<SEC-DOCUMENT>0001370368-23-000037.txt : 20230320
<SEC-HEADER>0001370368-23-000037.hdr.sgml : 20230320
<ACCEPTANCE-DATETIME>20230320083300
ACCESSION NUMBER:		0001370368-23-000037
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230319
FILED AS OF DATE:		20230320
DATE AS OF CHANGE:		20230320

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:		23745000

	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:		23745001

	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>a230320-6k-cs-ubsmerge.htm
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<TEXT>
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  <div style="font-size: 12pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">UNITED STATES</div>
  <div style="font-size: 12pt; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">SECURITIES AND EXCHANGE COMMISSION</div>
  <div style="font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Washington, D.C. 20549</div>
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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>
  <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 20, 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>
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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;">(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>
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  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="text-align: 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>
  <div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
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  <div style="text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">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 quote from the Chairman of the Board of Directors and the sentence &#8220;Further information about Credit Suisse can be
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                <div style="margin: 10px 0px 0px;">&#160;<font style="font-size: 12pt;">Media release</font></div>
              </td>
              <td style="width: 50.00%;">
                <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
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    <div style="text-align: left; margin-left: 5.3pt; margin-top: 0.05pt; font-family: 'Credit Suisse Type Light'; font-size: 14pt;">Ad hoc announcement pursuant to Art. 53 LR</div>
    <div style="text-align: left; margin-left: 5.3pt; margin-top: 0.85pt; font-family: Arial,Helvetica,sans-serif; font-size: 20pt;">Credit Suisse and UBS to Merge</div>
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    <div style="text-align: left; margin-right: 4.95pt; margin-left: 83.3pt; margin-top: 4.7pt; font-family: Arial, Helvetica, sans-serif;">Zurich, March 19, 2023 &#8211; <font style="font-weight: bold;">Credit Suisse and UBS have entered into a merger
        agreement on Sunday following the intervention of the Swiss Federal Department of Finance, the Swiss National Bank and the Swiss Financial Market Supervisory Authority FINMA (FINMA). UBS will be the surviving entity upon closing of the merger
        transaction. Under the terms of the merger agreement all shareholders of Credit Suisse will receive 1 share in UBS for 22.48 shares in Credit Suisse. Until consummation of the merger, Credit Suisse will continue to conduct its business in the
        ordinary course and implement its restructuring measures in collaboration with UBS. The Swiss National Bank will grant Credit Suisse access to facilities that provide substantial additional liquidity. On March 19, 2023, Swiss Federal Department of
        Finance, the Swiss National Bank and FINMA have asked Credit Suisse and UBS to enter into the merger agreement. Pursuant to the emergency ordinance which is being issued by the Swiss Federal Council, the merger can be implemented without approval
        of the shareholders. The consummation of the merger remains subject to customary closing conditions.</font></div>
    <div><br>
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    <div style="text-align: left; margin-right: 7.35pt; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif;">Credit Suisse and UBS have entered into a merger agreement on Sunday with UBS being the surviving entity. After negotiations that took
      place during the weekend leading up to the signing of the merger agreement, UBS and Credit Suisse concluded that it would be in the best interest of their shareholders and their stakeholders to enter into the merger. This move comes after the Swiss
      Federal Department of Finance, the Swiss National Bank and FINMA asked both companies to conclude the transaction to restore necessary confidence in the stability of the Swiss economy and banking system.</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif;">The merger transaction provides for the following key terms:</div>
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      </div>
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                <div style="text-align: left; margin-left: 101.3pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify;">All shareholders of Credit Suisse will receive 1 share in UBS for 22.48 shares in Credit Suisse as merger consideration. This exchange ratio reflects a merger consideration of CHF 3 billion for all shares
                  in Credit Suisse.</div>
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                <div style="text-align: left; margin-left: 101.3pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div>The merger transaction remains subject to customary closing conditions. Both parties are confident that all conditions can be met. The merger is expected to be consummated by end of 2023 if possible.</div>
