瑞银第二季度税前利润12 亿瑞郎

瑞银股东应占净利润7.92 亿瑞郎；摊薄后每股盈利0.21 瑞郎
财富管理业务净新资金107 亿瑞郎
全面采纳的巴塞尔协议III 普通股一级资本（CET1）充足率13.5%
全面采纳的瑞士SRB 杠杆比率4.2%
与波鸿(Bochum)当局就德国跨境税务事宜达成和解

苏黎世/巴塞尔，2014 年7 月29 日- 瑞银所有业务部门和地区均取得强劲的第二季度经营业绩，使得瑞银在客户业务活动并不十分活跃的情况下，实现调整后¹ 税前利润12 亿瑞郎。根据报告基准，瑞银税前利润也是12 亿瑞郎。公司资本状况继续保持行业领先地位，全面采纳的巴塞尔协议III 普通股一级资本（CET1）充足率升至13.5%。公司全面采纳的瑞士SRB 杠杆比率升至4.2%，达到四年前所预期的全面采纳要求。瑞银财富管理业务、零售与企业业务以及环球资产管理业务的业绩受到诉讼、监管以及类似问题相关拨备费用的影响，整个集团的拨备费用总额为2.54 亿瑞郎。

不包括上述拨备费用的影响及考虑到市场状况，所有业务部门均取得复苏强劲的业绩。不包括这拨备费用，财富管理业务实现6.84 亿瑞郎的调整后1 利润，主要得益于其增加委托业务和贷款的战略提高了经常性收入。该业务吸引了非常可观的净新资金，达107 亿瑞郎。美洲财富管理业务收入创历史新高，投资资产首次突破1 万亿美元。不包括拨备费用，零售与企业业务的业绩与强劲的第一季度持平，新业务的净增长稳健。环球资产管理业务的净新资金再次表现得非常强劲，达116 亿瑞郎（不包括货币市场资金流入）。投资银行业务利润较第一季度上升，调整后¹ 归属权益回报率为30%。

总体上，瑞银再次证明其战略在各种市场状况下均能够发挥效用。

与波鸿（Bochum）当局就德国跨境税务事宜达成和解

瑞银在7 月就其在德国的跨境税务事宜与位于波鸿的有关当局达成和解。该和解方案涉及支付大约3亿欧元，以解决有关的波鸿诉讼。这事宜的解决是瑞银在这一重要市场继续向前发展的关键一步。由于瑞银作出的巨大努力，目前瑞银95%以上的德国客户已经向瑞银提供税务合规证明或已完成自愿税务合规项目，瑞银继续将年末目标设定为100%。

集团亮点

• 调整后¹ 税前利润12 亿瑞郎
• 瑞银股东应占净利润7.92 亿瑞郎；摊薄后每股盈利0.21 瑞郎
• 调整后1 营业收入70 亿瑞郎
• 全面采纳的巴塞尔协议III 普通股一级（CET1）资本充足率为13.5%
• 全面采纳的瑞士SRB 巴塞尔III 杠杆比率为4.2%，符合预期2019 年全面采纳的要求

业务部门亮点

• 财富管理业务调整后¹ 税前利润达3.93 亿瑞郎；净新资金强劲增长，达到107 亿瑞郎；净新资金增长率位于目标区间上端；投资资产毛利润率为 84 个基点；调整后1 成本/收入比率高于目标区间
• 美洲财富管理业务调整后¹ 税前利润达2.46 亿美元；净新资金流出 25 亿美元，主要由于季节性客户提款以支付所得税；调整后¹ 成本/收入比率和投资资产毛利润率均符合目标区间
• 零售与企业业务调整后¹ 税前利润为3.67 亿瑞郎；新业务的净增长继续强劲；净息差符合目标区间
• 环球资产管理业务调整后¹ 税前利润为1.07 亿瑞郎；不计入货币市场资金流入，净新资金增长非常强劲，达 116 亿瑞郎；净新资金年化增长率（不包括货币市场）远高于目标值
• 投资银行业务 调整后¹ 税前利润增至5.63 亿瑞郎；全面采纳的风险加权资产( RWA )及融资资产规模完全符合限制标准；调整后¹ 成本 /收入比率符合目标区间；调整后1 的归属权益回报率为30%

