<SEC-DOCUMENT>0001370368-23-000035.txt : 20230316
<SEC-HEADER>0001370368-23-000035.hdr.sgml : 20230316
<ACCEPTANCE-DATETIME>20230316115332
ACCESSION NUMBER:		0001370368-23-000035
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230316
FILED AS OF DATE:		20230316
DATE AS OF CHANGE:		20230316

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:		23737869

	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:		23737870

	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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<FILENAME>a230316-6k-tenderoffer.htm
<DESCRIPTION>6-K
<TEXT>
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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>
  <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;">March 16, 2023</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>
  <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>
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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: 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 40-F &#9744;</div>
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    <div style="text-align: left; font-family: Arial, Helvetica, sans-serif;">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),&#160;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="padding: 10px 0px 0px;">&#160;<font style="font-size: 14pt;">Media release</font></div>
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              <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
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    <div style="font-weight: normal;"><br>
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      <div style="text-align: left; color: rgb(0, 0, 0); font-family: Arial,Helvetica,'sans-serif'; font-size: 14pt; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;"> <br>
      </div>
      <div style="text-align: left; color: rgb(0, 0, 0); font-family: Arial,Helvetica,'sans-serif'; font-size: 14pt; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;"> <br>
      </div>
      <div style="text-align: left; color: rgb(0, 0, 0); font-family: Arial,Helvetica,'sans-serif'; font-size: 14pt; background-color: rgb(255, 255, 255); font-weight: normal; font-style: normal; font-variant: normal; text-transform: none;">Ad hoc
        announcement pursuant to Art. 53 LR</div>
      <div style="text-align: left; color: #000000; font-family: Arial, Helvetica, sans-serif;"> <br>
      </div>
      <div style="text-align: left; color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; font-size: 16pt; font-weight: bold;">Credit Suisse Group takes decisive action to pre-emptively strengthen liquidity and announces public tender offers for
        debt securities</div>
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    <div style="text-align: left; margin-left: 78pt; font-family: Arial, Helvetica, sans-serif;">Zurich, March 16, 2023 &#8211; <font style="font-weight: bold;">Credit Suisse is taking decisive action to pre-emptively strengthen its liquidity by intending to
        exercise its option to borrow from the Swiss National Bank (SNB) up to CHF 50 billion under a Covered Loan Facility as well as a short-term liquidity facility, which are fully collateralized by high quality assets. Credit Suisse also announces
        offers by Credit Suisse International to repurchase certain OpCo senior debt securities for cash of up to approximately CHF&#160;3&#160;billion.</font></div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;">Credit Suisse announces its intention to access the SNB&#8217;s Covered Loan Facility as well as a short-term liquidity facility of up to
      approximately CHF 50 billion in aggregate. This additional liquidity would support Credit Suisse&#8217;s core businesses and clients as Credit Suisse takes the necessary steps to create a simpler and more focused bank built around client needs.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;">Credit Suisse also announces today that it is making a cash tender offer in relation to ten US dollar denominated senior debt securities for
      an aggregate consideration of up to USD 2.5 billion. Concurrently, Credit Suisse is also announcing a separate cash tender offer in relation to four Euro denominated senior debt securities for an aggregate consideration of up to EUR 500 million. Both
      offers are subject to various conditions as set out in the respective tender offer memoranda. The offers will expire on March 22, 2023, subject to the terms and conditions set out in the offer documents. The transactions are consistent with our
      proactive approach to managing our overall liability composition and optimizing interest expense and allow us to take advantage of current trading levels to repurchase debt at attractive prices.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;">CEO Ulrich Koerner said: &#8220;These measures demonstrate decisive action to strengthen Credit Suisse as we continue our strategic transformation
      to deliver value to our clients and other stakeholders. We thank the SNB and FINMA as we execute our strategic transformation. My team and I are resolved to move forward rapidly to deliver a simpler and more focused bank built around client needs.&#8221; &#160;</div>
    <div><br>
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    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;">As a global systemically important bank, Credit Suisse, like its global peers, is subject to high standards for capital, funding, liquidity
      and leverage requirements. As of the end of 2022, Credit Suisse had a CET1 ratio of 14.1% and an average liquidity coverage ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> (LCR) of 144%, which has since improved to approximately 150% (as of March 14, 2023). The use of the Covered
