Fourth Quarter and Full Year 2016 Results Presentation

Swiss Universal Bank Private Banking and Corporate & Institutional Banking Private Banking Adjusted key financials in CHF mn C&IB Adjusted key financials in CHF mn 4Q16 3Q16 4Q15 2016 2015 4Q16 3Q16 4Q15 2016 2015 Net interest income 454 446 465 1,801 1,770 Net interest income 291 278 288 1,083 987 Recurring commissions & fees 253 243 257 971 1,102 Recurring commissions & fees 125 118 116 475 467 Transaction-based 131 125 159 564 720 Transaction-based 139 124 128 548 593 Other revenues 2 (1) Other revenues (14) (13) (13) (51) (35) Net revenues 838 814 881 3,338 3,591 Net revenues 541 507 519 2,055 2,012 Provision for credit losses 10 13 14 39 49 Provision for credit losses 24 17 29 40 89 Total operating expenses 657 587 726 2,420 2,714 Total operating expenses 310 273 295 1,156 1,127 Pre-tax income 171 214 141 879 828 Pre-tax income 207 217 195 859 796 Pre-tax income ex Swisscard 171 214 141 879 803 Cost/income ratio 57% 54% 57% 56% 56% Cost/income ratio 78% 72% 82% 72% 76% 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 28 35 23 36 32 Net new assets 2.5 (1.2) 4.2 4.3 10.6 Net new assets (3.5) 0.2 (2.9) (1.7) 3.2 Assets under management 289 285 276 289 276 Assets under management 243 245 241 243 241 Number of RM 480 480 490 480 490 Mandates penetration 30% 29% 26% 30% 26% Number of RM 1,490 1,500 1,570 1,490 1,570 Note: Financial and other information is for Swiss Universal Bank division. Scope of Credit Suisse (Schweiz) AG differs from Swiss Universal Bank division. Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in this presentation 1 Adjusted to exclude Swisscard net revenues and operating expenses in 2015 in SUB PB CREDIT SUISSE February 14, 2017 37

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