Fourth Quarter and Full Year 2016 Results Presentation

We are well positioned to capture growth and benefit from improved market conditions 1 Executing with discipline - Significant increase in operating leverage: adjusted net cost savings of CHF 1.9 bn¹ achieved in 2016, exceeding our target of > CHF 1.4 bn1 2 Growing profitably - - Wealth Management achieved CHF 28.5 bn of NNA in 2016, a 58%² increase year-on-year; Assets under Management increased by 8% to CHF 734 bn² in 2016 at higher gross and net margins Global advisory and underwriting³ delivered increased revenues and outperformance against the market4 Benefits from Global Markets restructuring starting to emerge: 4Q16 annualized 5 adjusted cost base below USD 5.2 bn and increasing momentum across Credit and Equities 3 Resolving key legacy issues - Settlement with DOJ related to RMBS matter Continued progress in reducing legacy portfolio in the SRU 4 Strengthening our capital position "Look-through" CET1 ratio at 11.6% (12.5%7 pre-DOJ RMBS settlement) Note: Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in the Appendix 1 Measured at constant FX rates (see Appendix) 2 Relating to Wealth Management in SUB, IWM and APAC 3 Gross global revenues from advisory, debt and equity underwriting generated across all divisions before cross- divisional revenue sharing agreements 4 Dealogic as of December 31, 2016 5 Annualized numbers do not take account of variations in operating results, seasonality and other factors and may not be indicative of actual, full-year results 6 Estimated 4Q16 annualized exit rate shown at Investor Day 2016 7 The look-through CET1 ratio, without taking into account the impact of the final DOJ settlement relating to our legacy RMBS business, excludes a provision in 4Q16 of approximately USD 2 bn and an increase in operational risk RWA of approximately CHF 0.7 bn CREDIT SUISSE February 14, 2017 6

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