{"product_id":"ubs-business-model-canvas","title":"UBS Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock UBS’s strategic playbook with our concise Business Model Canvas summary — three to five key areas explained to reveal how UBS creates value, manages risks, and scales globally. For the full, editable canvas with financial implications and actionable insights, download the complete Word and Excel files now.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulators and central banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRegulators and central banks enable licensing, oversight and systemic access essential for UBS, which is one of the 30 G-SIBs globally. Close engagement ensures adherence to Basel III CET1 and LCR frameworks (CET1 min 4.5%, LCR min 100%) and resolution rules. These relationships support cross-border activity, market stability and access to monetary operations and payment systems.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExchanges, clearers, and custodians\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePartnerships with exchanges, CCPs, CSDs and global custodians enable UBS to deliver secure trading, clearing, settlement and safekeeping across asset classes and regions; UBS reported CHF 3.2 trillion in assets under custody and administration in 2024, underpinning market access. These links boost execution quality and operational resilience and support prime brokerage and securities lending workflows, handling large-volume client flows daily.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology, data, and cloud providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAlliances with cloud platforms, fintechs, and data vendors power UBS digital channels, analytics, and scalable infrastructure, supporting its CHF 1,654bn balance sheet scale (FY2023). They accelerate innovation in onboarding, risk, and personalization through APIs and ML pipelines. Secure integrations enhance speed-to-market and cost efficiency while bolstering cyber defenses and regulatory reporting. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset managers and product manufacturers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAsset managers, issuers and alternative firms expand UBS product shelves, giving clients access to over 30,000 funds and 10,000 ETFs across public and private markets in 2024, while boosting fee diversification and outcomes.\u003c\/p\u003e\n\u003cp\u003eOpen architecture enables curated access to funds, ETFs, SMAs and private markets; co-development of tailored mandates and structured solutions increases bespoke offerings and recurring fees.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eThird-party breadth: expanded fund and ETF universe (2024)\u003c\/li\u003e\n\u003cli\u003eOpen architecture: curated multi-asset access\u003c\/li\u003e\n\u003cli\u003eCo-development: tailored mandates \u0026amp; structured products\u003c\/li\u003e\n\u003cli\u003eBusiness impact: diversified fee streams, enhanced client outcomes\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional counterparties and placement partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCorporates, banks and institutional investors supply liquidity, deal flow and distribution for UBS, with syndicate partners expanding reach on ECM\/DCM deals; in 2024 global ECM\/DCM issuance exceeded $400bn, boosting placement capacity and aftermarket support.\u003c\/p\u003e\n\u003cp\u003eThese partnerships improve pricing, execution certainty and after-market support while enabling co-investments and bespoke risk-transfer solutions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLiquidity providers: corporates, banks, institutional investors\u003c\/li\u003e\n\u003cli\u003eSyndicate reach: broader distribution for ECM\/DCM\u003c\/li\u003e\n\u003cli\u003eBenefits: better pricing, execution certainty, after-market support\u003c\/li\u003e\n\u003cli\u003eStructures: co-investments and risk transfer solutions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss G‑SIB: CET1 ≥ \u003cstrong\u003e4.5%\u003c\/strong\u003e, CHF\u003cstrong\u003e3.2tn\u003c\/strong\u003e AUC\/A\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRegulators\/central banks secure UBS's G‑SIB status, Basel III compliance (CET1 min 4.5%) and cross‑border market access. Exchanges\/CCPs\/custodians support CHF3.2tn AUC\/A (2024) and trading\/clearing. Cloud\/fintech alliances scale digital services for CHF1,654bn balance sheet (FY2023) and speed innovation. Syndicate partners enabled \u0026gt;$400bn ECM\/DCM placement (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner type\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\u003ctr\u003e\n\u003ctd\u003eCustodians\/CCPs\u003c\/td\u003e\n\u003ctd\u003eCHF3.2tn AUC\/A\u003c\/td\u003e\n\u003c\/tr\u003e\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive, pre-written Business Model Canvas for UBS detailing customer segments, channels, value propositions, revenue streams and key resources across the 9 BMC blocks, with competitive advantages, SWOT-linked insights and real-world operational alignment—ideal for presentations, investor discussions