Slide 1: Sustainability at UBS
Sustainability at UBS This document should be read in conjunction with the UBS Group Sustainability Report 2025 and Annual Report 2025 ubs.com/annualreporting March 2026
Slide 2: Important information
Important information Forward-looking statements: This presentation contains statements that constitute “Forward looking statements,” including but not limited to management’s outlook for UBS’s financial performance, statements relating to the anticipated effect of transactions and strategic initiat
Slide 3: Our ambition is to be a leader in sustainability
Our ambition is to be a leader in sustainability Our sustainability & impact approach 2025 key achievements ✓ On track to substantially complete the sustainability integration of Credit Decarbonization Suisse by YE26 Protect Manage our business in alignment with our Risk standards ✓ Significantly pr
Slide 4: Our sustainability and impact strategy
Our sustainability and impact strategy Protect Grow Attract Manage our business in alignment with our Embed an innovative sustainability and impact Be the bank of choice for clients and employees sustainable, long-term strategy and evolving offering across all our business divisions standards Select
Slide 5: Our sustainability governance
Our sustainability governance − The Board of Directors of the UBS Group (the BoD) Board of Directors has ultimate responsibility for the success of the Group and for delivering sustainable shareholder Risk Audit Corporate Culture and Governance and Compensation value within a framework of prudent an
Slide 6: Protect – our aspirations, goals or targets and progress
Protect Grow Attract Protect – our aspirations, goals or targets and progress Ambitions Topics Our aspirations, goals or targets Progress Lending sector decarbonization targets have been established to address Calculated progress against pathways for lending sector decarbonization our financed emiss
Slide 7: Our climate roadmap
Protect Grow Attract Our climate roadmap 2006 Launched our first climate strategy, focused on our own emissions 2012 Expanded our climate strategy, to also include risk management, investments, financing and research 2017 Started applying TCFD recommendations to our climate disclosures 2020/21 Comme
Slide 8: Progress on our own environmental footprint
Protect Grow Attract Progress on our own environmental footprint Decarbonization pathway modelling − We aim to reduce our scope 1 and market-based scope 2 emissions by at least 90% against our 2023 baseline of 46,278 metric tons of CO2e by 2035, before neutralizing any residual emissions through the
Slide 9: Progress on our own environmental footprint
Protect Grow Attract Progress on our own environmental footprint Environmental performance and targets energy Energy and renewable electricity 2023 2025 2030 755 − 1 9 % vs 2023 −35% vs. 2023 GWh − Continued to make progress on energy reduction target and renewable electricity (613 GWh) aligned to R
Slide 10: Our lending sector decarbonization targets
Protect Grow Attract Our lending sector decarbonization targets Overview of lending sector decarbonization targets and progress Progress against targets Swiss residential real estate1 Swiss commercial real estate1 Fossil fuels3 Swiss residential real estate (intensity): (15%) vs. kg CO2e/m2 ERA2 kg
Slide 11: Measuring facilitated emissions from our capital markets business
Protect Grow Attract Measuring facilitated emissions from our capital markets business Overview − We review and assess Global Banking transactions, employing a robust business selection process for mandates that are accepted. We conduct an annual assessment of the proximity of our products and servi
Slide 12: Grow – our aspirations, goals or targets and progress
Protect Grow Attract Grow – our aspirations, goals or targets and progress Ambitions Topics Our aspirations, goals or targets Progress Increased sustainable investing invested assets to USD 405.6bn (2024: USD 309.6bn).1 Facilitated 95 green, social, sustainability or sustainability-linked (GSSS) Emb
Slide 13: Sustainable investing invested assets increased by 31% to 406bn
Protect Grow Attract Sustainable investing invested assets increased by 31% to 406bn Invested assets1,2 − Sustainable investing invested assets grew USD bn 31% YoY, driven by market performance and foreign currency effects while also 7,005 driven by integration-related effects, mainly Sustainable in
Slide 14: Supporting opportunities across sustainable investing and finance
Protect Grow Attract Supporting opportunities across sustainable investing and finance Our investing approaches Traditional investing Sustainable investing – Targets risk-adjusted market-rate investment returns – Targets risk-adjusted market-rate investment returns – Has no explicit sustainability o
Slide 15: Driving social impact and philanthropy
Protect Grow Attract Driving social impact and philanthropy 2025 key highlights UBS supports an economy that prioritizes the UBS Optimus Foundation well-being of people and planet focus areas 472m donations raised by UBS Optimus Foundation1 − Through the UBS Optimus network of including matching con
Slide 16: Attract – our aspirations, goals or targets and progress
