UBS Group AG's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), UBS Group AG reported revenue of $49.6B (+2.0% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest income from financial instruments measured at amortized cost and fair value through other comprehensive income | $27.9B | $36.0B | $31.7B | $11.8B |
| Interest expense from financial instruments measured at amortized cost | ($26.5B) | ($35.9B) | ($28.2B) | ($6.6B) |
| Net interest income from financial instruments measured at fair value through profit or loss and other | $6.3B | $7.1B | $3.8B | $1.4B |
| Net interest income | $7.7B | $7.1B | $7.3B | $6.6B |
| Other net income from financial instruments measured at fair value through profit or loss | $14.0B | $14.7B | $11.6B | $7.5B |
| Fee and commission income | $30.6B | $28.7B | $23.8B | $20.8B |
| Fee and commission expense | ($2.7B) | ($2.6B) | ($2.2B) | ($1.8B) |
| Net fee and commission income | $27.9B | $26.1B | $21.6B | $19.0B |
| Other income | ($96.0M) | $675.0M | $384.0M | $1.5B |
| Total revenues | $49.6B | $48.6B | $40.8B | $34.6B |
| Credit loss expense / (release) | $524.0M | $551.0M | $1.0B | $29.0M |
| Personnel expenses | $27.9B | $27.3B | $24.9B | $17.7B |
| General and administrative expenses | $8.8B | $10.1B | $10.2B | $5.2B |
| Depreciation, amortization and impairment of non-financial assets | $3.5B | $3.8B | $3.8B | $2.1B |
| Operating expenses | $40.2B | $41.2B | $38.8B | $24.9B |
| Operating profit / (loss) before tax | $8.9B | $6.8B | $28.7B | $9.6B |
| Tax expense / (benefit) | $1.1B | $1.7B | $873.0M | $1.9B |
| Net profit / (loss) | $7.8B | $5.1B | $27.9B | $7.7B |
| Net profit / (loss) attributable to non-controlling interests | $30.0M | $60.0M | $16.0M | $32.0M |
| Net profit / (loss) attributable to shareholders for basic EPS | $7767000000.00 | $5085000000.00 | $27849000000.00 | $7630000000.00 |
| Basic | $2.46 | $1.59 | $8.83 | $2.34 |
| Diluted | $2.36 | $1.52 | $8.45 | $2.25 |
| Line item | Jun 30, 2026 · YTD | Jun 30, 2025 · YTD | Jun 30, 2024 · YTD | Jun 30, 2023 · YTD |
|---|---|---|---|---|
| Interest income from financial instruments measured at amortized cost and fair value through other comprehensive income | $13.4B | $14.3B | $19.4B | — |
| Interest expense from financial instruments measured at amortized cost | ($11.6B) | ($13.8B) | ($19.0B) | — |
| Net interest income from financial instruments measured at fair value through profit or loss and other | $3.0B | $3.1B | $3.1B | — |
| Net interest income | $4.7B | $3.6B | $3.5B | $1.8B |
| Other net income from financial instruments measured at fair value through profit or loss | $7.6B | $7.3B | $7.9B | — |
| Fee and commission income | $16.8B | $14.8B | $14.3B | — |
| Fee and commission expense | ($1.5B) | ($1.3B) | ($1.3B) | — |
| Net fee and commission income | $15.3B | $13.5B | $13.0B | — |
| Other income | $271.0M | $243.0M | $278.0M | — |
| Total revenues | $27.9B | $24.7B | $24.6B | — |
| Credit loss expense / (release) | $191.0M | $263.0M | $201.0M | — |
| Personnel expenses | $15.0B | $14.0B | $14.1B | — |
| General and administrative expenses | $3.8B | $4.3B | $4.7B | $6.8B |
| Depreciation, amortization and impairment of non-financial assets | $1.5B | $1.8B | $1.8B | — |
| Operating expenses | $20.3B | $20.1B | $20.6B | — |
| Operating profit / (loss) before tax | $7.4B | $4.3B | $3.8B | — |
| Tax expense / (benefit) | $1.6B | $221.0M | $905.0M | — |
| Net profit / (loss) | $5.9B | $4.1B | $2.9B | — |
| Net profit / (loss) attributable to non-controlling interests | $26.0M | $18.0M | $48.0M | — |
| Net profit / (loss) attributable to shareholders | $5.8B | $4.1B | $2.9B | — |
| Basic | $1.89 | $1.29 | $0.90 | — |
| Diluted | $1.81 | $1.23 | $0.86 | — |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and balances at central banks | $209.9B | $223.3B | $314.1B | $169.4B |
| Amounts due from banks | $19.6B | $18.9B | $21.2B | $14.8B |
