This slide describes UBS's balanced mix of personal and corporate banking, highlighting the client base and services offered.

Analyzes UBS Group AG's CET1 capital changes, risk-weighted assets, and leverage ratio denominator, providing insights into financial health.

The chart shows diverging performance trends between UBS and CS in their P&C segments. UBS’s profits rose steadily while CS experienced a 35% decline, emphasizing the rationale for UBS’s acquisition and integration efforts.

The slide depicts Credit Suisse's decline in profitability, customer deposits, and client trust leading up to UBS’s intervention. It emphasizes steep declines during 2022–2023 and underscores UBS's role in stabilizing the situation.

Focuses on UBS’s GWM Americas business, showing consistent PBT margin growth potential from FY24 to FY28e. Lists key strategic levers like HNW growth, infrastructure, and ROI-driven tech investments.

Shows the merger plan of Credit Suisse AG into UBS AG in 2024, detailing the structure and entities involved as of 30 September 2023.

This slide outlines UBS's strategies for driving efficient growth, focusing on client acquisition, digital capabilities, and market expertise.

Highlights UBS’s progress in reducing non-core and legacy (NCL) complexity, operating expenses, and risk-weighted assets. Includes targets for FY25 and YE26 and progress on IT decommissioning and book closures.

This slide emphasizes UBS's partnership approach, detailing various client types and areas of collaboration to deliver comprehensive services.

This slide highlights UBS's strategies for growing revenues, emphasizing the importance of recurring and transaction income and future income projections.

Tracks UBS’s RoCET1 from 17% in FY22 to a projected 18% in FY28. Emphasizes recovery from a dip in 2H23 and the role of integration in supporting long-term sustainable growth and lower cost/income ratios.

Illustrates UBS’s planned increase in underlying RoCET1 to ~15% by 2026 through core business growth, cost savings, and tax management. Each driver is annotated with expected quantitative and qualitative impacts.

This slide emphasizes UBS's leadership position in Switzerland's banking sector, supported by key financial metrics and market share data.

Presents UBS Group AG's balance sheet for Q4 2023, detailing various asset and liability components and the overall coverage ratio.

Analyzes UBS Group AG's capital market activities, including bond issuances and redemptions, funding plans, and strategies for future issuances.

Discusses UBS Group AG's strong capital position, future CET1 ratios, funding cost savings, and expected capital ratios post-Credit Suisse merger.

UBS reports achieving 58% of its cost save target by YE24 and projects reaching 13bn in savings by YE26. The slide details declines in operating expenses and outlines cumulative integration costs.

Provides an overview of UBS’s progress in lowering cost/income ratios and improving RoAE across core business units. Forecasts continued improvement by 2026, aiming for sustainable profitability.

Compares credit ratings of holding companies, highlighting UBS's position relative to other financial institutions.

Compares long-term senior unsecured debt credit ratings of UBS and its peers across major rating agencies.

Analyzes UBS Group's diversified deposit base, including types of deposits, currency distribution, and client segments.

Compares UBS’s business model and revenue composition to GSIB averages, emphasizing UBS's 60% revenue share from wealth & asset management. The regional revenue breakdown highlights UBS’s global reach and diversified model.

Highlights UBS’s outperformance of 2024 financial targets, including higher RoCET1 (8.7% vs. mid-single digit) and lower RWAs. It underscores efficient cost saving and a CET1 ratio exceeding guidance.

Details UBS Group's funding diversification strategy, highlighting sources of funds, maturity timelines, and currency breakdowns.

Discusses UBS Group AG's liquidity coverage ratio, efficiency, safety, and strategies to meet stringent Swiss liquidity requirements.

This slide outlines UBS's liquidity and funding risk management framework, detailing regulatory requirements, stress testing scenarios, and governance structures for financial stability.

Overview of UBS Group AG's loan portfolio, including mortgages, Lombard loans, corporate loans, and other loans with specific details.

Demonstrates improved operating leverage for UBS in Q4 2024, driven by a 6% revenue increase and a 6% cost reduction. Profit before tax jumped 198% YoY. Also shows reported net profit and EPS alongside return metrics.

