 433 496 1,684 1,764 Pre-tax income 142 55 (78) 297 93 Cost/income ratio 75% 91% 119% 84% 95% Return on regulatory capital+ 22% 9% n/m 12% 5% Key metrics in USD bn 4Q16 3Q16 4Q15 2016 2015 Risk-weighted assets 18 19 16 18 16 Leverage exposure 45 46 41 45 41 Global Advisory and Underwriting revenues¹ in USD mn 4Q16 3Q16 4Q15 2016 2015 Global advisory and underwriting revenues1 1,042 945 790 3,771 3,460 Strong PTI driven by 4Q16 net revenues of USD 569 mn up 36% YoY, outperforming the Street Operating expenses down 14% YoY on lower variable compensation and general and administrative expenses Return on regulatory capital of 22%, with Americas return on regulatory capital of 28% RWA of USD 18 bn up 8% YoY due to an increase in IBCM's share of the Corporate Bank, partially offset by reduced commitments related to debt underwriting activity Global advisory and underwriting revenues¹ up 32% YoY, outperforming the industry-wide fee pool which is up 1% 2016 2016 net revenues were up 8% YoY on strong advisory and debt underwriting revenues, outperforming the Street² Operating expenses down 5%, reflecting cost discipline and self- funded growth investment Results reflect continued execution of our strategy, evidenced by improved share of wallet² across all key products for full year 2016 Increased covered share of wallet2 across all client segments Note: All financial numbers presented and discussed are adjusted, unless otherwise stated. Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in the Appendix. All share of wallet and rank data is based on IBCM addressable market; includes Americas and EMEA only; excludes self-advised deals and non-core DCM products (investment grade loans, asset-backed and mortgage-backed securities, and government debt) 1 Gross global revenues from advisory, debt and equity underwriting generated across all divisions before cross-divisional revenue sharing agreements 2 Source: Dealogic + See Appendix CREDIT SUISSE February 14, 2017 31

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