SUPPLEMENTS TO THE 4TH QUARTER 2001 RESULTS
SUPPLEMENTS TO THE FULL YEAR AND FOURTH QUARTER 2001 RESULTS
Zurich, March 12, 2002
Supplement 3
In CHF m
Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation, write-offsLosses, provisions *Pre-tax profitNet extraordinary itemsTaxesNet profit bef. minorities
CSFS
2,212-842-800
-1,642570
-317-103150
-2-14134
CSPB
1,370-402-265-667703-3055
72810
-137601
CSAM
430-130-122-252178-36
0142
0-22120
CSFB
4,142-3,156-1,513-4,669
-527-625
-1,207-2,359
0655
-1,704
CC& Adj.
7-95428333340
-118-34188
-26556
-21
BUSINESS UNIT RESULTS Q4 2001 – OVERVIEW
CSG
8,161-4,625-2,272-6,8971,264
-1,126-1,289-1,151
-257538
-870
* ? to actual credit provisions at CC +11 -1 +112
Supplement 4
Cash & time depositsSafe custody accountsFI/Equities/Balanced
whereof Fixed incomewhereof Equitieswhereof Balanced/Other
Investment fundswhereof CSAM inv. fundswhereof other CSG funds *whereof external funds
Other (derivatives, etc.)FiduciaryInsurance AuMTotal
whereof discretionary
CSPBCHF bn
32373233126107
-136
5065214
64-
469128
CSAMCHF bn
8500475208168
99----
251-
509364
CSFBCHF bn
14159107
3275
-521237300-
17364
CSGCHF bn
1081,115
845375371
99233
95108
303769
1341,426
700
CSFSCHF bn
548229
821
-45336684
134274144
ASSETS UNDER MANAGEMENT AS PER 31.12.2001
* incl. private equity on behalf of clients
Supplement 5
WINTERTHUR INSURANCEINCOME STATEMENT (insurance chart of account)
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *Profit before taxes *TaxesNet operating profit before minorities *Net operating profit *
Q4/01CHF m
3,795-2,837
-50-1,081
-173503
-4-35
-21675
78284
Q1/01CHF m
3,617-2,799
-112-1,049
-343529
7-2643
210-60150133
Q3/01CHF m
3,708-2,817
-78-1,033
-220360
9-2522
146-5195
102
Q2/01CHF m
3,887-3,056
-71-1,172
-412825
17-41-14375
-120255217
2001CHF m15,007
-11,509-311
-4,335-1,1482,217
29-127-165806
-224582536
* excl. amortization of goodwill
Supplement 6
WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) 2001in CHF m
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
BUformat
15,007-11,509
-311-1,938
2,21829
-127-133
3,236
Operatingincome
Insuranceformat
15,007-11,509
-311-4,335-1,1482,217
29-127-165
806
BUformat
-2,261
-2,261
Operatingexpenses
BUformat
-136
-1
-32
-169
Depreci-ation *
* excl. amortization of goodwill
Supplement 7
WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) Q4/01in CHF m
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
BUformat3,795
-2,837-50
-468
504-4
-35-206
699
Operatingincome
Insuranceformat3,795
-2,837-50
-1,081-173503
-4-35
-216
75
BUformat
-558
-558
Operatingexpenses
BUformat
-55
-1
-10
-66
Depreci-ation *
* excl. amortization of goodwill
Supplement 8
WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) Q3/01in CHF m
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
BUformat3,708
-2,817-78
-446
3609
-2515
726
Operatingincome
Insuranceformat3,708
-2,817-78
-1,033-220360
9-2522
146
BUformat
-554
-554
Operatingexpenses
BUformat
-33
7
-26
Depreci-ation *
* excl. amortization of goodwill
Supplement 9
WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) Q2/01in CHF m
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
BUformat3,887
-3,056-71
-573
82517
-418
996
Operatingincome
Insuranceformat3,887
-3,056-71
-1,172-412825
17-41-14
375
BUformat
-574
-574
Operatingexpenses
BUformat
-25
-22
-47
Depreci-ation *
* excl. amortization of goodwill
Supplement 10
WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) Q1/01in CHF m
Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
BUformat3,617
-2,799-112-451
5297
-2650
815
Operatingincome
Insuranceformat3,617
-2,799-112
-1,049-343529
7-2643
210
BUformat
-575
-575
Operatingexpenses
BUformat
-23
-7
-30
Depreci-ation *
* excl. amortization of goodwill
Supplement 11
WINTERTHUR INSURANCEINCOME STATEMENT (BU reporting format)
* excl. amortization of goodwill
Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation of non-current assets *Losses, provisionsPre-tax profit *TaxesNet operating profit bef. minorities *Net operating profit *
2001CHF m
3,236-1,388
-873-2,261
975-169
0806
-224582536
Q1/01CHF m
815-356-219-575240-30
0210-60150133
Q4/01CHF m
699-297-261-558141-66
0757
8284
Q2/01CHF m
996-386-188-574422-47
0375
-120255217
Q3/01CHF m
726-349-205-554172-26
0146-5195
102
Supplement 12
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (insurance chart of account)
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *TaxesNet operating profit before minorities *Net operating profit *
2001CHF m17,188
-12,167-5,457
-287-1,8683,651
86-135-225
-53733
-153580578
Q1/01CHF m
6,1243,686
-2,094-403-372793
13-32-37-39267-63204199
Q3/01CHF m
3,048-2,560
553-114-463-376
25-27-351162
46660
Q2/01CHF m
3,183-2,687-1,205
-228-581
1,91924
-40-62-27296-66230214
Q4/01CHF m
4,833-3,234-2,711
458-452
1,31524
-36-91
2108-2880
105
* excl. amortization of goodwill
Supplement 13
in CHF m
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
Insuranceformat
17,188-12,167
-5,457-287
-1,8683,651
86-135-225
-53
733
BUformat
-326-6
-18
-350
Depreci-ation *
BUformat
17,188-12,167-5,457
-287-122
3,65786
-135-225-35
2,503
Operatingincome
BUformat
-1,420
-1,420
Operatingexpenses
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) 2001
* excl. amortization of goodwill
Supplement 14
in CHF m
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
Insuranceformat4,833
-3,234-2,711
458-452
1,31524
-36-91
2
108
BUformat
-88-2
-2
-92
Depreci-ation *
BUformat4,833
-3,234-2,711
4581
1,31724
-36-91
4
565
Operatingincome
BUformat
-365
-365
Operatingexpenses
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) Q4/01
* excl. amortization of goodwill
Supplement 15
in CHF m
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
Insuranceformat3,048
-2,560553
-114-463-376
25-27-3511
62
BUformat
-91-1
-8
-100
Depreci-ation *
BUformat3,048
-2,560553
-114-12
-37525
-27-3519
522
Operatingincome
BUformat
-360
-360
Operatingexpenses
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) Q3/01
* excl. amortization of goodwill
Supplement 16
in CHF m
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
Insuranceformat3,183
-2,687-1,205
-228-581
1,91924
-40-62-27
296
BUformat
-89-3
-4
-96
Depreci-ation *
BUformat3,183
-2,687-1,205
-228-116
1,92224
-40-62-23
768
Operatingincome
BUformat
-376
-376
Operatingexpenses
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) Q2/01
* excl. amortization of goodwill
Supplement 17
in CHF m
Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *
Profit before taxes *
Insuranceformat6,124
-3,686-2,094
-403-372793
13-32-37-39
267
BUformat
-58
-4
-62
Depreci-ation *
BUformat6,124
-3,686-2,094
-4035
79313
-32-37-35
648
Operatingincome
BUformat
-319
-319
Operatingexpenses
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) Q1/01
* excl. amortization of goodwill
Supplement 18
WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU reporting format)