Presents the financial results for UBS Group in 2Q23, highlighting profits, tax implications, and restructuring costs from the Credit Suisse acquisition.

Presents a decade of growth for UCB, showing a 50% increase in revenue, 75% rise in EBITDA, and a tripling of market cap from 2015 to 2024. The slide attributes this success to continuous innovation investment and underlines future commitment to shareholder value.

Focused on UEFA Women’s EURO 2025, this slide analyzes ticket sales and fan engagement. It shows international reach (112 countries), top purchasing countries, and ticket sales statistics, highlighting the event’s global appeal and potential for high attendance.

This slide discusses the importance of private markets for ultra-high-net-worth (UHNW) and family office investors. It highlights the strategic asset allocation for 2022.

The slide highlights the value Credit Suisse provides to UHNW clients by addressing their asset and liability needs, focusing on wealth investment, asset diversification, and tailored solutions for consolidating and monetizing wealth.

The slide discusses strategies for growing top clients and outlines the client journey for entrepreneurs, highlighting significant growth opportunities.

Focus on ultra-high-net-worth individuals' spending.

Insights into personalized luxury shopping experiences.

The slide presents market feedback on the role of UIC (International Union of Railways) in supporting Central Asia rail development. Stakeholders value UIC’s support in awareness-building, network access, coordination, and standardization efforts.

Focuses on UK Corporate Bank's Q424 financial performance. Showcases stable RoTE with YoY income growth led by transaction banking. Loan-deposit ratio and CIR analysis accompany commentary on cost trends and income types.

Highlights the UK’s strong performance across FinTech-enabling factors, backed by a clear vision and regulatory framework, promoting its position as a FinTech hub.

This slide presents a forecast of the UK's real GDP growth and inflation trends, showing expectations from major institutions and actual economic performance. The inflation graph shows a recent peak and the interest rates set by the Bank of England. It is likely used to communicate economic forecasts to inform financial planning or policy-making decisions.

The slide analyzes the UK's GDP growth and business activity through sector contributions and PMI trends, essential for economic analysis and business strategy.

The slide provides an analysis of the UK's economic performance, noting a 0.3% GDP decline in Q4 2023, steady CPI at 4% in January, and the Bank of England's policy rate at 5.25%. It is used to assess economic health and monetary policy impact.

The slide argues for the strategic timing of expanding financial operations in the UK, emphasizing national economic resilience, strong regulatory frameworks, and London’s role as a global financial hub, supporting a strategic business decision for market expansion.

The slide outlines the performance of different UK regions in attracting FDI, noting the strength of Scotland and Bristol, the cautious investor sentiment, emerging growth opportunities, and the shifting investor focus towards sustainability and health and wellbeing.

The slide presents the attractiveness of the UK and Europe for investors, with detailed statistics and trends from surveys.

This slide reviews the performance of UK banks vs. international peers from 2010–2023. While UK banks rebounded post-2021, they still trail in overall shareholder returns. Strong recent returns have been driven by rising interest rates, but momentum may be weakening.

The slide compares the coverage ratios and gross loans of UK and US cards for Dec 2022 and Jun 2023. It includes line charts to show the arrears rates over several quarters, providing insight into the financial health of these assets.

This slide highlights the top cities in the UK, excluding London, that attracted investment projects in 2020 and 2021, showing the comparative data.

The slide outlines improved GDP growth forecasts for the UK over the 2023–2025 period, along with persistent inflation pressures. It shows the Bank of England’s policy rate hike to manage inflation, while core inflation trends remain elevated, suggesting monetary tightening is expected to continue.

This slide analyzes the UK economic outlook for 2024, highlighting constraints on growth due to household income, housing activity, and capital expenditures despite easing inflation. It provides insights into GDP, employment, and inflation trends.

The slide presents the economic benefits of the Tempest programme, emphasizing the development of critical skills and investment in R&D within the UK. It serves as a detailed informational piece to stakeholders about the programme's broader impacts on the economy.

This slide examines the UK housing market by analyzing mortgage rates, house prices, and market trends, useful for real estate market analysis and financial planning.

A deep dive into the UK market shows a strong preference for turnkey solutions and higher-value homes. Government support and housing shortages have driven growth. Timber-frame construction and higher price segments dominate.

