Income Statement (unaudited)

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Income Statement

		Quarter ended			% change from		Year to date

CHF million, except per share data	Note	30.9.05	30.6.05	30.9.04	2Q05	3Q04	30.9.05	30.9.04
Operating income

Interest income	3	15,571	15,576	9,741	0	60	43,721	29,059
Interest expense	3	(13,102)	(13,356)	(7,006)	(2)	87	(36,342)	(20,435)


Net interest income		2,469	2,220	2,735	11	(10)	7,379	8,624
Credit loss (expense) / recovery		37	69	12	(46)	208	243	142


Net interest income after credit loss expense		2,506	2,289	2,747	9	(9)	7,622	8,766


Net fee and commission income	4	5,727	5,380	4,549	6	26	16,262	14,432
Net trading income	3	2,278	1,586	878	44	159	5,800	4,215
Other income	5	304	194	250	57	22	936	791
Revenues from industrial holdings		2,680	2,432	2,347	10	14	7,573	3,719


Total operating income		13,495	11,881	10,771	14	25	38,193	31,923



Operating expenses

Personnel expenses	6	5,587	5,005	4,395	12	27	15,976	14,409
General and administrative expenses	7	1,805	1,648	1,841	10	(2)	5,068	5,449
Depreciation of property and equipment		368	383	390	(4)	(6)	1,127	1,091
Amortization of goodwill		0	0	187		(100)	0	553
Amortization of other intangible assets		85	80	84	6	1	244	177
Goods and materials purchased		2,045	1,792	1,645	14	24	5,624	2,233


Total operating expenses		9,890	8,908	8,542	11	16	28,039	23,912


Operating profit from continuing operations before tax		3,605	2,973	2,229	21	62	10,154	8,011


Tax expense		734	626	484	17	52	2,099	1,765


Net profit from continuing operations		2,871	2,347	1,745	22	65	8,055	6,246


Net profit / (loss) from discontinued operations		44	(54)	(7)			(14)	14


Net profit		2,915	2,293	1,738	27	68	8,041	6,260


Net profit attributable to minority interests		145	146	120	(1)	21	499	322
Net profit attributable to UBS shareholders		2,770	2,147	1,618	29	71	7,542	5,938



Earnings per share

Basic earnings per share (CHF)	8	2.75	2.10	1.59	31	73	7.44	5.72
from continuing operations		2.71	2.16	1.60	25	69	7.46	5.71
from discontinued operations		0.04	(0.06)	(0.01)			(0.02)	0.01
Diluted earnings per share (CHF)	8	2.64	2.01	1.50	31	76	7.13	5.43
from continuing operations		2.60	2.07	1.51	26	72	7.15	5.42
from discontinued operations		0.04	(0.06)	(0.01)			(0.02)	0.01

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