1) Credit Suisse reported operating income of CHF 8.72 billion for Q3 2001, with net operating profit before minorities of CHF 157 million. 2) Business unit results showed declines across most divisions compared to Q2 2001, with the exception of a small increase at CS Asset Management. 3) Winterthur Insurance reported a net operating profit of CHF 102 million for the quarter, down 53% from Q2 2001, with underwriting and investment income both decreasing.

1. SUPPLEMENTS TO THE
3RD QUARTER 2001 RESULTS

2. BUSINESS UNIT RESULTS Q3 2001 – OVERVIEW
CSFS CSPB CSAM CSFB CC CSG
In CHF m & Adj.
Operating income 2,168 1,330 351 5,325 -454 8,720
Personnel expenses -1,042 -430 -157 -3,711 64 -5,276
Other operating expenses -589 -231 -115 -1,375 356 -1,954
Total operating expenses -1,631 -661 -272 -5,086 420 -7,230
Gross operating profit 537 669 79 239 -34 1,490
Depreciation *, write-offs -179 -16 -8 -219 -80 -502
Losses, provisions ** -78 -6 0 -341 -228 -653
Pre-tax profit 280 647 71 -321 -342 335
Net extraordinary items 4 2 -13 0 13 6
Taxes -60 -132 -24 117 -85 -184
Net op. profit bef. minorities 224 517 34 -204 -414 157
* excl. amortisation of
acquired intangible assets and goodwill
** ? to actual credit provisions at CC +21 -5 +82
Supplement 2

3. PRO MEMORIA
BUSINESS UNIT RESULTS Q2 2001 – OVERVIEW
CSFS CSPB CSAM CSFB CC CSG
In CHF m & Adj.
Operating income 2,759 1,502 417 6,614 -110 11,182
Personnel expenses -1,058 -438 -204 -4,130 -129 -5,959
Other operating expenses -659 -268 -122 -1,425 260 -2,214
Total operating expenses -1,717 -706 -326 -5,555 131 -8,173
Gross operating profit 1,042 796 91 1,059 21 3,009
Depreciation *, write-offs -170 -15 -8 -226 -83 -502
Losses, provisions ** -80 -43 0 -298 9 -412
Pre-tax profit 792 738 83 535 -53 2,095
Net extraordinary items 7 2 0 0 -9 0
Taxes -240 -160 -2 -92 94 -400
Net op. profit bef. minorities 559 580 81 443 32 1,695
* excl. amortisation of
acquired intangible assets and goodwill
** ? to actual credit provisions at CC +28 0 -24
Supplement 3

4. PRO MEMORIA
BUSINESS UNIT RESULTS Q1 2001 – OVERVIEW
CSFS CSPB CSAM CSFB CC CSG
In CHF m & Adj.
Operating income 2,462 1,579 377 6,744 -71 11,091
Personnel expenses -991 -436 -175 -4,362 -66 -6,030
Other operating expenses -637 -237 -113 -1,230 263 -1,954
Total operating expenses -1,628 -673 -288 -5,592 197 -7,984
Gross operating profit 834 906 89 1,152 126 3,107
Depreciation *, write-offs -131 -11 -7 -213 -121 -483
Losses, provisions ** -86 -42 0 -92 -18 -238
Pre-tax profit 617 853 82 847 -13 2,386
Net extraordinary items 1 1 -1 -1 22 22
Taxes -168 -202 -13 -187 -65 -635
Net op. profit bef. minorities 450 652 68 659 -56 1,773
* excl. amortisation of
acquired intangible assets and goodwill
** ? to actual credit provisions at CC -33 +1 +24
Supplement 4

5. BUSINESS UNIT RESULTS
QUARTERLY COMPARISON
Net operating profit, CHF m Q3/01 Q2/01 Q3/00 Change
to Q2/01
CSFS 225 504 439 -55%
WIN 102 217 213 -53%
WLP 60 214 109 -72%
CSB 153 178 147 -14%
CSPF -90 -105 -30 -14%
CSPB 513 576 646 -11%
CSAM 34 81 86 -58%
CSFB -204 443 424 -
Supplement 5

6. VALUE BASED ANALYSIS
Value added Q3/01 by BU, in CHF m
453 19
CSAM
CSPB
-3 CSFB
CSFS
- 657 CSG
Adjustments
- 380 - 568
Supplement 6