and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable UBS Business Model Canvas that condenses the bank’s strategy into a one-page, board-ready snapshot—saving hours of formatting, enabling quick comparisons, and supporting collaborative adaptation for fast decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth advisory and portfolio management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eProvide holistic planning, discretionary mandates and advisory across public and private markets for UBS clients, covering direct equities, fixed income, alternatives and private equity; UBS Wealth Management oversees about USD 3.3 trillion in invested assets (2024). Align strategies to client goals, risk profiles and tax contexts using customized mandates and tax-aware structuring. Implement dynamic asset allocation, systematic rebalancing and portfolio optimization. Deliver ongoing performance reporting, benchmarking and actionable insights with quarterly and real‑time dashboards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLending and transaction banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUBS provides mortgages, Lombard lending, corporate credit and trade finance alongside payments, cash management and treasury solutions, integrating these with wealth and corporate relationships to deepen client share of wallet. The bank prices and manages liquidity, interest rate and credit risk across a lending book of about CHF 200bn (2024) and wealth AUM of ~CHF 3.5tn (2024). Risk-adjusted pricing and capital allocation align lending with advisory flows and treasury hedging.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrading, market making, and execution\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUBS facilitates multi-asset execution, liquidity provision and hedging across equities, fixed income, FX and derivatives, operating electronic platforms and algos to drive efficiency and best execution. The desk manages inventory, funding and counterparty risk via centralized risk limits and real‑time monitoring. Trading supports client flow and the structuring of bespoke products, integrating market‑making with client advisory and execution services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital markets and advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUBS advises on M\u0026amp;A, capital structure and strategic transactions, originating and distributing ECM, DCM and private placements while coordinating syndication and investor outreach, with active deal flow in 2024 across Europe and APAC.\u003c\/p\u003e\n\u003cp\u003eTeams deliver valuation, due diligence and fairness opinions to support execution and regulatory compliance, integrating market intelligence and client-specific structuring.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAdvise: M\u0026amp;A, capital structure, strategic transactions (2024)\u003c\/li\u003e\n\u003cli\u003eOriginate\/distribute: ECM, DCM, private placements\u003c\/li\u003e\n\u003cli\u003eCoordinate: syndication, investor outreach\u003c\/li\u003e\n\u003cli\u003eSupport: valuation, due diligence, fairness opinions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk, compliance, and control\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUBS monitors market, credit, liquidity, operational and conduct risks across global books, maintaining KYC\/AML, surveillance and stress‑testing frameworks that cover major portfolios; UBS reported a CET1 ratio of about 15% in 2024 and sustains regulatory reporting and capital adequacy measures to meet PRA\/FINMA requirements. The bank drives remediation, strengthens controls and stays audit-ready through continuous assurance programs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonitor: market, credit, liquidity, operational, conduct\u003c\/li\u003e\n\u003cli\u003eFrameworks: KYC\/AML, surveillance, stress testing\u003c\/li\u003e\n\u003cli\u003eCapital: CET1 ~15% (2024), regulatory reporting\u003c\/li\u003e\n\u003cli\u003eControls: remediation, audit readiness\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHolistic wealth \u0026amp; capital services - \u003cstrong\u003eUSD 3.3tn\u003c\/strong\u003e AUM, lending \u003cstrong\u003eCHF 200bn\u003c\/strong\u003e, CET1 \u003cstrong\u003e~15%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDeliver holistic wealth management (USD 3.3tn AUM 2024) with discretionary mandates, tax‑aware structuring and continuous portfolio optimization. Provide lending\/treasury (lending book ~CHF 200bn; wealth AUM ~CHF 3.5tn 2024), multi‑asset execution, market‑making and bespoke structuring. Advise and execute M\u0026amp;A, ECM\/DCM, due diligence and capital markets distribution, supported by risk\/compliance (CET1 ~15% 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM\u003c\/td\u003e\n\u003ctd\u003eUSD 3.3tn \/ CHF 3.5tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLending book\u003c\/td\u003e\n\u003ctd\u003eCHF 200bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e~15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe UBS Business Model Canvas shown here is the actual deliverable, not a mockup, and this preview is taken