Protect Grow Attract Attract – our aspirations, goals or targets and progress Ambitions Topics Our aspirations, goals or targets Progress Achieved top quartile position vs direct peers as defined in UBS compensation report in ESG ratings including but not limited to: Attract Bank of choice Maintain
Slide 17: Dedicated to being a world-class employer for talented individuals
Protect Grow Attract Dedicated to being a world-class employer for talented individuals Continuing to embed our culture, grounded in our 2025 key highlights three keys to success across the combined organization BoD oversight of corporate culture through the 59% 81% Corporate Culture and Responsibil
Slide 18: Business conduct and corporate culture
Business conduct and corporate culture 2025 progress − With the exposure reductions in Non-core and Legacy and the significant progress on the client account migrations (~85% of Swiss-booked accounts transferred by YE25), we have substantially reduced the proportion of risks managed on legacy Credit
Slide 19: Responsible use of artificial intelligence
Responsible use of artificial intelligence Delivering on our AI strategy Managing new risks related to AI − Deployment of AI in the financial services sector involves new risks and changes the landscape for many existing risks 9 large-scale transformational − We have established a comprehensive AI f
Slide 20: Appendix
Appendix 19
Slide 21: Sustainability and climate risk policy framework (coal, oil & gas and shipping)
Sustainability and climate risk policy framework (coal, oil & gas and shipping) We do not provide project-level finance for new CFPP globally and only support financing transactions of existing coal-fired operators (>20% coal Coal-fired power reliance) if they have a transition strategy that aligns
Slide 22: Our standards – overview (sustainability and climate risk policy framework)
Our standards – overview (sustainability and climate risk policy framework) Controversial activities Areas of concern Where we will not do business Where we will only do business under stringent criteria − UNESCO world heritage sites Soft commodities: Extractives: − Wetlands on the Ramsar list − Pal
Slide 23: Overview of 2030 lending sector decarbonization targets and progress
Overview of 2030 lending sector decarbonization targets and progress For the year ended 31.12.241 Gross lending exposure Progress5 Targets 2024 2023 2024 2023 2021 2021–24 2030 2021–30 Full value Covered by Full value Covered % % chain (USD targets chain (USD by targets change vs change vs Sectors b
Slide 24: Climate-driven transition risk heatmap
Climate-driven transition risk heatmap Climate-driven transition risk profile chart for UBS Group1,2 USD bn High 50.97 (6.49%) Real estate 45.72 Utilities 1.44 Fossil fuels 0.28 Private clients with mortgages 39.72 Power production: regulated & high-carbon fuels 1.44 Wholesale & trading: refined pet
Slide 25: Climate-driven physical risk heatmap
Climate-driven physical risk heatmap Climate-driven physical risk profile chart for UBS Group1,2, 3, 4, 5 USD bn Switzerland6 Americas EMEA Asia Pacific Sensitive 53.05 Sensitive 43.07 Sensitive 3.03 Sensitive 1.95 Private clients with mortgages 19.20 Financial services 20.77 Services and technology
Slide 26: Climate-related metrics
Climate-related metrics For the year ended 31.12.25 31.12.24 Climate-related metrics (USD bn) Total exposure to climate-sensitive sectors, transition risk: UBS Group AG consolidated1,2 192.9 147.5 Climate-sensitive sectors, transition risk, proportion of total gross lending exposure, UBS Group AG co
Slide 27: Footnotes (1/4)
Footnotes (1/4) Slide 2: Our ambition is to be a leader in sustainability Slide 5: Protect – our aspirations, goals or targets and progress 1. Our climate transition plan does not cover all our business activities. We may add ambitions for additional scope 3 1. Our climate transition plan does not c
Slide 28: Footnotes (2/4)
Footnotes (2/4) Slide 9: Our lending sector decarbonization targets Slide 11: Grow – our aspirations, goals or targets and progress 1. For real estate, our targets use the percentage decarbonization rate implied by the Energy Perspectives 2050+ ZERO 1. This figure does not contain invested assets cl
Slide 29: Footnotes (3/4)
Footnotes (3/4) Slide 13: Supporting opportunities across sustainable investing and finance Slide 20: Sustainability and climate risk policy framework (coal, oil & gas and shipping) 1. Figures do not include invested assets classified under the Credit Suisse Sustainable Investment Framework but incl
Slide 30: Footnotes (4/4)
Footnotes (4/4) Slide 24: Climate-driven physical risk heatmap Slide 25: Climate-related metrics 1. Gross lending exposure consists of total on-balance sheet loans and advances to customers and off-balance sheet 1. Gross lending exposure consists of total on-balance sheet loans and advances to custo
Slide 31: Cautionary statement regarding Forward looking statements
Cautionary statement regarding Forward looking statements Cautionary Statement Regarding Forward looking Statements | This presentation contains statements that constitute “forward-looking statements”, including but not limited to management’s outlook for UBS’s financial performance, statements rela