About Credit Suisse A brief presentation. November 2017
|
|
- Briana Riley
- 6 years ago
- Views:
Transcription
1 About Credit Suisse A brief presentation November 2017
2 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements that involve inherent risks and uncertainties, and we might not be able to achieve the predictions, forecasts, projections and other outcomes we describe or imply in forward-looking statements. A number of important factors could cause results to differ materially from the plans, objectives, expectations, estimates and intentions we express in these forward-looking statements, including those we identify in "Risk factors in our Annual Report on Form 20-F for the fiscal year ended December 31, 2016 and in the Cautionary statement regarding forward-looking information" in our 3Q17 Financial Report filed with the US Securities and Exchange Commission, and in other public filings and press releases. We do not intend to update these forward-looking statements except as may be required by applicable law. In particular, the terms Illustrative, Ambition, Outlook and Goal are not intended to be viewed as targets or projections, nor are they considered to be Key Performance Indicators. All such illustrations, ambitions and goals are subject to a large number of inherent risks, assumptions and uncertainties, many of which are completely outside of our control. Accordingly, this information should not be relied on for any purpose. We do not intend to update these illustrations, ambitions or goals. We may not achieve the benefits of our strategic initiatives We may not achieve all of the expected benefits of our strategic initiatives. Factors beyond our control, including but not limited to the market and economic conditions, changes in laws, rules or regulations and other challenges discussed in our public filings, could limit our ability to achieve some or all of the expected benefits of these initiatives. Estimates and assumptions In preparing this presentation, management has made estimates and assumptions that affect the numbers presented. Actual results may differ. Annualized numbers do not take account of variations in operating results, seasonality and other factors and may not be indicative of actual, full-year results. Figures throughout this presentation may also be subject to rounding adjustments. Statement regarding non-gaap financial measures This presentation also contains non-gaap financial measures, including adjusted results. Information needed to reconcile such non-gaap financial measures to the most directly comparable measures under US GAAP can be found in this presentation in the Appendix, which is available on our website at Statement regarding capital, liquidity and leverage As of January 1, 2013, Basel III was implemented in Switzerland along with the Swiss Too Big to Fail legislation and regulations thereunder (in each case, subject to certain phase-in periods). As of January 1, 2015, the Bank for International Settlements (BIS) leverage ratio framework, as issued by the Basel Committee on Banking Supervision (BCBS), was implemented in Switzerland by FINMA. Our related disclosures are in accordance with our interpretation of such requirements, including relevant assumptions. Changes in the interpretation of these requirements in Switzerland or in any of our assumptions or estimates could result in different numbers from those shown in this presentation. Capital and ratio numbers for periods prior to 2013 are based on estimates, which are calculated as if the Basel III framework had been in place in Switzerland during such periods. Unless otherwise noted, leverage exposure is based on the BIS leverage ratio framework and consists of period-end balance sheet assets and prescribed regulatory adjustments. Beginning in 2015, the Swiss leverage ratio is calculated as Swiss total capital, divided by period-end leverage exposure. The look-through BIS tier 1 leverage ratio and CET1 leverage ratio are calculated as look-through BIS tier 1 capital and CET1 capital, respectively, divided by end-period leverage exposure. November
3 Credit Suisse overview Founded ,720 employees from over 150 nations in about 50 countries We aim to be a leading wealth manager with strong investment banking capabilities Leading global wealth manager Specialist investment banking capabilities Strengths Strong presence in home market of Switzerland Well positioned to capture growth in emerging markets Strategy Position ourselves as the Bank for Entrepreneurs by leveraging our strengths in wealth management and investment banking that we believe will provide us with key competitive advantages to succeed in these markets. Seek to follow a balanced approach to wealth management aiming to capitalize on both the large pool of wealth within mature markets as well as the significant growth in wealth in Asia Pacific and other emerging markets. Expand our position in Switzerland with a specific focus on becoming the Bank for Entrepreneurs and plan to further expand our strong position with Swiss private, corporate and institutional clients as well as take advantage of opportunities arising from consolidation. Three regionally focused divisions, two divisions specializing in investment banking and one for businesses and positions that do not fit our strategy and which we will wind down over time Structure Swiss Universal Bank International Wealth Management Asia Pacific Investment Banking & Capital Markets Global Markets Strategic Resolution Unit Picture: Credit Suisse head office at Paradeplatz in Zurich, Switzerland November
4 Credit Suisse Group: key metrics Short- Longterm term Outlook Moody s P-1 A1 S&P A-1 A Fitch Ratings F1 Senior Credit Ratings 1 Credit Suisse AG (the Bank) A Stable Stable Stable Financial Performance In CHF bn 9M Net revenues Pre-tax income/(loss) 1.7 (2.3) (2.4) 3.6 Adjusted pre-tax income Net income/(loss) attributable to shareholders 1.1 (2.7) (2.9) 1.9 Return on equity attributable to shareholders 4% (6)% (7)% 4% Net new assets Assets under management 1,345 1,251 1,214 1,369 Total assets Net loans Capital ratios Basel 3 look-through 3Q CET1 ratio 13.2% 11.5% 11.4% 10.1% CET1 leverage ratio 3.8% 3.2% 3.3% 2.5% Tier 1 leverage ratio 5.2% 4.4% 4.5% 3.5% A balanced business portfolio Swiss Universal Bank International Wealth Management Asia Pacific Global Markets Investment Banking & Capital Markets CC & SRU 7% 6% 42% 2016 adjusted pre-tax income 2 19% 26% 4% 7% 27% 46,720 employees as of 3Q17 25% 22% 15% 1,850 3,570 relationship managers 590 as of 3Q17 o/w 1,300 PC o/w 550 C&IC 1,130 Note: Adjusted results are non-gaap financial measures. A reconciliation to reported results is included in the Appendix 1 Relates to our senior unsecured debt and are subject to change without notice. Latest rating action on December 13, Excluding Corporate Center and SRU November