7. ASSETS UNDER MANAGEMENT AS PER 30.09.2001
CSFS CSPB CSAM CSFB CSG
CHF bn CHF bn CHF bn CHF bn CHF bn
Cash & time deposits 52 32 7 14 105
Safe custody accounts 73 345 426 140 983
Fixed income 9 130 174 36 348
Equities 18 96 131 56 302
Balanced - - 80 - 80
Total FI/Eq./Bal. 27 226 385 92 730
Investment funds 38 115 - 47 200
whereof CSAM inv. funds 31 47 - 12 90
whereof other CSG funds * 2 49 - 32 84
whereof external funds 5 19 - 3 26
Other (derivatives, etc.) 8 4 42 0 53
Fiduciary 4 62 1 0 67
Insurance AuM 135 - - - 135
Total 264 439 434 154 1,290
whereof discretionary 140 114 318 59 630
* incl. private equity on behalf of clients
Supplement 7

8. CREDIT SUISSE FINANCIAL SERVICES
INCOME STATEMENT
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 2,168 2,759 2,394 -21%
Personnel expenses -1,042 -1,058 -922 -2%
Other operating expenses -589 -659 -605 -11%
Total operating expenses -1,631 -1,717 -1,527 -5%
Gross operating profit 537 1,042 867 -48%
Depreciation *, write-offs -179 -170 -83 +5%
Losses, provisions ** -78 -80 -165 -3%
Pre-tax profit 280 792 619 -65%
E.o. items, net 4 7 0 -43%
Taxes -60 -240 -140 -75%
Net operating profit bef. minorities 224 559 479 -60%
Net operating profit 225 504 439 -55%
* excl. amortisation of goodwill
** additional (+) / lower (-) actual credit-related provisions +21 +28 -26
Supplement 8

9. WINTERTHUR INSURANCE
INCOME STATEMENT (insurance chart of account)
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to 9M/00
Net premiums earned 3,708 3,887 3,422 +12%
Claims and annuities incurred, net -2,817 -3,056 -2,622 +13%
Dividends to policyholders incurred, net -78 -71 -94 -7%
Operating exp., net (incl. commissions paid) -1,033 -1,172 -976 +11%
Underwriting result, net -220 -412 -270 +4%
Net investment income 360 825 601 -1%
Interest received on deposits & bank accounts 9 17 23 -52%
Interest paid -25 -41 -34 -10%
Other income / expense, net (incl. FX differences) * 22 -14 7 -32%
Profit before e.o. items, taxes 146 375 327 -12%
E.o. items, net 0 0 0 -
Taxes -51 -120 -88 +0%
Net operating profit before minorities 95 255 239 -17%
Net operating profit 102 217 213 -16%
* excl. amortisation of goodwill
Supplement 9

10. WINTERTHUR INSURANCE
INCOME STATEMENT (BU format reconciliation) Q3/01
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 3,708 3,708
Claims and annuities incurred, net -2,817 -2,817
Dividends to policyholders incurred, net -78 -78
Operating exp., net (incl. commissions paid) -1,033 -446 -554 -33
Underwriting result, net -220
Net investment income 360 360
Interest received on deposits & bank accounts 9 9
Interest paid -25 -25
Other income / expense, net (incl. FX differences) * 22 15 7
Profit before e.o. items, taxes 146 726 -554 -26
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 10

11. WINTERTHUR INSURANCE
INCOME STATEMENT (BU format reconciliation) Q2/01
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 3,887 3,887
Claims and annuities incurred, net -3,056 -3,056
Dividends to policyholders incurred, net -71 -71
Operating exp., net (incl. commissions paid) -1,172 -573 -574 -25
Underwriting result, net -412
Net investment income 825 825
Interest received on deposits & bank accounts 17 17
Interest paid -41 -41
Other income / expense, net (incl. FX differences) * -14 8 -22
Profit before e.o. items, taxes 375 996 -574 -47
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 11

12. WINTERTHUR INSURANCE
INCOME STATEMENT (BU format reconciliation) Q3/00
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 3,422 3,422
Claims and annuities incurred, net -2,622 -2,622
Dividends to policyholders incurred, net -94 -94
Operating exp., net (incl. commissions paid) -976 -420 -532 -24
Underwriting result, net -270
Net investment income 601 601
Interest received on deposits & bank accounts 23 23
Interest paid -34 -34
Other income / expense, net (incl. FX differences) * 7 24 -17
Profit before e.o. items, taxes 327 900 -532 -41
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 12

