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The report prints no full balance sheet at this date." } ], "year_to_date": { "label": "9M26", "period_start": "2026-01-01", "period_end": "2026-09-30", "period_type": "nine months", "source_accession": "0001610520-26-000106", "fiscal_year": 2026, "prior_year_comparative": { "label": "9M25", "period_start": "2025-01-01", "period_end": "2025-09-30", "period_type": "nine months", "source_accession": "0001610520-26-000106", "fiscal_year": 2025, "income_statement": { "weighted_average_basic_shares": 3166974365, "weighted_average_diluted_shares": 3305207927, "basic_eps": 2.07, "diluted_eps": 1.99, "interest_income_amortized_cost_and_fvoci": 21176000000, "interest_expense_amortized_cost": -20349000000, "net_interest_income_from_instruments_at_fvtpl_and_other": 4748000000, "net_interest_income": 5575000000, "other_net_income_from_financial_instruments_at_fvtpl": 10848000000, "fee_and_commission_income": 22665000000, "fee_and_commission_expense": -1976000000, "net_fee_and_commission_income": 20689000000, "other_income": 317000000, "total_revenues": 37429000000, "credit_loss_expense": 365000000, "personnel_expenses": 21180000000, "general_and_administrative_expenses": 6067000000, "depreciation_amortization_and_impairment": 2663000000, "operating_expenses": 29911000000, "operating_profit_before_tax": 7153000000, "tax_expense": 561000000, "net_profit": 6592000000, "net_profit_attributable_to_non_controlling_interests": 24000000, "net_income_attributable_to_shareholders": 6568000000 }, "key_metrics": { "return_on_equity_pct": 10, "return_on_tangible_equity_pct": 10.8, "underlying_return_on_tangible_equity_pct": 12.7, "return_on_cet1_capital_pct": 12.2, "cost_income_ratio_pct": 79.9, "underlying_cost_income_ratio_pct": 74.1, "effective_tax_rate_pct": 7.8, "cost_of_credit_risk_bps": 8 }, "basis": "Comparative year-to-date column of the same tables in the third quarter 2026 report." }, "income_statement": { "weighted_average_basic_shares": 3075630047, "weighted_average_diluted_shares": 3205652530, "basic_eps": 2.77, "diluted_eps": 2.66, "interest_income_amortized_cost_and_fvoci": 20286000000, "interest_expense_amortized_cost": -17616000000, "net_interest_income_from_instruments_at_fvtpl_and_other": 4461000000, "net_interest_income": 7132000000, "other_net_income_from_financial_instruments_at_fvtpl": 10691000000, "fee_and_commission_income": 25061000000, "fee_and_commission_expense": -2261000000, "net_fee_and_commission_income": 22800000000, "other_income": 670000000, "total_revenues": 41293000000, "credit_loss_expense": 305000000, "personnel_expenses": 21667000000, "general_and_administrative_expenses": 5953000000, "depreciation_amortization_and_impairment": 2347000000, "operating_expenses": 29967000000, "operating_profit_before_tax": 11021000000, "tax_expense": 2456000000, "net_profit": 8566000000, "net_profit_attributable_to_non_controlling_interests": 35000000, "net_income_attributable_to_shareholders": 8530000000 }, "key_metrics": { "return_on_equity_pct": 12.6, "return_on_tangible_equity_pct": 13.6, "underlying_return_on_tangible_equity_pct": 14.6, "return_on_cet1_capital_pct": 15.7, "cost_income_ratio_pct": 72.6, "underlying_cost_income_ratio_pct": 69.6, "effective_tax_rate_pct": 22.3, "cost_of_credit_risk_bps": 6 }, "basis": "Interim consolidated income statement (year-to-date) and Share information and earnings per share; return and cost ratios from the year-to-date columns of UBS Group key figures." }, "trailing_twelve_months": { "label": "TTM to 30 September 2026", "period_start": "2025-10-01", "period_end": "2026-09-30", "period_type": "trailing twelve months", "source_accession": "0001610520-26-000106", "derived_from": [ "0001610520-26-000106", "0001610520-26-000023" ], "basis": "derived: nine months to 30 September 2026 plus full year 2025 less nine months to 30 September 2025", "income_statement": { "net_interest_income": 9304000000, "other_net_income_from_financial_instruments_at_fvtpl": 13854000000, "net_fee_and_commission_income": 