Slide 1: Third quarter 2021 results
SUBS Third quarter 2021 results
Slide 2: Important information
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Slide 3: Agenda
Agenda 1 Key messages Ralph Hamers Group CEO SUBS 2 Financial performance and capital Kirt Gardner Group CFO QaA
Slide 4: Key messages
Key messages DE CS We are executing We are delivering on relentlessly ‘our strategic initiatives for our clients {to drive growth and efficiency BBUBS rover gewera eon 2nd cart 2 eat We are committed to driving higher returns. by unlocking the power of UBS oe man
Slide 5: We are executing relentlessly for our clients
We are executing relentlessly for our clients wn Feerecg at Pete SUBS lobes AM ea ia su 8 ett anig 1700 sano at eta eating Pac nent ods, Fon ang co 190
Slide 6: Delivering on the core elements of the ecosystem for investing
Delivering on the core elements of the ecosystem for investing Private markets SMAS Sustainable finance My Way Scalability Ind NAM need AM Ss ed et ined ats, Gat NEGA pe at, Gam naan ~ ve 31220 20821 311220 30921 pereze 20821 ar1220 20921 sus 90) invariant tne money tom i 2 or ts, tian omansitee era
Slide 7: Financial results overview
Financial results overview Group PRC Subs 3Q21 9M21 et 0 GE capital nos 95% Tage 1215 eum ontngtleeguty nam 1558 eat nc ars nas Tage 75:70 eer eaptaratio Mow M98 idee 388 ET leverageratio om om dace 237% Tingbiebeok use pete uso 1562 91862 Ft eet rors 04260 Pat rown (Yor) os ws Tag 1015% onthe oe ok
Slide 8: Personalized
©) Personalized Relevant On-time Seamless SuBs Reimagining the power of investing. Connecting people for a better world. ion sumpeimgnons Convene THE global ecosystem for BAR Sens cerestons investing where thought leadership is impactful, people and ideas are EB ros connected, and opportunities BR t
Slide 9: We are the #1 bank in Switzerland
We are the #1 bank in Switzerland Recognized leader in a highly attractive market +75% 27% 2 oben ‘one ances Best Bank ww? Leading Digital Bank sat sts once 3.1219 in Switzedland? in Switzerland? o 9bn 191bn eis Seman yews Zora on an eae om, os Eelam Seles a tna mec 082) SUES sneer nttemecoenintt er
Slide 10: P&C — Strategic priorities
P&C — Strategic priorities Growing above ® Digital Driving Q the market at the core transformation ‘chow superior growth by shifting gears in Bring the bank to the app with proved user Wetease seed, become leaner, reduce focus areas such as pension and retement,_expetence and expand the UBS ecosyste
Slide 11: Americas — We have built a franchise that delivers substantial profit growth
Americas — We have built a franchise that delivers substantial profit growth Delivering leading capat lents in the worlds largest financial market North America's Best Bank for WM Tops US WM firm? ies to wealth and institutional ‘SMA manager ‘Americas Research? +9% +42bn MACAGR NNFGA. 2.1bn caer 127
Slide 12: Americas — Strategic priorities
Americas — Strategic priorities Build on bd ‘our scale Continue to expand the UBS ecosystem for our cients 2025 von Build on our momentum to sustain growth in our core businesses SuBs coe aS banking {Expand capabiltes to drive marketshare in core banking Expand full-service wealth management ‘offeri
Slide 13: Leveling up technology to drive digitalization and differentiation for our clients
Leveling up technology to drive digitalization and differentiation for our clients wo Agie@ues ner aie mel to increase speed fom Hea yore tte + Agle@uss: one ‘node model tines sndeommuniates + 3.000 prepie onstioning to ‘ales, 3,000 ready active Subs ® Digits cuiture Bl high erring cengineeing tae +
Slide 14: Executing our strategy to deliver attractive returns and improve efficiency
Executing our strategy to deliver attractive returns and improve efficiency Net profit Profit before tax a a a ee
Slide 15: 3Q21 net profit USD 2.3bn; 20.8% RoCET1
3Q21 net profit USD 2.3bn; 20.8% RoCET1 Profit before tax 3 236s 102 27 [] omg ee pg oes 3021 2,279m ete 20.8% eae = Se ae 149% ence 708% (pe) ea7% 0.63 tess bro 2.8bn CET cota scaton 431% CE neo BBUBS 1oHresn ces ern sie cee whe ncpne ein ng eer 2s 2 ent CA et ge
Slide 16: Executing our cost strategy
