<SEC-DOCUMENT>0001370368-22-000065.txt : 20220727
<SEC-HEADER>0001370368-22-000065.hdr.sgml : 20220727
<ACCEPTANCE-DATETIME>20220727145123
ACCESSION NUMBER:		0001370368-22-000065
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220727
FILED AS OF DATE:		20220727
DATE AS OF CHANGE:		20220727

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CREDIT SUISSE GROUP AG
		CENTRAL INDEX KEY:			0001159510
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15244
		FILM NUMBER:		221110631

	BUSINESS ADDRESS:	
		STREET 1:		PARADEPLATZ 8
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8001
		BUSINESS PHONE:		01141442721616

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 1
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8070

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CREDIT SUISSE GROUP
		DATE OF NAME CHANGE:	20010921

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CREDIT SUISSE AG
		CENTRAL INDEX KEY:			0001053092
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33434
		FILM NUMBER:		221110632

	BUSINESS ADDRESS:	
		STREET 1:		PARADEPLATZ 8
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8001
		BUSINESS PHONE:		01141 44 333 1111

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 1
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8070

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CREDIT SUISSE / /FI
		DATE OF NAME CHANGE:	20050607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CREDIT SUISSE FIRST BOSTON /                            /FI
		DATE OF NAME CHANGE:	19980115
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  <div style="font-size: 12pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">UNITED STATES</div>
  <div style="font-size: 12pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">SECURITIES AND EXCHANGE COMMISSION</div>
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  <div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="display: inline;">July 27, 2022</font><br>
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  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>
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    <div style="text-align: left;"><font style="color: #000000;">This report on Form 6-K is being filed by Credit Suisse Group AG and Credit Suisse AG and is hereby incorporated by reference into the Registration Statement on Form F-3 (file no. 333-238458)
        and the Registration Statements on Form S-8 (file nos. 333-101259, 333-208152 and 333-217856), except for the quotes from the Chairman of the Board of Directors, the outgoing Group CEO and the new Group CEO, the paragraph containing the biography
        of the new Group CEO as well as the sentence &#8220;Further information about Credit Suisse can be f<font style="background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">ound at&#160;</font></font><u><font style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;">www.credit-suisse.com</font></u><font style="color: #000000;"><font style="background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">.&#8221; Informatio</font>n contained on our website or referenced in this report via
        website links is not incorporated by reference into this report.</font></div>
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                <div style="text-align: right;"><img src="logo.jpg"></div>
                <div style="color: #000000; font-size: 12pt;">Media release</div>
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        <div style="color: rgb(0, 0, 0); font-family: 'Credit Suisse Type Light',sans-serif;">Ad hoc announcement pursuant to Art. 53 LR</div>
        <div style="color: rgb(0, 0, 0); font-size: 14pt;">Credit Suisse appoints Ulrich K&#246;rner new Group Chief Executive Officer; announces comprehensive strategic review</div>
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      <div style="margin-left: 78pt;"> <br>
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      <div style="margin-left: 78pt;">Zurich, July 27, 2022 &#8211; <font style="font-weight: bold;">Credit Suisse Group AG (Credit Suisse) today announced the appointment of Ulrich K&#246;rner as Group Chief Executive Officer from August 1, 2022, replacing Thomas
          Gottstein, who is resigning. At the same time, the bank has announced that it is conducting a comprehensive strategic</font><font style="font-weight: bold;"> review with the following objectives:</font></div>
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                  <div style="margin: 0px 0px 0px 10px; color: #000000; text-indent: -10px;">&#8226; Consider alternatives that go beyond the conclusions of last year&#8217;s strategic review, particularly given the changed economic and market environment. The goal of
                    the appraisal will be to shape a more focused, agile Group with a significantly lower absolute cost base, capable of delivering sustainable returns for all stakeholders and first-class service to clients.</div>
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                <div style="margin: 0px 0px 0px 10px; color: #000000; text-indent: -10px;">&#8226; Strengthen its world-class global wealth management franchise, leading universal bank in Switzerland and multi-specialist asset management business.</div>
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                <div style="margin: 0px 0px 0px 10px; color: #000000; text-indent: -10px;">&#8226; Transform the Investment Bank into a capital-light, advisory-led Banking business and more focused Markets business that complements the growth of the wealth
                  management and Swiss Bank franchises.</div>
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                <div style="margin: 0px 0px 0px 10px; color: #000000; text-indent: -10px;">&#8226; Evaluate strategic options for the Securitized Products business, which may include attracting third-party capital into this market-leading, high-return platform,
                  to capture untapped growth opportunities and free up additional resources for the bank&#8217;s growth areas.</div>