5 Swiss Universal Bank Strengthen position in our domestic market The Swiss Universal Bank division offers comprehensive advice and a wide range of financial solutions to private, corporate and institutional clients primarily domiciled in our home market Switzerland, which offers attractive growth opportunities and where we can build on a strong market position across our key businesses. Our Private Clients business has a leading franchise in our Swiss home market and serves ultrahigh-net-worth individuals, high-net-worth individuals, affluent and retail clients. Our Corporate & Institutional Clients business serves large corporate clients, small and medium-sized enterprises, institutional clients, external asset managers and financial institutions. 12,600 1,850 Employees Relationship Managers Key Priorities Financial Performance Private Clients Corporate & Institutional Clients Value proposition Seek to consistently deliver the best value proposition for our client segments: private & wealth management clients, premium clients, corporate clients and institutional clients. Business model Complement simple, low-risk business model (focus on Swissdomiciled clients) with international, best-in-class investment banking and asset management capabilities Brand Be recognized as THE Bank for Entrepreneurs in Switzerland Efficiency & Returns Reduce management layers to drive faster decisions, optimize processes and eliminate duplication Produce a consistently strong return on regulatory capital, in excess of our cost of capital All information for or as of end 3Q17, as applicable, unless noted otherwise Net Revenues in CHF bn % 41% 56% 44% Net New Assets in CHF bn % 43% 2.6 Pre-tax income in CHF bn % % 42% 54% 44% 47% 48% 58% 46% 56% (9.0) Assets under Management CHF 206 bn 3Q17 CHF 553 bn CHF 347 bn November
6 International Wealth Management Relentless focus on clients The International Wealth Management division through its Private Banking business offers comprehensive advisory services and tailored investment and financing solutions to wealthy private clients and external asset managers in Europe, the Middle East, Africa and Latin America, utilizing comprehensive access to the broad spectrum of Credit Suisse s global resources and capabilities as well as a wide range of proprietary and third-party products and services. Our Asset Management business offers investment solutions and services globally to a broad range of clients, including pension funds, governments, foundations and endowments, corporations and individuals. 10,110 Employees 1,130 Relationship Managers Key Priorities Financial Performance Private Banking Asset Management Deliver client value Holistic client coverage Leverage investment and research capabilities Invest in additional resources and broaden lending activities to address clients sophisticated financing needs Enhance client proximity Grow sales force Expand hub and spokes model Increase client time Simplify and de-layer organization to bring decision-making closer to point of advice Invest in technology and automation to increase client face time All information for or as of end 3Q17, as applicable, unless noted otherwise Net Revenues in CHF bn % 33% 71% 29% Net New Assets in CHF bn % 28% % 28% 31.8 Pre-tax income in CHF bn % 33% % 1.1 Assets under Management CHF 355 bn 3Q17 CHF 732 bn 75% % CHF 377 bn November
7 Asia Pacific The Trusted Entrepreneurs Bank In the Asia Pacific division, our wealth management, financing and underwriting and advisory teams work closely together to deliver integrated advisory services and solutions to our target ultra-high-net-worth, entrepreneur, and corporate clients. Our Wealth Management & Connected business combines our activities in wealth management with our financing, underwriting and advisory activities. Our Markets business represents our equities and fixed income trading business in Asia Pacific, which supports our wealth management activities, but also deals extensively with a broader range of institutional clients. 7, Employees Relationship Managers Key Priorities Financial Performance Wealth Management & Connected Markets Focus on UHNWI Deliver client critical equities & financing capabilities Continue to deliver new investment products and services from our investment banking platform Prudently build out quality credit and equity strategic financing, while remaining mindful of market volatility Grow broad base of business profitability Continue to grow existing business franchises where we have deep client relationships and strong, profitable market positions Grow recurring fee-income base by leveraging integrated, advisory-led model Adjust business model for new market entry or business acquisition to drive incremental growth Net Revenues in CHF bn % 52% % 61% Markets revenues in CHF bn Fixed Income sales and trading 31% CHF 1.7 bn 53% 47% Pre-tax income in CHF bn % % 67% 46% 145% 103% 35% 33% Equity sales and trading 69% Private Banking 1 Assets In CHF bn Assets under Management Net New Assets All information for or as of end 3Q17, as applicable, unless noted otherwise 1 APAC PB within WM&C November
8 Global Markets Connectivity with the Group The Global Markets division offers a broad range of financial products and services to client-driven businesses and also supports Credit Suisse s global wealth management businesses and their clients. Our suite of products and services includes global securities sales, trading and execution, prime brokerage and comprehensive investment research. Our clients include financial institutions, corporations, governments, institutional investors, such as pension funds and hedge funds and private individuals around the world. 11,760 Employees Key Priorities Financial Performance Maintain strong client franchise and enhance collaboration across Credit Suisse divisions Maintain and defend leading market positions across equities and fixed income Increase collaboration with institutional, corporate and wealth management clients to grow revenues Enhance product offerings into developed Europe and emerging markets Increase operating leverage and profitability Continue ongoing cost-saving initiatives by increasing efficiencies from consolidating solutions platform and eliminating duplication across functions Ambitions to generate USD 6bn+ revenues with an adjusted cost base of < USD 4.8bn while generating over 10% adjusted return on regulatory capital Drive the CS strategy of a global wealth manager with strong Investment Banking capabilities Net Revenues in CHF bn, excluding other revenues 1 Underwriting Equity sales and trading Fixed income sales and trading Risk-Weighted Assets in USD bn Q17 Note: Adjusted results are non-gaap financial measures. See appendix (notes) All information for or as of end 3Q17, as applicable, unless noted otherwise 1 Other revenues of CHF (236) mn, CHF (207) mn, CHF (216) mn and CHF (160) mn in 2014, 2015, 2016 and 9M17, respectively 37% 48% 39% 48% % 13% 17% 38% 45% % 30% 52% Leverage Exposure in USD bn Q17 November
