.credit-suisse- Supplements

SUPPLEMENTS TO THE 4TH QUARTER 2001 RESULTS

SUPPLEMENTS TO THE FULL YEAR AND FOURTH QUARTER 2001 RESULTS

Zurich, March 12, 2002

Supplement 3

In CHF m

Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation, write-offsLosses, provisions *Pre-tax profitNet extraordinary itemsTaxesNet profit bef. minorities

CSFS

2,212-842-800

-1,642570

-317-103150

-2-14134

CSPB

1,370-402-265-667703-3055

72810

-137601

CSAM

430-130-122-252178-36

0142

0-22120

CSFB

4,142-3,156-1,513-4,669

-527-625

-1,207-2,359

0655

-1,704

CC& Adj.

7-95428333340

-118-34188

-26556

-21

BUSINESS UNIT RESULTS Q4 2001 – OVERVIEW

CSG

8,161-4,625-2,272-6,8971,264

-1,126-1,289-1,151

-257538

-870

* ? to actual credit provisions at CC +11 -1 +112

Supplement 4

Cash & time depositsSafe custody accountsFI/Equities/Balanced

whereof Fixed incomewhereof Equitieswhereof Balanced/Other

Investment fundswhereof CSAM inv. fundswhereof other CSG funds *whereof external funds

Other (derivatives, etc.)FiduciaryInsurance AuMTotal

whereof discretionary

CSPBCHF bn

32373233126107

-136

5065214

64-

469128

CSAMCHF bn

8500475208168

99----

251-

509364

CSFBCHF bn

14159107

3275

-521237300-

17364

CSGCHF bn

1081,115

845375371

99233

95108

303769

1341,426

700

CSFSCHF bn

548229

821

-45336684

134274144

ASSETS UNDER MANAGEMENT AS PER 31.12.2001

* incl. private equity on behalf of clients

Supplement 5

WINTERTHUR INSURANCEINCOME STATEMENT (insurance chart of account)

Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *Profit before taxes *TaxesNet operating profit before minorities *Net operating profit *

Q4/01CHF m

3,795-2,837

-50-1,081

-173503

-4-35

-21675

78284

Q1/01CHF m

3,617-2,799

-112-1,049

-343529

7-2643

210-60150133

Q3/01CHF m

3,708-2,817

-78-1,033

-220360

9-2522

146-5195

102

Q2/01CHF m

3,887-3,056

-71-1,172

-412825

17-41-14375

-120255217

2001CHF m15,007

-11,509-311

-4,335-1,1482,217

29-127-165806

-224582536

* excl. amortization of goodwill

Supplement 6

WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) 2001in CHF m

Net premiums earnedClaims and annuities incurred, netDividends to policyholders incurred, netOperating exp., net (incl. commissions paid)Underwriting result, netNet investment incomeInterest received on deposits & bank accountsInterest paidOther income / expense, net (incl. FX differences) *

Profit before taxes *

BUformat

15,007-11,509

-311-1,938

2,21829

-127-133

3,236

Operatingincome

Insuranceformat

15,007-11,509

-311-4,335-1,1482,217

29-127-165

806

BUformat

-2,261

-2,261

Operatingexpenses

BUformat

-136

-1

-32

-169

Depreci-ation *


Supplement 7

WINTERTHUR INSURANCEINCOME STATEMENT (BU format reconciliation) Q4/01in CHF m



BUformat3,795

-2,837-50

-468

504-4

-35-206

699

Operatingincome

Insuranceformat3,795

-2,837-50

-1,081-173503

-4-35

-216

75

BUformat

-558

-558

Operatingexpenses

BUformat

-55

-1

-10

-66

Depreci-ation *


Supplement 8




BUformat3,708

-2,817-78

-446

3609

-2515

726

Operatingincome


-2,817-78

-1,033-220360

9-2522

146

BUformat

-554

-554

Operatingexpenses

BUformat

-33

7

-26

Depreci-ation *


Supplement 9




BUformat3,887

-3,056-71

-573

82517

-418

996

Operatingincome


-3,056-71

-1,172-412825

17-41-14

375

BUformat

-574

-574

Operatingexpenses

BUformat

-25

-22

-47

Depreci-ation *


Supplement 10




BUformat3,617

-2,799-112-451

5297

-2650

815

Operatingincome


-2,799-112

-1,049-343529

7-2643

210

BUformat

-575

-575

Operatingexpenses

BUformat

-23

-7

-30

Depreci-ation *


Supplement 11

WINTERTHUR INSURANCEINCOME STATEMENT (BU reporting format)


Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation of non-current assets *Losses, provisionsPre-tax profit *TaxesNet operating profit bef. minorities *Net operating profit *

