<SEC-DOCUMENT>0001370368-22-000096.txt : 20221123
<SEC-HEADER>0001370368-22-000096.hdr.sgml : 20221123
<ACCEPTANCE-DATETIME>20221123151601
ACCESSION NUMBER:		0001370368-22-000096
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20221123
FILED AS OF DATE:		20221123
DATE AS OF CHANGE:		20221123

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:		221415818

	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:		221415819

	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>
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  <div>&#160;</div>
  <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>
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  <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>
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  <div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="display: inline;">November 23, 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>
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  <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;">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="font-size: 18pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">CREDIT SUISSE 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>
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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: 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;"> <br>
    </div>
    <div style="text-align: left;">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 <font style="color: #0563C1;"><u>www.credit-suisse.com</u></font>.&#8221; Information
      contained on our website or referenced in this report via website links is not incorporated by reference into this report.</div>
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                <div style="color: #000000; font-size: 12pt;">Media release</div>
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      <div style="margin: 0px 0px 5pt; text-align: left;"><font style="font-weight: normal;"> </font><font style="font-weight: bold;"><font style="font-weight: normal;"> Ad hoc
            announcement pursuant to Art. 53 LR</font><br>
        </font></div>
      <div style="text-align: left;"><font style="font-weight: bold;"><font style="font-weight: normal; font-size: 20pt;">Credit Suisse provides market with updated outlook for the
            fourth quarter of 2022</font></font></div>
      <div style="text-align: left; margin-left: 78pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="text-align: left; margin-left: 78pt;">Zurich, November 23, 2022 &#8211; <font style="font-weight: bold;">Credit Suisse Group AG (Credit Suisse) has commenced rapid
          implementation of actions to create the new Credit Suisse, consistent with the strategic plans detailed on October 27, 2022. These decisive measures are expected to result in a radical restructuring of the Investment Bank, an accelerated cost
          transformation, and strengthened and reallocated capital, each of which are progressing at pace. The bank today is informing the market on its updated outlook for the fourth quarter of 2022 and as part of its equity raise process.</font></div>
      <div style="text-align: left; margin-left: 78pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="text-align: left; margin-left: 78pt;">In its Outlook statement on October 27, 2022, the bank highlighted that the challenging economic and market environment has had an adverse impact on client
        activity across its divisions. In particular, the Investment Bank has been impacted by the substantial industry-wide slowdown in capital markets and reduced activity in the Sales &amp; Trading businesses, exacerbating normal seasonal declines, and
        the Group&#8217;s relative underperformance. In addition, client activity remains subdued in the Wealth Management and Swiss Bank divisions, and the bank expects these market conditions to continue in the coming months.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">As previously disclosed, Credit Suisse began experiencing deposit and net asset outflows in the first two weeks of October 2022 at levels that substantially
        exceeded the rates incurred in the third quarter of 2022. At the Group level, as of November 11, 2022, net asset outflows were approximately 6% of assets under management at the end of the third quarter of 2022. In Wealth Management, these outflows
        have reduced substantially from the elevated levels of the first two weeks of October 2022 although have not yet reversed and were approximately 10% of assets under management at the end of the third quarter of 2022. In the Swiss Bank, these client
        balances have stabilized and were approximately 1% of assets under management at the end of the third quarter of 2022.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">As announced on October 27, 2022, these outflows have led the bank to partially utilize liquidity buffers at the Group and legal entity level, and while the bank
        has fallen below certain legal entity-level regulatory requirements, the core requirements of the liquidity coverage ratio (LCR) and the net stable funding ratio (NSFR) at the Group level have been maintained at all times. The Group&#8217;s average daily
        LCR for the fourth quarter to-date (as of November 18, 2022) was 140%, with spot rates broadly stabilizing between ~120% to ~130% since the October 27, 2022 results announcement.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">Credit Suisse is executing on its strategic commitments to strengthen its balance sheet and reduce risk, engaging clients proactively and accessing the public and
