<SEC-DOCUMENT>0001370368-22-000094.txt : 20221115
<SEC-HEADER>0001370368-22-000094.hdr.sgml : 20221115
<ACCEPTANCE-DATETIME>20221115105629
ACCESSION NUMBER:		0001370368-22-000094
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20221115
FILED AS OF DATE:		20221115
DATE AS OF CHANGE:		20221115

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:		221389984

	BUSINESS ADDRESS:	
		STREET 1:		PARADEPLATZ 8
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8001
		BUSINESS PHONE:		1 919 994 1161

	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:		221389985

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>a221115-6k.htm
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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>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Washington, D.C. 20549</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">______________</div>
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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;">Form 6-K</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">______________</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">UNDER THE SECURITIES EXCHANGE ACT OF 1934</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="display: inline;">November 15, 2022</font><br>
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  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commission File Number 001-15244</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="font-size: 18pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">CREDIT SUISSE GROUP AG</div>
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  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(Translation of registrant&#8217;s name into English)</div>
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  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Paradeplatz 8, 8001 Zurich, Switzerland</div>
  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(Address of principal executive office)</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">______________</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commission File Number 001-33434</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="font-size: 18pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">CREDIT SUISSE AG</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(Translation of registrant&#8217;s name into English)</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Paradeplatz 8, 8001 Zurich, Switzerland</div>
  <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(Address of principal executive office)</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">______________</div>
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  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <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: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Form 20-F &#9746;</div>
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            <div style="text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Form 40-F &#9744;</div>
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  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Note</font>: Regulation S-T Rule 101(b)(1) only permits the submission in paper of a Form 6-K if
    submitted solely to provide an attached annual report to security holders.</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):</div>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Note: </font>Regulation S-T Rule 101(b)(7) only permits the submission in paper of a Form 6-K if
    submitted to furnish a report or other document that the registrant foreign private issuer must furnish and make public under the laws of the jurisdiction in which the registrant is incorporated, domiciled or legally organized (the registrant&#8217;s &#8220;home
    country&#8221;), or under the rules of the home country exchange on which the registrant&#8217;s securities are traded, as long as the report or other document is not a press release, is not required to be and has not been distributed to the registrant&#8217;s security
    holders, and, if discussing a material event, has already been the subject of a Form 6-K submission or other Commission filing on EDGAR.</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, 333-217856 and 333-268336), except for the sentence &#8220;Further information about Credit Suisse can be found at&#160;</font><font style="color: #0563C1;"><u>www.credit-suisse.com</u></font><font style="color: #000000;">.&#8221; Information 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: center"><br>
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        <div style="text-align: left; color: #000000; font-family: 'Credit Suisse Type Light', sans-serif; font-size: 12pt;"> <br>
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          <table cellspacing="0" cellpadding="0" id="zb0d180c6fea14424958a16a60ecee149" style="font-family: Arial; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                  <div style="color: rgb(0, 0, 0); font-size: 12pt;">Media release <br>
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                  <div style="text-align: right;">&#160;</div>
                  <div style="text-align: right;"><img width="245" height="33" src="image0.jpg"></div>