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                <div style="text-align: left; margin-left: 101.3pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div>The Swiss National Bank will grant Credit Suisse access to facilities that provide substantial additional liquidity.</div>
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                <div style="text-align: left; margin-left: 101.3pt;">&#9726;</div>
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                <div>For the purpose of a seamless integration of Credit Suisse into UBS, UBS is expected to appoint key personnel to Credit Suisse as soon as legally possible.</div>
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                <div style="text-align: left; margin-left: 101.3pt;">&#9726;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Credit Suisse continues to operate in the ordinary course of business and implement its restructuring measures in collaboration with UBS.</div>
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                <div style="text-align: left; margin-left: 101.25pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div>UBS has expressed its confidence that the employment of the staff of Credit Suisse will be continued.</div>
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    <div><br>
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    <div style="text-align: left; margin-right: 13.75pt; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif;">On Sunday, Credit Suisse has been informed by FINMA that FINMA has determined that Credit Suisse&#8217;s Additional Tier 1 Capital (deriving
      from the issuance of Tier 1 Capital Notes) in the aggregate nominal amount of approximately CHF 16 billion will be written off to zero.</div>
    <div style="margin-top: 0.05pt;"><br>
    </div>
    <div style="text-align: left; margin-right: 10.1pt; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif;">In consideration of the unique circumstances affecting the Swiss economy as a whole, the Swiss Federal Council is issuing an emergency
      ordinance (<font style="font-style: italic;">Notverordnung</font>) tailored to this particular transaction. Most importantly, the merger will be implemented without the otherwise necessary approval of the shareholders of UBS and Credit Suisse to
      enhance deal certainty.</div>
    <div><br>
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    <div style="text-align: left; margin-right: 9.7pt; margin-left: 83.3pt; font-family: Arial,Helvetica,sans-serif;">Axel P. Lehmann, Chairman of the Board of Directors of Credit Suisse said: &#8220;Given recent extraordinary and unprecedented circumstances,
      the announced merger represents the best available outcome. This has been an extremely challenging time for Credit Suisse and while the team has worked tirelessly to address many significant legacy issues and execute on its new strategy, we are
      forced to reach a solution today that provides a durable outcome.&#8221;<br>
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              <div><font style="font-size: 8pt;">&#160;Page 1</font><br>
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              <div style="text-align: right;"><font style="font-size: 8pt;">&#160;March 19, 2023</font><br>
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              <div style="margin: 10px 0px 0px;">&#160;<font style="font-size: 12pt;">Media release</font></div>
            </td>
            <td style="width: 50.00%;">
              <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
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              <div>&#160;</div>
              <div style="margin-left: 11.75pt; font-family: Arial,Helvetica,sans-serif; font-weight: bold;">Contact details</div>
              <div>&#160;</div>
              <div style="margin-right: 238.1pt; margin-left: 11.75pt;"><font style="font-weight: bold;">Kinner Lakhani</font>, Investor Relations, Credit Suisse <br>
                Tel: +41 44 333 71 49</div>
              <div style="margin-left: 11.75pt;">Email: investor.relations@credit-suisse.com</div>
              <div>&#160;</div>
              <div style="margin-right: 179.7pt; margin-left: 11.75pt;"><font style="font-weight: bold;">Dominik von Arx</font>, Corporate Communications, Credit Suisse </div>
              <div style="margin-right: 179.7pt; margin-left: 11.75pt;">Tel: +41 844 33 88 44</div>
              <div style="margin-left: 11.75pt;">Email: media.relations@credit-suisse.com</div>
              <div style="margin-left: 11.75pt;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="margin-top: 0.15pt;"><br>
    </div>
    <div style="text-align: left; margin-left: 83.3pt; margin-top: 4.8pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Credit Suisse</div>
    <div style="text-align: left; margin-right: 8.7pt; margin-left: 83.3pt; margin-top: 0.05pt; 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 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 <u>www.credit-suisse.com</u>.</div>
    <div style="margin-top: 0.5pt;"><br>
    </div>
    <div style="text-align: left; margin-left: 83.3pt; margin-top: 4.8pt; 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-right: 6.9pt; margin-left: 83.3pt; margin-top: 0.05pt; font-family: Arial, Helvetica, sans-serif; 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>
      <div>
        <div>
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              <tr>
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                  <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
                </td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-size: 8pt;">our statements as to the proposed transaction between Credit Suisse and UBS;</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="z828f169158294edd88b9f96c38a05d0d">