| Receivables from securities financing transactions measured at amortized cost | $83.7B | $118.3B | $99.0B | $67.8B |
| Cash collateral receivables on derivative instruments | $41.6B | $44.0B | $50.1B | $35.0B |
| Loans and advances to customers | $653.8B | $580.0B | $639.8B | $387.2B |
| Other financial assets measured at amortized cost | $71.9B | $58.8B | $65.5B | $53.3B |
| Total financial assets measured at amortized cost | $1.1T | $1.0T | $1.2T | $727.6B |
| Financial assets at fair value held for trading | $174.7B | $159.1B | $169.6B | $107.9B |
| of which: assets pledged as collateral that may be sold or repledged by counterparties | $44.6B | $38.5B | $51.3B | $36.7B |
| Derivative financial instruments | $147.8B | $185.6B | $176.1B | $150.1B |
| Brokerage receivables | $35.6B | $25.9B | $21.0B | $17.6B |
| Financial assets at fair value not held for trading | $107.6B | $95.5B | $104.0B | $59.8B |
| Total financial assets measured at fair value through profit or loss | $465.6B | $465.9B | $470.8B | $335.3B |
| Financial assets measured at fair value through other comprehensive income | $13.9B | $2.2B | $2.2B | $2.2B |
| Investments in associates | $2.3B | $2.3B | $2.4B | $1.1B |
| Property, equipment and software | $16.1B | $15.5B | $17.8B | $12.3B |
| Goodwill and intangible assets | $6.9B | $6.9B | $7.5B | $6.3B |
| Deferred tax assets | $11.5B | $11.1B | $10.7B | $9.4B |
| Other non-financial assets | $20.6B | $17.8B | $16.0B | $10.2B |
| Total assets | $1.6T | $1.6T | $1.7T | $1.1T |
| Amounts due to banks | $24.4B | $23.3B | $71.0B | $11.6B |
| Payables from securities financing transactions measured at amortized cost | $16.2B | $14.8B | $14.4B | $4.2B |
| Cash collateral payables on derivative instruments | $34.2B | $35.5B | $41.6B | $36.4B |
| Customer deposits | $788.4B | $745.8B | $792.0B | $525.1B |
| Debt issued measured at amortized cost | $214.7B | $214.2B | $237.8B | $114.6B |
| Other financial liabilities measured at amortized cost | $15.9B | $21.0B | $20.9B | $9.6B |
| Total financial liabilities measured at amortized cost | $1.1T | $1.1T | $1.2T | $701.5B |
| Financial liabilities at fair value held for trading | $53.7B | $35.2B | $34.2B | $29.5B |
| Derivative financial instruments | $156.2B | $180.6B | $192.2B | $154.9B |
| Brokerage payables designated at fair value | $62.2B | $49.0B | $42.5B | $45.1B |
| Debt issued designated at fair value | $113.8B | $107.9B | $128.3B | $73.6B |
| Other financial liabilities designated at fair value | $28.2B | $28.7B | $29.5B | $30.2B |
| Total financial liabilities measured at fair value through profit or loss | $414.1B | $401.5B | $426.6B | $333.4B |
| Provisions and contingent liabilities | $5.0B | $8.4B | $12.3B | $3.2B |
| Other non-financial liabilities | $14.0B | $14.8B | $14.1B | $9.0B |
| Total liabilities | $1.5T | $1.5T | $1.6T | $1.0T |
| Share capital | $334.0M | $346.0M | $346.0M | $304.0M |
| Share premium | $9.2B | $12.0B | $13.2B | $13.5B |
| Treasury shares | -7.9B | -6.4B | -4.8B | -6.9B |
| Retained earnings | $82.7B | $78.0B | $74.9B | $50.0B |
| Other comprehensive income recognized directly in equity, net of tax | $5.8B | $1.1B | $2.5B | ($103.0M) |
| Equity attributable to shareholders | $90.2B | $85.1B | $86.1B | $56.9B |
| Equity attributable to non-controlling interests | $271.0M | $494.0M | $531.0M | $342.0M |
| Total equity | $90.5B | $85.6B | $86.6B | $57.2B |
| Total liabilities and equity | $1.6T | $1.6T | $1.7T | $1.1T |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 |
|---|---|---|---|---|
| Cash and balances at central banks | $215.7B | $236.2B | $248.3B | — |
| Amounts due from banks | $21.0B | $21.5B | $22.0B | — |
| Receivables from securities financing transactions measured at amortized cost | $83.6B | $110.2B | $82.0B | — |
| Cash collateral receivables on derivative instruments | $51.3B | $45.5B | $43.6B | — |
