UBS Results Presentation Deck

Personal & Corporate Banking (CHF) CHF m, except where indicated Total revenues Net interest income Recurring net fee income Transaction-based income Other income Credit loss expense / (release) Operating expenses Profit before tax Cost / income ratio Deposits, bn Loans, bn UBS 3Q23 underlying 2,159 1,189 431 507 31 154 1,232 773 57% 269 288 3Q23 reported 2,556 1,550 431 543 31 154 1,405 997 55% 269 288 3Q23 underlying vs 2Q23 estimated underlying CHF bn Total revenues CLE Operating expenses Profit before tax 2.1 0.2 1.2 0.7 2Q23 2.2 0.2 1.2 0.8 3Q23 Revenues 2,159m, up slightly as lower NII was offset by higher non-NII revenue CLE 154m, almost exclusively from CS Swiss Bank impaired loan losses and stage 2 losses Operating expenses 1,232m, broadly stable Cost/income 57% Deposits +3% QOQ driven by growth with corporate clients Loans (1%) 18

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