Credit Suisse Capital Metrics and Core Results 9M16

Swiss Universal Bank Pre-tax income up YoY despite reduced client activity Adjusted key financials in CHF mn Key messages 3Q16 2Q16 3Q15 A 2Q16 A 3Q15 Private Banking 814 840 857 (3)% (5)% Corp. & Inst. Banking 507 497 507 +2% Net revenues 1,321 1,337 1,364 (1)% (3)% Provision for credit losses 30 9 39 Total operating expenses 860 871 925 (1)% (7)% Pre-tax income 431 457 400 (6)% +8% Cost/income ratio 65% 65% 68% Return on regulatory capital 14% 15% 13% Key metrics in CHF bn 3Q16 2Q16 3Q15 A 2016 A 3Q15 Adj. net margin in bps 35 42 34 1 PB Net new assets 0.2 0.9 3.1 Mandates penetration 29% 28% 24% Net loans 167 165 163 +1% +3% Net new assets C&IB (1.2) 0.7 1.9 Risk-weighted assets 66 65 59 +1% +10% Leverage exposure 246 245 234 +5% Note: Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in the Appendix CREDIT SUISSE 3Q16 results Adjusted pre-tax income up 8% compared to 3Q15: Continued YoY profit growth Revenues down 3% driven by low client activity partly offset by rebound in net interest income Operating expenses down 7% despite continuous investment in regulatory, compliance and digitalization in Wealth Management Focus on growing 'Bank for Entrepreneurs'; targeting HNWI/UHNWI in Wealth Management and SME in C&IB, in addition to our leading Swiss corporates franchise Wealth Management Credit Suisse Invest driving mandates penetration of 29%, up 5 percentage points vs. 3Q15 Selected exits in the External Asset Manager (EAM) business and regularization outflows impacting NNA by CHF (0.5) bn and CHF (0.4) bn, respectively Corporate & Institutional Banking Continued strong results including benefits from reduced operating expenses, supported by lower corporate functions cost, and lower provisions for credit losses NNA impacted by outflows from a small number of individual cases November 2016 24

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