| Loans and advances to customers | $662.9B | $646.0B | $599.1B | — |
| Other financial assets measured at amortized cost | $72.3B | $72.2B | $60.4B | — |
| Total financial assets measured at amortized cost | $1.1T | $1.1T | $1.1T | — |
| Financial assets at fair value held for trading | $179.2B | $169.2B | $162.0B | — |
| of which: assets pledged as collateral that may be sold or repledged by counterparties | $39.6B | $46.3B | $43.5B | — |
| Derivative financial instruments | $193.2B | $170.0B | $139.6B | — |
| Brokerage receivables | $44.7B | $29.1B | $25.3B | $4.0B |
| Financial assets at fair value not held for trading | $114.0B | $107.8B | $123.3B | — |
| Total financial assets measured at fair value through profit or loss | $531.0B | $476.0B | $450.2B | — |
| Financial assets measured at fair value through other comprehensive income | $14.5B | $6.9B | $2.2B | — |
| Investments in associates | $2.3B | $2.6B | $2.2B | — |
| Property, equipment and software | $16.0B | $16.4B | $16.4B | — |
| Goodwill and intangible assets | $6.8B | $7.0B | $7.3B | — |
| Deferred tax assets | $11.1B | $11.6B | $10.7B | — |
| Other non-financial assets | $18.8B | $17.8B | $16.5B | — |
| Total assets | $1.7T | $1.7T | $1.6T | $483.7B |
| Amounts due to banks | $27.3B | $31.9B | $26.8B | — |
| Payables from securities financing transactions measured at amortized cost | $20.4B | $16.3B | $14.9B | — |
| Cash collateral payables on derivative instruments | $37.3B | $33.0B | $32.8B | — |
| Customer deposits | $784.8B | $800.0B | $756.8B | $182.6B |
| Debt issued measured at amortized cost | $222.4B | $224.7B | $229.2B | — |
| Other financial liabilities measured at amortized cost | $17.1B | $18.4B | $21.4B | — |
| Total financial liabilities measured at amortized cost | $1.1T | $1.1T | $1.1T | — |
| Financial liabilities at fair value held for trading | $61.9B | $52.3B | $33.5B | — |
| Derivative financial instruments | $199.3B | $183.8B | $149.1B | — |
| Brokerage payables designated at fair value | $78.5B | $58.0B | $46.2B | — |
| Debt issued designated at fair value | $121.2B | $113.5B | $113.2B | — |
| Other financial liabilities designated at fair value | $29.8B | $29.4B | $31.9B | — |
| Total financial liabilities measured at fair value through profit or loss | $490.8B | $437.0B | $373.8B | — |
| Provisions and contingent liabilities | $4.6B | $7.5B | $9.3B | — |
| Other non-financial liabilities | $13.0B | $11.5B | $11.7B | — |
| Total liabilities | $1.6T | $1.6T | $1.5T | $437.6B |
| Share capital | $328.0M | $334.0M | $346.0M | — |
| Share premium | $5.9B | $8.6B | $11.7B | — |
| Treasury shares | -7.8B | -4.8B | -5.5B | — |
| Retained earnings | $86.0B | $79.7B | $76.2B | $9.9B |
| Other comprehensive income recognized directly in equity, net of tax | $4.7B | $5.5B | $917.0M | — |
| Equity attributable to shareholders | $89.2B | $89.3B | $83.7B | — |
| Equity attributable to non-controlling interests | $265.0M | $422.0M | $535.0M | — |
| Total equity | $89.4B | $89.7B | $84.2B | $46.1B |
| Total liabilities and equity | $1.7T | $1.7T | $1.6T | $483.7B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net profit / (loss) | $7.8B | $5.1B | $27.9B | $7.7B |
| Depreciation, amortization and impairment of non-financial assets | $3.5B | $3.8B | $3.8B | $2.1B |
| Credit loss expense / (release) | $524.0M | $551.0M | $1.0B | $29.0M |
| Share of net (profits) / loss of associates and joint ventures and impairment related to associates | ($77.0M) | ($144.0M) | $348.0M | ($32.0M) |
| Deferred tax expense / (benefit) | ($382.0M) | ($495.0M) | ($694.0M) | $494.0M |
| Net loss / (gain) from investing activities | ($485.0M) | $101.0M | ($102.0M) | ($1.5B) |
| Net loss / (gain) from financing activities | $17.9B | ($5.3B) | $8.5B | ($16.6B) |
| Other net adjustments | ($28.6B) | $22.4B | ($15.2B) | $5.8B |
| Amounts due from banks and amounts due to banks | ($77.0M) | ($2.4B) | $3.3B | ($1.1B) |