30023000000, "other_income": 257000000, "total_revenues": 53437000000, "credit_loss_expense": 464000000, "personnel_expenses": 28348000000, "general_and_administrative_expenses": 8693000000, "depreciation_amortization_and_impairment": 3213000000, "operating_expenses": 40253000000, "operating_profit_before_tax": 12721000000, "tax_expense": 2951000000, "net_profit": 9771000000, "net_profit_attributable_to_non_controlling_interests": 41000000, "net_income_attributable_to_shareholders": 9729000000 } }, "notes": [ "Template: bank. UBS Group AG reports under IFRS Accounting Standards in US dollars, so no currency conversion was needed. Revenue is shown the way UBS presents it: net interest income, other net income from financial instruments measured at fair value through profit or loss, net fee and commission income and other income, summing to total revenues. Gross revenue, cost of revenue and capital expenditure are not meaningful frames for a bank and are not presented.", "Annual figures (FY2025, FY2024, FY2023) come from the UBS Group AG 2025 annual report on Form 20-F (accession 0001610520-26-000023). Quarterly, nine-month and 30 September 2026 balance sheet figures come from the UBS Group third quarter 2026 report furnished on Form 6-K (accession 0001610520-26-000106).", "Per-share figures are per UBS ordinary share. The ordinary shares are listed directly on the New York Stock Exchange, so no depositary-share ratio applies, and no share split falls within these periods.", "UBS states that the third quarter 2026 report's financial information is unaudited and does not constitute an interim financial report under IAS 34. Its consolidated income statement is presented on a nine-month basis; the three-month figures come from the Group performance income statement in the same report, which prints the quarters ended 30 September 2026, 30 June 2026 and 30 September 2025.", "The quarter ended 31 December 2025 carries only the headline lines printed in the key figures table (total revenues, credit loss expense, operating expenses, operating profit before tax, net profit attributable to shareholders, diluted earnings per share) and UBS's ratios for that quarter. These agree, within USD 1 million of rounding, with full-year 2025 less the first nine months of 2025.", "The quarter ended 31 March 2026 is not printed in the third quarter 2026 report and is not included.", "The third quarter 2026 report prints the balance sheet only at 30 September 2026 and 31 December 2025. For 30 June 2026 and 30 September 2025, only total assets and equity attributable to shareholders are shown, taken from the key figures table. The 31 December 2025 comparative in the third quarter report matches the 20-F balance sheet line for line.", "The 20-F balance sheet presents two year-ends, so for 31 December 2023 only total assets and equity attributable to shareholders are shown, taken from the 20-F key figures table, which prints three year-ends; FY2023 capital, liquidity, return and book-value figures come from the same table.", "The third quarter 2026 report contains no statement of cash flows, so no quarterly or nine-month cash flow figures are presented. Annual cash flow figures are from the 20-F statement of cash flows; for a bank, operating cash flow largely reflects balance sheet movements, so no free cash flow is derived.", "The trailing-twelve-month figures to 30 September 2026 are derived, not printed: nine months to 30 September 2026 plus full-year 2025, less nine months to 30 September 2025. Because each input is rounded to USD 1 million, the derived components can differ from the derived totals by USD 1 million.", "FY2023 includes negative goodwill of USD 27,264 million in the income statement, relating to UBS's acquisition of the Credit Suisse Group on 12 June 2023 (Note 28 of the 20-F), which is why FY2023 net profit and returns are far above other years.", "Signs follow the filing: lines UBS prints in parentheses (interest expense, fee and commission expense, treasury shares, cash outflows, and FY2025 other