Results for the 1st quarter of 2013

May 6th, 2013

Agenda
Key messages Results for the 1st quarter 2013 Client Groups Balance Sheet Key Figures

Key messages
Operating Profit of CHF 6.8m Solid results in a slowly recovering economical environment

Key messages
Strong Net New Monies of CHF 241m - Total Assets under Custody of CHF 9.1bn

Net new monies of CHF 241 million in the first quarter 2013

Total assets under custody crossed the 9 bn mark for the first time : CHF 9108 million.

Key messages
2865 new clients accounts over the last 12 months to 203005 in total. 1423 in first quarter 2013.

Key messages
Successful partnership with BLKB Around CHF 200m mortgages

Key messages
Swiss DOTS

9500 transactions in January 2013; 41000 products and 13.9% market share Further development of the platform during 2013

Banking Services for Expats in the Middle East

Exclusive Swissquote banking services targeting expats in the Middles East Local Support from our licensed (DFSA CAT 4 Licence) subsidiary in the Dubai International Financial Centre. All-In-One multi currency account for Trading and Savings. Already about 100 active clients

New website www.swissquote.ae Swissquote Magazine in English to support sales and marketing efforts

Results for the 1st quarter 2013

Revenues & Profitability

8.4%

New: Operating Revenues and total net revenues to better measure operational performance and unrealized Fair Value adjustments. (In preparation for IFRS 9) Total Operating Revenues at 28.7m (+1.9% vs., Q1-2013, +9.1% vs. Q4-2012) Total Net Revenues at 28.4m (-12.8% vs., Q1-2013, +8.4% vs. Q4-2012) Pre-tax Profit at 6.8m with margin of 19.5% Net Profit at 5.5m with margin of 24.0%

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Equity and Earnings per Share

Adoption of Basel III framework Solid core capital ratio (CET 1) of 25.4% Total equity increases to CHF 245.3 million Earnings per share at CHF 0.38 for the first quarter 2013

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Expenses & Profit Margin

Controlled costs at CHF 21.6 million (+3.4% vs. Q4-2012, +1.4% vs. Q1-2012)

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Revenues and Client Groups

Total revenues are -2.8% lower than in the previous year Trading Segment with a positive growth (+15.8%) due to a a better trading activity Forex & Trading Income have been impacted by the unrealised fair value adjustment which represented a negative impact of around CHF 0.3 million during the first quarter 2013 (compared to the positive impact of CHF 1.0 million in Q1-2012)

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Client Groups

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Trading Accounts - Growth

160978 Trading accounts (+0.9 % vs. Q1-2012) Trading assets at CHF 8.3 billion (+8.7 % vs. Q1-2012) Average assets per account at ~ CHF 51.6

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Trading Accounts - Transactions

Transactions per client per year at the highest since Q3-2011 at 13.0. The total number of transactions at around 520000 during the first quarter 2013 (+4.1% compared to the previous year)

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Saving Accounts Growth and Total Assets

30153 Saving accounts Stable Saving assets

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Growth of Balance Sheet

Total Balance Sheet of CHF 2.8bn stable vs Q4-2012

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eForex Accounts Growth and Total Assets

11067 active clients CHF 127.9 million eForex assets (+5.6% vs. Q1-2012)

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eForex Accounts Volumes

Total volumes for the 1st quarter 2013 at CHF 66.5 billion Activity revenues reached CHF 6.8 million

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Balance Sheet

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Balance Sheet on 31st March 2013

Actual 31.03.2013 31.03.2012* Assets Cash & TBs with Central Bank Loans & advances to banks Investment securities Loans & advances to customers Fixed assets Derivatives financial instruments Other assets Total Assets Liabilites & Equity Due to customers : Trading accounts Saving accounts Derivatives financial instruments Other liabilities Equity Total Liabilities & Equity 1'463.1 215.4 838.2 106.1 70.2 35.0 63.7 2'791.7 1'340.9 321.0 802.3 106.6 57.2 26.7 59.9 2'714.6 Chg 122.2 -105.6 35.9 -0.5 13.0 8.3 3.8 77.1

2'068.4 433.7 3.8 40.5 245.3 2'791.7

2'007.6 416.3 11.5 41.0 238.2 2'714.6

60.8 17.4 -7.7 -0.5 7.1 77.1

* Due to revised IAS19 standard, comparative figures reported in our Q1-2013 Financial Report may differ from proforma figures disclosed here above (see note 9 of our Q1-2013 Financial Report)

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Balance Sheet Structure on 31st March 2013

* Due to revised IAS19 standard, comparative figures reported in our Q1-2013 Financial Report may differ from proforma figures disclosed here above (see note 9 of our Q1-2013 Financial Report)

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Key Figures

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Key Figures for the first quarter 2013

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