| Receivables from securities financing transactions measured at amortized cost | $40.5B | ($23.9B) | ($3.5B) | — |
| Payables from securities financing transactions measured at amortized cost | $800.0M | ($552.0M) | ($2.0B) | — |
| Cash collateral on derivative instruments | $1.6B | $242.0M | $96.0M | $76.0M |
| Loans and advances to customers | ($16.3B) | $27.0B | $27.9B | — |
| Customer deposits | ($12.9B) | ($15.1B) | $52.8B | — |
| Financial assets and liabilities at fair value held for trading and derivative financial instruments | $25.2B | ($13.6B) | $3.7B | $8.0B |
| Brokerage receivables and payables | $2.9B | $2.2B | ($6.0B) | $6.0B |
| Financial assets at fair value not held for trading and other financial assets and liabilities | ($13.4B) | $5.3B | $9.9B | $5.7B |
| Provisions and other non-financial assets and liabilities | ($4.6B) | ($116.0M) | $3.9B | $257.0M |
| Income taxes paid, net of refunds | ($2.0B) | ($1.9B) | ($1.9B) | ($1.6B) |
| Net cash flow from / (used in) operating activities | $21.9B | $3.3B | $86.1B | $14.6B |
| Cash and cash equivalents acquired upon the acquisition of the Credit Suisse Group | $276.0M | — | $108.5B | — |
| Purchase of subsidiaries, business, associates and intangible assets | ($17.0M) | ($64.0M) | ($4.0M) | ($3.0M) |
| Disposal of subsidiaries, business, associates and intangible assets | $653.0M | $256.0M | $121.0M | $1.7B |
| Purchase of property, equipment and software | ($2.4B) | ($2.0B) | ($1.7B) | ($1.6B) |
| Disposal of property, equipment and software | $209.0M | $108.0M | $65.0M | $161.0M |
| Purchase of financial assets measured at fair value | ($16.7B) | — | — | — |
| Disposal and redemption of financial assets measured at fair value | $5.2B | — | — | — |
| Purchase of debt securities measured at amortized cost | ($21.6B) | ($6.0B) | ($14.2B) | — |
| Disposal and redemption of debt securities measured at amortized cost | $11.8B | $8.4B | $10.4B | — |
| Net cash flow from / (used in) investing activities | ($22.8B) | $709.0M | $103.2B | ($12.4B) |
| Net issuance (repayment) of short-term debt measured at amortized cost | $1.7B | ($7.4B) | $3.2B | ($12.2B) |
| Net movements in treasury shares and own equity derivative activity | -5.2B | -2.9B | -2.8B | -6.0B |
| Distributions paid on UBS shares | -2.9B | -2.3B | -1.7B | -1.7B |
| Issuance of debt designated at fair value and long-term debt measured at amortized cost | $131.5B | $100.1B | $109.7B | $79.1B |
| Repayment of debt designated at fair value and long-term debt measured at amortized cost | ($154.6B) | ($129.7B) | ($109.5B) | ($67.7B) |
| Inflows from securities financing transactions measured at amortized cost | $2.3B | $6.3B | — | — |
| Outflows from securities financing transactions measured at amortized cost | ($2.7B) | ($4.7B) | — | — |
| Net cash flows from other financing activities | ($959.0M) | ($987.0M) | ($721.0M) | ($617.0M) |
| Net cash flow from / (used in) financing activities | ($30.9B) | ($84.2B) | ($58.3B) | ($9.1B) |
| Cash and cash equivalents at the beginning of the year | $244.1B | $340.2B | $195.3B | $207.9B |
| Net cash flow from / (used in) operating, investing and financing activities | ($31.8B) | ($80.2B) | $131.0B | ($6.9B) |
| Effects of exchange rate differences on cash and cash equivalents | $19.1B | ($15.9B) | $14.0B | ($5.7B) |
| Cash and cash equivalents at the end of the year | $231.4B | $244.1B | $340.3B | $195.3B |
| of which: cash and balances at central banks | $209.9B | $223.3B | $314.1B | — |
| of which: amounts due from banks | $18.3B | $17.4B | $19.2B | — |
| Line item | Jun 30, 2026 · YTD | Jun 30, 2025 · YTD | Jun 30, 2024 · YTD | Jun 30, 2023 · YTD |
|---|---|---|---|---|
| Net profit / (loss) | $5.9B | $4.1B | $2.9B | — |
| Depreciation, amortization and impairment of non-financial assets | $1.5B | $1.8B | $1.8B | — |
| Credit loss expense / (release) | $191.0M | $263.0M | $201.0M | — |