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                <div style="margin: 0px 0px 0px 10px; color: #000000; text-indent: -10px;">&#8226; Reduce the Group&#8217;s absolute cost base to below CHF&#160;15.5&#160;bn in the medium term, in part through a company-wide digital transformation that prudently ensures durable
                  savings while remaining focused on improving risk management and risk culture.</div>
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      <div style="margin-left: 77.95pt;"><br>
      </div>
      <div style="margin-left: 77.95pt;">Credit Suisse will provide further details on the progress of the strategic review, including specific performance goals, with its third-quarter 2022 results.</div>
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      </div>
      <div style="margin-left: 77.95pt;"><font style="color: #000000;">Axel P. Lehmann, Chairman of Credit Suisse, said: &#8220;I am delighted to welcome Ueli as our new Group CEO, to oversee this comprehensive strategic review at a pivotal moment for Credit
          Suisse. With his profound industry knowledge and impressive track record, Ueli will drive our strategic and operational transformation, building on existing strengths and accelerating growth in key business areas. Since becoming Chairman and
          reviewing the bank&#8217;s portfolio with our newly refreshed Board of Directors, I have come to appreciate the world-class quality of our businesses. But we need to be more flexible to ensure they have the necessary resources to compete. Our goal must
          be to become a stronger, simpler and more efficient Group with more sustainable returns. I would like to thank </font>Thomas for his commitment to Credit Suisse over more than two decades and in particular as Group CEO. He has made an enormous
        contribution to Credit Suisse and always served our clients in Switzerland and beyond with integrity and entrepreneurial spirit. I wish him all the best in his future endeavors.<font style="color: #000000;">&#8221;</font></div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt;">Thomas Gottstein, outgoing CEO of Credit Suisse, said: &#8220;It has been an absolute privilege and honor to serve Credit Suisse over these past 23 years. Credit Suisse has formidable client franchises in all four
        divisions globally and an immense talent pool across more than 50,000 colleagues worldwide. Despite the challenges of the past two years, I am immensely proud of our achievements since joining the Executive Board seven years ago and more recently
        in strengthening the bank, recruiting a top-caliber Executive Board, reducing risk and fundamentally improving our risk culture. In recent weeks, for personal and health-related considerations, and after discussions with Axel and my family, I
        concluded that now would be the right time to step aside and clear the way for new leadership to fully embrace the important initiatives announced this morning, which I wholeheartedly support.&#8221; </div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt;">Ulrich K&#246;rner, new CEO of Credit Suisse, said: &#8220;I thank the Board of Directors for the trust they have placed in me as we embark on this fundamental transformation. I am looking forward to working with all
        colleagues across the bank and the Executive Board and devoting my full energy to execute on our transformation. This is a challenging undertaking but at the same time represents a great opportunity to position the bank for a successful future and
        realize its full potential. I would also like to thank Thomas wholeheartedly for his support and partnership.&#8221;</div>
      <div style="margin-left: 77.95pt;"> <br>
      </div>
      <div> <br>
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          <div>Page <font id="DSPFPageNumber">1</font></div>
          <div style="text-align: right;">July 27, 2022<br>
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                  <div style="text-align: right;"><img src="logo.jpg"></div>
                  <div style="color: #000000; font-size: 12pt;">Media release</div>
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      <div style="margin-left: 77.95pt;"> <br>
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      </div>
      <div style="margin-left: 77.95pt;">Ulrich K&#246;rner joined Credit Suisse April 1, 2021, as CEO Asset Management. He joined from UBS where he served as member of the group executive board for eleven years, of which six years leading the Asset Management
        division. Prior to this role he served as Chief Operating Officer. From 2011 he additionally headed the region Europe, Middle East and Africa for UBS. Before joining UBS, he was an executive at Credit Suisse and held various roles, including Chief
        Financial Officer and Chief Operating Officer of Credit Suisse Financial Services and CEO Switzerland. Ulrich K&#246;rner holds a PhD in Business Administration from the University of St. Gallen (HSG).</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000; font-weight: bold;">Extend leadership positions in wealth management and universal banking in Switzerland</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">Credit Suisse&#8217;s roots lie in its strong global wealth management, universal banking in Switzerland and asset management franchises. The priority of the strategic review will be to enhance these
        positions, while considering options for fundamentally reshaping the Investment Bank into a highly competitive Banking and more sustainable Markets business that complements Wealth Management and the Swiss Bank.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt;"><font style="color: #000000;">In Wealth Management, Credit Suisse will aim to extend its leadership positions across Switzerland, </font>EMEA, parts of the Americas and <font style="color: #000000;">APAC
          leveraging its strengths in the Ultra&#160;High&#160;Net&#160;Worth sector while accelerating Core&#160;High&#160;Net&#160;Worth growth to drive recurring revenues, supported by a unified global platform. The bank&#8217;s leadership position in Switzerland will be further enhanced