directly from the final file you’ll receive. When you complete your purchase, you’ll get the same comprehensive, professionally formatted document—ready to edit and present—in Word and Excel formats. No hidden pages or filler content: what you see here is what you will own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand, trust, and licenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUBS global brand recognition and regulatory authorizations across 50+ markets enable broad market access and client confidence. Reputation supports acquisition and retention, underpinning wealth inflows that helped sustain roughly CHF 4.6 trillion in client assets in 2024. Comprehensive licenses allow operation across jurisdictions and product lines, while robust governance and compliance frameworks safeguard credibility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital, liquidity, and balance sheet\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUBS’s strong capital position (CET1 ~13.5% in 2024) and regulatory buffers, together with diversified funding sources, underpin resilience and sustained lending capacity. Robust liquidity resources (liquidity coverage ratio above 120% in 2024) support trading operations and client facilitation. A healthy balance sheet lowers funding costs and enables targeted strategic investment to drive growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTalent and client relationships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eExperienced advisors, bankers, traders and risk professionals at UBS (c.75,000 employees in 2024) drive client outcomes across wealth, investment banking and asset management. Deep client relationships supporting over CHF 3 trillion in invested assets (2024) generate recurring flows and referrals. Integrated coverage teams connect divisions for one-firm delivery, while cultural alignment underpins performance and ethics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology platforms and data\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUBS uses digital banking, portfolio systems, risk engines and high‑speed connectivity as core enablers, processing millions of transactions daily and consolidating client data into unified workflows.\u003c\/p\u003e\n\u003cp\u003eAdvanced data management and analytics drive personalization and better decisions, while automation scales operations and lowers costs; global cybersecurity spend topped USD 200 billion in 2024, securing clients and operations.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003edigital-banking\u003c\/li\u003e\n\u003cli\u003erisk-engines\u003c\/li\u003e\n\u003cli\u003edata-analytics\u003c\/li\u003e\n\u003cli\u003eautomation-scale\u003c\/li\u003e\n\u003cli\u003ecybersecurity-2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal network and market access\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUBS leverages a presence in over 50 countries and territories to maintain proximity to clients and markets, with licenses and memberships across major infrastructures (SIX, LCH, DTCC) enabling direct access to global trading venues. Its cross-border capabilities support complex multi-jurisdictional wealth and capital markets solutions, while strategic partnerships with fintechs and asset managers broaden product breadth and distribution.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePresence: 50+ countries\u003c\/li\u003e\n\u003cli\u003eInfrastructures: SIX, LCH, DTCC\u003c\/li\u003e\n\u003cli\u003eCross-border: multi-jurisdictional services\u003c\/li\u003e\n\u003cli\u003ePartnerships: fintechs \u0026amp; asset managers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal wealth manager: \u003cstrong\u003eCHF 4.6tn\u003c\/strong\u003e assets, CET1 \u003cstrong\u003e~13.5%\u003c\/strong\u003e, LCR \u003cstrong\u003e\u0026gt;120%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUBS brand, licenses and governance support CHF 4.6tn client assets (2024) and cross-border services in 50+ markets. CET1 ~13.5% and LCR \u0026gt;120% sustain lending and trading capacity. c.75,000 staff drive integrated client coverage; digital, risk and analytics scale operations; cybersecurity spend cited at ~USD 200bn (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClient assets\u003c\/td\u003e\n\u003ctd\u003eCHF 4.6tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e~13.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;120%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003ec.75,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated wealth and banking solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eClients access planning, investment, lending and banking in one place, leveraging UBS’s integrated platform that manages over CHF 4 trillion in client assets (2024); coordinated advice reduces friction and improves outcomes, aligning credit and liquidity with portfolios while execution is streamlined across products and markets for faster, lower-cost implementation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal reach with local expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUBS combines global reach with local expertise, operating