This slide provides insights into the UK labor market, focusing on unemployment, wage growth, and labor force participation rates, essential for labor market analysis.

Highlights the top-performing regions in the UK on the Women in Work Index, such as Scotland and Northern Ireland, discussing their progress in female labor force participation and gender pay gap reduction since 2000.

This slide focuses on the UK’s gender pay gap, showing a reduction from 18.2% in 2011 to 13.3% in 2023. Despite progress, the UK still lags behind the OECD average. The projection estimates it would take 33 more years to reach parity if trends persist.

This slide provides an overview of the distribution of UK projects by activity over the past decade, highlighting changes in business focus and investment.

This slide presents data on the distribution of UK investment projects across various regions and devolved administrations, showing year-on-year changes.

Assesses the performance of different UK regions on the Women in Work Index, highlighting the top-performing regions like Scotland, the South West, and Wales, and discussing the factors contributing to their scores.

The slide highlights the UK's continued leadership in attracting new FDI projects across Europe for the third successive year, emphasizing the economic benefits and job creation resulting from these investments.

This slide presents forecasts for UK's GDP growth and inflation rates, alongside historical Bank of England interest rates, useful for financial analysis.

The slide provides an economic forecast for the UK, projecting subdued GDP growth, persistent inflation, and softening employment trends. It discusses the effects of fiscal and monetary policies, as well as ongoing strikes and public holidays on economic activity.

Great Britain’s economic sentiment is at 22%, showing considerable variability since 2013. The chart indicates a recent dip, reinforcing a low economic outlook.

Discusses the impact of Brexit and COVID-19 on the UK IPO market, including sector performance, major IPOs, and future market expectations for the latter half of 2020.

The slide summarizes the UK IPO market within the EMEIA region for 2019, noting the number of IPOs, proceeds, sector activity, performance metrics, and the outlook for 2020.

Provides insights into the UK IPO market in 2018, including market highlights, performance data, and activity details. Useful for market analysis and strategic planning in the financial sector.

This slide dissects the recent rise in UK inflation by differentiating between traditional core inflation and core inflation excluding sectors impacted by COVID-19. It can be used to discuss the nuances of inflation measurement and the pandemic's specific effects on economic indicators.

It discusses the UK’s improvement in the ranking on the Women in Work Index, highlighting the UK's performance compared to other G7 countries and factors influencing its ranking.

The slide highlights the UK's record fintech investment of $24.5B in H1 2021. VC activity and deal volume hit new highs due to large deals, especially the $14.8B Refinitiv transaction. Commentary includes insights on subsectors like insurtech and BNPL.

Analyzes the UK's performance on the Women in Work Index, showing improvements over time and comparing it with the OECD average. Highlights key factors affecting progress, such as the gender pay gap and female labor force participation rates.

Analyzes NPL ratios and provisions of major UK banks, highlighting risk management strategies and trends.

Shows the extent of business ties companies have with the UK, such as exports, imports, and branch offices.

The slide analyzes the FTSE All-Share earnings performance and growth, providing insights into the financial performance and trends within the UK market.

The slide ranks the most pressing issues in Britain as of January 2025, with economy, NHS, and immigration topping the list. It includes change indicators from November and position shifts.

The slide provides an analysis of the UK FTSE All-Share forward P/E ratio and its relative valuation compared to the US, aiding in investment decisions.

Demonstrates the differential inflation trends for goods and services in the UK, suggesting globalization's influence on price levels. This may inform investment strategies and economic policies.

This slide examines the potential contraction in UK public services spending due to government tax cuts. It discusses the impacts on businesses and household finances.

UK venture financing shows a notable Q3 slowdown after previous mega-deals, especially among early-stage B2B SaaS firms. The commentary highlights LP hesitancy and longer fundraising cycles amid uncertain revenue predictability.

This slide outlines several cooperative agreements between the UK and EU across sectors like fishing, farming, carbon trading, and defense. It emphasizes reduced red tape, reciprocal access, and restoration of quotas to pre-Brexit norms.