9 Investment Banking & Capital Markets The Investment Banking & Capital Markets division offers a broad range of investment banking services to corporations, financial institutions, financial sponsors and ultra-high-net-worth individuals and sovereign clients. Our range of products and services includes advisory services related to mergers and acquisitions, divestitures, takeover defense mandates, business restructurings and spin-offs. The division also engages in debt and equity underwriting of public securities offerings and private placements. 3,260 Employees Key Priorities Financial Performance Optimize client coverage footprint to increase share in M&A and ECM while maintaining our leading leveraged finance franchise Targeted plans for investment grade corporates, non-investment grade corporates and financial sponsors Globally-coordinated EM coverage effort Grow the UHNWI offering established in 2016 Collaborate across divisions and regions to deliver seamless solutions to clients Improve profitability with a mix of revenue growth, increased operating efficiencies and disciplined capital management Deliver returns in excess of cost of capital: target 15-20% adjusted return on regulatory capital by 2018 Net Revenues in CHF bn, excluding other revenues 1 Equity Underwriting Debt Underwriting Advisory and other fees % 29% 42% 39% % 19% 15% 45% 40% % 48% 35% Risk-Weighted Assets in USD bn Q17 Leverage Exposure in USD bn Q17 Note: Adjusted results are non-gaap financial measures. See appendix (notes) All information for or as of end 3Q17, as applicable, unless noted otherwise 1 Other revenues of CHF (33) mn, CHF (146) mn, CHF (123) mn and CHF (44) mn in 2014, 2015, 2016 and 9M17, respectively November
10 Executive Board Business divisions James L. Amine CEO Investment Banking & Capital Markets Thomas P. Gottstein CEO Swiss Universal Bank Iqbal Khan CEO International Wealth Management Brian Chin CEO Global Markets Helman Sitohang CEO Asia Pacific Tidjane Thiam Chief Executive Officer Corporate Functions Pierre-Olivier Bouée Chief Operating Officer Romeo Cerutti General Counsel Peter Goerke Head of Human Resources, Communications & Branding David R. Mathers Chief Financial Officer Joachim Oechslin Chief Risk Officer Lara J. Warner Chief Compliance & Regulatory Affairs Officer November
11 Board of Directors Urs Rohner Chairman, Chairman of the Chairman's and Governance Committee Iris Bohnet Andreas Gottschling Alexander Gut Andreas N. Koopmann Seraina (Maag) Macia Kai S. Nargolwala Chairman of the Compensation Committee Joaquin J. Ribeiro Severin Schwan Vice-Chair and Lead Independent Director Richard E. Thornburgh Vice-Chair and Chairman of the Risk Committee John Tiner Chairman of the Audit Committee Alexandre Zeller Members of the: Chairman s and Governance Committee Compensation Committee Audit Committee Risk Committee November
12 Corporate Responsibility at Credit Suisse: our responsible approach to business is a key factor in determining our long-term success Responsibility in Banking CHF 19,684 mn amount of assets have been invested according to our sustainability criteria 89% of our private clients in Switzerland are satisfied with our services Responsibility in Society CHF 159 bn is Credit Suisse s volume of outstanding loans in Switzerland 18,554 of our employees around the world volunteered their time to help charitable causes Responsibility as an Employer Approximately 1,390 benefited from a structured educational program 70,600 days of classroom training were delivered Responsibility for the Environment 190,422 hours of desktop videoconferencing were used, helping to reduce our CO 2 emissions 8,700 hours of training on environmental management, health and safety were provided to employees All information for or as of year-end 2016, as applicable, unless otherwise noted November
13 Credit Suisse with a diverse international shareholder base Shareholder Base 1 As of end 2Q17 Significant Shareholders 2 Private investors Other investors 5% Institutional investors 10% 85% 8% 48% 18% 11% 15% Switzerland Europe United Kingdom & Ireland North America Other Share ownership Harris Associates L.P % Norges Bank 5.1% Qatar Holding LLC 5.0% Olayan Group 4.9% BlackRock, Inc. 4.2% Share price development from 2009 through 3Q17 4 Credit Suisse shares are listed on the SIX Swiss Exchange and on the New York Stock Exchange in the form of American Depositary Shares In CHF Credit Suisse (CSGN VX) EURO STOXX Banks index (rebased as of January 1, 2009) - Dec Dec Dec Dec Dec Dec Dec Dec Dec Source: IPREO 2 Share ownership of at least 3% as per latest available notification to the SIX Swiss Exchange on September 2, This position includes the reportable position of Harris Associates Investment Trust (5.01% shares), as published by SIX on June 28, Through September 30, One American Depositary Share represents one common share November
14 Appendix
15 Adjusted results are non-gaap financial measures that exclude goodwill impairment and certain other revenues and expenses included in our reported results. Management believes that adjusted results provide a useful presentation of our operating results for purposes of assessing our Group and divisional performance consistently over time, on a basis that excludes items that management does not consider representative of our underlying performance. Provided below is a reconciliation of our adjusted results to the most directly comparable US GAAP measures. Reconciliation of adjustment items (1/2) CS Group in CHF mn SRU in CHF mn Corp. Ctr. in CHF mn 9M17 9M M17 9M M17 9M Net revenues reported 15,711 15,142 20,323 23,797 26,242 (735) (1,069) (1,271) 511 1, Fair value on own debt (298) (543) (298) (543) Real estate gains - (346) (424) (95) (414) - - (4) (Gains)/losses on business sales (15) (34) (101) (38) Net revenues adjusted 15,696 14,852 19,957 23,370 25,184 (773) (1,065) (1,269) 511 1, Provision for credit losses (1) (1) (1) 1 Total operating expenses reported 13,892 15,028 22,337 25,895 22, ,712 4,377 3,026 4, Goodwill impairment (3,797) Restructuring expenses (318) (491) (540) (355) - (39) (120) (121) (156) - (12) - (7) - - Major litigation provisions (238) (306) (2,707) (820) (2,436) (179) (318) (2,693) (290) (2,325) Total operating expenses adjusted 13,336 14,231 19,090 20,923 19, ,274 1,563 2,580 2, Pre-tax income/(loss) reported 1,652 (63) (2,266) (2,422) 3,627 (1,680) (2,864) (5,759) (2,652) (3,107) (471) (409) (687) (300) 25 Total adjustments ,881 4,545 1, , , (298) (543) Pre-tax income/(loss) adjusted 2, ,123 5,005 (1,500) (2,422) (2,943) (2,206) (782) (436) (357) (628) (598) (518) SUB in CHF mn IWM in CHF mn APAC in CHF mn 9M17 9M M17 9M M17 9M Net revenues reported 4,078 4,360 5,759 5,721 5,912 3,747 3,399 4,698 4,552 4,942 2,619 2,735 3,597 3,839 3,335 Fair value on own debt Real estate gains - (346) (366) (95) (414) - - (54) (Gains)/losses on business sales (23) (24) (11) (77) Net revenues adjusted 4,078 4,014 5,393 5,603 5,474 3,747 3,399 4,644 4,541 4,865 2,619 2,735 3,597 3,839 3,335 Provision for credit losses Total operating expenses reported 2,686 2,672 3,655 3,908 3,794 2,723 2,595 3,557 3,824 3,670 2,058 2,098 2,846 3,427 2,395 Goodwill impairment (756) - Restructuring expenses (61) (63) (60) (42) - (59) (38) (54) (36) - (40) (34) (53) (3) - Major litigation provisions (42) - (19) (25) - (17) (268) (51) (6) - Total operating expenses adjusted 2,583 2,609 3,576 3,841 3,794 2,647 2,576 3,515 3,520 3,619 2,018 2,064 2,793 2,662 2,395 Pre-tax income/(loss) reported 1,332 1,643 2,025 1,675 2,024 1, , , Total adjustments 103 (283) (287) (51) (438) (12) 293 (26) Pre-tax income/(loss) adjusted 1,435 1,360 1,738 1,624 1,586 1, ,109 1,016 1, , November