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                  <div style="color: #000000; font-family: 'Credit Suisse Type Light', sans-serif; font-size: 12pt;"> <br>
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                  <div style="color: #000000; font-family: 'Credit Suisse Type Light', sans-serif; font-size: 12pt;"> <br>
                  </div>
                  <div style="color: #000000; font-family: 'Credit Suisse Type Light', sans-serif; font-size: 12pt;">Ad hoc announcement pursuant to Art. 53 LR</div>
                  <div style="color: #000000; font-family: 'Credit Suisse Type Light', sans-serif; font-size: 12pt;"> <br>
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                  <div style="color: #000000; font-size: 14pt;">Credit Suisse accelerates radical restructuring of Investment Bank; Enters into definitive transaction agreements to sell a significant part of its
                    Securitized Products Group to Apollo</div>
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          <div style="text-align: left; margin-left: 78pt;"> <br>
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          <div style="text-align: left; margin-left: 78pt;">Zurich and New York, November 15, 2022 &#8211; <font style="font-weight: bold;">Credit Suisse accelerates the radical
              restructuring of its Investment Bank with the announcement that it has entered into definitive transaction agreements to sell a significant part of its Securitized Products Group (SPG) and other related financing businesses to Apollo Global
              Management (Apollo).</font><sup style="font-weight: bold; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup><font style="font-weight: bold;"> The execution of these agreements represents an important step towards a managed exit from the
              Securitized Products business, which is expected to significantly de-risk the Investment Bank and release capital to invest in Credit Suisse&#8217;s core businesses.</font></div>
          <div><br>
          </div>
          <div style="text-align: left; margin-left: 78pt;">As part of the transaction, Apollo has agreed to acquire a significant part of Credit Suisse&#8217;s SPG portfolio assets. This transaction, together with the
            contemplated sale of other portfolio assets to third-party investors, is expected to reduce SPG assets from USD 75 billion<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> to approximately USD 20 billion, through a series of transactions expected to be completed by mid-2023.</div>
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          <div style="text-align: left; margin-left: 78pt;">Completion of these transactions is expected to achieve a release of Risk Weighted Assets (RWAs) of up to approximately USD 10 billion, depending on the scope
            of assets ultimately transferred.<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> The approximately USD 20 billion of remaining assets, which will generate income to support the exit from the SPG business, will be managed by Apollo under an investment management relationship with
            an expected term of five years to be entered into at the first closing.</div>
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          </div>
          <div style="text-align: left; margin-left: 78pt;">Apollo is expected to hire the majority of the SPG team and will receive customary transitional services from Credit Suisse following the closing of the
            transaction in order to maintain a seamless experience for clients. Credit Suisse will also provide financing for a portion of the assets transferred to Apollo.</div>
          <div><br>
          </div>
          <div style="text-align: left; margin-left: 78pt;">Under the terms of the transactions contemplated with Apollo, Credit Suisse&#8217;s CET1 capital ratio is expected to be strengthened by the release of RWAs and the
            recognition, upon closing, of the premium paid by Apollo, whereby the final amount will depend on discount rates and other transaction-related factors.</div>
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          <div style="text-align: left; margin-left: 78pt;">Closing of the transaction is expected in the first half of 2023, subject to regulatory approvals, customer consents and other customary closing conditions.</div>
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          <div style="text-align: left; color: #000000;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>&#160;<font style="font-size: 8pt;">Refers to entities and funds managed by affiliates of Apollo Global Management</font></div>
          <div style="text-align: left; color: #000000;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup>&#160;<font style="font-size: 8pt;">As of September 30, 2022</font></div>
          <div style="text-align: left; color: #000000;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup>&#160;<font style="font-size: 8pt;">RWA release also dependent on risk-weight methodology</font></div>
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                <div style="text-align: right; color: #000000; font-size: 8pt;">November 15, 2022</div>
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                  <div style="color: #000000; font-size: 12pt;">Media release</div>