The slide outlines the UK's trade relationships with major countries, emphasizing a new trade deal with India. Though India remains a small trade partner compared to the EU and US, the deal is expected to add £15.7bn in UK exports and £9.7bn in imports. The chart helps position India's role within the UK's overall trade strategy.

The slide explains the impact of the UK-US Economic Prosperity Deal on UK exports. It shows that less than 25% of UK goods exports are covered under reduced tariffs, with over 60% still facing a 10% tariff. The deal primarily benefits motor vehicle exporters and reduces tariffs from over 25% to 10%, supporting UK manufacturers heavily reliant on US markets.

This slide quantifies the impact of the UK-US trade agreement, showing a net loss of £6.6bn in UK exports to the US even after accounting for gains from the new deal. It also emphasizes that UK goods exports to the US make up only 6.8% of total exports, highlighting limited trade dependency.

This slide shows regional public opinion on ensuring equitable access to funding, technology, and other resources to help countries comply with UN plastic pollution treaty rules. Africa and Latin America show the strongest support.

Provides an overview of the UN Sustainable Development Goals, highlighting their scope and the global consensus on values aimed at achieving a sustainable future for all.

Provides examples of companies in various industries that have created significant impact through the adoption and implementation of mobility technologies.

Focuses on U.S. state-level AI laws. Colorado mandates discrimination risk controls in AI applications; California proposes safety testing and oversight for frontier models.

This slide delves deeper into US CRE loan risks, particularly the €16bn under stress testing, of which €7bn are office-related. It tracks €615m of CLPs linked to €12bn of restructured or defaulted office loans. A chart shows rising CLPs per quarter, emphasizing risk from refinancing and lower collateral values.

Focuses on €15bn in US CRE stress-tested loans with detailed breakdown by type and geography. Discusses risk management, CLPs of €683m from modified/restructured loans, and emphasizes risks from low debt service coverage and portfolio maturities.

Focuses on €17bn US CRE exposure under stress testing, dominated by office loans (44%). Regional breakdown of office loans and trend of cumulative loan loss provisions (CLPs) from Q3 2022–Q1 2024 are shown. Emphasis is placed on refinancing risk, Class A property exposure, and modification efforts.

Focuses on US CRE stress exposure (€15bn), especially US office loans (€7bn) with significant risk in cities like NYC and LA. Emphasizes loan modifications and €763m CLPs driven by refinancing risk and office default trends.

Deep dive into €15bn US CRE stress-tested loans, focusing on offices, especially in major US cities. Highlights a 5.6% CLP impact over time and shows historical quarterly CLPs. Risk is mainly from refinancing and low coverage ratios; risk mitigation strategies are actively pursued.

Continuation of CRE risk analysis, focusing on €15bn US portfolio. Emphasizes refinancing risk and mitigation through portfolio sales and modifications. Shows CLP evolution over time, peaking in Q1/Q2 2024. Notably, New York leads in exposure with high concentration in office properties.

Analyzes trends in credit card delinquencies and reserve strategies in the US, offering insights into risk management and market conditions.

The slide shows consistent US Consumer Bank performance with RoTE at 11.2% for Q4 2024. Income, costs, receivables, and funding sources are compared across quarters. Managed ENR remained steady, and core deposits dominated funding.

The slide reviews US Consumer Bank metrics like RoTE, net receivables, net interest margin, cost-income ratio, loan loss rate, and RWA. 2026 targets aim for margin >12%, lower cost ratios, and manageable loan loss rates. Consistent growth in net receivables and RWA is shown.

Analyzes performance of US Consumer Bank with a low RoTE of 4.5%. Contains income and cost breakdowns, net receivables trend, and funding mix. Retail deposits up 24% YoY. Includes post-model adjustment commentary.

The slide illustrates the superior performance of US equities compared to other markets, showing both annualized and cumulative returns to emphasize the compounding impact of higher returns.

This slide analyzes US GDP growth contributions and PMI trends, providing a comprehensive view of the country's economic performance and business activity.

This slide discusses the growth in the US IPO market, highlighting increased listings, proceeds, and improved after-market performance. It also covers cross-border deals and their contribution to the market.

The slide highlights a significant decline in US IPOs from a record-breaking 2021, with detailed data on IPO performance, cross-border listings, and share price performance since IPO.