UBS Results Presentation Deck

Personal & Corporate Banking (CHF) Profit before tax m Operating income m Cost/income ratio UBS Transaction-based income Net interest income Recurring net fee income 305 850 /////////// 264 472 170 (84) Other income 58% 3Q20 318 896 230 455 177 20 +44% 66% 4Q20 358 +18% 950 239 470 182 22 456 64% 1Q21 1,037 288 480 Credit loss (expenses)/releases 187 42 58% 2Q21 439 1,002 281 494 201 57% 3Q21 PBT 439m, +44% reflecting strong business momentum Operating income +18% with record recurring net fee income and higher net interest and transaction-based income Credit loss releases of 6m vs. 84m credit loss expenses in 3Q20 Operating expenses +3% Net new investment products in Personal Banking +2.4bn YTD, 16% annualized growth Net new loans in Personal Banking +2.1bn YTD, 4% annualized growth 19

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