        private markets, including the recent issuance of approximately USD 5 billion through two bond sales, which saw strong investor demand. Key steps taken include the recently announced sale of a significant part of Credit Suisse&#8217;s Securitized
        Products Group (SPG) and other related financing businesses to Apollo Global Management<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>, which 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&#160;20&#160;billion by mid-2023. These actions and other deleveraging measures including, but not limited to, in the non-core businesses, are expected to strengthen liquidity ratios and reduce the funding requirements of the Group.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">The bank is also making strides in reducing the Group&#8217;s cost base<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> by 15%, or CHF ~2.5 billion, in 2025, including through a targeted reduction of CHF
        ~1.2 billion for 2023. Actions to reduce headcount by 5% have been initiated, with reductions to other non-compensation related costs currently underway. As previously announced on October 27, 2022, the bank would expect to incur restructuring
        charges, software and real estate impairments of CHF ~250 million as part of the cost of this strategic transformation in the fourth quarter 2022.</div>
      <div style="text-align: left; margin-left: 78pt;"> <br>
      </div>
      <div style="text-align: left;"><br>
        <br>
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        <div style="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="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="color: #000000;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup>&#160;<font style="font-size: 8pt;">The bank&#8217;s cost base is measured using adjusted operating expenses at constant FX rates and on
            constant perimeter, before impact of Securitized Products &amp; other divestments.</font></div>
        &#160; </div>
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                    <div style="text-align: right; color: #000000; font-size: 8pt;">November 23, 2022</div>
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                  <div style="color: #000000; font-size: 12pt;">Media release</div>
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      <div style="text-align: left; margin-left: 78pt;"> <br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">Strategic actions taken to significantly reduce the Group&#8217;s risk profile are expected to be reflected in near-term financial results. Consistent with its announced
        divestment strategy, the bank disposed of its shareholding in Allfunds Group plc, and expects to record a CHF ~75 million loss related to the sale. Lower deposits and assets under management are expected to lead to reduced net interest income and
        recurring commissions and fees; this is likely to lead to a loss for Wealth Management in the fourth quarter of 2022. Together with the adverse revenue impact from the previously disclosed exit from the non-core businesses and exposures, and as
        previously announced on October 27, 2022, Credit Suisse would expect the Investment Bank and the Group to report a substantial loss before taxes in the fourth quarter 2022, of up to CHF ~1.5 billion for the Group. The Group&#8217;s actual results will
        depend on a number of factors including the Investment Bank&#8217;s performance for the remainder of the quarter, the continued exit of non-core positions, any goodwill impairments, and the outcome of certain other actions, including potential real
        estate sales. The Group confirms the capital ratio guidance communicated on October 27, 2022. The Group is targeting a 2025 pre-Basel III reform CET1 ratio of more than 13.5%, while expecting to maintain a pre-Basel III reform CET1 ratio of at
        least 13% throughout the transformation period in 2023 through 2025.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt;">The Group continues to execute on the decisive strategic actions detailed on October 27, 2022, to create a simpler, more focused and more stable bank &#8211; a new
        Credit Suisse.</div>
      <div><br>
      </div>
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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>
            </td>
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      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Credit Suisse</div>
      <div style="text-align: left; margin-left: 77.95pt; 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>.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Important Information</div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt;">This document contains certain unaudited interim financial information for the fourth quarter of 2022. This information has been derived from management
        accounts, is preliminary in nature, does not reflect the complete results of the fourth quarter of 2022 and is subject to change, including as a result of any normal quarterly adjustments in relation to the financial statements. This information
        has not been subject to any review by our independent registered public accounting firm. There can be no assurance that the final results for these periods will not differ from these preliminary results, and any such differences could be material.