income of USD -96 million) are stored as negative numbers. Credit loss expense, operating expenses and tax expense are stored as the positive expense amounts UBS prints.", "The key_metrics figures are UBS's own reported measures: returns, cost/income ratios, cost of credit risk and book value per share are alternative performance measures as defined by UBS, and the 'underlying' measures exclude items UBS identifies, such as purchase price allocation effects and integration-related items. Capital ratios follow the Swiss systemically relevant bank framework. In the third quarter 2026 report, UBS states that the liquidity coverage ratio is an average for each quarter presented. Invested assets are printed in USD billions and stored in dollars.", "Shares outstanding are shares issued less treasury shares at each period end, as printed by UBS. At 31 December 2025 the 20-F cover reports 3,341,581,714 ordinary shares issued, including 249,882,523 treasury shares." ], "uncertainties": [ "The quarterly income statement lines come from the Group performance table rather than a full IFRS interim income statement for the quarter, because the third quarter 2026 report presents its consolidated income statement only on a nine-month basis. The quarterly lines sum to the reported totals within USD 1 million of rounding.", "Net stable funding ratio figures are shown as printed in the key figures tables; whether they are period-end or averaged values is not stated alongside them in those tables." ], "headline": { "period": "Q3 FY2026", "period_end_words": "September 30, 2026", "metrics": [ { "label": "Total revenues", "format": "usd", "value": 13350000000, "text": "$13.35 billion", "exact": "$13,350,000,000", "compact": "$13.35B", "abs": "$13.35 billion", "prior_value": 12760000000, "prior": "$12.76 billion", "priorabs": "$12.76 billion", "yoy": "up 4.6%", "source": { "array": "quarterly", "field": "income_statement.total_revenues", "index": 0, "period_label": "3Q26", "period_end": "2026-09-30", "period_start": "2026-07-01", "span_days": 91, "source_accession": "0001610520-26-000106", "prior_index": 3, "prior_period_label": "3Q25", "prior_period_end": "2025-09-30", "prior_period_start": "2025-07-01", "prior_span_days": 91, "prior_source_accession": "0001610520-26-000106", "gap_days": 365 } }, { "label": "Net profit", "format": "usd", "value": 2690000000, "text": "$2.69 billion", "exact": "$2,690,000,000", "compact": "$2.69B", "abs": "$2.69 billion", "prior_value": 2481000000, "prior": "$2.48 billion", "priorabs": "$2.48 billion", "yoy": "up 8.4%", "source": { "array": "quarterly", "field": "income_statement.net_income_attributable_to_shareholders", "index": 0, "period_label": "3Q26", "period_end": "2026-09-30", "period_start": "2026-07-01", "span_days": 91, "source_accession": "0001610520-26-000106", "prior_index": 3, "prior_period_label": "3Q25", "prior_period_end": "2025-09-30", "prior_period_start": "2025-07-01", "prior_span_days": 91, "prior_source_accession": "0001610520-26-000106", "gap_days": 365 } }, { "label": "Diluted EPS", "format": "eps", "value": 0.85, "text": "$0.85", "exact": "$0.85", "compact": "$0.85", "abs": "$0.85", "prior_value": 0.76, "prior": "$0.76", "priorabs": "$0.76", "yoy": "up 11.8%", "source": { "array": "quarterly", "field": "income_statement.diluted_eps", "index": 0, "period_label": "3Q26", "period_end": "2026-09-30", "period_start": "2026-07-01", "span_days": 91, "source_accession": "0001610520-26-000106", "prior_index": 3, "prior_period_label": "3Q25", "prior_period_end": "2025-09-30", "prior_period_start": "2025-07-01", "prior_span_days": 91, "prior_source_accession": "0001610520-26-000106", "gap_days": 365 } }, { "label": "Profit before tax", "format": "usd", "value": 3587000000, "text": "$3.59 billion", "exact": "$3,587,000,000", "compact": "$3.59B", "abs": "$3.59 billion", "prior_value": 2828000000, "prior": "$2.83 billion", "priorabs": "$2.83 billion", "yoy": "up 26.8%", "source": { "array": "quarterly", "field": "income_statement.operating_profit_before_tax", "index": 