          by building on &#8216;high-touch&#8217; capabilities across wealth management, corporate and institutional clients and accelerating &#8216;high-tech&#8217; activities through the CSX proposition.</font></div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000; font-weight: bold;">Strategic review of the Investment Bank; evaluation of strategic options for Securitized Products</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">Credit Suisse&#8217;s Board of Directors and senior management believe that a core requirement of the strategic review will be to create a capital-light, advisory-led Banking business and more focused
        Markets business that complements the growth of the wealth management and Swiss Bank franchises that can better support its strategic goals, continue to provide superior service to clients and deliver more consistent performance. The bank will
        conduct an evaluation of strategic options to drive the next leg of growth for our market-leading Securitized Products platform and other related financing businesses. This highly profitable global franchise, which employs USD&#160;~20&#160;bn of RWA and
        USD&#160;~75&#160;bn of Leverage, has significant untapped growth opportunities which may be best unlocked by attracting third-party capital, which would also free up additional resources to allocate to Credit Suisse&#8217;s growth areas. Credit Suisse remains
        fully committed to supporting our Securitized Products clients.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">The Investment Bank&#8217;s leadership will be strengthened by the appointment of David Miller and Michael Ebert as Co-heads, overseeing Banking and Markets, respectively. Christian Meissner, CEO of the
        Investment Bank, will focus on the ongoing strategic transformation of the business.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">The development and implementation of the new strategy will be overseen by the full Board of Directors and supported by a Board led ad-hoc Investment Bank Strategy Committee, with Michael Klein as
        Chair and also including Mirko Bianchi, Richard Meddings and Blythe Masters.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000; font-weight: bold;">Reduce absolute cost base to below CHF&#160;15.5&#160;bn; Continue to drive risk management culture</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">Credit Suisse&#8217;s Board of Directors and Executive Board have initiated a program to reduce the Group&#8217;s absolute cost base to below CHF&#160;15.5&#160;bn in the medium term given the more challenging economic
        and market environment. This builds on commitments made at the June Investor Deep Dive to deliver significant savings in the Technology and Operations function to improve scalability and ensure the long-term sustainability of these efficiencies,
        while continuing the digital transformation and improving the Group&#8217;s sound risk culture.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; color: #000000;">Axel P. Lehmann, Chairman of Credit Suisse, said: &#8220;With this deep strategic review we are setting clear priorities for the future of the firm. We want to create lasting values by serving our clients
        with care, dedication and entrepreneurial spirit. As we move ahead with our strategic review, our transformation and cultural change will restore Credit Suisse to its premium position as the bank for entrepreneurs in global finance.&#8221;</div>
      <div style="margin-left: 77.95pt; color: #000000;"> <br>
      </div>
      <div style="color: #000000;"> <br>
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                  <div style="text-align: right;"><img src="logo.jpg"></div>
                  <div style="color: #000000; font-size: 12pt;">Media release</div>
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                </td>
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              <div style="color: #000000; font-weight: bold;">Contact details</div>
              <div>&#160;</div>
              <div style="color: #000000;"><font style="font-weight: bold;">Kinner Lakhani</font>, Investor Relations, Credit Suisse</div>
              <div style="color: #000000;">Tel: +41 44 333 71 49</div>
              <div style="color: #000000;">Email: investor.relations@credit-suisse.com</div>
              <div>&#160;</div>
              <div style="color: #000000;"><font style="font-weight: bold;">Dominik von Arx</font>, Corporate Communications, Credit Suisse</div>
              <div style="color: #000000;">Tel: +41 844 33 88 44</div>
              <div style="color: #000000;">Email: media.relations@credit-suisse.com</div>
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      <div><br>
      </div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Credit Suisse</div>
      <div style="margin-left: 78pt;"><font style="font-size: 8pt;">Credit Suisse is one of the world's leading financial services providers. Our strategy builds on Credit Suisse's core strengths: its position as a leading wealth manager, its specialist
          investment banking capabilities and its strong presence in our home market of Switzerland. We 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, while also serving key developed markets with an emphasis on Switzerland. Credit Suisse employs approximately 51,030 people. The registered shares (CSGN) of Credit Suisse
          Group AG, are listed in Switzerland and, in the form of American Depositary Shares (CS), in New York. Further information about Credit Suisse can be found at www.credit-suisse.com.<br>
        </font><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Important Information</div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">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 (including macroeconomic and
        other challenges and uncertainties, for example, resulting from Russia&#8217;s invasion of Ukraine), 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.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">In particular, the terms &#8220;Estimate&#8221;, &#8220;Illustrative&#8221;, &#8220;Ambition&#8221;, &#8220;Objective&#8221;, &#8220;Outlook&#8221;, &#8220;Goal&#8221;, &#8220;Commitment&#8221; and &#8220;Aspiration&#8221; are not intended to be viewed as targets or projections, nor are they