16 Adjusted results are non-gaap financial measures that exclude goodwill impairment and certain other revenues and expenses included in our reported results. Management believes that adjusted results provide a useful presentation of our operating results for purposes of assessing our Group and divisional performance consistently over time, on a basis that excludes items that management does not consider representative of our underlying performance. Provided below is a reconciliation of our adjusted results to the most directly comparable US GAAP measures. Reconciliation of adjustment items (2/2) GM in CHF mn IBCM in CHF mn 9M17 9M M17 9M Net revenues 4,388 4,232 5,497 6,826 7,426 1,574 1,398 1,972 1,787 2,109 Provision for credit losses 23 1 (3) (1) Total operating expenses reported 3,720 4,188 5,452 8,747 5,405 1,281 1,266 1,691 2,101 1,599 Goodwill impairment (2,661) (380) - Restructuring expenses (79) (202) (217) (96) - (28) (34) (28) (22) - Major litigation provisions - (7) (7) (231) (60) Total operating expenses adjusted 3,641 3,979 5,228 5,759 5,345 1,253 1,232 1,663 1,699 1,599 Pre-tax income/(loss) reported (1,931) 2, (314) 511 Total adjustments , Pre-tax income/(loss) adjusted ,057 2, Group in CHF mn Total operating expenses reported 22,337 25,895 Goodwill impairment - (3,797) Restructuring expenses (540) (355) Major litigation provisions (2,707) (820) Debit valuation adjustments (DVA) - - Certain accounting changes - - Total operating expenses adjusted 19,090 20,923 FX adjustment FX neutral total operating expenses adjusted 19,382 21,242 July
17 Notes General notes Throughout the presentation rounding differences may occur Unless otherwise noted, all CET1 ratio, Tier-1 leverage ratio, risk-weighted assets and leverage exposure figures shown in this presentation are as of the end of the respective period and on a look-through basis Specific notes * Adjusted operating expenses at constant FX rates and adjusted non-compensation operating expenses at constant FX rates include adjustments as made in all our disclosures for restructuring expenses, major litigation expenses and a goodwill impairment taken in 4Q15 as well as adjustments for certain accounting changes (which had not been in place at the launch of the cost savings program), debit valuation adjustments (DVA) related volatility and for FX, applying the following main currency exchange rates for 1Q15: USD/CHF , EUR/CHF , GBP/CHF , 2Q15: USD/CHF , EUR/CHF , GBP/CHF , 3Q15: USD/CHF , EUR/CHF , GBP/CHF , 4Q15: USD/CHF , EUR/CHF , GBP/CHF , 1Q16: USD/CHF , EUR/CHF , GBP/CHF , 2Q16: USD/CHF , EUR/CHF , GBP/CHF , 3Q16: USD/CHF , EUR/CHF , GBP/CHF , 4Q16: USD/CHF , EUR/CHF , GBP/CHF , 1Q17: USD/CHF , EUR/CHF , GBP/CHF , 2Q17: USD/CHF , EUR/CHF , GBP/CHF , 3Q17: USD/CHF , EUR/CHF , GBP/CHF These currency exchange rates are unweighted, i.e. a straight line average of monthly rates. We apply this calculation consistently for the periods under review. Adjusted non-compensation expenses are adjusted operating expenses excluding compensation and benefits. To calculate adjusted non-compensation expenses at constant FX rates, we subtract compensation and benefits (adjusted at constant FX rates in the manner described above) from adjusted operating expenses at constant FX rates. Regulatory capital is calculated as the worst of 10% of RWA and 3.5% of leverage exposure. Return on regulatory capital is calculated using (adjusted) income after tax and assumes a tax rate of 30% and capital allocated based on the worst of 10% of average RWA and 3.5% of average leverage exposure. For the Markets business within the APAC division and for the Global Markets and Investment Banking & Capital Markets divisions, return on regulatory capital is based on US dollar denominated numbers. Adjusted return on regulatory capital is calculated using adjusted results, applying the same methodology to calculate return on regulatory capital. Abbreviations AM = Asset Management; APAC = Asia Pacific; BIS = Bank for International Settlements; bn = billion; CET1 = common equity tier 1; CHF = Swiss franc; C&IC = Corporate & Institutional Clients; Corp. Ctr./CC = Corporate Center; ECM = Equity Capital Markets; EM = Emerging Markets; FX = foreign exchange; GM = Global Markets; IBCM = Investment Banking & Capital Markets; IWM = International Wealth Management; M&A = mergers & acquisitions mn = million; PB = Private Banking; PC = Private Clients; RoRC = return on regulatory capital; RWA= risk-weighted assets; SRU = Strategic Resolution Unit; SUB = Swiss Universal Bank; (U)HNWI = (Ultra) High Net Worth Individuals; USD = US dollar; WM&C = Wealth Management & Connected
18 November 2017
Morgan Stanley European Financials Conference. Tidjane Thiam, CEO Credit Suisse. March 22, 2018
Morgan Stanley European Financials Conference Tidjane Thiam, CEO Credit Suisse Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material is
More informationSUPPLEMENT DATED 18 MAY 2017 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE. Credit Suisse AG Credit Suisse International
SUPPLEMENT DATED 18 MAY 2017 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE Credit Suisse AG Credit Suisse International pursuant to the Structured Products Programme for the issuance of Notes, Certificates
More informationPresentation to Investors and Analysts
First Quarter 2018 Results Presentation to Investors and Analysts April 25, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material
More informationCredit Suisse Investor Day 2017 Strategic Resolution Unit
Credit Suisse Investor Day 017 Strategic Resolution Unit David Mathers Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material is not to
More informationPresentation to Investors and Analysts
Fourth Quarter and Full Year 2016 Results Presentation to Investors and Analysts February 14, 2017 Disclaimer (1/2) The data presented in this presentation relating to the Swiss Universal Bank refers to
More informationVontobel Investors Conference Best of Banking 2018, Zurich. Antoine Boublil, CFO Swiss Universal Bank
Vontobel Investors Conference Best of Banking 2018, Zurich Antoine Boublil, CFO Swiss Universal Bank Disclaimer This material does not purport to contain all of the information that you may wish to consider.
