Fourth Quarter and Full Year 2016 Results Presentation

...with higher gross and net margins Adjusted gross margin 1,2 in bps 112 114 2015 2016 Adjusted net margin 1,2 in bps Note: Adjusted results are non-GAAP financial measures. A reconciliation to reported results is included in the Appendix 1 Relating to Wealth Management in SUB, IWM and APAC 2 Adjusted to exclude Swisscard net revenues of CHF 148 mn and operating expenses of CHF 123 mn for 2015 in SUB Wealth Management CREDIT SUISSE 28 30 2015 2016 Execution Profitable growth Legacy Capital Detailed Financials February 14, 2017 6

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