| Share of net (profit) / loss of associates and joint ventures and impairment related to associates | ($110.0M) | ($157.0M) | ($110.0M) | — |
| Deferred tax expense / (benefit) | $550.0M | ($607.0M) | $127.0M | — |
| Net loss / (gain) from investing activities | ($81.0M) | ($153.0M) | $95.0M | — |
| Net loss / (gain) from financing activities | $2.4B | $13.6B | ($4.0B) | — |
| Other net adjustments | $5.0B | ($31.2B) | $18.1B | — |
| Amounts due from banks and amounts due to banks | $3.3B | $7.0B | $675.0M | — |
| Receivables from securities financing transactions measured at amortized cost | ($982.0M) | $14.9B | $13.8B | — |
| Payables from securities financing transactions measured at amortized cost | $2.6B | $1.5B | ($38.0M) | — |
| Cash collateral on derivative instruments | ($6.8B) | ($3.5B) | ($2.1B) | — |
| Loans and advances to customers | ($19.6B) | ($7.2B) | $13.4B | — |
| Customer deposits | $5.8B | ($2.0B) | ($9.9B) | — |
| Financial assets and liabilities at fair value held for trading and derivative financial instruments | $1.1B | $33.8B | ($4.8B) | — |
| Brokerage receivables and payables | $7.3B | $5.3B | ($101.0M) | — |
| Financial assets at fair value not held for trading and other financial assets and liabilities | ($478.0M) | ($11.9B) | ($15.1B) | — |
| Provisions and other non-financial assets and liabilities | $1.0B | ($3.3B) | ($2.0B) | — |
| Income taxes paid, net of refunds | ($686.0M) | ($1.3B) | ($1.2B) | — |
| Net cash flow from / (used in) operating activities | $8.1B | $20.9B | $11.9B | — |
| Disposal of subsidiaries, business, associates and intangible assets | $560.0M | $482.0M | $55.0M | — |
| Purchase of property, equipment and software | ($1.2B) | ($1.1B) | ($913.0M) | — |
| Disposal of property, equipment and software | $81.0M | $62.0M | $40.0M | — |
| Purchase of financial assets measured at fair value | ($3.9B) | — | — | — |
| Disposal and redemption of financial assets measured at fair value | $3.1B | — | — | — |
| Purchase of debt securities measured at amortized cost | ($7.9B) | ($14.8B) | ($1.9B) | — |
| Disposal and redemption of debt securities measured at amortized cost | $8.0B | $5.6B | $4.8B | — |
| Net cash flow from / (used in) investing activities | ($1.2B) | ($14.2B) | $2.5B | — |
| Net issuance (repayment) of short-term debt measured at amortized cost | $10.5B | $3.0B | ($3.4B) | — |
| Net movements in treasury shares and own equity derivative activity | -3.2B | -2.1B | -1.8B | — |
| Distributions paid on UBS Group AG shares | -3.4B | -2.9B | -2.3B | — |
| Issuance of debt designated at fair value and long-term debt measured at amortized cost | $84.3B | $61.8B | $59.1B | — |
| Repayment of debt designated at fair value and long-term debt measured at amortized cost | ($81.2B) | ($71.1B) | ($71.4B) | — |
| Inflows from securities financing transactions measured at amortized cost | $1.7B | $565.0M | $2.9B | — |
| Net cash flows from other financing activities | ($400.0M) | ($544.0M) | ($404.0M) | — |
| Net cash flow from / (used in) financing activities | $8.4B | ($12.8B) | ($61.9B) | — |
| Cash and cash equivalents at the beginning of the period | $231.4B | $244.1B | $340.2B | — |
| Net cash flow from / (used in) operating, investing and financing activities | $15.2B | ($6.0B) | ($47.5B) | — |
| Effects of exchange rate differences on cash and cash equivalents | ($3.9B) | $21.0B | ($13.7B) | — |
| Cash and cash equivalents at the end of the period | $242.7B | $259.1B | $279.0B | — |
| of which: cash and balances at central banks | $215.7B | $236.2B | $248.3B | — |
| of which: amounts due from banks | $19.6B | $19.8B | $19.8B | — |
| of which: money market paper | $7.3B | $3.0B | $10.8B | — |
| Interest received in cash | $20.4B | $21.7B | $28.4B | — |
| Interest paid in cash | $15.6B | $19.6B | $24.1B | — |
UBS Group AG score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.