UBS Group

UBS Group's market capitalisation (end of period) fell 8.02% to USD 50,714 mil in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group stock traded at USD 11.0 per share at the end of third quarter of 2019 implying a market capitalization of USD 50,714 mil....

UBS Group's net profit fell 17.2% yoy to USD 1,049 mil in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group made a net profit of USD 1,049 mil under revenues of USD 7,563 mil in the third quarter of 2019, down 17.2% and 2.7...

UBS Group's share price (end of period) fell 28.6% yoy to USD 11.0 in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group stock traded at USD 11.0 per share at the end of third quarter of 2019 implying a market capitalization of USD 50,714 mil. Ov...

Profit Statement 2016 2017 2018
Net Interest Income USD mil 6,513 5,801 5,703
Net Fee Income USD mil 16,650 17,461 17,893
Other Income USD mil 7,122 8,125 8,826
Total Revenues USD mil 30,285 31,387 32,422
Operating Profit USD mil 7,917 8,837 9,497
Provisions USD mil 37.6 130 118
Net Profit USD mil 3,253 1,070 4,516
Balance Sheet 2016 2017 2018
Interbank Loans USD mil 78,059 93,446 112,217
Customer Loans USD mil 301,145 328,233 337,192
Debt Securities USD mil 198,588 225,826 193,727
Total Assets USD mil 919,206 940,470 958,490
Shareholders' Equity USD mil 53,384 52,661 53,103
Interbank Borrowing USD mil 66,284 108,867 116,293
Customer Deposits USD mil 416,509 420,089 419,839
Issued Debt Securities USD mil 77,786 91,003 94,124
Ratios 2016 2017 2018
ROE % 5.88 2.02 8.54
ROA % 0.349 0.115 0.476
Costs (As % Of Assets) % 2.40 2.43 2.41
Costs (As % Of Income) % 73.9 71.8 70.7
Capital Adequacy Ratio % 24.7 21.7 19.8
Net Interest Margin % 0.699 0.624 0.601
Loans (As % Of Deposits) % 72.3 78.1 80.3
NPLs (As % Of Loans) % 0.782 0.654 0.711
Provisions (As % Of NPLs) % 24.8 31.4 130
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 58,210 68,561 45,843
Share Price (End Of Period) USD 15.2 17.9 11.9
Price/Earnings (P/E) 17.9 64.1 10.2
Price/Book Value (P/BV) 1.09 1.30 0.863
Dividend Yield % 3.89 3.58 5.63
Earnings Per Share (EPS) USD 0.851 0.279 1.18
Book Value Per Share USD 14.0 13.7 13.8
Dividend Per Share USD 0.591 0.640 0.672

