Fourth Quarter and Full Year 2016 Results Presentation

Asia Pacific Private Banking and Investment Banking Private Banking Adjusted key financials in CHF mn Investment Banking Adjusted key financials in USD mn 4Q16 3Q16 4Q15 2016 2015 4Q16 3Q16 4Q15 2016 2015 Net interest income 166 159 131 602 445 Fixed income sales & trading 71 152 140 647 636 Recurring commissions & fees 92 67 60 302 260 Equity sales & trading 337 349 374 1,335 1,947 Transaction- and perf.-based 114 120 84 486 456 Underwriting & advisory 114 118 80 407 303 Other revenues (4) (16) 17 Other revenues (35) (32) (42) (130) (113) Net revenues 372 346 271 1,374 1,178 Net revenues 487 587 552 2,259 2,773 Provision for credit losses 6 38 (5) 32 18 Provision for credit losses 2 (5) 8 (7) 17 Total operating expenses 266 239 221 966 809 Total operating expenses 459 483 454 1,851 1,924 Pre-tax income 97 69 55 376 351 Pre-tax income 26 109 90 415 832 Cost/income ratio 72% 69% 82% 70% 69% Cost/income ratio 94% 82% 82% 82% 69% Key metrics in CHF bn 4Q16 3Q16 4Q15 2016 2015 Adj. net margin in bps 23 17 15 24 23 Net new assets 0.7 4.6 3.0 14.6 17.8 Assets under management 168 169 150 168 150 Number of RM 640 650 580 640 580 Note: Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in this presentation CREDIT SUISSE February 14, 2017 39

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