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 14

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