13. WINTERTHUR INSURANCE
INCOME STATEMENT (BU reporting format)
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 726 996 900 -27%
Personnel expenses -349 -386 -329 -10%
Other operating expenses -205 -188 -203 +9%
Total operating expenses -554 -574 -532 -3%
Gross operating profit 172 422 368 -59%
Depreciation *, write-offs -26 -47 -41 -45%
Losses, provisions 0 0 0 -
Pre-tax profit 146 375 327 -61%
E.o. items, net 0 0 0 -
Taxes -51 -120 -88 -58%
Net operating profit bef. minorities 95 255 239 -63%
Net operating profit 102 217 213 -53%
* excl. amortisation of goodwill
Supplement 13

14. WINTERTHUR INSURANCE
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Combined ratio (excl. dividends to policyholders) 103.8% 108.8% 105.1%
Claims ratio 76.0% 78.6% 76.6%
Expense ratio 27.8% 30.2% 28.5%
AuM, CHF bn * 29.3 32.6 32.5
Technical provisions, CHF m * 26,710 30,339 26,653
Investment return 4.7% 9.8% 7.6%
- current interest income 3.9% 5.2% 4.9%
- realised gains 0.8% 4.7% 2.7%
Number of employees * 21,135 22,516 21,796
* 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 14

15. WINTERTHUR INSURANCE
KEY FIGURES
Net premiums earned (CHF bn) Claims ratio (%)
11.2 77.1 77.4
10.0
9M/00 9M/01 9M/00 9M/01
Expense ratio (%) Combined ratio (%)
excl. dividends to policyholders
29.4
29.0 106.5 106.4
9M/00 9M/01 9M/00 9M/01
Supplement 15

16. WINTERTHUR LIFE & PENSIONS
INCOME STATEMENT (insurance chart of account)
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to 9M/00
Net premiums earned 3,048 3,183 2,620 +12%
Death and other benefits incurred -2,560 -2,687 -2,151 +27%
Change in prov. for future policyholder benefits 553 -1,205 -716 -43%
Dividends to policyholders incurred -114 -228 -592 -58%
Operating exp., net (incl. commissions paid) -463 -581 -454 +17%
Net investment income -376 1,919 1,572 -51%
Interest received on deposits & bank accounts 25 24 22 -6%
Interest on bonuses credited to policyholders -27 -40 -29 +14%
Other interest paid -35 -62 -60 -25%
Other income / expense, net (incl. FX differences) * 11 -27 -72 -77%
Profit before e.o. items, taxes 62 296 140 +23%
E.o. items, net 0 0 0 -
Taxes 4 -66 -17 +79%
Net operating profit before minorities 66 230 123 +14%
Net operating profit 60 214 109 +19%
* excl. amortisation of goodwill
Supplement 16

17. WINTERTHUR LIFE & PENSIONS
INCOME STATEMENT (BU format reconciliation) Q3/01
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 3,048 3,048
Death and other benefits incurred -2,560 -2,560
Change in prov. for future policyholder benefits 553 553
Dividends to policyholders incurred -114 -114
Operating exp., net (incl. commissions paid) -463 -12 -360 -91
Net investment income -376 -375 -1
Interest received on deposits & bank accounts 25 25
Interest on bonuses credited to policyholders -27 -27
Other interest paid -35 -35
Other income / expense, net (incl. FX differences) * 11 19 -8
Profit before e.o. items, taxes 62 522 -360 -100
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 17

18. WINTERTHUR LIFE & PENSIONS
INCOME STATEMENT (BU format reconciliation) Q2/01
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 3,183 3,183
Death and other benefits incurred -2,687 -2,687
Change in prov. for future policyholder benefits -1,205 -1,205
Dividends to policyholders incurred -228 -228
Operating exp., net (incl. commissions paid) -581 -116 -376 -89
Net investment income 1,919 1,922 -3
Interest received on deposits & bank accounts 24 24
Interest on bonuses credited to policyholders -40 -40
Other interest paid -62 -62
Other income / expense, net (incl. FX differences) * -27 -23 -4
Profit before e.o. items, taxes 296 768 -376 -96
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 18

19. WINTERTHUR LIFE & PENSIONS
INCOME STATEMENT (BU format reconciliation) Q3/00
in CHF m Insurance BU BU BU
format format format format
Net premiums earned 2,620 2,620
Death and other benefits incurred -2,151 -2,151
Change in prov. for future policyholder benefits -716 -716
Dividends to policyholders incurred -592 -592
Operating exp., net (incl. commissions paid) -454 -115 -326 -13
Net investment income 1,572 1,572
Interest received on deposits & bank accounts 22 22
Interest on bonuses credited to policyholders -29 -29
Other interest paid -60 -60
Other income / expense, net (incl. FX differences) * -72 -60 -12
Profit before e.o. items, taxes 140 491 -326 -25
Operating Operating Depreci-
income expenses ation * &
write-offs
* excl. amortisation of goodwill
Supplement 19

