UBS Group SEC Filings

UBS filed a Form 6-K containing the transcript of a September 30, 2025 presentation by Group CEO Sergio P. Ermotti and Group CFO Todd Tuckner and a Q&A session. The document reiterates UBS's forward-looking disclosures and warns that the acquisition of Credit Suisse has materially changed UBS's outlook, introducing significant operational and execution risks and an integration process expected to continue through 2026. The filing lists numerous risk factors that could materially affect results, including potential increases in Swiss capital or resolution requirements, higher costs to execute the integration, changes to RWA and leverage ratio metrics, market and macro volatility, funding and TLAC availability, litigation and regulatory exposure, and operational risks such as cyberattacks and compliance failures. The filing also references Alternative Performance Measures and points readers to UBS's Q2 2025 Quarterly Report appendix for APM definitions.

UBS resolved a legacy French tax matter and will pay EUR835 million in total. The bank agreed to a EUR730 million fine plus EUR105 million in civil damages related to cross-border business in France between 2004 and 2012. The French Supreme Court had upheld a prior finding that UBS was guilty of unlawful client solicitation and aggravated money laundering while remanding the penalty and damages for reassessment. UBS says the settlement is aligned with its intention to resolve legacy matters in stakeholders' interests and that it is fully provisioned for the payment.

UBS Group AG submitted a Form 6-K dated August 29, 2025, enclosing court-related materials in a New York State Supreme Court action concerning persons or entities who held UBS common stock as of the close of trading on August 22, 2025. The filing presents a description prepared by counsel about the action and a settlement notice, and expressly states the court has made no findings of fact. The document lists plaintiffs' and defendants' counsel firms and contact information and is signed on behalf of UBS Group AG by two officers, identifying their names and titles.

UBS Group AG submitted a Form 13F for the quarter ended 06-30-2025, reporting 22,017 holdings with a combined value of $577,633,314,592. The filing is a 13F Combination Report, indicating some positions are reported by other affiliated managers; the report lists 12 other included managers. The report is signed by Andrew Johnson, Head Group Shareholding Reporting.

UBS 2Q-25 Form 6-K highlights subsidiary strength and capital metrics. UBS AG (consolidated) posted USD 11.5 bn operating income (-4% QoQ) and USD 1.2 bn net profit (+16% QoQ). CET1 capital fell to USD 69.8 bn and the CET1 ratio slipped 70 bp to 14.0%, still above Swiss SRB minima; Tier-1 leverage ratio 5.3%. Group HQLA reached USD 358.9 bn, supporting a 179% LCR.

Standalone UBS AG recorded USD 5.7 bn net profit and a 14.2% phase-in CET1 ratio, benefiting from the transfer of Wealth Management International. UBS Switzerland AG earned USD 441 m with a 12.7% CET1 ratio and 138% LCR. UBS Europe SE and UBS Americas Holding LLC remained strongly capitalised, showing CET1 ratios of 20.5% and 20.9% respectively; the Fed raised the SCB for the U.S. unit to 9.3%, lifting its CET1 requirement to 13.8% from 1 Oct 2024.

Credit Suisse International, now ring-fenced, reduced assets to USD 27.5 bn but showed a CET1 ratio of 95.6% despite a USD 55 m quarterly loss; LCR stayed exceptionally high at 361%.

Total loss-absorbing capacity equals USD 182 bn for UBS AG consolidated and USD 93 bn for UBS AG standalone, underscoring robust resolution readiness across the group.

UBS Switzerland AG reported solid H1 2025 results: net profit climbed to CHF 1.37 bn from CHF 1.25 bn (+9%), while operating income surged 27% YoY to CHF 6.13 bn. Growth was broad-based—net interest income rose 24% to CHF 2.42 bn on higher lending spreads and volumes; fee & commission income jumped 14% to CHF 2.50 bn, aided by robust wealth-management activity; other ordinary income expanded six-fold to CHF 0.66 bn on higher subsidiary dividends.

Cost pressure increased: total operating expenses grew 36% to CHF 4.54 bn, driven by personnel (+52%) and G&A (+26%). Credit-loss expense also widened to CHF 109 m (vs CHF 40 m). Even so, operating profit improved 6% to CHF 1.60 bn and the cost/income ratio stayed below 75%.

The balance sheet shrank slightly to CHF 508.9 bn (-1%), with mortgage loans stable at CHF 281 bn. Equity fell to CHF 22.7 bn (-11%) after a CHF 4.3 bn cash & in-kind dividend, partly offset by current-period earnings. Contingent liabilities decreased to CHF 12.0 bn (-20%), and joint-and-several guarantees to UBS AG edged down to CHF 2.1 bn. Management transferred the Wealth Management International and Global Financial Intermediaries businesses to UBS AG via a CHF 100 m dividend in kind; UBS AG’s CHF 292 m profit share is reflected in higher fee expense.

UBS Group AG / UBS AG – Form 6-K (4 Aug 2025) reports a finalized agreement with the US Department of Justice to settle Credit Suisse’s remaining Residential Mortgage-Backed Securities consumer-relief obligations. Credit Suisse Securities (USA) LLC will make a USD 300 m payment, fully extinguishing the 2017 settlement commitment.

UBS had already booked a contingent liability for this issue when it acquired Credit Suisse. Following the cash outflow, that reserve will be released, and UBS expects to record a credit in the “Non-core & Legacy” segment during 3Q 2025. The filing highlights management’s intent to resolve inherited legal matters swiftly and notes no change to current financial guidance.

The settlement removes a material litigation overhang, simplifies the group’s risk profile and frees management attention for integration and growth initiatives.