slide 1 investor and analyst presentation credit suisse financial services thomas wellauer chief executive officer ulrich körner 7 december 2001 2 contents n track record newcsfs industry perspective mission strategy priorities targets outlook cautionary statement regarding forward looking information 3 positioning private banking has become a benchmark in the strong top line growth 13 pa net margin on assets consistently above 45bp market leader open architecture eg fundlab insurancelab continuous product innovation alternative investments neutral products solid profitability at massive turnaround since 1997 roe today 15 6 of 9 improvement risk portfolio non performing loans reduced from chf 10 8bn to 5 3bn share gains home insurance 24 life 22 retail among clients 18 smes large corporates e business directnet youtrade webinsurance 4 restructuring exit high businesses divestiture closure asian eastern