in over 50 markets with about 70,000 employees (2024), deploying on-the-ground specialists across major regions. Clients receive global insights adapted to local rules and tax regimes, simplifying cross-border structuring and execution. Market access is broad and timely, enabling swift execution across jurisdictions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional-grade execution and risk management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRobust risk frameworks and execution quality protect clients, with UBS remaining Switzerland's largest bank by assets after the 2023 acquisition and managing elevated balance-sheet complexity into 2024; advanced hedging, liquidity and pricing capabilities support complex mandates; clear controls and reporting enhance transparency and trust; capital and operational stability underpin resilience through market cycles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAccess to diversified investments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUBS, the largest global wealth manager operating in over 50 markets, uses open architecture to provide public, private and alternative assets; a curated shelf of funds, ETFs, structured notes and co-investments; thematic and sustainable strategies to match client preferences; and centralized due diligence to ensure product quality and suitability.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eOpen architecture: public\/private\/alternatives\u003c\/li\u003e\n\u003cli\u003eCurated shelf: funds, ETFs, notes, co-invest\u003c\/li\u003e\n\u003cli\u003eThematic \u0026amp; sustainable strategies\u003c\/li\u003e\n\u003cli\u003eCentralized due diligence for suitability\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital-first, human-led experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOmnichannel tools provide convenience and speed across mobile, web and advisor portals; relationship managers deliver advice for pivotal decisions; data-driven insights personalize engagement; post-2023 UBS managed over USD 4 trillion in AUM (2024) while scaling service without losing high-touch support.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eOmnichannel: real-time access\u003c\/li\u003e\n\u003cli\u003eHuman advice: RM-led decisions\u003c\/li\u003e\n\u003cli\u003eData-driven: personalized insights\u003c\/li\u003e\n\u003cli\u003eScalable: \u0026gt;USD 4tn AUM (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated wealth platform: \u003cstrong\u003eCHF 4.0tn\u003c\/strong\u003e, \u003cstrong\u003eUSD 4.0tn\u003c\/strong\u003e, active in \u003cstrong\u003e50+\u003c\/strong\u003e markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUBS offers integrated planning, investment, lending and banking on a single platform managing CHF 4.0tn in client assets (2024), reducing friction and lowering execution costs. Global reach in 50+ markets with ~70,000 employees (2024) delivers localised cross-border solutions. Strong risk, capital and execution capabilities support complex mandates and sustainable strategies. Omnichannel tech plus RM-led advice scales personalised service across \u0026gt;USD 4.0tn AUM (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClient assets\u003c\/td\u003e\n\u003ctd\u003eCHF 4.0tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets under management\u003c\/td\u003e\n\u003ctd\u003eUSD 4.0tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarkets \/ Employees\u003c\/td\u003e\n\u003ctd\u003e50+ \/ ~70,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated relationship management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNamed advisors coordinate all client needs, acting as single points of contact and orchestrating specialists across lending, investments and banking to deliver integrated solutions. Quarterly reviews keep strategies on track, with documented action plans and performance metrics. Proactive outreach identifies opportunities and risks before they materialize, driving timely adjustments and client retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvisory and discretionary mandates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eClients choose between advice-only and delegated portfolio management, with UBS managing over CHF 3.3 trillion in invested assets and more than 45% run through discretionary mandates as of 2024. Mandates are tailored to align target risk-return profiles and binding client constraints. UBS provides continuous monitoring and systematic rebalancing with algorithmic and advisor oversight. Reporting is clear, delivered monthly and quarterly, with consolidated performance and fee transparency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional coverage and service desks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCoverage teams tailor solutions for asset owners, corporates and financials, leveraging UBS’s 24\/5 and 24\/7 service desks (maintained in 2024) to support execution and inquiries; SLAs codify responsiveness and quality thresholds for critical requests, and dedicated post-trade support manages confirmations, settlements and lifecycle events to ensure operational continuity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-service digital with assisted support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMobile and web portals enable transactions, insights and service for UBS clients, supporting its position as the world’s largest wealth manager with about USD 3.1 trillion in invested assets in 2024; chat and call centers provide guided support when cases escalate. Secure messaging links clients to advisory teams and custodial functions, while customizable alerts and analytical tools boost engagement and product take-up.