Our financial strength

Our financial strength and the resilience of our business model are well recognized by the market. This matters more than ever in times of market stress.

Our firm is proving its strength and delivering successfully to clients in the current public health and economic shocks, said Group CFO Kirt Gardner at the Morgan Stanley Conference in March.

Our key priorities are to safeguard the wellbeing of our employees, serve our clients and ensure operational continuity in the current situation, he said. We are looking to use our resources to support individuals, Swiss businesses and our clients globally at this difficult time – all within our broader responsibility to stakeholders.

Here's what you should know

  • Financial strength is a pillar of our strategy. In 2011/2012 we initiated a strategic transformation of our firm towards a client-centric business model that focuses on our core businesses with less risk-taking.
  • Since 2012, UBS has increased its CET1 capital by a third to nearly USD 36 billion and with around USD 90 billion in total loss absorbing capacity, building a strong capital position and a balance sheet that is for all seasons.
  • Our financial strength is reflected in top-class ratings from the major credit rating agencies.
  • Our resilience is further supported by a highly capital-generative franchise, as we delivered nearly USD 5 billion in CET1 capital (before buybacks and dividends) in 2019 alone.
  • We've shown over the past that our business model performs well even in very challenging market conditions.
  • We have a conservative risk and funding profile, a highly liquid balance sheet and a high quality credit portfolio with relatively limited lending exposure to highly impacted industries. All this makes us well prepared for this environment.
  • We have repeatedly passed stress tests and continue to lend to individuals and businesses across our franchises, facilitating investments to fuel the economy.
  • We understand our role in society very well in these challenging times and are committed to using our significant resources to provide support to our clients and the broader economy.

Find out more

See what our CFO Kirt Gardner had to say about our business priorities and sustainability drive - among many other topics - during his presentation to the Morgan Stanley European Financials Conference 2020 in March.

Watch a short video on the Too Big To Fail measures UBS took in 2015.