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                  <div style="color: rgb(0, 0, 0); font-weight: bold; margin-left: 18pt;">Contact details &#8211; Credit Suisse</div>
                  <div style="margin-left: 18pt;">&#160;</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;"><font style="font-weight: bold;">Kinner Lakhani</font>, Investor Relations, Credit Suisse</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Tel: +41 44 333 71 49</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Email: investor.relations@credit-suisse.com</div>
                  <div style="margin-left: 18pt;">&#160;</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;"><font style="font-weight: bold;">Dominik von Arx</font>, Corporate Communications, Credit
                    Suisse</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Tel: +41 844 33 88 44</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Email: <u>media.relations@credit-suisse.com</u></div>
                  <div style="margin-left: 18pt;">&#160;</div>
                  <div style="color: rgb(0, 0, 0); font-weight: bold; margin-left: 18pt;">Contact details &#8211; Apollo</div>
                  <div style="margin-left: 18pt;">&#160;</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;"><font style="font-weight: bold;">Noah Gunn</font>, Investor Relations, Apollo</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Tel: +1 212 822-0540</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Email: <u>IR@apollo.com</u></div>
                  <div style="margin-left: 18pt;">&#160;</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;"><font style="font-weight: bold;">Joanna Rose</font>, Media Relations, Apollo</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Tel: +1 212 822-0491</div>
                  <div style="color: rgb(0, 0, 0); margin-left: 18pt;">Email: <u>Communications@apollo.com</u></div>
                  <div style="margin-left: 81pt;">&#160;</div>
                </td>
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        </div>
        <div style="text-align: left;">
          <div><br>
          </div>
          <div style="margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Credit Suisse</div>
          <div style="margin-left: 77.95pt;"><font style="font-size: 8pt;">Credit Suisse is one of the world's leading financial services providers. The bank&#8217;s strategy builds on its core strengths: its position as a
              leading wealth manager, its specialist investment banking and asset management capabilities and its strong presence in its home market of Switzerland. Credit Suisse seeks 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. The bank
              employs more than 50,000 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 <font style="color: #000000;"><u>www.credit-suisse.com</u></font>.<br>
              </font><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 style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-indent: -8px;">&#9642; our plans, targets or goals; </div>
          <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-indent: -8px;">
            &#9642; our future economic performance or prospects; </div>
          <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-indent: -8px;">&#9642; the potential effect on our future performance of certain contingencies; and </div>
          <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-indent: -8px;">&#9642; assumptions underlying any such statements. </div>
        </div>
      </div>
      <div>
        <div><br>
        </div>
        <div style="text-align: left; 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 style="text-align: left; 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 style="text-align: left; margin-left: 78pt; font-size: 8pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability to maintain sufficient liquidity and access capital markets;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; market volatility, increases in inflation and interest rate fluctuations or developments affecting interest rate levels;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the 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;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the impact of social media speculation and unsubstantiated media reports about our business and its performance;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the extent of outflows of assets or future net new asset generation across our divisions;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; our ability to improve our risk management procedures and policies and hedging strategies;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; 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>
        <div><br>
        </div>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>
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            <tr>
              <td style="width: 50%; vertical-align: top;">
                <div style="color: #000000; font-size: 8pt;">Page 2</div>
              </td>
              <td style="width: 50%; vertical-align: top;">
                <div style="text-align: right; color: #000000; font-size: 8pt;">November 15, 2022</div>
              </td>
            </tr>