      Loan Facility of CHF 39 billion will further strengthen the LCR with immediate effect. Credit Suisse is conservatively positioned against interest rate risks. The volume of duration fixed income securities is not material compared to the overall HQLA
      (high quality liquid assets) portfolio and, in addition, is fully hedged for moves in interest rates. Moreover, the loan book is highly collateralized at almost 90%, with more than 60% in Switzerland and an average provision for credit loss ratio of
      8 bps across Wealth Management<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">&#160;</sup>and the Swiss Bank<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup>.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;">Following the Group&#8217;s strategy announcement on October 27, 2022, Credit Suisse has made significant progress toward this transformation and
      on an accelerated schedule to build the foundation for the new Credit Suisse. Its strategy includes decisive actions to radically restructure the Investment Bank, including the substantial exit from the Securitized Products Group where the bank has
      already achieved more than 70% of the targeted asset reduction. The bank has also accelerated its cost transformation and is well on track to deliver CHF ~2.5 billion of cost base reductions by 2025, including CHF ~1.2 billion in 2023.</div>
    <div style="text-align: left; margin-left: 77.95pt; color: #000000; font-family: Arial, Helvetica, sans-serif;"> <br>
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      <div style="color: #000000; font-family: Arial, Helvetica, sans-serif;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>&#160;<font style="font-size: 8pt;">Calculated using a three-month average, which is calculated on a daily basis</font></div>
      <div style="color: #000000; font-family: Arial, Helvetica, sans-serif;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup>&#160;<font style="font-size: 8pt;">Over 2018-21</font></div>
      <div style="color: #000000; font-family: Arial, Helvetica, sans-serif;"><font style="font-size: 8pt;">&#160;</font></div>
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              <div style="text-align: right; color: #000000; font-size: 8pt;">March 16, 2023</div>
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                <div style="padding: 10px 0px 0px;">&#160;<font style="font-size: 14pt;">Media release</font></div>
              </td>
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              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; font-weight: bold; margin-left: 18pt;"> <br>
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              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; font-weight: bold; margin-left: 18pt;">Contact details</div>
              <div style="margin-left: 18pt;">&#160;</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;"><font style="font-family: Arial, Helvetica, sans-serif; font-weight: bold;">Kinner Lakhani</font>, Investor Relations, Credit Suisse</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;">Tel: +41 44 333 71 49</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;">Email: investor.relations@credit-suisse.com</div>
              <div style="margin-left: 18pt;">&#160;</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;"><font style="font-family: Arial, Helvetica, sans-serif; font-weight: bold;">Dominik von Arx</font>, Corporate Communications, Credit Suisse</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;">Tel: +41 844 33 88 44</div>
              <div style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; margin-left: 18pt;">Email: media.relations@credit-suisse.com</div>
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    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Credit Suisse</div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Credit Suisse is one of the world's leading financial services providers. The bank&#8217;s strategy is built on its leading Wealth Management and
      Swiss Bank franchises, with strong Asset Management as well as Markets capabilities. 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-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Cautionary Statement regarding forward-looking information</div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">This report 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: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="margin: 0px 0px 0px 0px; font-family: Arial, Helvetica, 'sans-serif'; font-size: 8pt; text-align: left;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3cbf1a64fbe440e398f497cf7a7ad8be">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">our plans, targets or goals;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc92046f7b52c4748a8f264235d06edc9">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
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              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">our future economic performance or prospects;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the potential effect on our future performance of certain contingencies; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcf57f49d8e234704bd4cbd23b0a07cef">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">assumptions underlying any such statements.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Words such as &#8220;may,&#8221; &#8220;could,&#8221; &#8220;achieves,&#8221; &#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="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; 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. Additionally, many of these factors are beyond our control.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">These factors include, but are not limited to:</div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="margin: 0px 0px 0px 0px; font-family: Arial, Helvetica, 'sans-serif'; font-size: 8pt; text-align: left;">
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zab476d206a604088b54bf9b91d1d1715">

