UBS Group AG Files 6-K Report

TL;DR

UBS Group AG dropped its Q3 2025 update on 10/29. Standard filing.

AI Summary

UBS Group AG filed a Form 6-K on October 29, 2025, reporting information as of September 30, 2025. The filing includes details for both UBS Group AG (Central Index Key: 0001610520) and UBS AG (Central Index Key: 0001114446), both based in Zurich, Switzerland. The report is filed under the 1934 Securities Exchange Act.

Why It Matters

This filing provides updated information for investors and regulators regarding UBS Group AG's status and operations as of the end of the third quarter of 2025.

Risk Assessment

Risk Level: low — This is a routine filing (6-K) that provides updated corporate information and does not appear to contain significant new financial or operational disclosures.

Key Players & Entities

• UBS Group AG (company) — Registrant
• UBS AG (company) — Registrant
• 0001610520 (company) — Central Index Key for UBS Group AG
• 0001114446 (company) — Central Index Key for UBS AG
• October 29, 2025 (date) — Filing Date
• September 30, 2025 (date) — Period of Report Date

FAQ

Filing Documents

• edgar3q25ubsgroup.htm (6-K) — 4113KB
• edgarq25ubsgroupagp3i0.jpg (GRAPHIC) — 74KB
• edgarq25ubsgroupagp105i0.gif (GRAPHIC) — 3KB
• 0001610520-25-000105.txt ( ) — 4222KB

financial statements

financial statements 58 UBS Group AG interim consolidated financial 6. Significant regulated subsidiary and sub- group information 92 Financial and regulatory key figures for our significant regulated subsidiaries and sub- groups Appendix 94 Alternative performance measures 98 Abbreviations frequently used in our financial reports 100 Information sources 101 Cautionary statement UBS Group third quarter 2025 report 2 Terms used in this report, unless the context requires otherwise "UBS", "UBS Group", "UBS Group AG consolidated", "Group", "we", "us" and "our" UBS Group AG and its consolidated subsidiaries "UBS AG" and "UBS AG consolidated" UBS AG and its consolidated subsidiaries "Credit Suisse Group" and "Credit Suisse" Pre-acquisition Credit Suisse Group "UBS Group AG" UBS Group AG on a standalone basis "Credit Suisse Group AG" Credit Suisse Group AG on a standalone basis "UBS Switzerland AG" UBS Switzerland AG on a standalone basis "1m" One million, i.e. 1,000,000 "1bn" One billion, i.e. 1,000,000,000 "1trn" One trillion, i.e. 1,000,000,000,000 In this report, unless the context requires otherwise, references to any gender shall apply to all genders. Alternative performance measures An alternative performance measure (an APM) is a financial measure of historical or future financial performance, financial position or cash flows other than a financial measure defined or specified in the applicable recognized accounting standards or in other applicable regulations. We report a number of APMs in the discussion of the financial and operating performance of the Group, our business divisions and Group Items. We use APMs to provide a more complete picture of our operating performance and to reflect management's view of the fundamental drivers of our

business

business results. A definition of each APM, the method used to calculate it and the information content are presented under "Alternative performance measures" in the appendix to this report. Our APMs may qualify as non-GAAP measures as defined by US Securities and Exchange Commission (SEC) regulations. Our underlying results are APMs and are non-GAAP financial measures. Refer to the "Group performance" section of this report and to "Alternative performance measures" in the appendix to this report for additional information about underlying results UBS Group third quarter 2025 report 3 Key figures UBS Group key figures UBS Group key figures As of or for the quarter ended As of or year-to-date USD m, except where indicated 30.9.25 30.6.25 31.12.24 30.9.24 30.9.25 30.9.24 Group results Total revenues 12,760 12,112 11,635 12,334 37,429 36,976 Credit loss expense / (release) 102 163 229 121 365 322 Operating expenses 9,831 9,756 10,359 10,283 29,911 30,880 Operating profit / (loss) before tax 2,828 2,193 1,047 1,929 7,153 5,773 Net profit / (loss) attributable to shareholders 2,481 2,395 770 1,425 6,568 4,315 Diluted earnings per share (USD) 1 0.76 0.72 0.23 0.43 1.99 1.29 Profitability and growth 2,3 Return on equity (%) 11.1 10.9 3.6 6.7 10.0 6.8 Return on tangible equity (%) 12.0 11.8 3.9 7.3 10.8 7.4 Underlying return on tangible equity (%) 4 14.6 13.4 6.6 9.0 12.7 9.1 Return on common equity tier 1 capital (%) 13.5 13.5 4.2 7.6 12.2 7.5 Underlying return on common equity tier 1 capital (%) 4 16.3 15.3 7.2 9.4 14.4 9.2 Revenues over leverage ratio denominator, gross (%) 3.1 3.0 3.0 3.1 3.1 3.1 Cost / income ratio (%) 77.0 80.5 89.0 83.4 79.9 83.5 Underlying cost / income ratio (%) 4 69.7 75.4 81.9 78.5 74.1 78.8 Effective tax rate (%)

business

business division has delivered a 64% reduction in risk- weighted assets (RWA) since the second quarter of 2023. We have already achieved our 2025 ambition to reduce credit and market risk RWA to below USD 8bn, and we are well positioned to meet our ambition of around USD 4bn by the end of 2026. Regulatory and legal developments Developments in Switzerland aimed at strengthening financial stability In September 2025, the Swiss Federal Council launched a public consultation on proposed legislative amendments to capital requirements related to foreign subsidiaries. The proposed changes would require the deduction of investments in foreign subsidiaries of systemically important banks (SIBs) from common equity tier 1 (CET1) capital. After the end of the public consultation in January 2026, the Swiss Federal Council is expected to submit its proposal to the Swiss Parliament in the first half of 2026. Subject to the Parliament's final decision, the proposal states that the amendments would enter into force in 2028, at the earliest, starting with a 65% deduction requirement in the first year and increasing to 100% by 5-percentage-point increments each year over seven years. The phase-in is delayed. A public consultation on other proposed measures at the ordinance level ended in September 2025. The proposals include provisions to deduct capitalized software and deferred tax assets (DTAs) on temporary differences from CET1 capital, add stricter requirements for prudent valuation adjustments (PVAs) of assets and liabilities, and mandate the suspension of interest payments for additional tier 1 capital instruments in the event of a cumulative loss over four quarters. The proposals also introduce measures that aim to enable the Swiss Financial Market Supervisory Authority (FINMA) and other authorities to better

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View this 6-K filing on SEC EDGAR