20. WINTERTHUR LIFE & PENSIONS
INCOME STATEMENT (BU reporting format)
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 522 768 491 -32%
Personnel expenses -212 -212 -178 0%
Other operating expenses -148 -164 -148 -10%
Total operating expenses -360 -376 -326 -4%
Gross operating profit 162 392 165 -59%
Depreciation *, write-offs -100 -96 -25 +4%
Losses, provisions 0 0 0 -
Pre-tax profit 62 296 140 -79%
E.o. items, net 0 0 0 -
Taxes 4 -66 -17 -
Net operating profit bef. minorities 66 230 123 -71%
Net operating profit 60 214 109 -72%
* excl. amortisation of goodwill
Supplement 20

21. WINTERTHUR LIFE & PENSIONS
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Expense ratio 15.2% 18.3% 17.3%
Net return on average technical provisions 6 bp 21 bp 15 bp
Net new assets, CHF bn -0.1 0.6 0.3
AuM, CHF bn * 106.0 109.4 104.7
Technical provisions, CHF m * 105,402 108,926 105,522
Investment return 3.9% 6.9% 7.0%
- current interest income 3.9% 4.9% 4.2%
- realised gains 0.0% 1.9% 2.8%
Number of employees * 7,469 7,276 6,562
* 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 21

22. WINTERTHUR LIFE & PENSIONS
KEY FIGURES
Gross premiums (CHF bn) Expense ratio (%)
11.0 11.5
12.5
11.2
9M/00 9M/01 9M/00 9M/01
Net new assets (CHF bn) Return on average tech. provisions (bp)
not annualised
2.6
1.9 46 45
9M/00 9M/01 9M/00 9M/01
Supplement 22

23. CREDIT SUISSE BANKING
INCOME STATEMENT
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 917 982 984 -7%
Personnel expenses -421 -417 -389 +1%
Other operating expenses -192 -229 -228 -16%
Total operating expenses -613 -646 -617 -5%
Gross operating profit 304 336 367 -10%
Depreciation *, write-offs -36 -22 -13 +64%
Losses, provisions ** -78 -79 -165 -1%
Pre-tax profit 190 235 189 -19%
E.o. items, net 3 7 0 -57%
Taxes -40 -63 -42 -37%
Net operating profit bef. minorities 153 179 147 -15%
Net operating profit 153 178 147 -14%
* excl. amortisation of goodwill
** additional (+) / lower (-) actual credit-related provisions +21 +28 -26
Supplement 23

24. CREDIT SUISSE BANKING
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Operating ROE * 14.1% 16.7% 13.7%
Pre-tax margin * 21.0% 24.6% 19.2%
Cost / income ratio * 70.8% 68.0% 64.0%
Loan growth -0.6% 2.3% 1.2%
Net interest margin 231 bp 238 bp 241 bp
AuM, CHF bn ** 122.6 130.3 130.8
Average allocated equity capital, CHF m 4,353 4,289 4,292
* excl. amortisation of goodwill
** 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 24

25. CREDIT SUISSE BANKING
KEY FIGURES
Net interest margin (bp) Net operating profit (CHF m)
excl. amortisation of goodwill
241 242 242 238 231 187 178
147 134 153
Q3/00 Q4/00 Q1/01 Q2/01 Q3/01 Q3/00 Q4/00 Q1/01 Q2/01 Q3/01
Operating ROE (%) Cost/income ratio (%)
excl. amortisation of goodwill excl. amortisation of goodwill
16.9 16.7 70.0 70.8
13.7 14.1 64.0 65.9 68.0
12.5
Q3/00 Q4/00 Q1/01 Q2/01 Q3/01 Q3/00 Q4/00 Q1/01 Q2/01 Q3/01
Supplement 25

26. CREDIT SUISSE PERSONAL FINANCE
INCOME STATEMENT
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 3 13 19 -77%
Personnel expenses -60 -43 -26 +40%
Other operating expenses -44 -78 -26 -44%
Total operating expenses -104 -121 -52 -14%
Gross operating profit / loss -101 -108 -33 -6%
Depreciation *, write-offs -17 -5 -4 +240%
Losses, provisions 0 -1 0 -
Pre-tax profit / loss -118 -114 -37 +4%
E.o. items, net 1 0 0 -
Taxes 27 9 7 +200%
Net operating profit / loss -90 -105 -30 -14%
* excl. amortisation of goodwill
Supplement 26