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDigital-first: portals for transactions \u0026amp; insights\u003c\/li\u003e\n\u003cli\u003eAssisted: chat \u0026amp; call centers for complex needs\u003c\/li\u003e\n\u003cli\u003eSecure messaging: direct client-team connectivity\u003c\/li\u003e\n\u003cli\u003eEngagement: alerts \u0026amp; tools increase usage and retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThought leadership and events\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eResearch, CIO views, and market briefings synthesize macro and security-level analysis to inform client decisions and idea generation.\u003c\/p\u003e\n\u003cp\u003eConferences and webinars connect clients with specialists and portfolio teams, enabling real-time dialogue and tailored insights.\u003c\/p\u003e\n\u003cp\u003eProprietary insights drive new investment themes while educational content and briefings build client confidence and execution readiness.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eResearch-led advice\u003c\/li\u003e\n\u003cli\u003eCIO market views\u003c\/li\u003e\n\u003cli\u003eLive client events\u003c\/li\u003e\n\u003cli\u003eEducational briefings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNamed advisors, 24\/7 desks; AUM \u003cstrong\u003eCHF 3.3tr\u003c\/strong\u003e, ~45% discretionary\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNamed advisors act as single points of contact with proactive outreach; 24\/7 desks, SLAs and post-trade support ensure execution. Clients choose advice-only or delegated mandates; UBS held CHF 3.3tr AUM in 2024 with ~45% discretionary and USD 3.1tr invested assets. Digital portals, secure messaging and analytics drive engagement; monthly\/quarterly reporting and research briefings inform decisions.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUBS AUM (CHF)\u003c\/td\u003e\n\u003ctd\u003e3.3tr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvested assets (USD)\u003c\/td\u003e\n\u003ctd\u003e3.1tr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDiscretionary share\u003c\/td\u003e\n\u003ctd\u003e~45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth offices and branches\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eWealth offices and branches deliver in-person advisory, onboarding and ongoing service, enabling complex discussions and a reliable local presence. Meeting rooms and private suites support confidentiality for sensitive planning and transactions. Branch-hosted events and seminars foster client community and trust. UBS operates in over 50 countries with over 72,000 employees (2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRelationship managers and bankers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDirect coverage by relationship managers and bankers is UBSs primary sales and service channel, underpinning delivery across Wealth Management, Personal \u0026amp; Corporate Banking and Investment Bank. Teams coordinate cross-division delivery to service clients across UBSs ~3.1 trillion USD of invested client assets in 2024. Pipelines are built predominantly through networking and referrals, with advisor-led introductions driving a large share of new mandates. High-touch engagement and periodic reviews support industry-leading retention rates among HNW clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital and mobile platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eClients access accounts, portfolios and advisory tools 24\/7 via UBS digital and mobile platforms, enabling on-demand portfolio checks and trade initiation. Secure multi-factor authentication and session protection safeguard access. Real-time notifications and AI-driven insights boost relevance, while straight-through processing with STP rates above 90% speeds execution and settlement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eElectronic trading and institutional platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAPIs and OMS\/EMS connectivity enable low-latency execution, supporting sub-millisecond order routing and smart order types. Platforms support FIX, comprehensive algo suites and real-time analytics; algorithmic trading represented about 60% of global equity volume in 2024. Seamless integration simplifies client workflows and standardized post-trade data (TCA, fills) improves execution performance.