UBS Results Presentation Deck

4Q21 net profit USD 1.3bn; 11.9% ROCET1 +24% excl. provision for French cross-border matter (13%) 93 Profit before tax m 1,985 4Q20 Cost/income ratio¹ 74.9% 522 Operating income +8% Income Credit loss expense +5.5 ppts (872) Operating expenses +14% Excl. provision for French cross-border matter +2%³ Operating expenses 1,729 4Q21 80.5% 4Q21 1,348m net profit (18%) 11.9% return on CET1 capital 31.12.21 15.0% CET1 capital ratio 0.38 diluted EPS (14%) 1.6bn CET1 capital accretion² 4.24% CET1 leverage ratio UBS 1 Defined as operating expenses divided by income, which is operating income excluding credit loss expenses/releases; 2 Includes 0.3bn increase in CET1 capital, 0.7bn accruals for 2021 dividends and 0.6bn in share buybacks; 3 4Q21 litigation expense of 826m, of which 740m relating to the French cross-border matter (GWM 657m and P&C 83m) 31

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