UBS Results Presentation Deck

Personal & Corporate Banking (CHF) Profit before tax m Excl. provision for French cross-border matter Operating income m Cost/income ratio UBS Transaction-based income Net interest income Recurring net fee income 318 896 230 455 177 20 Other income 66% 4Q20 +29% excl. provision for French cross-border matter +5% 456 358 950 239 470 182 22 +11% 1,037 64% 1Q21 288 480 439 58% 2Q21 1,002 281 187 42 Credit loss (expenses)/releases 494 201 6 57% 3Q21 411 335 995 271 497 205 67% 4Q21 PBT 335m, +5%; +29% excl. provision for French cross-border matter, reflecting continued strong business momentum; FY21 PBT 1,587m, +35% Operating income +11% driven by higher net interest income and transaction-based income as well as record recurring net fee income Credit loss releases 9m vs. 20m in 4Q20 Operating expenses +14%; +1% excl. provision, 59% cost/income Net new investment products in Personal Banking +2.7bn FY21, 14% growth rate Net new loans in Personal Banking +2.2bn FY, 3% growth rate 34

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