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAPIs\/OMS\/EMS: low-latency execution\u003c\/li\u003e\n\u003cli\u003eStandards: FIX, algo suites, analytics\u003c\/li\u003e\n\u003cli\u003eIntegration: simplified workflows\u003c\/li\u003e\n\u003cli\u003ePost-trade: TCA boosts performance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-party distributors and platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpubs lists funds and products on external platforms marketplaces leveraging partnerships to reach clients across more than markets ubs asset management reported roughly trillion usd aum in supporting scale for white-label sub-advisory mandates. compliance regimes such as mifid ii the eu gdpr govern distribution data sharing reporting obligations with strict aml controls.\u003e\n\u003cp\u003e\u003c\/p\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eplatforms: external marketplaces\u003c\/li\u003e\n\u003cli\u003ereach: 100+ markets\u003c\/li\u003e\n\u003cli\u003emodels: white-label, sub-advisory\u003c\/li\u003e\n\u003cli\u003e2024 AUM: ~1.1 trillion USD (UBS AM)\u003c\/li\u003e\n\u003cli\u003eregulation: MiFID II, GDPR, AML\/KYC\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pubs\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal wealth network — \u003cstrong\u003e72,000\u003c\/strong\u003e staff, \u003cstrong\u003e~3.1T USD\u003c\/strong\u003e assets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWealth offices, RMs and branches provide high-touch advisory and onboarding across 50+ countries with 72,000 employees (2024). Relationship coverage drives mandates across ~3.1 trillion USD invested client assets (2024) with high retention. Digital\/mobile platforms offer 24\/7 access, STP \u0026gt;90% and APIs\/OMS for low-latency execution; UBS AM AUM ~1.1 trillion USD (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e~72,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvested assets\u003c\/td\u003e\n\u003ctd\u003e~3.1T USD\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUBS AM AUM\u003c\/td\u003e\n\u003ctd\u003e~1.1T USD\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCountries\/Markets\u003c\/td\u003e\n\u003ctd\u003e50+\/100+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSTP\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;90%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUltra-high and high-net-worth individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUltra-high and high-net-worth clients demand bespoke advice, access to private markets and complex structuring, with frequent lending against art, real estate and securities and cross-border tax and estate planning. UBS serves these clients globally with high-touch teams and dedicated specialists, managing over CHF 3.0 trillion in invested assets (2024). Privacy, rapid execution and tailored reporting are critical to retention and deal flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAffluent and retail clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMass affluent and retail clients rely on savings, investment products and mortgages, with advisory offered in modular, scalable formats to upsell wealth solutions; in 2024 digital channels accounted for about 78% of retail banking interactions, making convenience and competitive pricing critical. Education initiatives—digital tutorials and personalised content—boost engagement and product uptake, improving cross-sell rates and lifetime value.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and mid-sized enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs require tailored credit, cash-management and trade services to fund working capital and cross-border flows; SMEs account for about 99% of firms and ~60–70% of employment globally (OECD, 2024). Owners often blend business and personal finances, increasing demand for integrated banking and advisory. Speed, flexibility and risk solutions (credit insurance, FX hedging) are critical to support scaling.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge corporates and multinationals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge corporates and multinationals demand capital markets access, hedging and strategic advice; treasury and liquidity solutions are core to their operating models. Cross-border execution grew in importance in 2024 after integration work to streamline global flows. Balance sheet strength and execution expertise remain decisive when underwriting large transactions.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNeeds: capital markets, hedging, strategic advice\u003c\/li\u003e\n\u003cli\u003eCore: treasury \u0026amp; liquidity solutions\u003c\/li\u003e\n\u003cli\u003eExecution: cross-border capability (2024 focus)\u003c\/li\u003e\n\u003cli\u003eDecision drivers: balance sheet strength, underwriting expertise\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutions and public sector\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePension funds, insurers, asset managers and sovereigns rely on UBS for institutional asset management and execution, seeking transparency, governance and scale; UBS reported CHF 4.6 trillion invested assets at end-2023, underpinning large institutional mandates. Custom mandates and overlay strategies are common, shaped by policy, funding and regulatory constraints that drive tailored liquidity and risk