2001CHF m

3,236-1,388

-873-2,261

975-169

0806

-224582536

Q1/01CHF m

815-356-219-575240-30

0210-60150133

Q4/01CHF m

699-297-261-558141-66

0757

8284

Q2/01CHF m

996-386-188-574422-47

0375

-120255217

Q3/01CHF m

726-349-205-554172-26

0146-5195

102

Supplement 12

WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (insurance chart of account)

Net premiums earnedDeath and other benefits incurredChange in prov. for future policyholder benefitsDividends to policyholders incurredOperating exp., net (incl. commissions paid)Net investment incomeInterest received on deposits & bank accountsInterest on bonuses credited to policyholdersOther interest paidOther income / expense, net (incl. FX differences) *

Profit before taxes *TaxesNet operating profit before minorities *Net operating profit *

2001CHF m17,188

-12,167-5,457

-287-1,8683,651

86-135-225

-53733

-153580578

Q1/01CHF m

6,1243,686

-2,094-403-372793

13-32-37-39267-63204199

Q3/01CHF m

3,048-2,560

553-114-463-376

25-27-351162

46660

Q2/01CHF m

3,183-2,687-1,205

-228-581

1,91924

-40-62-27296-66230214

Q4/01CHF m

4,833-3,234-2,711

458-452

1,31524

-36-91

2108-2880

105


Supplement 13

in CHF m



Insuranceformat

17,188-12,167

-5,457-287

-1,8683,651

86-135-225

-53

733

BUformat

-326-6

-18

-350

Depreci-ation *

BUformat

17,188-12,167-5,457

-287-122

3,65786

-135-225-35

2,503

Operatingincome

BUformat

-1,420

-1,420

Operatingexpenses

WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) 2001


Supplement 14

in CHF m




-3,234-2,711

458-452

1,31524

-36-91

2

108

BUformat

-88-2

-2

-92

Depreci-ation *

BUformat4,833

-3,234-2,711

4581

1,31724

-36-91

4

565

Operatingincome

BUformat

-365

-365

Operatingexpenses

WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU format reconciliation) Q4/01


Supplement 15

in CHF m




-2,560553

-114-463-376

25-27-3511

62

BUformat

-91-1

-8

-100

Depreci-ation *

BUformat3,048

-2,560553

-114-12

-37525

-27-3519

522

Operatingincome

BUformat

-360

-360

Operatingexpenses



Supplement 16

in CHF m




-2,687-1,205

-228-581

1,91924

-40-62-27

296

BUformat

-89-3

-4

-96

Depreci-ation *

BUformat3,183

-2,687-1,205

-228-116

1,92224

-40-62-23

768

Operatingincome

BUformat

-376

-376

Operatingexpenses



Supplement 17

in CHF m




-3,686-2,094

-403-372793

13-32-37-39

267

BUformat

-58

-4

-62

Depreci-ation *

BUformat6,124

-3,686-2,094

-4035

79313

-32-37-35

648

Operatingincome

BUformat

-319

-319

Operatingexpenses



Supplement 18

WINTERTHUR LIFE & PENSIONSINCOME STATEMENT (BU reporting format)


Operating incomePersonnel expensesOther operating expensesTotal operating expensesGross operating profitDepreciation of non-current assets *Losses, provisionsPre-tax profit *TaxesNet operating profit bef. minorities *Net operating profit *

2001CHF m

2,503-749-671

-1,4201,083-350

0733

-153580578

Q1/01CHF m

648-183-136-319329-62

0267-63204199

Q4/01CHF m

565-142-223-365200-92

0108-2880

105

Q2/01CHF m

768-212-164-376392-96

0296-66230214

Q3/01CHF m

522-212-148-360162

-1000

624

6660

Supplement 19

Gross margin (in bp)

