Fourth Quarter and Full Year 2016 Results Presentation

International Wealth Management Private Banking and Asset Management Private Banking Adjusted key financials in CHF mn Asset Management Adjusted key financials in CHF mn 4Q16 3Q16 4Q15 2016 2015 4Q16 3Q16 4Q15 2016 2015 Net interest income 353 326 275 1,308 1,006 Management fees 228 218 225 891 873 Recurring commissions & fees 277 267 283 1,093 1,161 Performance & placement rev. 108 41 56 208 164 Transaction- and perf.-based 235 197 240 922 1,049 Investment & partnership inc. 45 33 84 228 291 Other revenues (1) (1) (1) (6) (3) Net revenues 381 292 365 1,327 1,328 Net revenues 864 789 797 3,317 3,213 Total operating expenses 273 241 326 1,040 1,142 Provision for credit losses 6 (7) 20 5 Pre-tax income 108 51 39 287 186 Total operating expenses 666 599 614 2,475 2,378 Cost/income ratio 72% 83% 89% 78% 86% Pre-tax income 192 190 190 822 830 Cost/income ratio 77% 76% 77% 75% 74% Key metrics in CHF bn Key metrics in CHF bn 4Q16 3Q16 4Q15 2016 2015 4Q16 3Q16 4Q15 2016 2015 Adj. net margin in bps 24 25 26 27 28 Net new assets (4.4) 5.0 3.6 5.6 26.5 Net new assets 0.4 4.4. (4.2) 15.6 (3.0) Assets under management 322 324 321 322 321 Assets under management 323 311 290 323 290 Net loans 45 43 40 45 40 Number of RM 1,140 1,160 1,180 1,140 1,180 Note: Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in this presentation CREDIT SUISSE February 14, 2017 38

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