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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to maintain sufficient liquidity and access capital markets;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">market volatility, increases in inflation and interest rate fluctuations or developments affecting interest rate levels;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the impact of media reports and social media speculation about our business and its performance;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0f426de2e01c4af39d054c14299c6edc">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the extent of outflows of deposits and assets or future net new asset generation across our divisions;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5acbe741efc7493ca9cc4c5545accc59">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">our ability to improve our risk management procedures and policies and hedging strategies;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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&#160; and the risk of continued slow economic recovery or downturn in the EU, the US or other
                  developed countries or in emerging markets in 2023 and beyond;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4feba16936cb4d6cb6b36c40e2d113fa">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z42e4ffd30a0c40a5a2a75f88670b2a20">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">potential risks and uncertainties relating to the severity of impacts from the COVID-19 pandemic, including potential material adverse effects on our business, financial condition and results of operations;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the direct and indirect impacts of deterioration or slow recovery in residential and commercial real estate markets;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z513edc23fb38457c9f07883a7d083966">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">adverse rating actions by credit rating agencies in respect of us, sovereign issuers, structured credit products or other credit-related exposures;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze8e658653b3649dab159cf535367e444">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;">
      <div style="color: rgb(0, 0, 0); font-size: 10pt;">
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              <td style="width: 49.86%; vertical-align: top;">
                <div style="color: #000000; font-size: 8pt;">Page 2</div>
              </td>
              <td style="width: 50.14%; vertical-align: top;">
                <div style="text-align: right; color: #000000; font-size: 8pt;">March 16, 2023</div>
              </td>
            </tr>

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    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            <tr>
              <td style="width: 50%; font-size: 16pt;">
                <div style="padding: 10px 0px 0px;">&#160;<font style="font-size: 14pt;">Media release</font></div>
              </td>
              <td style="width: 50.00%;">
                <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7446efd941494dc1997c7dbe09d7217b">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">our ability to achieve our announced comprehensive new strategic direction for the Group and significant changes to its structure and organization;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z40bbf4df6fe14b4886cd2dc4ac4f8af4">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">our ability to successfully implement the divestment of any non-core business;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf2f526d47a0140f58e64578402234dc4">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the future level of any impairments and write-downs resulting from strategy changes and their implementation;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z66b289a3a2c542e7b022b6db34f8f522">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability of counterparties to meet their obligations to us and the adequacy of our allowance for credit losses;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcda73cb04df94d239a07fdadc01db434">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the effects of, and changes in, fiscal, monetary, exchange rate, trade and tax policies;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z70df11b7cd4240ec84e5f1b498679c35">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z69bb08f5a1634540ba7a5cab9b67fcc5">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            </tr>

        </table>
      </div>
      <div>
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to appropriately address social, environmental and sustainability concerns that may arise from our business activities;</div>
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            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
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              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the effects of, and the uncertainty arising from, the UK&#8217;s withdrawal from the EU;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the possibility of foreign exchange controls, expropriation, nationalization or confiscation of assets in countries in which we conduct our operations;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">operational factors such as systems failure, human error, or the failure to implement procedures properly;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
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            </tr>

        </table>
      </div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the adverse resolution of litigation, regulatory proceedings and other contingencies;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the discontinuation of LIBOR and other interbank offered rates and the transition to alternative reference rates;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the potential effects of changes in our legal entity structure;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">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>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to retain and recruit qualified personnel;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to protect our reputation and promote our brand;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to increase market share and control expenses;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">technological changes instituted by us, our counterparties or competitors;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0d520592ddb64d21b0763983ed73f6f7">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the timely development and acceptance of our new products and services and the perceived overall value of these products and services by users;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z95e6d95e382b4e5dad49436a74c593cf">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">acquisitions, including the ability to integrate acquired businesses successfully, and divestitures, including the ability to sell non-core assets; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb81250f5cf014e789efd60e9d0bc86ec">