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summary Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                          
Net Interest Income USD mil                             6,378 6,246 7,169 6,997 6,513    
Total Revenues USD mil                             31,290 31,851 32,217 32,862 30,285    
Operating Profit USD mil                             7,614 8,046 7,745 8,341 7,917    
Net Profit USD mil                             -2,646 3,424 3,791 6,448 3,253    
balance sheet                                          
Interbank Loans USD mil ... ... ... ... ... ... ... ... ... ...         166,369 118,655 82,250 79,865 78,059    
Customer Loans USD mil                             306,035 322,934 317,695 312,048 301,145    
Debt Securities USD mil ... ... ... ... ... ... ... ... ... ...         298,789 244,467 225,706 218,374 198,588    
Total Assets USD mil                             1,377,400 1,140,400 1,069,000 943,102 919,206    
Shareholders' Equity USD mil                             53,685 56,195 54,702 57,325 53,384    
Interbank Borrowing USD mil                             114,838 70,643 82,473 76,069 66,284    
Customer Deposits USD mil                             408,330 439,821 412,725 390,303 416,509    
Issued Debt Securities USD mil                             114,626 91,814 69,107 75,779 77,786    
ratios                                          
ROE %                             -4.59 6.23 6.84 11.5 5.88    
ROA %                             -0.183 0.272 0.343 0.641 0.349    
Costs (As % Of Assets) %                             1.64 1.89 2.22 2.44 2.40    
Costs (As % Of Income) %                             75.7 74.7 76.0 74.6 73.9    
Capital Adequacy Ratio %     ... ...                     25.2 22.2 25.5 26.8 24.7    
Net Interest Margin %                             0.442 0.496 0.649 0.696 0.699    
Interest Income (As % Of Revenues) %                             20.4 19.6 22.3 21.3 21.5    
Fee Income (As % Of Revenues) %                             52.5 55.2 58.0 54.2 55.0    
Equity (As % Of Assets) %                             3.90 4.93 5.12 6.08 5.81    
Loans (As % Of Deposits) %                             74.9 73.4 77.0 80.0 72.3    
Loans (As % Assets) %                             22.2 28.3 29.7 33.1 32.8    
NPLs (As % Of Loans) % ... ... ... ...                     0.540 0.550 0.506 0.521 0.782    
Provisions (As % Of NPLs) % ... ... ... ...                     46.6 44.6 43.4 42.3 24.8    
valuation                                          
Market Capitalisation (End Of Period) USD mil                             58,571 71,840 62,708 73,960 58,210    
Number Of Shares (Average) mil                             3,754 3,844 3,806 3,781 3,824    
Share Price (End Of Period) USD                             15.6 18.7 16.5 19.6 15.2    
Earnings Per Share (EPS) USD                             -0.705 0.891 0.996 1.71 0.851    
Book Value Per Share USD                             14.3 14.6 14.4 15.2 14.0    
Dividend Per Share USD                             0 0 0.521 0.877 0.591    
Price/Earnings (P/E)                   ... ... ...     ... 21.0 16.5 11.5 17.9    
Price/Book Value (P/BV)                             1.09 1.28 1.15 1.29 1.09    
Dividend Yield %                             0 0 3.16 4.48 3.89    
Earnings Per Share Growth % ...                           -157 -226 11.8 71.2 -50.1    
Book Value Per Share Growth % ...                           -11.0 2.23 -1.67 5.47 -7.92    
income statement Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                          
Interest Income USD mil                             17,037 14,180 14,431 13,698 14,000    
Interest Cost USD mil                             10,659 7,935 7,262 6,701 7,487    
Net Interest Income USD mil                             6,378 6,246 7,169 6,997 6,513    
Net Fee Income USD mil                             16,426 17,580 18,675 17,818 16,650    
Other Income USD mil                             8,485 8,026 6,373 8,046 7,122    
Total Revenues USD mil                             31,290 31,851 32,217 32,862 30,285    
Operating Cost USD mil                             23,676 23,805 24,471 24,520 22,368    
Operating Profit USD mil                             7,614 8,046 7,745 8,341 7,917    
Provisions USD mil                             126 54.0 85.3 122 37.6    
Extra and Other Cost USD mil                             9,402 4,460 4,968 2,514 3,727    
Pre-Tax Profit USD mil                             -1,914 3,532 2,691 5,706 4,153    
Tax USD mil                             492 -119 -1,291 -932 816    
Minorities USD mil                             240 227 191 190 83.3    
Net Profit USD mil                             -2,646 3,424 3,791 6,448 3,253    
Dividends USD mil                             0 0 1,985 3,315 2,262    
growth rates                                          
Net Interest Income Growth % ...                           -17.5 -2.08 14.8 -2.39 -6.92    
Net Fee Income Growth % ...                           -4.78 7.02 6.23 -4.59 -6.56    
Total Revenue Growth % ...                           -6.29 1.79 1.15 2.00 -7.84    
