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UBS Group (UBSG) investor relations material
UBS Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net profit rose 74% year-over-year to $2.5 billion, with underlying pre-tax profit of $3.6 billion and EPS of $0.76, driven by strong core business momentum and Credit Suisse integration progress.
Invested assets reached $6.9 trillion, up 4% sequentially, with Global Wealth Management net new assets of $38 billion and Asset Management surpassing $2 trillion.
Over two-thirds of Swiss-booked client accounts migrated and Asset Management integration substantially completed; $10 billion in cumulative cost saves achieved, ahead of schedule.
Major legacy litigation resolved, including Credit Suisse RMBS and cross-border matters, resulting in $668 million net litigation reserve releases.
Application filed for a U.S. national bank charter, with continued investments in AI and technology.
Financial highlights
Total revenues were $12.8 billion, up 3% year-over-year; operating expenses fell 4% to $9.83 billion, with a cost/income ratio of 77.0%.
Return on CET1 capital was 16.3% underlying and 13.5% reported; return on equity was 11.1%.
Tangible book value per share increased to $26.54.
$10 billion in cumulative gross cost saves achieved, one quarter ahead of schedule.
Net litigation reserve releases totaled $668 million.
Outlook and guidance
On track to deliver ~$13 billion in gross cost saves by 2026, with $10 billion already achieved.
CET1 capital ratio expected to decrease sequentially at year-end 2025 due to accruals for 2026 share repurchases and 2025 dividend.
Net interest income expected to remain stable in Q4, with integration costs of around $1.1 billion and acquisition-related revenues of about $0.5 billion.
Integration of Credit Suisse expected to continue through 2026, with further cost reductions and business benefits anticipated.
Banking activity in Q4 expected to normalize from Q3's exceptional levels, with potential delays from a U.S. government shutdown.
Swiss capital proposals: key CET1 impacts?
Path to remaining integration cost savings?
Update on Credit Suisse AT1 appeal?
Detail the drivers for the remaining $3B cost saves.
US National Charter: expected NII impact and timeline?
Rationale for UBS's AT1 ruling appeal?
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Next UBS Group earnings date
Q4 20259 Mar, 2026
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Frequently asked questions
One of the oldest and most established banks in the world
UBS Group is a global financial services company based in Switzerland, with a focus on providing wealth management, investment banking, and asset management services to clients around the world. The company was founded in 1862 and has since become one of the largest and most respected banks in the world.
The business model
UBS Group's business model is based on providing a comprehensive range of financial services to its clients, including private banking, investment banking, and asset management. The company focuses on building long-term relationships with its clients, providing personalized advice and solutions that meet their specific needs and goals.
How UBS Group makes money
UBS Group generates revenue primarily through fees charged for its financial services, as well as through commissions on transactions and trading activities. The company's revenue is also generated through its global network of branches and offices, which allows it to serve clients in major financial centers around the world.
Interesting facts about UBS Group
UBS Group is one of the oldest and most established banks in the world, with a rich history that spans over 150 years. The company was one of the pioneers of online banking, launching its first online banking platform in 1997. In addition, UBS Group has been at the forefront of the transition to sustainable investing, offering its clients a range of sustainable investment products and solutions. Three competitors of UBS Group in the financial services industry include JPMorgan Chase, Bank of America, and Credit Suisse.
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