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                </td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-size: 8pt;">our plans, targets or goals;</div>
                </td>
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          </table>
        </div>
        <div>
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                <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                  <div style="font-size: 8pt;">our future economic performance or prospects;</div>
                </td>
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        </div>
        <div>
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              <tr>
                <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                  <div style="text-align: left; margin-left: 83.25pt; 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>
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        </div>
        <div>
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              <tr>
                <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                  <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
                </td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-size: 8pt;">assumptions underlying any such statements.</div>
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          </table>
        </div>
      </div>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; margin-right: 15.05pt; margin-left: 83.3pt; 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 style="text-align: left; margin-right: 6.45pt; margin-left: 83.3pt; 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>
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    </div>
    <div style="text-align: left; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt;">These factors include, but are not limited to:</div>
    <div>
      <div>
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                <div style="font-size: 8pt;">the consummation of the proposed transaction between Credit Suisse and UBS, and the timing and implementation thereof;</div>
              </td>
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        </table>
      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <div style="font-size: 8pt;">the ability to maintain sufficient liquidity and access capital markets;</div>
              </td>
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        </table>
      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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                <div style="font-size: 8pt;">market volatility, increases in inflation and interest rate fluctuations or developments affecting interest rate levels;</div>
              </td>
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        </table>
      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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="zfd837f2c43a649db8430a72269a1d717">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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              <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>
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        </table>
      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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>
        <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="za4bed4c8d24a463db7391b1d4949016c">

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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; font-size: 8pt;">&#9726;</div>
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              <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 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>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; font-size: 8pt;">&#9726;</div>
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                <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>

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      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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              <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>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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              <div><font style="font-size: 8pt;">&#160;Page 2</font><br>
              </div>
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            <td style="width: 50.00%;">
              <div style="text-align: right;"><font style="font-size: 8pt;">&#160;March 19, 2023</font><br>
              </div>
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          <td style="width: 50.00%;">
            <div style="margin: 10px 0px 0px;">&#160;<font style="font-size: 12pt;">Media release</font></div>
          </td>
          <td style="width: 50.00%;">
            <div style="text-align: right;">&#160;<img src="logo.jpg"></div>
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    <div><br>
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      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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>
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      </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="z060c39c9ef93419d87281ac814168d3c">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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="z5dab183ee1ba4af9a5607f9e40cd9fc0">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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              <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>
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        </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="zf2b40806e9414090acf48ad10e7fd47a">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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="zabe6aee7aa264308ab2934e0c1e95280">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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      <div>
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                <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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      </div>
      <div>
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        </table>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <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>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <div style="font-size: 8pt;">operational factors such as systems failure, human error, or the failure to implement procedures properly;</div>
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        </table>
      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <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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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <div style="font-size: 8pt;">the adverse resolution of litigation, regulatory proceedings and other contingencies;</div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <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>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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              <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>
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      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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                <div style="font-size: 8pt;">the discontinuation of LIBOR and other interbank offered rates and the transition to alternative reference rates;</div>
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      </div>
      <div>
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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the potential effects of changes in our legal entity structure;</div>
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            </tr>

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      <div>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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                <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>
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      <div>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
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              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 8pt;">the ability to retain and recruit qualified personnel;</div>
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            </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="z06846ee8f10f4e7c975402d476ca260f">

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              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; font-size: 8pt;">&#9726;</div>
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              <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>

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      </div>
      <div>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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>
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            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.3pt; 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="z1190842f021444ee8abc7988e08c764e">

            <tr>
              <td style="width: 101.3pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 83.25pt; 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>
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    <div style="text-align: justify; margin-right: 14.8pt; margin-left: 83.3pt; margin-top: 0.05pt; 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 <font style="font-style: italic;">I &#8211; Information on the company </font>in
      our Annual Report 2022.</div>
    <div style="margin-top: 0.55pt;"><br>
    </div>
    <div style="text-align: left; margin-left: 83.3pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Important Information</div>
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      securities laws or regulations of such jurisdiction.</div>
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    <div style="text-align: left; margin-right: 5.15pt; margin-left: 83.3pt; 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
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    <div style="text-align: left; margin-left: 83.3pt; margin-top: 0.05pt; font-family: Arial, Helvetica, sans-serif; font-size: 8pt; font-weight: bold;">Disclaimer</div>
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              <div style="text-align: right;"><font style="font-size: 8pt;">&#160;March 19, 2023</font><br>
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                <div><font style="font-size: 8pt;">&#160;Page 4</font><br>
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                <div style="text-align: right;"><font style="font-size: 8pt;">&#160;March 19, 2023</font><br>
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              <td valign="top" align="left" style="WIDTH: 44%">Date: March 20, 2023</td>
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