        </table>
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                  <tr>
                    <td style="width: 50%; vertical-align: bottom;">
                      <div style="color: #000000; font-size: 12pt;">Media release</div>
                    </td>
                    <td style="width: 50%; vertical-align: bottom;">&#160;
                      <div style="text-align: right;"><img width="245" height="33" src="image0.jpg"></div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
        </div>
        <div style="text-align: left; margin-left: 78pt; font-size: 8pt;"> <br>
        </div>
        <div style="text-align: left; margin-left: 78pt; font-size: 8pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; 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>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; 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>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the direct and indirect impacts of deterioration or slow recovery in residential and commercial real estate markets;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; adverse rating actions by credit rating agencies in respect of us, sovereign issuers, structured credit products or other
          creditrelated exposures;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; 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 goals and commitments to incorporate certain environmental, social and governance considerations
          into our business strategy, products, services and risk management processes;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; our ability to achieve our announced comprehensive new strategic direction for the Group and significant changes to its structure and
          organization;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; our ability to successfully implement the divestment of any non-core business;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the future level of any impairments and write-downs, including from the revaluation of deferred tax assets, resulting from disposals
          and the implementation of the proposed strategic initiatives;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability of counterparties to meet their obligations to us and the adequacy of our allowance for credit losses;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the effects of, and changes in, fiscal, monetary, exchange rate, trade and tax policies;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the effects of currency fluctuations, including the related impact on our business, financial condition and results of operations due
          to moves in foreign exchange rates;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; geopolitical and diplomatic tensions, instabilities and conflicts, including war, civil unrest, terrorist activity, sanctions or other
          geopolitical events or escalations of hostilities, such as Russia&#8217;s invasion of Ukraine;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; political, social and environmental developments, including climate change;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability to appropriately address social, environmental and sustainability concerns that may arise from our business activities;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the effects of, and the uncertainty arising from, the UK&#8217;s withdrawal from the EU;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the possibility of foreign exchange controls, expropriation, nationalization or confiscation of assets in countries in which we
          conduct our operations;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; operational factors such as systems failure, human error, or the failure to implement procedures properly;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; 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 large portions of our employees work remotely;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the adverse resolution of litigation, regulatory proceedings and other contingencies;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; actions taken by regulators with respect to our business and practices and possible resulting changes to our business organization,
          practices and policies in countries in which we conduct our operations;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the effects of changes in laws, regulations or accounting or tax standards, policies or practices in countries in which we conduct our
          operations;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the discontinuation of LIBOR and other interbank offered rates and the transition to alternative reference rates;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the potential effects of changes in our legal entity structure;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; competition or changes in our competitive position in geographic and business areas in which we conduct our operations;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability to retain and recruit qualified personnel;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability to protect our reputation and promote our brand;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the ability to increase market share and control expenses;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; technological changes instituted by us, our counterparties or competitors;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; the timely development and acceptance of our new products and services and the perceived overall value of these products and services
          by users;
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; acquisitions, including the ability to integrate acquired businesses successfully, and divestitures, including the ability to sell
          noncore assets; and
        </div>
        <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -8px;">&#9642; other unforeseen or unexpected events and our success at managing these and the risks involved in the foregoing. </div>
        <div style="text-align: left; margin-left: 78pt; font-size: 8pt;"> <br>
        </div>
        <div>
          <div style="text-align: left; 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 <font style="font-style: italic;">I&#160;&#8211; Information on the company </font>in our Annual Report
            2021 and in &#8220;Risk factor&#8221; in <font style="font-style: italic;">Credit Suisse results &#8211; Credit Suisse </font>in our 3Q22 Financial Report.</div>
        </div>
        <div><br>
        </div>
        <div style="text-align: left; margin-left: 78pt; font-size: 8pt; font-weight: bold;">Disclaimer</div>
        <div style="text-align: left; 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="text-align: left; margin-left: 78pt; font-size: 8pt;">Copyright &#169; 2022 Credit Suisse Group AG and/or its affiliates. All rights reserved.</div>
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                  <div style="color: #000000; font-size: 8pt;">Page 3</div>
                </td>
                <td style="width: 50%; vertical-align: top;">
                  <div style="text-align: right; color: #000000; font-size: 8pt;">November 15, 2022</div>
                </td>
              </tr>

          </table>
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      &#160;</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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        <table cellspacing="0" cellpadding="0" id="z16b69e9caf404f849100aa6f04e19717" style="FONT-SIZE: 10pt; FONT-FAMILY: arial; WIDTH: 100%">

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              <td valign="top" align="left" style="WIDTH: 3%">&#160;</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;">CREDIT SUISSE GROUP AG and CREDIT SUISSE AG</div>
              </td>
            </tr>
            <tr>
              <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/ Reto H&#246;sli</font></div>
              </td>
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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<br>
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            <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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              <td valign="top" align="left" style="WIDTH: 44%">&#160;</td>
              <td valign="top" style="WIDTH: 3%">&#160;</td>
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              <td valign="top" align="left" style="WIDTH: 44%">Date: November 15, 2022</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