70 65 67 64 67

36 45 41 32 31

22 27 17 18 22

0306090

120

Q4/00 Q1/01 Q2/01 Q3/01 Q4/01

CREDIT SUISSE PRIVATE BANKINGGROSS AND NET MARGINS

Net margin (in bp) *53 57

48 4453

Q4/00 Q1/01 Q2/01 Q3/01 Q4/01

FY 2001: 50 bp

114 120127 137 125

* excl. amortisation of goodwill

Other revenue

Transaction driven

Asset driven

Supplement 20

CREDIT SUISSE PRIVATE BANKINGCOMPOSITION OF ASSETS UNDER MANAGEMENT

28% 26% 26% 26% 25%

38% 40% 41% 40% 40%

26% 27% 26% 27% 27%

7%7%8% 8% 7%

12/00 03/01 06/01 09/01 12/01

AuM currency composition

38% 34% 33% 28% 30%

32% 34% 33% 35% 32%

30% 32% 34% 37% 38%

12/00 03/01 06/01 09/01 12/01

AuM categories

Liquidity / MM & other

Fixed income

Equities

EUR

USD

CHF

all other currencies

Supplement 21

CREDIT SUISSE ASSET MANAGEMENTCOMPOSITION OF DISCRETIONARY AuM

34% 36% 35% 39% 39%

34% 31% 31% 28% 31%

21% 21% 22% 22% 19%

11% 12% 12% 11% 11%

12/00 03/01 06/01 09/01 12/01

Other

Balanced

Equity

Fixed Income

Supplement 22

CREDIT SUISSE FIRST BOSTONREVENUE BY INCOME STATEMENT ITEMS

Net interest income before acquisition interestAcquisition interest

Net interest incomeNet commission & service fee incomeNet trading income

Other ordinary income, netExceptional items

Other ordinary income, netOperating income

n.b.Brokerage, execution and clearing expenses(not netted against operating income, but presented as part of operating expenses)

2001CHF m

3,771-770

3,00111,519

8,900-561-34

-59522,825

-901

Q1/01CHF m

854-243

6113,2172,949

-33-

-336,744

-157

Q4/01CHF m

806-164

6422,791

982-239

-34-273

4,142

-340

Q2/01CHF m

855-200

6553,0083,060

-109-

-1096,614

-189

Q3/01CHF m

1,256-163

1,0932,5031,909

-180-

-1805,325

-215

Supplement 23

CREDIT SUISSE FIRST BOSTONFID REVENUE BREAKDOWN - 2001

EMG13%

Rates42% Credit

45%

Fixed Income *

* Fixed Income revenue includes 50% of fixed income capital markets

Supplement 24

CREDIT SUISSE FIRST BOSTONEQUITY REVENUE BREAKDOWN - 2001

US customer

34%

LatAm customer

2%

Europe customer

16%

Asia customer

8%

EDCU40%

Equity *

* Equity revenue includes 50% of equity capital markets

Supplement 25

CREDIT SUISSE FIRST BOSTONIBD REVENUE BREAKDOWN - 2001

Leveraged finance10%

M&A54%

Other7%

ECM21%

DCM8%

Investment Banking *

* Investment Banking revenue includes 50% of equity capital markets and 50% of fixed income capital markets

Supplement 26

CREDIT SUISSE FIRST BOSTONEMERGING MARKETS EXPOSURES

AsiaTotal exposure, net of provisions and off-sets(whereof provisions)

AmericasTotal exposure, net of provisions and off-sets(whereof provisions)

Eastern EuropeTotal exposure, net of provisions and off-sets(whereof provisions)

AfricaTotal exposure, net of provisions and off-sets(whereof provisions)

Middle EastTotal exposure, net of provisions and off-sets(whereof provisions)

12.2000USD m

3,233(304)

2,068(16)

1,918(258)

813(29)

392(12)

12.2001USD m

3,051(296)

3,288(118)

1,561(16)

690(16)

328(10)

09.2001USD m

2,554(294)

3,394(39)

1,465(26)

703(29)

518(12)

Supplement 27

LoansLoan equivalent exposure

Money marketF/X, precious metalsDerivatives

Trading positionsFixed incomeEquities

Reverse repos (country exposure)

Total, gross

Net notional FX positionProvisions

Net exposure

ArgentinaUSD m

21155

055

0

000

5

271

234(79)

426

BrazilUSD m

382468

0484(16)

1,2111,165

45

873

2,933

(1,511)0

1,422

ARGENTINA & BRAZIL EXPOSURE - CSFB(at close of business 31 December 2001)

Supplement 28

BANK FEE & COMMISSION INCOME

365 310 375

1,104 1,518 1,116 1,101 1,082

2,187 1,7642,033

1,389 1,780

1,250 1,222 1,256

1,1621,177

-261-249-235-220-110

382333

158240

161221237

Q4/00 Q1/01 Q2/01 Q3/01 Q4/01

in CHF m

3,953

4,6954,311

5,001 4,886

Other + 21%

Commission exp. + 5%

Brokerage - 2%

Change vs.Q3 2001

Lending related - 34%

Portfolio Mgmt. + 1%

Underwriting &Corporate + 28%Finance

§ Fees & commissions up 9% vs. Q3/01 on slight pick up in market activity§ Lending related fees down on less syndication business

Total + 9%

Supplement 29

BIS CAPITAL ADEQUACY CALCULATION AS OF31 DECEMBER 2001

7,404

33,644 35,058

1,4523,735

5,277 3,167 1,753

3,167

2,110

1,414

219,70719,402

16,754

4,286

1,753

15,656

Corp.Centre

CSFB

CSAM

CSPF 13CSB

CSPB

WGRWGR

minorities,goodwill,

andother adj.