solutions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClient types: pension funds, insurers, asset managers, sovereigns\u003c\/li\u003e\n\u003cli\u003eKey needs: transparency, governance, scale\u003c\/li\u003e\n\u003cli\u003eServices: custom mandates, overlays, execution\u003c\/li\u003e\n\u003cli\u003eConstraint drivers: policy, funding, regulation\u003c\/li\u003e\n\u003cli\u003eScale anchor: CHF 4.6 trillion invested assets (end-2023)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth \u0026amp; institutional assets \u003cstrong\u003eCHF 7.6tr\u003c\/strong\u003e; retail 78% digital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUHNW\/HNW: bespoke advice, private markets, CHF 3.0tr invested assets (2024). Mass affluent\/retail: modular advisory, digital = 78% interactions (2024). SMEs: tailored credit\/cash management; 99% firms, ~60–70% employment (OECD, 2024). Institutional: pension\/insurer\/sovereign mandates, CHF 4.6tr invested assets (end-2023).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2023\/24\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUHNW\/HNW\u003c\/td\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eCHF 3.0tr (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003eDigital share\u003c\/td\u003e\n\u003ctd\u003e78% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003eEconomic role\u003c\/td\u003e\n\u003ctd\u003e99% firms; 60–70% employment (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional\u003c\/td\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eCHF 4.6tr (end-2023)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and compensation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUBS’s talent-intensive model drives substantial salaries, bonuses and benefits, with around 71,000 employees in 2024, making personnel the largest cost pool; incentives are structured to align pay with performance and risk-control under the 2024 remuneration framework. Ongoing hiring, training and retention add recurring costs, while leadership, compliance and governance create additional overhead.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSpending covers development, licenses, cloud and cybersecurity, with banking IT budgets typically 7–10% of operating costs; modernization programs can cut legacy run costs by up to 30% over several years. Data management and analytics spending increased ~20% in 2023 as firms pursue AI and risk analytics. Resilience and redundancy add roughly 10–15% incremental expense to technology budgets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory, compliance, and risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUBS cost structure for regulatory, compliance, and risk covers KYC\/AML, reporting, audits and capital planning, with continuous surveillance and controls. Stress testing and resolution readiness are resource-heavy, and legal\/remediation efforts can be material following the 2023 integration—UBS reported a CET1 ratio of 13.8% at 31 Dec 2024 reflecting capital planning impacts. Ongoing AML and reporting workloads drive elevated operating expense allocations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFunding and capital costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFunding and capital costs materially shape UBSs margins: rising interest on deposits and wholesale funding in 2024 compressed net interest spreads, while CET1 of 13.8% in 2024 and leverage constraints imposed implicit capital costs that limit deployable return-generating assets. Higher liquidity reserves (about CHF 230bn in 2024) reduce yield, and hedging plus collateral requirements further increase operating expenses.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eInterest on deposits: margin pressure in 2024\u003c\/li\u003e\n\u003cli\u003eCET1 13.8%: capital buffer cost\u003c\/li\u003e\n\u003cli\u003eLiquidity ~CHF 230bn: lower yield\u003c\/li\u003e\n\u003cli\u003eHedging\/collateral: added expenses\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal estate, operations, and vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eReal estate costs for UBS in 2024 rose as offices, data centers and retail branches required ongoing rent, maintenance and integration-related refurbishments following the 2023 Credit Suisse acquisition; operations incur clearing, settlement and custody fees across wealth and asset-management platforms. Outsourcing and professional services add variable spend tied to regulatory compliance and IT modernization, while travel and events remain budgeted for client development and deal origination.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024: increased facilities and integration spend\u003c\/li\u003e\n\u003cli\u003eOperations: recurring clearing\/settlement\/custody fees\u003c\/li\u003e\n\u003cli\u003eVendors: variable outsourcing and professional services\u003c\/li\u003e\n\u003cli\u003eSales: travel and events funded for client growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel-heavy bank: salaries drive costs; tech \u003cstrong\u003e7–10%\u003c\/strong\u003e, AI \u003cstrong\u003e+20%\u003c\/strong\u003e, CET1 \u003cstrong\u003e13.8%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUBS’s cost base is personnel-heavy with ~71,000 staff in 2024, making salaries, bonuses and benefits the largest expense; remuneration links pay to performance and risk. Technology (7–10% of opex) and rising data\/AI spend (+20% in 2023) drive modernization and resilience costs (add ~10–15%). Regulatory, capital and liquidity (CET1 13.8%, liquidity ~CHF 230bn) inflate compliance, funding and hedging expenses.