Transformation to CS First Boston

14 Balance Sheet Profitability PCL/Costs Rev. Group Overview Credit Suisse Group in CHF mn 4Q22 3Q22 4Q21 A 4Q21 2022 2021 A 2021 Net revenues Adjusted net revenues 3,060 3,804 4,582 2,964 3,798 4,384 (33)% (32)% 14,921 15,164 22,544 22,696 (34)% (33)% Provision for credit losses 41 21 (20) Adjusted provision for credit losses 41 21 (15) Operating expenses 4,334 Adjusted operating expenses 3,938 3,869 4,125 6,266 4,071 16 171 (102) (31)% 18,163 19,091 (3)% 16,242 16,047 4,205 (5)% 1% Pre-tax income/(loss) (1,315) (342) (1,664) Adjusted pre-tax income/(loss) (1,015) Income tax expense 82 (92) 3,698 328 n/m n/m (3,258) (600) n/m (1,249) 6,599 n/m 416 4,048 1,026 Net income/(loss) (1,393) (4,034) (2,085) n/m (7,293) (1,650) n/m attributable to shareholders Return on tangible equity+ Cost/income ratio (13.5)% (38.3)% (20.9)% 142% 108% 137% (17.6)% (4.2)% 122% 84% CET1 ratio 14.1% 12.6% 14.4% 14.1% 14.4% Risk-weighted assets in CHF bn 251 274 Leverage exposure in CHF bn 651 837 268 889 (6)% (27)% 251 651 268 889 (6)% (27)% Liquidity coverage ratio¹ 144% 192% 203% Reported pre-tax loss ■ of CHF 1,315 mn driven by losses in the Investment Bank and Wealth Management divisions ■ included CHF 191 mn real estate gains, CHF 77 mn loss related to the disposal of the stake in Allfunds Group plc, CHF 352 mn restructuring expenses and CHF 34 mn major litigation provisions Adjusted net revenues ■ down 32% YoY, driven by reduced client activity across our divisions reflecting substantially lower Sales & Trading revenues impacted by our strategic actions, accelerated deleveraging as well as the industry-wide slowdown in capital markets and advisory in the Investment Bank ■ lower recurring revenues in Wealth Management and Swiss Bank from net assets and deposit outflows Adjusted operating expenses ■ stable YoY; actions already mandated in 4Q22 represent 80% of the CHF ~1.2 bn cost savings target for 2023 Note: Results excluding certain items in our reported results are non-GAAP financial measures. See the appendix of this presentation for detailed information and defined terms as well as important presentation and other information relating to non-GAAP financial measures, including reconciliations. 1 Calculated using a three-month average, which is calculated on a daily basis CREDIT SUISSE

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