CSGEquity

TotalTier 1

Tier 1banking

TotalRWA

38,921

222,874

21,155

RWAbanking

in CHF m

36,811 36,811

CSG par value

issued for WGR

merger in 1997

Goodwilland

other adj.banking

Supplement 30

TOTAL COUNTERPARTY EXPOSUREINDUSTRY BREAKDOWN

Selected Industries§ Aircraft / Air Transport: 0.8%§ Automotive: 0.6%§ Computer: 2.3%§ Energy: 5.1%§ Health Care: 1.2%§ Telecom: 2.6%

Services16.0%

Manufacturing10.1%

RE & Const.7.5%

Financial Enterprises

38.4%

Public2.5%

Individuals16.5%

Other2.2%

Energy/Environ.5.1%

Agri/Mining1.8%

Total exposure: CHF 400 bn(as of 31 December 2001)

Supplement 31

in CHF m

LendingUnused committed facilitiesContingent exposures

Credit exposures (excl. counterparty trading)Counterparty trading

Total counterparty exposures *

Non-performing loans (NPLs) *NPLs / credit exposures (excl. counterparty trading)NPLs / total counterparty exposures

Capital provisions against NPLs **Coverage ratio of NPLs

Provision expense (P&L)Prov. expense / credit exp. (excl. counterp. trading)Prov. expense / total counterparty exposures

CS & IPBlegal entities

142,15612,08115,638

169,875978

170,853

5,9183.5%3.5%

3,52360%

29317 bp17 bp

CSFBlegal entity

46,108101,719

9,883157,710

71,808229,518

3,7482.4%1.6%

2,20559%

1,21477 bp53 bp

CSGconsolidated

188,264113,800

25,521327,585

72,786400,371

9,6663.0%2.4%

5,72859%

1,50746 bp38 bp

EXPOSURES, NPLs, PROVISION EXPENSEFY 2001

* includes loans and loan equivalents** excludes interest (fully provided) 1,385 - 1,385

Supplement 32

in CHF m







Q103/01

198,178125,137

24,366347,680

75,198422,878

9,7302.8%2.3%

5,99762%

20724 bp20 bp

Q309/01

190,806122,276

22,478335,560

82,770418,330

9,1652.7%2.2%

5,14856%

40148 bp38 bp

Q412/01

188,264113,800

25,521327,585

72,786400,371

9,6663.0%2.4%

5,72859%

70086 bp70 bp

EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CSG CONSOLIDATED

* includes loans and loan equivalents** excludes interest (fully provided) 1,385 1,407 1,685 1,830

Q206/01

193,071133,515

23,841350,427

80,837431,263

9,7402.8%2.3%

5,86960%

19823 bp18 bp

Supplement 33

in CHF m







Q103/01

139,91714,01615,699

169,6321,645

171,277

7,9264.7%4.6%

4,90962%

4210 bp10 bp

Q309/01

138,75912,43214,890

166,0811,390

167,471

6,2703.8%3.7%

3,60057%

7518 bp18 bp

Q412/01

142,15612,08115,638

169,875978

170,853

5,9183.5%3.5%

3,52360%

7417 bp17 bp

EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CS & IPB LEGAL ENTITIES

* includes loans and loan equivalents** excludes interest (fully provided) 1,385 1,407 1,685 1,830

Q206/01

141,31412,20616,210

169,7301,704

171,433

7,0724.2%4.1%

4,46463%

10224 bp24 bp

Supplement 34

in CHF m





Capital provisions against NPLsCoverage ratio of NPLs


Q103/01

58,261111,121

8,667178,049

73,553251,602

1,8041.0%0.7%

1,08860%

16537 bp26 bp

Q309/01

52,047109,844

7,588169,479

81,380250,859

2,8951.7%1.2%

1,54853%

32677 bp52 bp

Q412/01

46,108101,719

9,883157,710

71,808229,518

3,7482.4%1.6%

2,20559%

627159 bp109 bp

EXPOSURES, NPLs, PROVISION EXPENSE2001 QUARTERLY - CSFB LEGAL ENTITY

* includes loans and loan equivalents

Q206/01

51,758121,308

7,631180,697

79,133259,830

2,6681.5%1.0%

1,40553%

9621 bp15 bp

Supplement 35

in CHF m







CS & IPBlegal entities

135,77911,58016,583

163,9421,633

165,575

8,3475.1%5.0%

5,20262%

45328 bp27 bp

CSFBlegal entity

55,771109,574

9,194174,539

65,102239,641

1,4790.8%0.6%

98967%

42524 bp18 bp

CSGconsolidated

191,550121,154

25,777338,481

66,735405,216

9,8262.9%2.4%

6,19163%

87826 bp22 bp

EXPOSURES, NPLs, PROVISION EXPENSEFY 2000

* includes loans and loan equivalents** excludes interest (fully provided) 1,906 - 1,906

Supplement 36

CAUTIONARY STATEMENT REGARDINGFORWARD-LOOKING INFORMATION

This presentation may contain projections or other forward-looking statements related to Credit Suisse Group that involve risks anduncertainties. 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.

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