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Spokesman’s letter

Management Report

Group Highlights

Business Segment Review

Corporate and Investment Bank

Private Clients and Asset Management

Corporate Investments

Share Buyback Program

Consolidated Financial Statements

Income Statement

Earnings per Share

Comprehensive Income

Changes in Shareholders’ Equity

Cash Flow Statement

Basis of Presentation

Changes in Accounting Principles

EITF 03-1 and FSP EITF 03-1-1

Segment Information

Segmental Results of Operations

Revenue Components CIB

Revenue Components PCAM

Reconciliation of Segmental Results

Information on the Income Statement

Net Interest and Trading Revenues

Pensions and Other Postretirement Benefits

SFAS 123 Pro forma Information

Information on the Balance Sheet

Allowances for Credit Losses

Other Assets and Other Liabilities

Liability for Restructuring Activities

Other Financial Information

Off-Balance Sheet Credit Risk

Capital According to BIS

BIS Risk Position

Other Information

RoE Target Definition

Definitions of Financial Measures

Underlying Results

Underlying Ratios

Supplementary Information

Accountants' Review

Group Executive Committee

Supervisory Board

Calendar 2005/2006