1/35
Introduction
2/35
Disclaimer
3/35
Table of Contents
4/35
Executive Summary FY 2015
5/35
FY 2015 - Financial Highlights
6/35
Positive Trends in most of our Markets
7/35
Route To Target CET1 ratio (fully loaded)
8/35
Transformation Program Update
9/35
Robust Performance in Russia
10/35
Portfolio Facts & Figures: Russia
11/35
Headwinds in Poland
12/35
Regulatory Topics in Poland
13/35
Macro Outlook
14/35
Outlook and Targets
15/35
Questions and Answers 1
16/35
Table of Contents
17/35
Q4/2015 - Financial Highlights
18/35
Development of Financial Ratios in FY 2015
19/35
Fy 2015 Distribution of Profit before Tax
20/35
Overview of Key Financials
21/35
Overview of Balance Sheet
22/35
Revenue Composition
23/35
Expense Base Breakdown
24/35
Regulatory Capital Overview
25/35
RWA Reduction Path in 2015
26/35
Funding Overview
27/35
Table of Contents
28/35
Diversified Risk Profile
29/35
Portfolio Overview
30/35
Oil and Gas Portfolio with limited Sector Exposure in Russia
31/35
RWA (Total) Overview
32/35
NPL Development
33/35
Provisioning
34/35
Breakdown CHF Loan Exposures
35/35
Questions and Answers 2