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Dec 31, 2025
UBS Q4 2025 Earnings Report
UBS reported solid profitability in the fourth quarter with strong capital levels and resilient revenues.
Key Takeaways
UBS delivered a profitable Q4 2025 with USD 12.1bn in revenue and USD 1.2bn in net income, supported by strength in Global Wealth Management and the Investment Bank while maintaining a strong capital position.
Q4 revenue reached USD 12.15bn driven by Global Wealth Management and Investment Bank.
Net income attributable to shareholders was USD 1.20bn.
CET1 capital ratio remained strong at 14.4%.
Cost discipline resulted in an 84.7% cost/income ratio.
Revenue by Segment
Forward Guidance
Management expects stable growth conditions entering 2026 while completing the Credit Suisse integration.
Positive Outlook
- On track to complete integration by end of 2026.
- Strong capital position supports future growth.
- Continued client engagement across wealth management.
- Ongoing cost savings initiatives.
- Planned capital returns through dividends and buybacks.
Challenges Ahead
- Macroeconomic and geopolitical uncertainty.
- Regulatory uncertainty in Switzerland.
- Volatility in global markets.
- Integration execution risks.
- Potential pressure on net interest income.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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