            <tr>
              <td style="width: 113.95pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 95.95pt; font-size: 8pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">other unforeseen or unexpected events and our success at managing these and the risks involved in the foregoing.</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; 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 2022.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 78pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Important information</div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Our cost base target is measured using adjusted operating expenses at constant 2022 foreign exchange rates and on a constant perimeter,
      before taking into account the Securitized Products Group transaction and other divestments.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">We may not achieve all of the expected benefits of our strategic initiatives, such as in relation to our 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-family: Arial, Helvetica, sans-serif; font-size: 8pt;">In particular, the terms &#8220;Estimate&#8221;, &#8220;Illustrative&#8221;, &#8220;Ambition&#8221;, &#8220;Objective&#8221;, &#8220;Outlook&#8221;, &#8220;Guidance,&#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, guidance, goals, commitments and aspirations, as well as any other
      forward-looking statements described as targets or projections, 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, geopolitical conflicts, changes in tax policies, scientific or technological developments, evolving sustainability strategies, including changes in approach due to shifting market expectations and business trends, the need for
      concurrent actions and efforts by external parties and other actors that are outside of our control to achieve our sustainability-related goals and initiatives, changes in the nature or scope of our operations, including as a result of our recently
      announced strategy initiatives, changes in carbon markets, regulatory changes, changes in levels </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;">
      <div>
        <div style="color: rgb(0, 0, 0); font-size: 10pt;">
          <table cellspacing="0" cellpadding="0" style="font-family: Arial, Helvetica, sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

              <tr>
                <td style="width: 49.86%; vertical-align: top;">
                  <div style="color: #000000; font-size: 8pt;">Page 3<br>
                  </div>
                </td>
                <td style="width: 50.14%; vertical-align: top;">
                  <div style="text-align: right; color: #000000; font-size: 8pt;">March 16, 2023</div>
                </td>
              </tr>

          </table>
        </div>
      </div>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <div style="text-align: left; font-family: Arial,Helvetica,sans-serif; font-size: 8pt;">
      <div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: Arial, Helvetica, 'sans-serif'; font-size: 10pt; color: #000000; width: 100%;">

            <tr>
              <td style="width: 50%; font-size: 16pt;">
                <div style="padding: 10px 0px 0px;">&#160;<font style="font-size: 14pt;">Media release</font></div>
              </td>
              <td style="width: 50.00%;">
                <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">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, guidance, goals, commitments, aspirations, targets, projections 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="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; 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="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Credit Suisse is subject to the Basel framework, as implemented in Switzerland, as well as Swiss legislation and regulations for
      systemically important banks, which include capital, liquidity, leverage and large exposure requirements and rules for emergency plans designed to maintain systemically relevant functions in the event of threatened insolvency. Credit Suisse has
      adopted the Bank for International Settlements (BIS) leverage ratio framework, as issued by the Basel Committee on Banking Supervision (BCBS) and implemented in Switzerland by the Swiss Financial Market Supervisory Authority FINMA (FINMA).</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Our estimates, ambitions, objectives, aspirations and targets often include metrics that are non-GAAP financial measures and are unaudited.
      A reconciliation of the estimates, ambitions, objectives, aspirations and targets to the nearest GAAP measures is unavailable without unreasonable efforts. Results excluding certain items included in our reported results do not include items such as
      goodwill impairment, major litigation provisions, real estate gains, impacts from foreign exchange and other revenue and expense items included in our reported results, all of which are unavailable on a prospective basis. Such estimates, ambitions,
      objectives, aspirations 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="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">Unless otherwise noted, all CET1 ratio, CET1 leverage ratio, Tier-1 leverage ratio, risk-weighted assets and leverage exposure figures in
      this document are as of the end of the respective period.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 77.95pt; font-family: Arial, Helvetica, sans-serif; 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 (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="text-align: left; margin-left: 78pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Disclaimer</div>
    <div style="text-align: left; margin-left: 78pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">This announcement does not constitute an offer or an invitation to participate in the tender offers described herein. The tender offers will be
      made by means of tender offer memoranda. Each offer is made only to holders in the relevant jurisdictions specified in that offer and is not being made in or from any jurisdiction in or from which, or to or from any person to or from whom, it is
      unlawful to make such offer or invitation or for there to be such participation under applicable laws.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 78pt; font-family: Arial, Helvetica, sans-serif; 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>
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              <div style="color: #000000; font-size: 8pt;">Page 4</div>
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              <div style="text-align: right; color: #000000; font-size: 8pt;">March 16, 2023</div>
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    <div style="TEXT-ALIGN: center"><u>SIGNATURES</u></div>
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      <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>
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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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                <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">By:</div>
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                <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>
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              <td valign="top" align="left" style="WIDTH: 44%">Date: March 16, 2023</td>
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