UBS Results Presentation Deck

3Q21 net profit USD 2.3bn; 20.8% ROCET1 Profit before tax m 2,578 3Q20 Cost / income ratio¹ 70.4% 91 +11% Operating income +2% Income 102 Credit loss expense (1.7 ppts) 93 Operating expenses (1%) Operating expenses 2,865 3Q21 68.7% 3Q21 2,279m net profit +9% 20.8% return on CET1 capital 30.9.21 14.9% CET1 capital ratio 0.63 diluted EPS +12% 2.8bn CET1 capital accretion² 4.31% CET1 leverage ratio UBS 1 Defined as operating expenses divided by income, which is operating income excluding credit loss expenses/releases; 2 Includes 2.4bn increase in CET1 capital and 0.3bn accruals for 2021 dividends 14

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