* excl. amortization of goodwill
Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation of non-current assets *Losses, provisionsPre-tax profit *TaxesNet operating profit bef. minorities *Net operating profit *
2001CHF m
2,503-749-671
-1,4201,083-350
0733
-153580578
Q1/01CHF m
648-183-136-319329-62
0267-63204199
Q4/01CHF m
565-142-223-365200-92
0108-2880
105
Q2/01CHF m
768-212-164-376392-96
0296-66230214
Q3/01CHF m
522-212-148-360162
-1000
624
6660
Supplement 19
Gross margin (in bp)
70 65 67 64 67
36 45 41 32 31
22 27 17 18 22
0306090
120
Q4/00 Q1/01 Q2/01 Q3/01 Q4/01
CREDIT SUISSE PRIVATE BANKINGGROSS AND NET MARGINS
Net margin (in bp) *53 57
48 4453
Q4/00 Q1/01 Q2/01 Q3/01 Q4/01
FY 2001: 50 bp
114 120127 137 125
* excl. amortisation of goodwill
Other revenue
Transaction driven
Asset driven
Supplement 20
CREDIT SUISSE PRIVATE BANKINGCOMPOSITION OF ASSETS UNDER MANAGEMENT
28% 26% 26% 26% 25%
38% 40% 41% 40% 40%
26% 27% 26% 27% 27%
7%7%8% 8% 7%
12/00 03/01 06/01 09/01 12/01
AuM currency composition
38% 34% 33% 28% 30%
32% 34% 33% 35% 32%
30% 32% 34% 37% 38%
12/00 03/01 06/01 09/01 12/01
AuM categories
Liquidity / MM & other
Fixed income
Equities
EUR
USD
CHF
all other currencies
Supplement 21
CREDIT SUISSE ASSET MANAGEMENTCOMPOSITION OF DISCRETIONARY AuM
34% 36% 35% 39% 39%
34% 31% 31% 28% 31%
21% 21% 22% 22% 19%
11% 12% 12% 11% 11%
12/00 03/01 06/01 09/01 12/01
Other
Balanced
Equity
Fixed Income
Supplement 22
CREDIT SUISSE FIRST BOSTONREVENUE BY INCOME STATEMENT ITEMS
Net interest income before acquisition interestAcquisition interest
Net interest incomeNet commission & service fee incomeNet trading income
Other ordinary income, netExceptional items
Other ordinary income, netOperating income
n.b.Brokerage, execution and clearing expenses(not netted against operating income, but presented as part of operating expenses)
2001CHF m
3,771-770
3,00111,519
8,900-561-34
-59522,825
-901
Q1/01CHF m
854-243
6113,2172,949
-33-
-336,744
-157
Q4/01CHF m
806-164
6422,791
982-239
-34-273
4,142
-340
Q2/01CHF m
855-200
6553,0083,060
-109-
-1096,614
-189
Q3/01CHF m
1,256-163
1,0932,5031,909
-180-
-1805,325
-215
Supplement 23
CREDIT SUISSE FIRST BOSTONFID REVENUE BREAKDOWN - 2001
EMG13%
Rates42% Credit
45%
Fixed Income *
* Fixed Income revenue includes 50% of fixed income capital markets
Supplement 24
CREDIT SUISSE FIRST BOSTONEQUITY REVENUE BREAKDOWN - 2001
US customer
34%
LatAm customer
2%
Europe customer
16%
Asia customer
8%
EDCU40%
Equity *
* Equity revenue includes 50% of equity capital markets
Supplement 25
CREDIT SUISSE FIRST BOSTONIBD REVENUE BREAKDOWN - 2001
Leveraged finance10%
M&A54%
Other7%
ECM21%
DCM8%
Investment Banking *
* Investment Banking revenue includes 50% of equity capital markets and 50% of fixed income capital markets
Supplement 26
CREDIT SUISSE FIRST BOSTONEMERGING MARKETS EXPOSURES
AsiaTotal exposure, net of provisions and off-sets(whereof provisions)
AmericasTotal exposure, net of provisions and off-sets(whereof provisions)
Eastern EuropeTotal exposure, net of provisions and off-sets(whereof provisions)
AfricaTotal exposure, net of provisions and off-sets(whereof provisions)
Middle EastTotal exposure, net of provisions and off-sets(whereof provisions)
12.2000USD m
3,233(304)
2,068(16)
1,918(258)
813(29)
392(12)
12.2001USD m
3,051(296)
3,288(118)
1,561(16)
690(16)
328(10)
09.2001USD m
2,554(294)
3,394(39)
1,465(26)
703(29)
518(12)
Supplement 27
LoansLoan equivalent exposure