        considered to be Key Performance Indicators. All such estimates, illustrations, ambitions, objectives, outlooks, goals, commitments and aspirations are subject to a large number of inherent risks, assumptions and uncertainties, many of which are
        completely outside of our control. These risks, assumptions and uncertainties include, but are not limited to, general market conditions, market volatility, increased inflation, interest rate volatility and levels, global and regional economic
        conditions, challenges and uncertainties resulting from Russia&#8217;s invasion of Ukraine, political uncertainty, changes in tax policies, scientific or technological developments, evolving sustainability strategies, changes in the nature or scope of
        our operations, changes in carbon markets, regulatory changes, changes in levels of client activity as a result of any of the foregoing and other factors. Accordingly, these statements, which speak only as of the date made, are not guarantees of
        future performance and should not be relied on for any purpose. We do not intend to update these estimates, illustrations, ambitions, objectives, outlooks, goals, commitments, aspirations or any other forward-looking statements. For these reasons,
        we caution you not to place undue reliance upon any forward-looking statements.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">In preparing this document, management has made estimates and assumptions that affect the numbers presented. Actual results may differ. Annualized numbers do not take into account variations in
        operating results, seasonality and other factors and may not be indicative of actual, full-year results. Figures throughout this document may also be subject to rounding adjustments. All opinions and views constitute good faith judgments as of the
        date of writing without regard to the date on which the reader may receive or access the information. This information is subject to change at any time without notice and we do not intend to update this information.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">Our estimates, ambitions, objectives and targets often include metrics that are non-GAAP financial measures and are unaudited. A reconciliation of the estimates, ambitions, objectives and targets to
        the nearest GAAP measures is unavailable without unreasonable efforts. Adjusted results exclude goodwill impairment, major litigation provisions, real estate gains and other revenue and expense items included in our reported results, all of which
        are unavailable on a prospective basis. Such estimates, ambitions, objectives and targets are calculated in a manner that is consistent with the accounting policies applied by us in preparing our financial statements.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">Our absolute cost base ambition is measured using adjusted operating expenses at constant 2021 FX rates.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">As the strategy review and eventual implementation progresses, restructuring costs relating to asset impairments and liability valuations may arise in connection with any business activities we may
        exit or curtail and their related infrastructure.</div>
      <div style="margin-left: 77.95pt; font-size: 8pt;"> <br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">Investors and others should note that we announce important company information (including quarterly earnings releases and financial reports as well as our annual sustainability report) to the
        investing public using press releases, SEC and Swiss ad hoc filings, our website and public conference calls and webcasts. We also routinely use our Twitter account @creditsuisse (https://twitter.com/creditsuisse), our LinkedIn account
        (https://www.linkedin.com/company/credit-suisse/), our Instagram accounts </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;"> <br>
      </div>
      <div style="font-size: 8pt;"> <br>
      </div>
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                <td style="width: 100%; vertical-align: bottom;">
                  <div style="text-align: right;"><img src="logo.jpg"></div>
                  <div style="color: #000000; font-size: 12pt;">Media release</div>
                </td>
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      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">(https://www.instagram.com/creditsuisse_careers/ and https://www.instagram.com/creditsuisse_ch/), our Facebook account (https://www.facebook.com/creditsuisse/) and other social media channels as
        additional means to disclose public information, including to excerpt key messages from our public disclosures. We may share or retweet such messages through certain of our regional accounts, including through Twitter at @csschweiz
        (https://twitter.com/csschweiz) and @csapac (https://twitter.com/csapac). Investors and others should take care to consider such abbreviated messages in the context of the disclosures from which they are excerpted. The information we post on these
        social media accounts is not a part of this document.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">Information referenced in this document, whether via website links or otherwise, is not incorporated into this document.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt;">The English language version of this document is the controlling version.</div>
      <div><br>
      </div>
      <div style="margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Cautionary statement regarding forward-looking information</div>
      <div style="margin-left: 78pt; font-size: 8pt;">This document contains statements that constitute forward-looking statements. In addition, in the future we, and others on our behalf, may make statements that constitute forward-looking statements.
        Such forward-looking statements may include, without limitation, statements relating to the following:</div>
      <div>
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                <div>
                  <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; our plans, targets or goals;</div>
