Transformation to CS First Boston

Swiss Bank Resilient 4Q22 negatively impacted by normalizing provisions and compensation expenses Profitability PCL/ Costs Revenues Balance Sheet AuM RMs 17 Adjusted RoRC+ Adjusted net revenues down 10% vs. 4Q21 ■ Net interest income down 11%; higher deposit income offset by decreased income from loans and lower SNB threshold benefits from the SNB increase of interest rates; 4Q22 net interest income stable sequentially Recurring commissions and fees decline 10% reflecting lower average AuM ■ Transaction-based revenues down 18% driven by equity investments²; excluding those, transaction-based revenues down 8% due to lower client activity Adjusted operating expenses up 6% vs. 4Q21 driven by increased compensation expenses mainly reflecting higher deferral of compensation in 4Q21; 2022 full-year compensation expenses stable compared to 2021 in CHF mn 4Q22 3Q22 4Q21 A 4Q21 2022 2021 A 2021 Net interest income 523 525 587 Recurring commissions and fees 300 323 332 (10)% Transaction-based 113 121 138 (18)% (11)% 2,219 1,293 508 561 Adjusted net revenues¹ 931 956 1,039 (10)% 3,956 2,345 (5)% 1,302 (1)% (9)% 4,138 (4)% Adjusted provision for credit 28 21 (4) 90 4 losses Adjusted total operating expenses 644 552 605 6% 2,437 2,379 2% Adjusted pre-tax income 259 383 438 (41)% 1,429 1,755 (19)% Reported pre-tax income 289 383 607 (52)% 1,545 1,918 (19)% 8% 12% 13% 11% 13% Reported RoRC+ 9% 12% 18% 12% 14% Adjusted cost/income ratio 69% 58% 58% 62% 57% Adjusted net margin in bps 20 28 30 (10) 26 30 (4) Assets under management in CHF bn 526 527 598 (12)% 526 598 (12)% Net new assets in CHF bn (8.3) (1.5) 1.0 (5.4) 5.9 Net loans in CHF bn 158 161 161 (2)% 158 161 (2)% Risk-weighted assets in CHF bn 69 71 69 Leverage exposure in CHF bn 220 240 248 (11)% 69 220 Number of relationship managers 1,670 1,660 1,630 2% 1,670 ■ Lower assets under management mainly driven by declining markets ■ NNA of CHF (8.3) bn driven by outflows in private clients Note: Results excluding certain items in our reported results are non-GAAP financial measures. See the appendix of this presentation for detailed information and defined terms as well as important presentation and other information relating to non-GAAP financial measures, including reconciliations. 1 Includes other revenues of CHF (5) mn in 4Q22, CHF (13) mn in 3Q22, CHF (18) mn in 4Q21, CHF (64) mn in 2022 and CHF (70) mn in 2021 2 Gain/(loss) on equity investments of CHF (8) mn in 4Q22 and CHF 6 mn in 4Q21 CREDIT SUISSE 69 248 (11)% Assets under management down 12% YoY 1,630 2% Adjusted pre-tax income down 41% vs. 4Q21 reflecting lower net revenues, higher operating expenses and normalizing provision for credit losses at 7 bps of our net loans

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