Operating Cost Growth % ...                           -3.90 0.543 2.80 0.199 -8.78    
Operating Profit Growth % ...                           -13.0 5.68 -3.74 7.70 -5.08    
Pre-Tax Profit Growth % ...                           -132 -285 -23.8 112 -27.2    
Net Profit Growth % ...                           -156 -229 10.7 70.1 -49.5    
balance sheet Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                          
Cash USD mil                             72,582 91,019 104,712 91,333 105,945    
Interbank Loans USD mil ... ... ... ... ... ... ... ... ... ...         166,369 118,655 82,250 79,865 78,059    
Customer Loans USD mil                             306,035 322,934 317,695 312,048 301,145    
Mortgage Loans USD mil ... ... ... ... ... ... ... ... ... ... ...       144,361 154,592 143,254 141,650 139,793    
Corporate Loans USD mil ... ... ... ... ... ... ... ... ... ...         24,515 25,564 22,505 21,516 19,431    
Debt Securities USD mil ... ... ... ... ... ... ... ... ... ...         298,789 244,467 225,706 218,374 198,588    
Fixed Assets USD mil                             13,630 13,841 13,723 14,267 14,635    
Total Assets USD mil                             1,377,400 1,140,400 1,069,000 943,102 919,206    
Shareholders' Equity USD mil                             53,685 56,195 54,702 57,325 53,384    
Of Which Minority Interest USD mil                             45.9 46.1 3,783 1,996 669    
Liabilities USD mil                             1,323,720 1,084,200 1,014,300 885,777 865,822    
Interbank Borrowing USD mil                             114,838 70,643 82,473 76,069 66,284    
Customer Deposits USD mil                             408,330 439,821 412,725 390,303 416,509    
Sight Deposits USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 178,170 201,409 187,891 172,830 190,763    
Term Deposits USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 230,161 238,412 224,833 217,473 225,746    
Issued Debt Securities USD mil                             114,626 91,814 69,107 75,779 77,786    
Other Liabilities USD mil                             685,921 481,927 449,994 343,626 305,243    
asset quality                                          
Non-Performing Loans USD mil ... ... ... ...                     1,658 1,780 1,612 1,630 2,358    
Gross Loans USD mil                             306,807 323,728 318,394 312,737 301,731    
Provisions USD mil                             126 54.0 85.3 122 37.6    
growth rates                                          
Customer Loan Growth % ...                           7.75 5.52 -1.62 -1.78 -3.49    
Retail Loan Growth % ...       ... ... ... ... ... ... ...       7.74 7.09 -7.33 -1.12 -1.31    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ...     7.74 7.09 -7.33 -1.12 -1.31    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ...       8.31 4.28 -12.0 -4.40 -9.69    
Total Asset Growth % ...                           -8.89 -17.2 -6.26 -11.8 -2.53    
Shareholders' Equity Growth % ...                           -12.9 4.68 -2.66 4.80 -6.88    
Customer Deposit Growth % ...                           11.9 7.71 -6.16 -5.43 6.71    
ratios Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                          
ROE %                             -4.59 6.23 6.84 11.5 5.88    
ROA %                             -0.183 0.272 0.343 0.641 0.349    
Costs (As % Of Assets) %                             1.64 1.89 2.22 2.44 2.40    
Costs (As % Of Income) %                             75.7 74.7 76.0 74.6 73.9    
Capital Adequacy Ratio %     ... ...                     25.2 22.2 25.5 26.8 24.7    
Tier 1 Ratio %     ... ...                     21.3 13.6 19.4 21.0 19.7    
Net Interest Margin %                             0.442 0.496 0.649 0.696 0.699    
Interest Spread % ...                           0.411 0.467 0.614 0.656 0.649    
Asset Yield %                             1.18 1.13 1.31 1.36 1.50    
Cost Of Liabilities % ...                           0.768 0.659 0.692 0.705 0.855    
Payout Ratio %                             76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                             20.4 19.6 22.3 21.3 21.5    
Fee Income (As % Of Revenues) %                             52.5 55.2 58.0 54.2 55.0    
Other Income (As % Of Revenues) %                             27.1 25.2 19.8 24.5 23.5    
Equity (As % Of Assets) %                             3.90 4.93 5.12 6.08 5.81    
Loans (As % Of Deposits) %                             74.9 73.4 77.0 80.0 72.3    
Loans (As % Assets) %                             22.2 28.3 29.7 33.1 32.8    
NPLs (As % Of Loans) % ... ... ... ...                     0.540 0.550 0.506 0.521 0.782    
Provisions (As % Of NPLs) % ... ... ... ...                     46.6 44.6 43.4 42.3 24.8    
Provisions (As % Of Loans) %                             0.252 0.246 0.220 0.221 0.195    
Cost of Provisions (As % Of Loans) %                             0.043 0.017 0.027 0.039 0.012    
other data Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                          
Employees                             62,628 60,205 60,155 60,099 59,387    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 43.6 45.8 45.5 44.3 45.8    