0, "period_label": "3Q26", "period_end": "2026-09-30", "period_start": "2026-07-01", "span_days": 91, "source_accession": "0001610520-26-000106", "prior_index": 3, "prior_period_label": "3Q25", "prior_period_end": "2025-09-30", "prior_period_start": "2025-07-01", "prior_span_days": 91, "prior_source_accession": "0001610520-26-000106", "gap_days": 365 } }, { "label": "Cost/income ratio", "format": "pct", "value": 72.3, "text": "72.3%", "exact": "72.3%", "compact": "72.3%", "abs": "72.3%", "prior_value": 77, "prior": "77.0%", "priorabs": "77.0%", "yoy": "down 4.7 points", "source": { "array": "quarterly", "field": "key_metrics.cost_income_ratio_pct", "index": 0, "period_label": "3Q26", "period_end": "2026-09-30", "period_start": "2026-07-01", "span_days": 91, "source_accession": "0001610520-26-000106", "prior_index": 3, "prior_period_label": "3Q25", "prior_period_end": "2025-09-30", "prior_period_start": "2025-07-01", "prior_span_days": 91, "prior_source_accession": "0001610520-26-000106", "gap_days": 365 } } ], "summary": "UBS Group AG reported net profit attributable to shareholders of $2.69 billion for Q3 FY2026, the quarter ended September 30, 2026, up 8.4% from a year earlier, on total revenues of $13.35 billion, up 4.6%. Profit before tax rose faster, to $3.59 billion, up 26.8%, but a higher tax rate absorbed much of that gain, leaving diluted earnings per share at $0.85 against $0.76 a year earlier. Operating expenses fell and the cost/income ratio improved to 72.3%, down 4.7 points, in a quarter that also included a gain on resolving legacy legal matters and a loss on repurchasing legacy Credit Suisse debt.", "qa": [ { "q": "How much did UBS earn in Q3 FY2026?", "a": "UBS Group AG reported net profit attributable to shareholders of $2.69 billion for Q3 FY2026, the quarter ended September 30, 2026, up 8.4% from $2.48 billion a year earlier. Diluted earnings per share were $0.85, against $0.76." }, { "q": "What was UBS revenue in Q3 FY2026?", "a": "UBS Group AG's total revenues were $13.35 billion in Q3 FY2026, the quarter ended September 30, 2026, up 4.6% from $12.76 billion in the same quarter a year earlier." }, { "q": "Why did UBS net profit grow more slowly than pre-tax profit in Q3 FY2026?", "a": "UBS Group AG's profit before tax was $3.59 billion in Q3 FY2026, up 26.8% from $2.83 billion a year earlier, but a higher tax rate absorbed much of that gain. Net profit attributable to shareholders was $2.69 billion, up 8.4%." }, { "q": "What is UBS's cost/income ratio?", "a": "UBS Group AG's reported cost/income ratio was 72.3% in Q3 FY2026, down 4.7 points from 77.0% a year earlier, as total revenues rose and operating expenses fell." } ] }, "company_details": { "Name": "UBS Group AG", "Ticker": "UBS", "CIK": "0001610520", "Exchange": "NYSE", "State": "", "Country": "Switzerland", "Incorporation": "Switzerland", "SIC": "6021", "Office": "Finance", "Industry": "National Commercial Banks" }, "next_filing": { "predicted_date": "2027-03-08", "predicted_type": "20-F" }, "fiscal_period": { "fiscal_year": 2026, "fiscal_period": "Q3", "tag": "FY26Q3", "period_end": "2026-09-30", "form": "6-K", "accession": "0001610520-26-000106", "fiscal_year_end": "1231", "source": "derived" }, "source_filings": [ { "role": "annual", "current": false, "form": "20-F", "fiscal_year": 2025, "fiscal_period": "FY", "tag": "FY25", "period_end": "2025-12-31", "filed": "2026-03-09", "accession": "0001610520-26-000023", "url": "https://www.sec.gov/Archives/edgar/data/1610520/000161052026000023/ubs-20251231.htm", "source": "reported" }, { "role": "quarterly", "current": true, "form": "6-K", "fiscal_year": 2026, "fiscal_period": "Q3", "tag": "FY26Q3", "period_end": "2026-09-30", "filed": "2026-10-28", "accession": "0001610520-26-000106", "url": "https://www.sec.gov/Archives/edgar/data/1610520/000161052026000106/0001610520-26-000106-index.htm", "source": "derived" } ], "figure_sources": { "about": "Where each figure in this file is printed in its SEC filing. 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