27. CREDIT SUISSE PERSONAL FINANCE
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Personal Finance Growth in AuM 3.9% 4.3% 5.7%
AuM, CHF bn * 5.3 5.1 4.8
Number of clients * 29,240 20,097 17,898
Number of advisors * 568 407 331
youtrade Number of transactions, 000s 61 81 106
AuM, CHF bn * 0.7 1.0 0.9
Number of clients * 27,520 28,656 25,228
Number of employees * 1,013 1,011 764
Average allocated equity capital, CHF m 20 29 n/a
* 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 27

28. CREDIT SUISSE PRIVATE BANKING
INCOME STATEMENT
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 1,330 1,502 1,553 -11%
Personnel expenses -430 -438 -437 -2%
Other operating expenses -231 -268 -215 -14%
Total operating expenses -661 -706 -652 -6%
Gross operating profit 669 796 901 -16%
Depreciation *, write-offs -16 -15 -17 +7%
Losses, provisions ** -6 -43 -40 -86%
Pre-tax profit 647 738 844 -12%
E.o. items, net 2 2 2 0%
Taxes -132 -160 -194 -18%
Net operating profit bef. minorities 517 580 652 -11%
Net operating profit 513 576 646 -11%
* excl. amortisation of goodwill
** additional (+) / lower (-) actual credit-related provisions -5 0 -10
Supplement 28

29. CREDIT SUISSE PRIVATE BANKING
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Total revenue / AuM 114 bp 125 bp 131 bp
Operating return on AuM * 44 bp 48 bp 55 bp
Pre-tax margin * 48.8% 49.3% 54.5%
Cost / income ratio * 50.9% 48.0% 43.1%
Fee income / total revenue 69.1% 70.4% 67.6%
AuM, CHF bn ** 438.6 489.1 456.4
Growth in AuM -10.3% 5.5% 2.8%
* excl. amortisation of goodwill
** 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 29

30. CREDIT SUISSE PRIVATE BANKING
KEY FIGURES
Asset driven Transaction driven Other revenue
Gross margin (in bp)
131 127 137
125 114 16% 17% 20% 14% 16%
120 21 22 27 17 18 36% 28% 33% 28%
90 47 36 45 41 33%
32
60
63 70 65 67 64 48% 55% 47% 53% 56%
30
0
Q3/00 Q4/00 Q1/01 Q2/01 Q3/01 Q3/00 Q4/00 Q1/01 Q2/01 Q3/01
Net new assets (CHF bn) Net margin * Gross margin (bp)
12.1
8.4 131 127 137 125 114
3.2 4.7 5.0 55 53 57 48 44
Q3/00 Q4/00 Q1/01 Q2/01 Q3/01 Q3/00 Q4/00 Q1/01 Q2/01 Q3/01
* excl. amortisation of goodwill
Supplement 30

31. CREDIT SUISSE PRIVATE BANKING
COMPOSITION OF ASSETS UNDER MANAGEMENT
AuM categories
Liquidity / MM & other
30% 32% 34% 37%
32% 34% 33% Fixed income
35%
38% 34% 33% 28% Equities
12/00 03/01 06/01 09/01
AuM currency composition
8% 8% 7% 7%
all other currencies
26% 27% 26% 27%
EUR
38% 40% 41% 40% USD
28% 26% 26% 26% CHF
12/00 03/01 06/01 09/01
Supplement 31

32. CREDIT SUISSE ASSET MANAGEMENT
INCOME STATEMENT
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 351 417 394 -16%
Personnel expenses -157 -204 -160 -23%
Other operating expenses -115 -122 -123 -6%
Total operating expenses -272 -326 -283 -17%
Gross operating profit 79 91 111 -13%
Depreciation *, write-offs -8 -8 -8 0%
Losses, provisions 0 0 0 -
Pre-tax profit 71 83 103 -14%
E.o. items, net -13 0 0 -
Taxes -24 -2 -17 -
Net operating profit 34 81 86 -58%
* excl. amortisation of acquired intangible assets and goodwill
Supplement 32