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UBS Group's net interest margin fell 36.9% yoy to 0.449% in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group's net interest margin amounted to 0.449% in the third quarter of 2019, up from 0.426% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 0.774% in 3Q2017 and an all time low of 0.299...

UBS Group's price/earnings (P/E) fell 15.9% yoy to 9.83 in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group stock traded at USD 11.0 per share at the end third quarter of 2019 implying a market capitalization of USD 50,714 mil. Since the end of 3Q2014, the stock has depreciated by -35.5 % implying an annual average growth of -8.41 %. In absolute terms, the value o...

UBS Group's net interest income fell 35.7% yoy to USD 1,091 mil in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group generated total banking revenues of USD 7,563 mil in the third quarter of 2019, down 2.77% when compared to the same period of last year and 5% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee ...

UBS Group's capital adequacy ratio rose 3.43% yoy to 21.1% in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group's capital adequacy ratio reached 21.1% at the end of third quarter of 2019, down from 21.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.8% in 4Q2015 and an all time low of 18.9% in 1Q2013. ...

UBS Group's equity (as % of assets) rose 5.54% yoy to 5.79% in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group's Equity reached 5.79% of total assets in the 3Q2019, up from 5.49% for the previous year. As a share of net customer loans, the ratio amounted to 16.7% at the end of the third quarter of 2019. ...

UBS Group's customer loan growth rose 173% yoy to 2.98% in 3Q2019

By Helgi Analytics - December 22, 2019

UBS Group's customer loan growth reached 2.98% in 2019-09-30, up from 1.09% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 13.2% in 2011-06-30 and an all time low of -7.97% in 2012-06-30. In the last decad...

UBS Group's npls (as % of loans) rose 8.64% yoy to 0.711% in 4Q2018

By Helgi Analytics - December 22, 2019

UBS Group's non-performing loans reached 0.711% of total loans at the end of 2018-12-31, up from 0.654% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.59% in 2010-12-31 and an all time low of 0.506% in 2014-12-31. Provi...

UBS Group's npls (as % of loans) rose 8.64% to 0.711% in 2018

By Helgi Analytics - December 22, 2019

UBS Group's non-performing loans reached 0.711% of total loans at the end of 2018, up from 0.654% compared to the previous year. Historically, the NPL ratio hit an all time high of 2.79% in 2002 and an all time low of 0.506% in 2014. Provision coverage amou...

UBS Group's net profit rose 322% to USD 4,516 mil in 2018

By Helgi Analytics - December 22, 2019

UBS Group made a net profit of USD 4,516 mil under revenues of USD 32,422 mil in 2018, up 322% and 3.30% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of USD 11,272 mil in 2005 and an all time low of USD -19,...

UBS Group's share price (end of period) fell 33.2% to USD 11.9 in 2018

By Helgi Analytics - December 22, 2019

UBS Group stock traded at USD 11.9 per share at the end of 2018 implying a market capitalization of USD 45,843 mil. Since the end of 2013, the stock has depreciated by -36.1 % implying an annual average growth of -8.58 %. In absolute terms, the value of the company ...

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