Azionisti & analisti

Relazioni 2005




	UBS financial highlights

	UBS at a glance

	Sources of information





	UBS reporting structure

	Measurement and analysis of performance

	UBS Results





	UBS Performance Indicators





	Results

	Global Wealth Management & Business Banking

	Wealth Management International & Switzerland

	Wealth Management US

	Business Banking Switzerland

	Global Asset Management

	Investment Bank

	Corporate Center





	Industrial Holdings





	Balance sheet and off-balance sheet

	Cash flows





	Accounting principles

	Critical accounting policies





	Financial Statements





	Note 1 Summary of Significant Accounting Policies

	Note 2 Segment Reporting by Business Group

	Note 3 Net Interest and Trading Income

	Note 4 Net Fee and Commission Income

	Note 5 Other Income

	Note 6 Personnel Expenses

	Note 7 General and Administrative Expenses

	Note 8 Earnings per Share (EPS) and Shares Outstanding

	Note 9

	Note 10 Securities Borrowing, Securities Lending, Repurchase and Reverse Repurchase Agreements

	Note 11 Trading Portfolio

	Note 12 Financial Investments (available-for-sale)

	Note 13 Investments in Associates

	Note 14 Property and Equipment

	Note 15 Goodwill and Other Intangible Assets

	Note 16 Other Assets

	Note 17 Due to Banks and Customers

	Note 18 Financial Liabilities Designated at Fair Value and Debt Issued

	Note 19 Other Liabilities

	Note 20 Provisions

	Note 21 Income Taxes

	Note 22 Derivative Instruments

	Note 23 Fiduciary Transactions

	Note 24 Commitments and Contingent Liabilities

	Note 25 Operating Lease Commitments

	Note 26 Pledged Assets and Pledgeable Off-Balance Sheet Securities

	Note 27 Litigation

	Note 28 Financial Instruments Risk Position

	Note 29 Fair Value of Financial Instruments

	Note 30 Pension and Other Post-Retirement Benefit Plans

	Note 31 Equity Participation and Other Compensation Plans

	Note 32 Related Parties

	Note 33 Securitizations

	Note 34 Post-Balance Sheet Events

	Note 35 Significant Subsidiaries and Associates

	Note 36 Invested Assets and Net New Money

	Note 37 Business Combinations

	Note 38 Discontinued Operations

	Note 39 Currency Translation Rates

	Note 40 Swiss Banking Law Requirements

	Note 41 Reconciliation of International Financial Reporting Standards (IFRS) to United States Generally Accepted Accounting Principles (US GAAP)

	Note 42 Additional Disclosures Required under US GAAP and SEC Rules





	Parent Bank Review

	Financial Statements

	Accounting Principles

	Additional Income Statement Information

	Additional Balance Sheet Information

	Off-Balance Sheet and Other Information





	A – Introduction

	B – Selected Financial Data

	C – Information on the Company

	D – Information Required by Industry Guide 3

UBS Homepage > Analysts & Investors > Relazioni 2005 > Financial Report > Note 6 Personnel Expenses

Note 6 Personnel Expenses

	For the year ended			% change from
CHF million	31.12.05	31.12.04	31.12.03	31.12.04
Salaries and bonuses	16,646	14,807	14,206	12
Contractors	834	580	539	44
Insurance and social security contributions	1,351	1,069	960	26
Contribution to retirement plans	736	670	685	10
Other personnel expenses	1,482	1,486	1,828	0
Total personnel expenses	21,049	18,612	18,218	13

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