Money marketF/X, precious metalsDerivatives
Trading positionsFixed incomeEquities
Reverse repos (country exposure)
Total, gross
Net notional FX positionProvisions
Net exposure
ArgentinaUSD m
21155
055
0
000
5
271
234(79)
426
BrazilUSD m
382468
0484(16)
1,2111,165
45
873
2,933
(1,511)0
1,422
ARGENTINA & BRAZIL EXPOSURE - CSFB(at close of business 31 December 2001)
Supplement 28
BANK FEE & COMMISSION INCOME
365 310 375
1,104 1,518 1,116 1,101 1,082
2,187 1,7642,033
1,389 1,780
1,250 1,222 1,256
1,1621,177
-261-249-235-220-110
382333
158240
161221237
Q4/00 Q1/01 Q2/01 Q3/01 Q4/01
in CHF m
3,953
4,6954,311
5,001 4,886
Other + 21%
Commission exp. + 5%
Brokerage - 2%
Change vs.Q3 2001
Lending related - 34%
Portfolio Mgmt. + 1%
Underwriting &Corporate + 28%Finance
§ Fees & commissions up 9% vs. Q3/01 on slight pick up in market activity§ Lending related fees down on less syndication business
Total + 9%
Supplement 29
BIS CAPITAL ADEQUACY CALCULATION AS OF31 DECEMBER 2001
7,404
33,644 35,058
1,4523,735
5,277 3,167 1,753
3,167
2,110
1,414
219,70719,402
16,754
4,286
1,753
15,656
Corp.Centre
CSFB
CSAM
CSPF 13CSB
CSPB
WGRWGR
minorities,goodwill,
andother adj.
CSGEquity
TotalTier 1
Tier 1banking
TotalRWA
38,921
222,874
21,155
RWAbanking
in CHF m
36,811 36,811
CSG par value
issued for WGR
merger in 1997
Goodwilland
other adj.banking
Supplement 30
TOTAL COUNTERPARTY EXPOSUREINDUSTRY BREAKDOWN
Selected Industries§ Aircraft / Air Transport: 0.8%§ Automotive: 0.6%§ Computer: 2.3%§ Energy: 5.1%§ Health Care: 1.2%§ Telecom: 2.6%
Services16.0%
Manufacturing10.1%
RE & Const.7.5%
Financial Enterprises
38.4%
Public2.5%
Individuals16.5%
Other2.2%
Energy/Environ.5.1%
Agri/Mining1.8%
Total exposure: CHF 400 bn(as of 31 December 2001)
Supplement 31
in CHF m
LendingUnused committed facilitiesContingent exposures
Credit exposures (excl. counterparty trading)Counterparty trading
Total counterparty exposures *
Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures
Capital provisions against NPLs **Coverage ratio of NPLs
Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures
CS & IPBlegal entities
142,15612,08115,638
169,875978
170,853
5,9183.5%3.5%
3,52360%
29317 bp17 bp
CSFBlegal entity
46,108101,719
9,883157,710
71,808229,518
3,7482.4%1.6%
2,20559%
1,21477 bp53 bp
CSGconsolidated
188,264113,800
25,521327,585
72,786400,371
9,6663.0%2.4%
5,72859%
1,50746 bp38 bp
EXPOSURES, NPLs, PROVISION EXPENSEFY 2001
* includes loans and loan equivalents** excludes interest (fully provided) 1,385 - 1,385
Supplement 32
in CHF m
LendingUnused committed facilitiesContingent exposures
Credit exposures (excl. counterparty trading)Counterparty trading
Total counterparty exposures *
Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures
Capital provisions against NPLs **Coverage ratio of NPLs
Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures
Q103/01
198,178125,137
24,366347,680
75,198422,878
9,7302.8%2.3%
5,99762%
20724 bp20 bp
Q309/01
190,806122,276
22,478335,560
82,770418,330
9,1652.7%2.2%
5,14856%
40148 bp38 bp
Q412/01
188,264113,800
25,521327,585
72,786400,371
9,6663.0%2.4%
5,72859%
70086 bp70 bp
EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CSG CONSOLIDATED
* includes loans and loan equivalents** excludes interest (fully provided) 1,385 1,407 1,685 1,830
Q206/01
193,071133,515
23,841350,427
80,837431,263
9,7402.8%2.3%
5,86960%
19823 bp18 bp
Supplement 33
in CHF m
LendingUnused committed facilitiesContingent exposures