More informationCREDIT SUISSE AG (Incorporated in Switzerland)
This Registration Document comprises: CREDIT SUISSE AG (Incorporated in Switzerland) Registration Document Information incorporated by reference into this Registration Document (pages 4 to 12); Table of
More informationCREDIT SUISSE AG (Incorporated in Switzerland)
This Registration Document comprises: CREDIT SUISSE AG (Incorporated in Switzerland) Registration Document Information incorporated by reference into this Registration Document (pages 3 to 5); Table of
More informationSUPPLEMENT DATED 15 MAY 2018 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE. Credit Suisse AG Credit Suisse International
SUPPLEMENT DATED 15 MAY 2018 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE Credit Suisse AG Credit Suisse International pursuant to the Structured Products Programme for the issuance of Notes, Certificates
More informationCredit Suisse Investor Day 2018 Key financials
Credit Suisse Investor Day 2018 Key financials David Mathers, Chief Financial Officer December 12, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to
More informationCREDIT SUISSE AG (Incorporated in Switzerland)
This Registration Document comprises: CREDIT SUISSE AG (Incorporated in Switzerland) Registration Document Information incorporated by reference into this Registration Document (pages 4 to 13); Table of
More informationCredit Suisse 2017 Compensation Report Presentation. March 23, 2018
Credit Suisse 2017 Compensation Report Presentation March 23, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material is not to be
More informationCredit Suisse Investor Day 2017 Investment Banking and Capital Markets
Credit Suisse Investor Day 2017 Investment Banking and Capital Markets James L. Amine November 30, 2017 Disclaimer This material does not purport to contain all of the information that you may wish to
More informationCREDIT SUISSE AG (Incorporated in Switzerland)
This Registration Document comprises: CREDIT SUISSE AG (Incorporated in Switzerland) Registration Document Information incorporated by reference into this Registration Document (pages 4 to 8); Table of
More informationCredit Suisse continues to deliver on its strategy and to generate profitable growth. Driving profitable, compliant growth and increasing returns
Investor Day 2018 Credit Suisse continues to deliver on its strategy and to generate profitable growth On track to successfully complete three-year restructuring Confirms RoTE targets for 2019 and 2020
More informationMorgan Stanley European Financials Conference
As announced on March 24, 2017, we updated our previously reported unaudited financial results for 4Q16 and 2016. This revised presentation has been updated to reflect changes to assets under management
More informationInternational Wealth Management. Philipp Wehle, Head Finance, International Wealth Management May 16, 2018
International Wealth Management Philipp Wehle, Head Finance, International Wealth Management May 16, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to
More informationInternational Wealth Management presenting at the Deutsche Bank Global Financial Services Conference
International Wealth Management presenting at the Deutsche Bank Global Financial Services Conference Iqbal Khan CEO International Wealth Management New York Disclaimer This material does not purport to
More informationCredit Suisse Investor Day 2016 Asia Pacific
Credit Suisse Investor Day 2016 Asia Pacific Helman Sitohang December 7, 2016 Disclaimer (1/2) The data presented in this presentation relating to the Swiss Universal Bank refers to the division of Credit
More informationPresentation on historical financials under new reporting structure. January 8, 2016
Presentation on historical financials under new reporting structure Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements that involve
More informationCredit Suisse Investor Day 2017 Global Markets
Credit Suisse Investor Day 2017 Brian Chin Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material is not to be relied upon as such or used
More informationTHIRD SUPPLEMENT DATED 3 AUGUST 2017 TO CREDIT SUISSE AG REGISTRATION DOCUMENT DATED 30 MARCH 2017
THIRD SUPPLEMENT DATED 3 AUGUST 2017 TO CREDIT SUISSE AG REGISTRATION DOCUMENT DATED 30 MARCH 2017 This supplement (the Third Supplement ) dated 3 August 2017 supplements the Registration Document dated
More informationMedia Release. Zurich, November 30, 2017
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Zurich, Media Release Investor Day 2017 Credit
More informationAnnual General Meeting of CREDIT SUISSE GROUP AG Zurich, April 27, 2018
Annual General Meeting of CREDIT SUISSE GROUP AG Zurich, Speech by Tidjane Thiam Chief Executive Officer Check against delivery Thank you, Mr. Chairman. Dear Shareholders I too would like to welcome you
More information3Q15 Letter to shareholders
3Q15 Letter to shareholders Dear shareholders 5520194 English / 229005E We are presenting today a strategy and detailed plans that are designed to deliver both growth in profits and cash to our shareholders.