Executing our cost strategy Operating expenses be ph 28 os on on 20 Consenciing | Vain andth Wigan wa x po owsewara | taneensten’ feta “amu wd Costincome ratio? 727% (03490) na% RUBS op csce ay Saat Sen ce er TO a Be aN ey
Slide 17: Global Wealth Management
Global Wealth Management Profit before tax 1087 iepeeer sme an Svea a | Cost income ratio 76% 80% «71% 73%_——70%H, levested assets Subs FT 1.516, 44396 Nghest on record ith souble gt gonnn nal regions ‘Operating income +17% on eco recaing fe Income and inuding 100m gee tom the sale of ‘ur domestic b
Slide 18: Global Wealth Management
Global Wealth Management Recurring net fee income Net interest income ‘Transaction-based income 2% ——, aon wR Pesos 2629 aon 2468 3) yee 1 omy ume a oe 423% YoY on higher FGA balances £1896 Yoy as loan revenues increased on +49% Y0¥ as lens remained engaged in +49 Qo supported contin tong Fight volu
Slide 19: Global Wealth Management
Global Wealth Management Fee-generating assets! & pon ran He 7 a ta SUBS vores tents ntsc awom nnn enter nine +1 9M nneca!, 5% sanuslized growth in 3021 americas EMER PAC Swivernd ey $850 (ae) oe +98 nneca', 8% growsh last 12 months americas EMER PAC Stead “580 $200 fret ve
Slide 20: Personal & Corporate Banking (CHF)
Personal & Corporate Banking (CHF) Profit before tax Operating Cost incon ratio Subs 58% sa20 » B aul 65% sa am 1921 58% 20 57% 20 87 439m, 244% electing strong business smomentom ‘Operating income +18% wth record ecuring net {ee nore ae righe et nterest and ‘vaneacton tated income ro oss leases fn
Slide 21: Asset Management
Asset Management ar soe ne a Operating Cost income ratio. 36%? 48% HH «GME —"—— seo 10m name se levested assets ‘dol eres som ema 20H ABUBS somes man ceren fete 2 mae gto teak thn P81 214m, +27% exusing 571m gain tom the sale of Forenter in 3020, 1" consecutne {arte of YOY PST growth operating incom
Slide 22: Investment Bank
Investment Bank Profit before tax Cems Cost income ratio 7? 2 4 if — +», 248 aw 2310 ans own a can cnsde crac opry BE Ct os penetns 76% 71% 8% 78% «67% rom amt) UBS 121s oenton ress ctnmtnc popey ts mice wh te Boetng Coney deat RoAE 269%; PAT 837m, +325, bes POT see 1013 lob Markets evens 5% excludi
Slide 23: Capital and leverage ratios
Capital and leverage ratios ‘ewe 103bn 340% conser 606 200% 1b coi 45bn 14.9% PUBS we mre conse tenet 92 ite mater bs | 984% ¥ 5.78% | l 431% 10%
Slide 24: Appendix
Appendix Subs
Slide 25: Group results
Group results som ules ethene inctes 3Q20 1921 2Q21 3Q21 Teak epeag ne oe a6 ea aa Toatcpetep ope a9 ar sa sas Operating profit os) before ax 2578 2298 2.598 2.865 Tape eete rr mH mm ae Net profit / Jos) atibutable to shareholders 2,089 1.636 1,824 2,006 2279 Dives 28 oa ow os oa te ee es vam poy ne
Slide 26: IFRS credit loss (expenses) / releases
IFRS 9 credit loss (expenses) / releases Credit loss (expenses) / releases = ee ee En cast : : 4 wren pel oper a : 7 RR anc eit ° ° ‘ arnt : a 8 cate ° ° © gaps = a , —_—— egw eam me SUBS were toentectte manne mend eitietinnetiente Gene letra tree .
Slide 27: 3Q21 Group results by region
3Q21 Group results by region mes svizetond even iors t ra on "| Ls -20%6- hotter the so ie Pe e _ ame oe pint Pat as ase = = ee) i wy ‘inom 126008 36m con/memino 743% 07mm «563M ops ———75K may 58. i rer ner 2/6 an te rani te Ginga ah mtn wpe Pa ra nen ewes nf ns ean! Suns Soren ngeromme seme eome ne
Slide 28: 3Q21 Global Wealth Management results by region
3Q21 Global Wealth Management results by region Americas switzetland EMEA Asia Pacific oot a. 7%) Profit before tax Sai si 7 rm | 21m 2610 i 20 301 220 3021 3o20 3001 er 28 oss rcome ate 79.8% tem) 54.6% ceo 581% 09 om 58.5% ures Invested assets 1,736bn 21%. 284bn +14, 629bn +126 ‘S46bn v3 Net fe ba
Slide 29: Common equity tier capital
Common equity tier 1 capital CET1 capital & oe 2 02 a 23 eszt Fate cae Toe amy oe sag2t selec wore sasabon cs RUBS. ram gmren rte avg shanna ages enn enn be an eae
Slide 30: SIGNATURES
SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrants have duly caused this report to be signed on their behalf by the undersigned, thereunto duly authorized. UBS Group AG By: _/s/ David Kelly_______________ Name: David Kelly Title: Managing Director By: _/s