                </div>
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        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="ze031bce2c3674a8f8ba276e706af453c" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; our future economic performance or prospects;</div>
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      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z654bb1bfc9f04f2eb550bd4b9d8f6790" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the potential effect on our future performance of certain contingencies; and</div>
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      <div>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; assumptions underlying any such statements.</div>
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      </div>
      <div><br>
      </div>
      <div style="margin-left: 78pt; font-size: 8pt;">Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;intends&#8221; and &#8220;plans&#8221; and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such
        statements. We do not intend to update these forward-looking statements.</div>
      <div><br>
      </div>
      <div style="margin-left: 78pt; font-size: 8pt;">By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks exist that predictions, forecasts, projections and other outcomes
        described or implied in forward-looking statements will not be achieved. We caution you that a number of important factors could cause results to differ materially from the plans, targets, goals, expectations, estimates and intentions expressed in
        such forward-looking statements . These factors include, but are not limited to:</div>
      <div>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the ability to maintain sufficient liquidity and access capital markets;</div>
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      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zeda33560efee414a97c34b4c9663d9b2" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; market volatility, increases in inflation and interest rate fluctuations or developments affecting interest rate levels;</div>
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      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z979cb8073f20464eaaa5b9f063f96e4a" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: auto; vertical-align: top;">
                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;"><font style="font-size: 8pt;">&#8226; t</font><font style="font-size: 8pt;">he ongoing significant negative consequences, including reputational harm, of the Archegos and
                    supply chain finance funds matters, as well as other recent events, and our ability to successfully resolve these matters;</font></div>
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      <div>
        <table cellspacing="0" cellpadding="0" id="z9f2a185aace6498b8ce1f3a52507c214" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; our ability to improve our risk management procedures and policies and hedging strategies;</div>
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      <div>
        <table cellspacing="0" cellpadding="0" id="z468cf966bb4942618e522ffad2af0a36" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the strength of the global economy in general and the strength of the economies of the countries in which we conduct our operations, in particular, but not limited
                  to, the risk of negative impacts of COVID-19 on the global economy and financial markets, Russia&#8217;s invasion of Ukraine, the resulting sanctions from the US, EU, UK, Switzerland and other countries and the risk of continued slow economic
                  recovery or downturn in the EU, the US or other developed countries or in emerging markets in 2022 and beyond;</div>
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        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z1c4580e3923242998b99e154ca1fed23" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the emergence of widespread health emergencies, infectious diseases or pandemics, such as COVID-19, and the actions that may be taken by governmental authorities to
                  contain the outbreak or to counter its impact;</div>
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      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z96b53c5ab1b84d4f888598355d1f3e89" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; potential risks and uncertainties relating to the severity of impacts from COVID-19 and the duration of the pandemic, including potential material adverse effects on
                  our business, financial condition and results of operations;</div>
              </td>
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        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z12a27c5728314be0bb45fa556c5fb228" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the direct and indirect impacts of deterioration or slow recovery in residential and commercial real estate markets;</div>
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      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z25f7c5e907aa4e28bd1d46bf5a837907" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; adverse rating actions by credit rating agencies in respect of us, sovereign issuers, structured credit products or other credit-related exposures;</div>
              </td>
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        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z029ca56e2cf64a23823f26481b60e96b" class="DSPFListTable" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: auto; vertical-align: top; font-size: 8pt;">
                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the ability to achieve our strategic initiatives, including those related to our targets, ambitions and goals, such as our financial ambitions as well as various
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                  <div style="margin: 0px 0px 0px 0px; color: #000000;">&#8226; the effects of, and the uncertainty arising from, the UK&#8217;s withdrawal from the EU;</div>
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              </td>
            </tr>