Credit exposures (excl. counterparty trading)Counterparty trading
Total counterparty exposures *
Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures
Capital provisions against NPLs **Coverage ratio of NPLs
Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures
Q103/01
139,91714,01615,699
169,6321,645
171,277
7,9264.7%4.6%
4,90962%
4210 bp10 bp
Q309/01
138,75912,43214,890
166,0811,390
167,471
6,2703.8%3.7%
3,60057%
7518 bp18 bp
Q412/01
142,15612,08115,638
169,875978
170,853
5,9183.5%3.5%
3,52360%
7417 bp17 bp
EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CS & IPB LEGAL ENTITIES
* includes loans and loan equivalents** excludes interest (fully provided) 1,385 1,407 1,685 1,830
Q206/01
141,31412,20616,210
169,7301,704
171,433
7,0724.2%4.1%
4,46463%
10224 bp24 bp
Supplement 34
in CHF m
LendingUnused committed facilitiesContingent exposures
Credit exposures (excl. counterparty trading)Counterparty trading
Total counterparty exposures *
Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures
Capital provisions against NPLsCoverage ratio of NPLs
Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures
Q103/01
58,261111,121
8,667178,049
73,553251,602
1,8041.0%0.7%
1,08860%
16537 bp26 bp
Q309/01
52,047109,844
7,588169,479
81,380250,859
2,8951.7%1.2%
1,54853%
32677 bp52 bp
Q412/01
46,108101,719
9,883157,710
71,808229,518
3,7482.4%1.6%
2,20559%
627159 bp109 bp
EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CSFB LEGAL ENTITY
* includes loans and loan equivalents
Q206/01
51,758121,308
7,631180,697
79,133259,830
2,6681.5%1.0%
1,40553%
9621 bp15 bp
Supplement 35
in CHF m
LendingUnused committed facilitiesContingent exposures
Credit exposures (excl. counterparty trading)Counterparty trading
Total counterparty exposures *
Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures
Capital provisions against NPLs **Coverage ratio of NPLs
Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures
CS & IPBlegal entities
135,77911,58016,583
163,9421,633
165,575
8,3475.1%5.0%
5,20262%
45328 bp27 bp
CSFBlegal entity
55,771109,574
9,194174,539
65,102239,641
1,4790.8%0.6%
98967%
42524 bp18 bp
CSGconsolidated
191,550121,154
25,777338,481
66,735405,216
9,8262.9%2.4%
6,19163%
87826 bp22 bp
EXPOSURES, NPLs, PROVISION EXPENSEFY 2000
* includes loans and loan equivalents** excludes interest (fully provided) 1,906 - 1,906
Supplement 36
CAUTIONARY STATEMENT REGARDINGFORWARD-LOOKING INFORMATION
This presentation may contain projections or other forward-looking statements related to Credit Suisse Group that involve risks anduncertainties. Readers are cautioned that these statements are only projections and may differ materially from actual future results or events. Readers are referred to the documents filed by Credit Suisse Group with the SEC, specifically the most recent filing on Form 20-F, which identify important risk factors that could cause actual results to differ from those contained in the forward-looking statements, including, among other things, risks relating to market fluctuations and volatility, significant interest rate changes, credit exposures, cross border transactions and foreign exchange fluctuations, impaired liquidity, competition and legal liability. All forward-looking statements are based on information available to Credit Suisse Group on the date of its posting and Credit Suisse Group assumes no obligation to update such statements unless otherwise required by applicable law.