33. CREDIT SUISSE ASSET MANAGEMENT
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Operating return on AuM * 2.9 bp 6.5 bp 7.7 bp
Pre-tax margin * 15.9% 19.5% 25.4%
Cost / income ratio ** 73.7% 76.9% 71.9%
Personnel expenses / operating income ** 40.0% 46.4% 39.5%
AuM, CHF bn *** 434.4 503.4 487.2
Discretionary funds, CHF bn *** 317.8 372.4 360.1
Mutual funds distributed, CHF bn *** 119.2 138.3 136.9
Growth in discretionary AuM -14.7% 4.4% 2.7%
* excl. amortisation of acquired intangible assets and goodwill
** excl. acquisition interest and amortisation of retention payments as well as acquired intangible assets and goodwill
*** 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 33

34. CREDIT SUISSE ASSET MANAGEMENT
KEY FIGURES
Gross margin (bp) Net margin (bp)
excl. acquisition interest excl. amortisation of acquired intangible
assets and goodwill
36 34 31 7.7 6.5
2.9
Q3/00 Q2/01 Q3/01 Q3/00 Q2/01 Q3/01
Net new assets (CHF bn) Composition of discretionary AuM
11% 12% 11% Other
1.2
21% 22% 22%
0.5 Balanced
34% 31% 28%
Equity
34% 35% 39%
-0.7 Fixed
Income
Q3/00 Q2/01 Q3/01 12/00 06/01 09/01
Supplement 34

35. CREDIT SUISSE FIRST BOSTON
REVENUE BY INCOME STATEMENT ITEMS
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Net interest income before acquisition interest 1,256 855 247 +47%
Acquisition interest -163 -200 0 -19%
Net interest income 1,093 655 247 +67%
Net commission & service fee income 2,503 3,008 2,136 -17%
Net trading income 1,909 3,060 2,082 -38%
Other ordinary income, net -180 -109 -62 -65%
Operating income 5,325 6,614 4,403 -19%
n.b.
Brokerage, execution and clearing expenses 215 189 106 +14%
(not netted against operating income, but
presented as part of operating expenses)
Supplement 35

36. CREDIT SUISSE FIRST BOSTON
INCOME STATEMENT (IN CHF)
Q3/01 Q2/01 Q3/00 Change
CHF m CHF m CHF m to Q2/01
Operating income 5,325 6,614 4,403 -19%
Personnel expenses -3,711 -4,130 -2,809 -10%
Other operating expenses -1,375 -1,425 -823 -4%
Total operating expenses -5,086 -5,555 -3,632 -8%
Gross operating profit 239 1,059 771 -77%
Depreciation *, write-offs -219 -226 -139 -3%
Losses, provisions ** -341 -298 -72 +14%
Pre-tax profit -321 535 560 -
E.o. items, net 0 0 0 -
Taxes 117 -92 -132 -
Net operating profit bef. minorities -204 443 428 -
Net operating profit -204 443 424 -
* excl. amortisation of acquired intangible assets and goodwill
** additional (+) / lower (-) actual credit-related provisions +82 -24 -7
Supplement 36

37. CREDIT SUISSE FIRST BOSTON
INCOME STATEMENT (IN USD)
Q3/01 Q2/01 Q3/00 Change
USD m USD m USD m to Q2/01
Operating income 3,169 3,838 2,597 -17%
Personnel expenses -2,208 -2,396 -1,659 -8%
Other operating expenses -819 -830 -488 -1%
Total operating expenses -3,027 -3,226 -2,147 -6%
Gross operating profit 142 612 450 -77%
Depreciation *, write-offs -130 -131 -83 -1%
Losses, provisions ** -203 -176 -42 +15%
Pre-tax profit -191 305 325 -
E.o. items, net 0 0 0 -
Taxes 68 -50 -76 -
Net operating profit bef. minorities -123 255 249 -
Net operating profit -123 255 247 -
* excl. amortisation of acquired intangible assets and goodwill
** additional (+) / lower (-) actual credit-related provisions +49 -15 -4
Supplement 37

38. CREDIT SUISSE FIRST BOSTON
FID REVENUE BREAKDOWN - 9M 2001 YTD
Fixed Income *
Rates
40% Credit
44%
EMG
16%
* Fixed Income revenue includes 50% of fixed income capital markets
Supplement 38

39. CREDIT SUISSE FIRST BOSTON
EQUITY REVENUE BREAKDOWN - 9M 2001 YTD
Equity * US
customer
32%
EDCU
45%
LatAm
customer
1%
Europe
customer
Asia
15%
customer
7%
* Equity revenue includes 50% of equity capital markets
Supplement 39