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          <div> </div>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the possibility of foreign exchange controls, expropriation, nationalization or confiscation of assets in countries in which we conduct our operations;</div>
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            </tr>

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              </td>
            </tr>

        </table>
      </div>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the risk of cyber attacks, information or security breaches or technology failures on our reputation, business or operations, the risk of which is increased while
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              </td>
            </tr>

        </table>
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            <tr>
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              </td>
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            <div>Page <font id="DSPFPageNumber">4</font></div>
            <div style="text-align: right;">July 27, 2022<br>
            </div>
          </div>
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                <tr>
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                    <div style="text-align: right;"><img src="logo.jpg"></div>
                    <div style="color: #000000; font-size: 12pt;">Media release</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 100%; vertical-align: bottom;"><br>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div> <br>
        </div>
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      <div>
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            <tr>
              <td style="width: 114pt; vertical-align: top; align: right;"><br>
              </td>
              <td style="width: auto; vertical-align: top; font-size: 8pt;">
                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; actions taken by regulators with respect to our business and practices and possible resulting changes to our business organization, practices and policies in
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            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 114pt; vertical-align: top; align: right;"><br>
              </td>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the effects of changes in laws, regulations or accounting or tax standards, policies or practices in countries in which we conduct our operations;</div>
              </td>
            </tr>

        </table>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the discontinuation of LIBOR and other interbank offered rates and the transition to alternative reference rates;</div>
              </td>
            </tr>

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            <tr>
              <td style="width: 114pt; vertical-align: top; align: right;"><br>
              </td>
              <td style="width: auto; vertical-align: top; font-size: 8pt;">
                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the potential effects of changes in our legal entity structure;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 114pt; vertical-align: top; align: right;"><br>
              </td>
              <td style="width: auto; vertical-align: top; font-size: 8pt;">
                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; competition or changes in our competitive position in geographic and business areas in which we conduct our operations;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
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              </td>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the ability to retain and recruit qualified personnel;</div>
              </td>
            </tr>