More informationCredit Suisse Investor Day 2018
Credit Suisse Investor Day 2018 Tidjane Thiam, Chief Executive Officer December 12, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to consider. This
More informationCredit Suisse Third Quarter 2018 Results
Credit Suisse Third Quarter 2018 Results Tidjane Thiam, Chief Executive Officer David Mathers, Chief Financial Officer Disclaimer This material does not purport to contain all of the information that you
More informationMedia Release. April 25, 2018
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Media Release Group 1Q18 reported pre-tax income
More informationCredit Suisse Investor Day 2017
Credit Suisse Investor Day 2017 Tidjane Thiam, CEO Credit Suisse Disclaimer This material does not purport to contain all of the information that you may wish to consider. This material is not to be relied
More informationMorgan Stanley 11th Annual European Financials Conference
Morgan Stanley 11th Annual European Financials Conference London, UK Charlotte Jones, Head of Group Finance Disclaimer Cautionary statement regarding forward-looking statements This presentation contains
More informationFourth Quarter and Full Year 2014 Results
Fourth Quarter and Full Year 2014 Results Presentation to Investors February 12, 2015 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements
More informationPresentation to Investors and Analysts
Fourth Quarter and Full Year 2017 Results Presentation to Investors and Analysts February 14, 2018 Disclaimer This material does not purport to contain all of the information that you may wish to consider.
More informationCredit Suisse 14 th Annual Financial Services Forum
Credit Suisse 14 th Annual Financial Services Forum Miami, Florida Tim O Hara, Co-head of Global Securities, Credit Suisse Disclaimer Cautionary statement regarding forward-looking statements This presentation
More informationEarnings Release 2Q15
Earnings Release 2Q15 Earnings Release 2Q15 2 Key metrics Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders 1,051 1,054 (700) 0 2,105 159 of which from
More informationFourth Quarter and Full-Year 2012 Results
As announced on March 14, 2013, certain Credit Suisse Group entities have entered into agreements with bond investors of affiliates of National Century Financial Enterprises, Inc. (NCFE) to end all bond
More informationSecond Quarter 2013 Results
Second Quarter 2013 Results Presentation to Investors and Media July 25, 2013 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements
More informationSecond Quarter 2014 Results
Second Quarter 2014 Results Presentation to Investors Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements that involve inherent risks
More informationCredit Suisse 1Q14 Core pre-tax income of CHF 1,940 million for strategic businesses; reported Core pre-tax income of CHF 1,400 million
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Credit Suisse 1Q14 Core pre-tax income of CHF
More informationCredit Suisse Investor Day 2017 Efficiency & Productivity
Credit Suisse Investor Day 2017 Efficiency & Productivity Pierre-Olivier Bouée, Paul Turrell Disclaimer This material does not purport to contain all of the information that you may wish to consider. This
More informationConsensus Summary Published as of March 12 th, 2018
Consensus Summary Published as of March 12 th, 2018 The consensus summary reflects simple averages based on estimates received from 21 analysts from February 23 to March 05, 2018. It includes analysts
More informationPrivate Banking pre-tax income of CHF 0.9 billion with net new assets of CHF 18.0 billion
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Media Release Credit Suisse Group reports underlying*
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C Form 6-K
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 April 25, 2018
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C Form 6-K
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 July 28, 2017
More informationConsensus Summary Published as of October 16, 2017
Consensus Summary Published as of October 16, 2017 The consensus summary reflects simple averages based on estimates received from 18 analysts from October 3 to October 9, 2017. It includes analysts estimates
More informationAnnual Report 2017 Credit Suisse Group AG
Annual Report 207 Credit Suisse Group AG Key metrics in / end of % change 207 206 205 7 / 6 6 / 5 Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders (983)
More informationFinancial Report 2Q16
Financial Report 2Q16 Key metrics in / end of % change in / end of % change 2Q16 1Q16 2Q15 QoQ YoY 6M16 6M15 YoY Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders
More informationDevelopment of the Client-Focused, Capital-Efficient Business Model
Development of the Client-Focused, Capital-Efficient Business Model David Mathers, Chief Operating Officer, Investment Bank at the UBS Financial Services Conference, New York, May 12, 2010 Cautionary statement
More informationEIGHTH SUPPLEMENT DATED 20 FEBRUARY 2018 TO CREDIT SUISSE AG REGISTRATION DOCUMENT DATED 30 MARCH 2017
EIGHTH SUPPLEMENT DATED 20 FEBRUARY 2018 TO CREDIT SUISSE AG REGISTRATION DOCUMENT DATED 30 MARCH 2017 This supplement (the Eighth Supplement ) dated 20 February 2018 supplements the Registration Document
More informationCredit Suisse Group reports 2009 net income of CHF 6.7 billion, return on equity of 18.3%, net new assets of CHF 44.2 billion, tier 1 ratio of 16.