        Quarterly financial results for the fourth quarter of 2022 will be included in our 4Q22 Earnings Release. These interim results of operations are not necessarily indicative of the results to be achieved for the remainder of or the full fourth
        quarter of 2022.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt;">We may not achieve all of the expected benefits of our strategic initiatives, such as in relation to intended reshaping of the bank, cost reductions and
        strengthening and reallocating capital. 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), customer reaction to our proposed initiatives, enhanced risks to our businesses during the contemplated transitions, 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. Our ability to implement our strategy objectives could also be impacted by timing risks, obtaining all required approvals and other factors.</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;">Cautionary statement regarding forward-looking information</div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;"> <br>
      </div>
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                    <div style="text-align: right; color: #000000; font-size: 8pt;">November 23, 2022</div>
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                  <div style="color: #000000; font-size: 12pt;">Media release</div>
                </td>
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                </td>
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          <div><br>
          </div>
          <div><br>
          </div>
        </div>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;"> <br>
      </div>
      <div style="text-align: left; margin-left: 77.95pt; font-size: 8pt; font-weight: bold;"> <br>
      </div>
      <div style="text-align: left; 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="text-align: left; margin-left: 78pt; font-size: 8pt;">
        <div style="color: rgb(0, 0, 0);">&#9642; our plans, targets or goals; <br>
          &#9642; our future economic performance or prospects; <br>
          &#9642; the potential effect on our future performance of certain contingencies; and <br>
          &#9642; assumptions underlying any such statements. <br>
        </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;">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: -5pt;">&#9642; the ability to maintain sufficient liquidity and access capital markets;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; market volatility, increases in inflation and interest rate fluctuations or developments affecting interest rate levels;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the impact of social media speculation and unsubstantiated media reports about our business and its performance;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the extent of outflows of assets or future net new asset generation across our divisions;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; our ability to improve our risk management procedures and policies and hedging strategies;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the direct and indirect impacts of deterioration or slow recovery in residential and commercial real estate markets;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; adverse rating actions by credit rating agencies in respect of us, sovereign issuers, structured credit products or other credit-related
        exposures;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; our ability to achieve our announced comprehensive new strategic direction for the Group and significant changes to its structure and&#160;
        organization;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; our ability to successfully implement the divestment of any non-core business;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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&#8217;;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the ability of counterparties to meet their obligations to us and the adequacy of our allowance for credit losses;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the effects of, and changes in, fiscal, monetary, exchange rate, trade and tax policies;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; political, social and environmental developments, including climate change;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the ability to appropriately address social, environmental and sustainability concerns that may arise from our business activities;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the effects of, and the uncertainty arising from, the UK&#8217;s withdrawal from the EU;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the possibility of foreign exchange controls, expropriation, nationalization or confiscation of assets in countries in which we conduct
        our operations;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; operational factors such as systems failure, human error, or the failure to implement procedures properly;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the adverse resolution of litigation, regulatory proceedings and other contingencies;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#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;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the effects of changes in laws, regulations or accounting or tax standards, policies or practices in countries in which we conduct our
        operations;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the discontinuation of LIBOR and other interbank offered rates and the transition to alternative reference rates;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the potential effects of changes in our legal entity structure;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; competition or changes in our competitive position in geographic and business areas in which we conduct our operations;<br>
        <br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;"> <br>
      </div>
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                    <div style="text-align: right; color: #000000; font-size: 8pt;">November 23, 2022</div>
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      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;"> &#9642; the ability to retain and recruit qualified personnel;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the ability to protect our reputation and promote our brand;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the ability to increase market share and control expenses;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; technological changes instituted by us, our counterparties or competitors;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; the timely development and acceptance of our new products and services and the perceived overall value of these products and services by
        users;<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; acquisitions, including the ability to integrate acquired businesses successfully, and divestitures, including the ability to sell
        non-core assets; and<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;">&#9642; other unforeseen or unexpected events and our success at managing these and the risks involved in the foregoing.<br>
      </div>
      <div style="margin: 0px 0px 0px 83pt; font-size: 8pt; text-align: left; text-indent: -5pt;"> <br>
      </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><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>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 78pt; font-size: 8pt;">The English language version of this document is the controlling version.</div>
      <div><br>
      </div>
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                  <div style="text-align: right; color: #000000; font-size: 8pt;">November 23, 2022</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>
      <div>
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              <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>
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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>
              </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;">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: 44%">&#160;</td>
              <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;">Reto H&#246;sli<br>
                </div>
              </td>
            </tr>
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              <td valign="top" style="WIDTH: 44%">&#160;</td>
              <td valign="top" 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;">Director</div>
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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: 3%">&#160;</td>
              <td valign="top" align="left" style="WIDTH: 53%">&#160;</td>
            </tr>
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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: 53%;">/s/ Annina M&#252;ller</td>
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              <td valign="top" align="left" style="width: 53%;">Annina M&#252;ller</td>
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              <td valign="top" align="left" style="WIDTH: 44%">Date: November 23, 2022</td>
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              <td valign="top" align="left" style="width: 53%;">Vice President</td>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