        </table>
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      <div>
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            <tr>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the ability to protect our reputation and promote our brand;</div>
              </td>
            </tr>

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the ability to increase market share and control expenses;</div>
              </td>
            </tr>

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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; technological changes instituted by us, our counterparties or competitors;</div>
              </td>
            </tr>

        </table>
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            <tr>
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                <div><br>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; the timely development and acceptance of our new products and services and the perceived overall value of these products and services by users;</div>
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            </tr>

        </table>
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            <tr>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; acquisitions, including the ability to integrate acquired businesses successfully, and divestitures, including the ability to sell non-core assets; and</div>
              </td>
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                <div style="margin: 0px 0px 0px 8px; color: #000000; text-indent: -8px;">&#8226; other unforeseen or unexpected events and our success at managing these and the risks involved in the foregoing.</div>
              </td>
            </tr>

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      <div><br>
      </div>
      <div style="margin-left: 78pt; font-size: 8pt;">We caution you that the foregoing list of important factors is not exclusive. When evaluating forward-looking statements, you should carefully consider the foregoing factors and other uncertainties and
        events, including the information set forth in &#8220;Risk factors&#8221; in I &#8211; Information on the company in our Annual Report 2021.</div>
      <div><br>
      </div>
      <div style="margin-left: 78pt; font-size: 8pt; font-weight: bold;">Disclaimer</div>
      <div style="margin-left: 78pt; font-size: 8pt;">This document was produced by and the opinions expressed are those of Credit Suisse as of the date of writing and are subject to change. It has been prepared solely for information purposes and for the
        use of the recipient. It does not constitute an offer or an invitation by or on behalf of Credit Suisse to any person to buy or sell any security. Any reference to past performance is not necessarily a guide to the future. The information and
        analysis contained in this publication have been compiled or arrived at from sources believed to be reliable but Credit Suisse does not make any representation as to their accuracy or completeness and does not accept liability for any loss arising
        from the use hereof.</div>
      <div><br>
      </div>
      <div style="margin-left: 78pt; font-size: 8pt;">Copyright &#169; 2022 Credit Suisse Group AG and/or its affiliates. All rights reserved.</div>
      <div style="margin-left: 78pt; font-size: 8pt;"><br>
        <div><br>
        </div>
        <br>
      </div>
      <div id="DSPFPageFooter" style="width: 100%;">
        <div>Page <font id="DSPFPageNumber">5</font></div>
        <div style="text-align: right;">July 27, 2022<br>
        </div>
      </div>
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    <div style="TEXT-ALIGN: center"> <br>
    </div>
    <div style="TEXT-ALIGN: center"><u>SIGNATURES</u></div>
    <div style="TEXT-ALIGN: center">
      <div style="display: block; text-indent: 0pt;">&#160;</div>
      <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrants have duly caused this report to be signed on their behalf by
        the undersigned, thereunto duly authorized.</div>
      <div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">CREDIT SUISSE GROUP AG and CREDIT SUISSE AG</div>
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              <td valign="top" align="left" style="WIDTH: 44%">&#160;</td>
              <td valign="top" align="left" style="WIDTH: 3%">&#160;</td>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(Registrants)</div>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">By:</div>
              </td>
              <td valign="top" align="left" style="WIDTH: 53%">
                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="DISPLAY: inline">/s/</font> Reto H&#246;sli</div>
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              <td valign="top" align="left" style="WIDTH: 3%">&#160;</td>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Reto H&#246;sli</div>
              </td>
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              <td valign="top" style="WIDTH: 44%">&#160;</td>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Director</div>
              </td>
            </tr>
            <tr>
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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"></div>
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            </tr>
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              <td valign="top" align="left" style="WIDTH: 44%">&#160;</td>
              <td valign="top" style="WIDTH: 3%">&#160;</td>
              <td valign="top" align="left" style="WIDTH: 53%">&#160;</td>
            </tr>
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            </tr>
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              <td valign="top" align="left" style="WIDTH: 44%">Date: July 27, 2022<br>
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              <td valign="top" align="left" style="width: 53%;">Vice President</td>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