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Media Release Credit Suisse Group reports 2009
More informationFourth Quarter and Full-Year 2011 Results Presentation to Investors and Analysts. February 9, 2012
Fourth Quarter and Full-Year 2011 Results Presentation to Investors and Analysts February 9, 2012 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking
More information2Q12 Results Highlights & Capital Actions
2Q12 Results Highlights & Capital Actions Presentation to Investors and Media Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements
More informationPrivate Banking Investor Day Switzerland. Hans-Ulrich Meister, CEO Credit Suisse Switzerland. Zurich, September 22, 2009
Private Banking Investor Day 2009 Switzerland Hans-Ulrich Meister, CEO Credit Suisse Switzerland Zurich, September 22, 2009 Cautionary statement Cautionary statement regarding forward-looking and non-gaap
More informationEarnings Release 4Q17
Earnings Release 4Q17 Earnings Release 4Q17 2 Key metrics in / end of % change in / end of % change 4Q17 3Q17 4Q16 QoQ YoY 2017 2016 YoY Credit Suisse (CHF million, except where indicated) Net income/(loss)
More informationCredit Suisse Financial Services Forum 2009
Credit Suisse Financial Services Forum 2009 Naples, Florida February 4, 2009 Brady W. Dougan, CEO Credit Suisse Cautionary statement Cautionary statement regarding forward-looking and non-gaap information
More informationPresentation at Morgan Stanley European Financials Conference
Presentation at Morgan Stanley European Financials Conference David Mathers, Chief Financial Officer London, March 30th, 2011 Cautionary statement Cautionary statement regarding forward-looking and non-gaap
More informationThird Quarter 2013 Results
Third Quarter 2013 Results Presentation to Investors and Media Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements within the meaning
More informationSUPPLEMENT DATED 9 SEPTEMBER 2016 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE. Credit Suisse AG Credit Suisse International
SUPPLEMENT DATED 9 SEPTEMBER 2016 TO THE BASE PROSPECTUSES LISTED IN THE SCHEDULE Credit Suisse AG Credit Suisse International pursuant to the Structured Products Programme for the issuance of Notes, Certificates
More informationPrivate Banking Update
Private Banking Update Citigroup Swiss Private Banking Roundtable Zurich, September 9, 2008 Martin Mende, Private Banking Head of Business Development Cautionary statement Cautionary statement regarding
More informationFinancial Report 1Q18
Financial Report Q8 Key metrics in / end of % change Q8 4Q7 Q7 QoQ YoY Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders 694 (2,26) 596 6 Basic earnings/(loss)
More informationFirst Quarter 2012 Results
First Quarter 2012 Results Presentation to Investors and Media April 25, 2012 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements
More informationMorgan Stanley 10th Annual European Financials Conference
Morgan Stanley 10th Annual European Financials Conference London, UK Charlotte Jones, Head of Group Finance March 25, 2014 Disclaimer Cautionary statement regarding forward-looking statements This presentation
More informationCredit Suisse Investor Day 2018 Growth in Wealth Management
Credit Suisse Investor Day 2018 Growth in Wealth Management Thomas Gottstein Iqbal Khan Helman Sitohang CEO Swiss Universal Bank CEO International Wealth Management CEO Asia Pacific Disclaimer This material
More informationAmendment to Program Information
Amendment to Program Information Credit Suisse Group AG AMENDMENT TO PROGRAM INFORMATION Type of Information: Amendment to Program Information Date of Announcement 8 May 2018 Issuer Name: Name and Title
More informationCredit Suisse Group reports record income from continuing operations of CHF 8.5 billion for 2007
CREDIT SUISSE GROUP Paradeplatz 8 P.O. Box CH-8070 Zurich Switzerland Telephone +41 844 33 88 44 Fax +41 44 333 88 77 media.relations@credit-suisse.com Media release Credit Suisse Group reports record
More informationEarnings Release 1Q18
Earnings Release 1Q18 Earnings Release 1Q18 2 Key metrics in / end of Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders 694 (2,126) 596 16 Basic earnings/(loss)
More informationRegulatory disclosures Credit Suisse Group Credit Suisse (Bank) Credit Suisse (Bank) parent company Credit Suisse International
Regulatory disclosures Credit Suisse (Bank) Credit Suisse (Bank) parent company Credit Suisse International March 24, 2016 2015 2 REGULATORY DISCLOSURES In connection with the implementation of Basel III,
More informationSecond Quarter Results 2007
Second Quarter Results 2007 Zurich August 2, 2007 Brady W. Dougan, CEO Renato Fassbind, CFO Cautionary statement Cautionary statement regarding forward-looking and non-gaap information This presentation
More informationMorgan Stanley Financial Services Conference
Morgan Stanley Financial Services Conference Managing for value in an uncertain economic and regulatory environment David Mathers, Chief Operating Officer, Investment Bank London March 23, 2010 Cautionary
More informationProxy Report. Credit Suisse Group. Switzerland. Country. Meeting location. Hallenstadion, Wallisellenstrasse 45, Zurich-Oerlikon.
Proxy Report Country Meeting date Meeting location Meeting type Securities Switzerland 28 April 2017 10:30 Hallenstadion, Wallisellenstrasse 45, Zurich-Oerlikon Annual General Meeting ISIN CH0012138530,
More informationCredit Suisse Group reports net income of CHF 1.6 billion in the second quarter of 2009; return on equity of 17.5%; tier 1 ratio of 15.
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Credit Suisse Group reports net income of CHF
More informationFourth Quarter and Full-Year 2010 Results
Fourth Quarter and Full-Year 2010 Results Zurich - Presentation to Investors and Analysts February 10, 2011 Cautionary statement Cautionary statement regarding forward-looking and non-gaap information
More informationTotal net new assets of CHF 16.7 billion in 3Q09 as Credit Suisse s capital strength and integrated model continue to attract clients globally
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Media Release Credit Suisse Group reports net
More informationRegulatory disclosures Subsidiaries
Regulatory disclosures Subsidiaries 3Q8 For purposes of this report, unless the context otherwise requires, the terms Credit Suisse, the Group, we, us and our mean Credit Suisse Group AG and its consolidated
More informationSmith Barney Citigroup Financial Services Conference New York, January 26, 2005
Smith Barney Citigroup Financial Services Conference New York, January 26, 2005 Brady Dougan Chief Executive Officer, Credit Suisse First Boston Member of the Executive Board, Credit Suisse Group DISCLAIMER
More informationDistribution of CHF 1.30 per share, free of Swiss withholding tax to be proposed for 2010
CREDIT SUISSE GROUP AG Paradeplatz 8 Telephone +41 844 33 88 44 P.O. Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland Media Release Credit Suisse Group reports 4Q10
More informationRegulatory disclosures Subsidiaries
Regulatory disclosures Subsidiaries 3Q17 For purposes of this report, unless the context otherwise requires, the terms Credit Suisse, the Group, we, us and our mean Credit Suisse Group AG and its consolidated
