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
229
790
227
496
159
(104)
Other income
63%
2Q20
305
850
264
472
170
(84)
+100%
58%
3Q20
318
+31%
896
230
455
177
20
358
66%
4Q20
950
239
470
Credit loss (expenses) /releases
182
22
64%
1Q21
456
1,037
288
480
187
42
58%
2Q21
PBT 456m, +100%
Operating income +31% driven by credit loss
releases, higher transaction-based income, record
recurring net fee income and a 26m gain from real
estate sales
Credit loss releases of 42m vs. 104m credit loss
expenses in 2Q20
Operating expenses +4% driven by higher
personnel expenses and investments in technology
Net new investment products in Personal Banking
+0.9bn, 16% annualized growth
Net new loans in Personal Banking +0.6bn,
3% annualized growth
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