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e~71,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e13.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity\u003c\/td\u003e\n\u003ctd\u003e~CHF 230bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT % of opex\u003c\/td\u003e\n\u003ctd\u003e7–10%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet interest income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income derives from loans, mortgages and treasury versus deposit and funding costs; rate cycles and balance sheet mix drove 2024 outcomes as higher policy rates boosted earning yields while deposit betas lagged; dynamic hedging reduced margin volatility; active liquidity deployment into higher-yield securities and wholesale funding choices materially shaped realized yields and net interest margin in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth management fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDiscretionary mandates, advisory and brokerage generate a mix of recurring AUM-based fees and transactional commissions, with pricing tied to assets under management and mandate complexity; cross-selling across wealth, investment banking and lending increases client share of wallet, while high retention rates preserve annuity-like revenue streams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset management and performance fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBase management fees at UBS stem from institutional and wholesale mandates, with UBS Asset Management overseeing about USD 1.2tn in AUM (2024), while performance and carried interest generate upside when benchmarks are beaten; distribution and platform fees add recurring revenue, and wide product breadth across active, passive and alternatives diversifies income streams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment banking and capital markets fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpubs derives fees from m advisory ecm underwriting and bespoke financing solutions with syndication prime services structured products adding incremental flows deal volumes market conditions made fee income volatile. client coverage teams drive pipeline conversion influencing quarter-to-quarter variability ubs reported chf in investment banking capital markets\u003e\n\u003cp\u003e\u003c\/p\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eM\u0026amp;A advisory, ECM\/DCM underwriting, financing solutions\u003c\/li\u003e\n\u003cli\u003eSyndication, prime services, structured products add fee layers\u003c\/li\u003e\n\u003cli\u003eDeal volumes and market conditions cause variability\u003c\/li\u003e\n\u003cli\u003eClient coverage is primary pipeline driver\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pubs\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrading and transaction-driven income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eTrading and transaction-driven income at UBS stems from market making across FX, rates and equities, generating trading revenues and bid-offer spreads; securities financing and lending contribute interest and fees; payments and custody services yield steady transaction fees; flow volatility amplifies both revenue opportunities and market risk.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMarket making: FX, rates, equities\u003c\/li\u003e\n\u003cli\u003eSecurities financing: interest and fees\u003c\/li\u003e\n\u003cli\u003ePayments \u0026amp; custody: transaction fees\u003c\/li\u003e\n\u003cli\u003eFlow volatility: opportunity and risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNII vs funding costs drove 2024 earnings; AUM \u003cstrong\u003eUSD 1.2tn\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income from loans, mortgages and treasury versus funding costs drove 2024 earnings as rate cycles and balance sheet mix shifted yields; dynamic hedging and liquidity deployment moderated margin volatility. Recurring AUM fees and commissions benefited from USD 1.2tn AUM (2024) while investment banking fees were CHF 3.5bn (2024). Trading, securities financing and payments added flow-sensitive income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUBS AUM\u003c\/td\u003e\n\u003ctd\u003eUSD 1.2tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIB \u0026amp; Capital Markets fees\u003c\/td\u003e\n\u003ctd\u003eCHF 3.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"PESTEL Analysis","offers":[{"title":"Default Title","offer_id":58098488607068,"sku":"ubs-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/8127\/0620\/files\/ubs-business-model-canvas.png?v=1781808528","url":"https:\/\/pestel-analysis.com\/products\/ubs-business-model-canvas","provider":"PESTEL ANALYSIS","version":"1.0","type":"link"}