40. CREDIT SUISSE FIRST BOSTON
IBD REVENUE BREAKDOWN - 9M 2001 YTD
Investment Banking * Other DCM
PE 7% 7%
7%
ECM
18%
Leveraged
finance
11%
M&A
50%
* Investment Banking revenue includes 50% of equity capital markets and 50% of fixed income capital markets
Supplement 40

41. CREDIT SUISSE FIRST BOSTON
KEY PERFORMANCE INDICATORS
Q3/01 Q2/01 Q3/00
Operating ROE * -2.1% 13.0% 15.4%
Pre-tax margin * -2.6% 10.8% 12.7%
Cost / income ratio ** 93.4% 81.9% 85.7%
Personnel expenses / operating income ** 64.4% 57.6% 63.8%
Number of employees *** 27,623 27,687 28,122
Average allocated equity capital, CHF m 17,069 17,653 11,103
* excl. amortisation of retention payments as well as acquired intangible assets and goodwill
** excl. acquisition interest and amortisation of retention payments as well as acquired intangible assets and goodwill
*** 30.09.01, 30.06.01 and 31.12.00 resp.
Supplement 41

42. CREDIT SUISSE FIRST BOSTON
KEY MARKET SHARE FIGURES
Q3/01 YTD 2000 * 1997
Rank Share Gap to 3 Rank Share Gap to 3 Rank Share Gap to 3
Global M&A 3 23.9% none 3 27.0% none 5 12.3% 6.2%
Global Equity 5 9.0% 2.4% 4 11.2% 2.2% 5 4.9% 7.3%
Global Debt 4 8.5% < 0.1% 4 9.1% 0.5% 7 5.4% 3.2%
High Yield 1 16.2% none 1 21.0% none 10 4.0% 7.3%
Equity research
North America 2 52 RA none 1 56 RA none 10 13 RA 26 RA
Europe 1 41 RA none 4 26 RA 10 RA 12 8 RA 26 RA
RA = ranked analysts
* 2000 rankings include DLJ for full year
Supplement 42

43. CREDIT SUISSE FIRST BOSTON
EMERGING MARKETS EXPOSURES
09.2001 06.2001 12.2000
USD m USD m USD m
Asia
Total exposure, net of provisions and off-sets 2,554 2,895 3,233
(whereof provisions) (294) (308) (304)
Americas
Total exposure, net of provisions and off-sets 3,394 3,405 2,068
(whereof provisions) (39) (27) (16)
Eastern Europe
Total exposure, net of provisions and off-sets 1,465 1,996 1,918
(whereof provisions) (26) (45) (258)
Africa
Total exposure, net of provisions and off-sets 703 620 813
(whereof provisions) (29) (29) (29)
Middle East
Total exposure, net of provisions and off-sets 518 496 392
(whereof provisions) (12) (12) (12)
Supplement 43

44. CREDIT SUISSE FIRST BOSTON
TRADING EXPOSURE (99% 1-day VaR)
09.2001 06.2001 03.2001 12.2000
VaR by risk type USD m USD m USD m USD m
Interest rate 107.2 79.8 97.6 80.5
Foreign exchange 15.2 17.1 15.7 8.9
Equity 23.3 21.2 12.7 24.2
Commodity 2.5 1.1 2.2 1.5
Diversification benefit -63.2 -46.9 -44.4 -31.0
Total VaR at period end 85.0 72.3 83.8 84.1
Average during quarter 78.0 73.0 82.4 86.7
Maximum during quarter 95.2 85.3 99.4 103.9
Minimum during quarter 63.1 66.6 69.5 75.5
Standard deviation of trading P&L USD m USD m USD m USD m
Quarter 25.1 21.8 24.0 17.1
YTD 21.7 23.0 24.0 18.4
Comment:
§ Reported VaR as disclosed based on model approved by regulators
§ Difference between reported VaR and observed trading volatility caused by model conservatism
§ quot;Observed VaRquot; looks at actual trading P&L volatility; best method for peer comparison
Supplement 44

45. TRADING INCOME
Change vs.
Q2 2001
in CHF m 3,216
3,049
610 968
2,275
1,998
578 Debt - 50%
1,615 1,525 486
instruments
338 1,703
1,151 Equity - 29%
881 1,217
instruments
586
419 250 FX, banknotes, + 32%
294 329 prec. metals
127 102 329 294 -34 Other -
Q3/00 Q4/00 Q1/01 Q2/01 Q3/01 Total - 38%
Supplement 45