More informationSecond Quarter Results 2010
Zurich July 22, 2010 Cautionary statement Cautionary statement regarding forward-looking and non-gaap information This presentation contains forward-looking statements within the meaning of the Private
More informationRegulatory disclosures Subsidiaries
Regulatory disclosures Subsidiaries 4Q7 For purposes of this report, unless the context otherwise requires, the terms Credit Suisse, the Group, we, us and our mean Credit Suisse Group AG and its consolidated
More informationSwiss Alpine Summit Gstaad January 20, Renato Fassbind Chief Financial Officer Credit Suisse Group
Swiss Alpine Summit Gstaad January 20, 2005 Renato Fassbind Chief Financial Officer Credit Suisse Group DISCLAIMER Cautionary Statement regarding forward-looking information This presentation contains
More informationNon-collateralised Structured Products Addendum to the Base Listing Document dated 18 April 2017 relating to Structured Products to be issued by
ADDENDUM DATED 8 SEPTEMBER 2017 If you are in any doubt about any of the contents of this addendum, you should obtain independent professional advice. Hong Kong Exchanges and Clearing Limited, The Stock
More informationRegulatory disclosures Credit Suisse Group Credit Suisse (Bank) Credit Suisse (Bank) parent company Credit Suisse International
Regulatory disclosures Credit Suisse (Bank) Credit Suisse (Bank) parent company Credit Suisse International August 14, 2015 2Q15 Regulatory disclosures 2Q15 2 u Refer to Capital management and Liquidity
More informationInvestor Day UBS Investor Day. Sergio Ermotti Group Chief Executive Officer
Investor Day 2011 UBS Investor Day Sergio Ermotti Group Chief Executive Officer November 17, 2011 Cautionary statement regarding forward-looking statements This presentation contains statements that constitute
More informationGoldman Sachs European Financials Conference 2007
Goldman Sachs European Financials Conference 2007 Lisbon June 14, 2007 Renato Fassbind Chief Financial Officer Cautionary statement Cautionary statement regarding forward-looking and non-gaap information
More informationAgenda for the Extraordinary General Meeting of Shareholders on November 19, 2015
CREDIT SUISSE GROUP AG Paradeplatz 8 Tel. +41 844 33 88 44 P.O.Box Fax +41 44 333 88 77 CH-8070 Zurich media.relations@credit-suisse.com Switzerland This document is not for release, publication or distribution
More informationUBS Global Financial Services Conference New York, May 9, 2005
UBS Global Financial Services Conference New York, May 9, 2005 Brady Dougan Chief Executive Officer, Credit Suisse First Boston Member of the Executive Board, Credit Suisse Group DISCLAIMER Cautionary
More informationCredit Suisse s approach to TLAC-eligible debt
Credit Suisse s approach to TLAC-eligible debt Theis Wenke Credit Suisse Group Deputy Treasurer & Swiss CFO DZ BANK Veranstaltung Praxistag Bankanleihen Investieren in Zeiten der neuen Haftungskaskade
More informationPresentation at Bank of America Merrill Lynch Banking & Insurance Conference
Presentation at Bank of America Merrill Lynch Banking & Insurance Conference Brady W. Dougan, Chief Executive Officer Credit Suisse London, October 1, 2009 Cautionary statement Cautionary statement regarding
More informationBank of America Merrill Lynch The Future of Financials Conference. November 16, Citi Investor Relations
Citi Investor Relations Bank of America Merrill Lynch The Future of Financials Conference November 16, 2016 Jamie Forese President, Citigroup CEO, Institutional Clients Group Institutional Clients Group
More informationBank am Bellevue Bellevue meets Management Seminar Zurich, January 13, Walter Berchtold Chief Executive Officer Credit Suisse
Bank am Bellevue Bellevue meets Management Seminar Zurich, January 13, 2005 Walter Berchtold Chief Executive Officer Credit Suisse DISCLAIMER Cautionary Statement regarding forward-looking information
More informationCredit Suisse Group AG Credit Suisse AG Organizational Guidelines and Regulations
Credit Suisse Group AG Credit Suisse AG Organizational Guidelines and Regulations February 9, 2017 Valid as of February 9, 2017 Index ABBREVIATIONS AND DEFINITIONS PREAMBLE I INTRODUCTION 1 Scope and Content
More informationSponsor/Manager: CREDIT SUISSE (HONG KONG) LIMITED Key Terms
13 January 2016 Hong Kong Exchanges and Clearing Limited ( HKEx ), The Stock Exchange of Hong Kong Limited (the Stock Exchange ) and Hong Kong Securities Clearing Company Limited take no responsibility
More informationSecond Quarter Results 2009
Second Quarter Results 2009 Zurich July 23, 2009 Cautionary statement Cautionary statement regarding forward-looking and non-gaap information This presentation contains forward-looking statements within
More informationPresentation at the: Helvea Swiss Equities Conference 2010
Presentation at the: Helvea Swiss Equities Conference 2010 Renato Fassbind, Chief Financial Officer Credit Suisse Bad Ragaz, January 14, 2010 Cautionary statement Cautionary statement regarding forward-looking
More informationGoldman Sachs European Financials Conference Panel: Adapting the model: The originate and distribute model of the future
Goldman Sachs European Financials Conference Panel: Adapting the model: The originate and distribute model of the future Berlin, Germany June 12, 2008 David Mathers, Head of IB Finance Cautionary statement
More informationPrivate Banking Investor Day Americas. Anthony DeChellis, Head PB Americas. Zurich, September 22, 2009
Private Banking Investor Day 2009 Americas Anthony DeChellis, Head PB Americas Zurich, September 22, 2009 Cautionary statement Cautionary statement regarding forward-looking and non-gaap information This
More informationFourth Quarter and Full-Year Results 2009
Fourth Quarter and Full-Year Results 2009 Zurich Presentation to Investors and Analysts February 11, 2010 Cautionary statement Cautionary statement regarding forward-looking and non-gaap information This
More informationMedia release. UBS fourth quarter net profit attributable to shareholders of CHF 1.3 billion. Full year net profit of CHF 7.
UBS AG Media release Tel. +41-44-234 85 00 www.ubs.com UBS fourth quarter net profit attributable to shareholders of CHF 1.3 billion. Full year net profit of CHF 7.2 billion For 2010, net profit attributable
More informationMorgan Stanley conference. Tom Naratil Group Chief Financial Officer and Group Chief Operating Officer
Morgan Stanley conference Tom Naratil Group Chief Financial Officer and Group Chief Operating Officer March 24, 2015 Cautionary statement regarding forward-looking statements This presentation contains
More informationFourth-quarter net profit CHF 1 billion; ordinary dividend doubled
10 February 2015 News Release Fourth-quarter net profit CHF 1 billion; ordinary dividend doubled 2014 net profit attributable to shareholders up 13% to CHF 3.6 billion; diluted EPS CHF 0.94 Ordinary dividend
More informationYear-end results. 18 May
Year-end results 18 May Highlights for the year Strong operational performance Good performance across all areas of activity Deepened our core franchise Sound levels of corporate client and private client
More information