46. BIS CAPITAL ADEQUACY CALCULATION AS OF
30 SEPTEMBER 2001
in CHF m
37,937
1,828 36,109 36,109
WGR 4,796 1,554
WGR 2,968 1,414 237,347
CSB minorities, 14,784
4,377 CSG par 2,968
CSPF 17 goodwill, value
CSPB 3,504 and issued for
CSAM 1,208 other adj. WGR
merger in 21,325
1997 1,554
33,141 34,555 Goodwill
CSFB 16,158 and
other adj
banking 19,771 234,379
Corp. 7,877 Tier 1 RWA
Centre banking banking
CSG Total Total
Equity Tier 1 RWA
Supplement 46

47. CAPITAL EXPOSURE & PROVISION DEVELOPMENT
CSG CONSOLIDATED
9M YTD FY FY FY
in CHF m 2001 2000 1999 1998
Counterparty exposure * 418,330 405,215 372,726 334,816
Funded exposure 272,186 256,651 242,272 225,089
Non-performing loans (NPLs) * 9,165 9,826 12,851 14,009
NPLs / counterparty exposure 2.2% 2.4% 3.4% 4.2%
NPLs / funded exposure 3.4% 3.8% 5.3% 6.2%
Capital provisions against NPLs ** 5,148 6,191 8,135 8,873
Coverage ratio of NPLs 56% 63% 63% 61%
Provision expense (P&L) 766 816 1,012 2,547
Prov. expense / counterp. exposure 24 bp 20 bp 27 bp 76 bp
Prov. expense / funded exposure 38 bp 32 bp 42 bp 113 bp
* includes loans and loan equivalents
** excludes interest (fully provided) 1,407 1,906 2,245 2,448
Supplement 47

48. CAPITAL EXPOSURE & PROVISION DEVELOPMENT
CSB + CSPB
9M YTD FY FY FY
in CHF m 2001 2000 1999 1998
Counterparty exposure * 167,471 165,575 160,476 139,530
Funded exposure 138,759 135,779 133,201 118,497
Non-performing loans (NPLs) * 6,270 8,347 10,964 12,105
NPLs / counterparty exposure 3.7% 5.0% 6.8% 8.7%
NPLs / funded exposure 4.5% 6.1% 8.2% 10.2%
Capital provisions against NPLs ** 3,600 5,202 6,553 7,326
Coverage ratio of NPLs 57% 62% 60% 61%
Provision expense (P&L) 175 309 440 668
Prov. expense / counterp. exposure 14 bp 19 bp 27 bp 48 bp
Prov. expense / funded exposure 17 bp 23 bp 33 bp 56 bp
* includes loans and loan equivalents
** excludes interest (fully provided) 1,407 1,906 2,245 2,448
Supplement 48

49. CAPITAL EXPOSURE & PROVISION DEVELOPMENT
CSFB
9M YTD FY FY FY
in CHF m 2001 2000 1999 1998
Counterparty exposure * 250,859 239,640 212,250 195,286
Funded exposure 133,427 120,872 109,071 106,592
Non-performing loans (NPLs) * 2,895 1,479 1,887 1,904
NPLs / counterparty exposure 1.2% 0.6% 0.9% 1.0%
NPLs / funded exposure 2.2% 1.2% 1.7% 1.8%
Capital provisions against NPLs 1,548 989 1,582 1,247
Coverage ratio of NPLs 53% 67% 84% 65%
Provision expense (P&L) 587 425 253 1,595
Prov. expense / counterp. exposure 31 bp 18 bp 12 bp 82 bp
Prov. expense / funded exposure 59 bp 35 bp 23 bp 150 bp
* includes loans and loan equivalents
Supplement 49

50. CAUTIONARY STATEMENT REGARDING
FORWARD-LOOKING INFORMATION
This presentation may contain projections or other forward-looking
statements related to Credit Suisse Group that involve risks and
uncertainties. Readers are cautioned that these statements are only
projections and may differ materially from actual future results or events.
Readers are referred to the documents filed by Credit Suisse Group
with the SEC, specifically the most recent filing on Form 20-F, which
identify important risk factors that could cause actual results to differ
from those contained in the forward-looking statements, including,
among other things, risks relating to market fluctuations and volatility,
significant interest rate changes, credit exposures, cross border
transactions and foreign exchange fluctuations, impaired liquidity,
competition and legal liability. All forward-looking statements are based
on information available to Credit Suisse Group on the date of its
posting and Credit Suisse Group assumes no obligation to update such
statements unless otherwise required by applicable law.
Supplement 50