外界对瑞银成功的认可：

• 《欧洲货币》连续第三年评选瑞银为全球最佳银行、瑞士最佳银行
• 瑞银连续第二年被Scorpio Partnership 富有影响力的环球私人银行基准（Global Private BankingBenchmark）² 评为全球最大的财富管理机构
• 在泛欧汤森路透Extel 年度调查中的多个组别中获得第一名（包括连续第11 年获得“领先泛欧券商”），再次确认瑞银领先经纪行和研究提供商的地位
• 瑞银的移动银行身份验证系统和移动银行应用程式入选MyPrivateBanking Research 40 家领先零售银行前三甲，因此荣获国际非接触和移动客户体验奖（Contactless & Mobile Customer Experienceaward）。

谈及瑞银第二季度业绩时，集团首席执行官Sergio P. Ermotti 表示，“在我们的客户和行业都面临艰难市场环境的情况下，我们依然取得强劲的业绩。我们还会继续积极解决涉讼事宜，减少非核心和遗留资产，并且继续实行我们的战略。”

集团概况
2014 年第二季度，瑞银股东应占净利润为7.92 亿瑞郎，摊薄后每股盈利为0.21 瑞郎，调整后集团税前利润为12 亿瑞郎。该业绩包含诉讼、监管以及类似事项拨备的相关费用净额2.54 亿瑞郎，这些拨备影响了多个业务部门和企业中心的业绩。尽管如此，并且第二季度客户业务活动不太活跃，公司仍然取得强劲业绩，再次证明我们严守纪律，以客户为中心，并且拥有业务优势。

由于全面采纳的巴塞尔协议III 普通股一级资本（CET1）充足率升至13.5%，我们的资本状况继续保持业内领先地位。我们全面采纳的总资本比率在本季度末为18.1%，超过2019 年预期约17.5%的监管要求。公司在5 月发行了25 亿美元低点触发(low-trigger)、亏损吸收(loss-absorbing)的巴塞尔III 合规次级票据，使我们的低点触发2 级资本总额高于2019 年预期约90 亿瑞郎的渐进缓冲要求。因此，我们全面采纳的瑞士SRB 杠杆比率上升至4.2%，与我们所预期的全面采纳要求一致。

财富管理业务调整后¹ 税前利润为3.93 亿瑞郎，其中包含诉讼、监管以及类似事项的相关拨备费用。不包括这些费用，并且考虑到市场状况，财富管理业务取得复苏强劲的业绩，达6.84 亿瑞郎。伦巴德（Lombard）贷款、委托业务以及投资资产均有上升，但在市场波动和成交量偏低的情况下，被交易收入下降所抵消。投资资产的毛利润率下降3 个基点，至84 个基点。调整后的成本/收入比率高于我们目前的目标区间。净新资金增长强劲，为107 亿瑞郎，净新资金年化增长率位于目标区间上端。

美洲财富管理业务的调整后¹ 税前利润为2.46 亿瑞郎，同时收入创历史新高，投资资产首次超过1 万亿美元。营业收入上升反映管理账户收入增长以及净利息收入增加。营业支出包含4,400 百万美元与诉讼、监管以及类似事项有关的拨备费用。净新资金净流出为25 亿美元，主要由于季节性客户提款以支付所得税。该业务部门投资资产的调整后¹ 成本/收入比率以及毛利润率均符合目标区间。

零售与企业业务调整后¹ 税前利润为3.67 亿瑞郎。不包括与诉讼、监管以及类似事项有关的拨备费用4,800 万瑞郎，该业务的业绩与上一季度的强劲业绩持平。营业收入增长主要得益于净利息和交易收入的增加，但部分被净信贷款损失的支出抵消。新业务的净增长稳健，且符合目标区间。该业务的净息差也符合目标区间。我们在电子银行、移动银行创新和安全方面的投资持续获得好评，我们的移动银行身份验证系统赢得了国际非接触和移动客户体验奖，并且我们的移动银行应用程式入选MyPrivateBanking Research 领先零售银行前三甲。

环球资产管理业务调整后¹ 税前利润为1.07 亿瑞郎。经营收入增长得益于管理费用净额增加，主要为传统投资和全球房地产业务。关于诉讼、监管以及类似事项的相关拨备费用为3,300 万瑞郎，抵消了经营收入的增长，导致调整后¹ 成本/收入比率高于目标区间。投资资产的毛利润率与上个季度一致，略低于目标区间。不计入货币市场流入，净新资金依然非常强劲，为116 亿瑞郎，其中包含来自第三方以及瑞银财富管理客户的大量净资金流入。净新资金年增长率（不包含货币市场）远高于目标。

投资银行业务实现了所有目标，调整后¹ 税前利润高于第一季度，达到5.63 亿瑞郎，反映出债券和股票资本市场的强劲表现。但这部分被股票、外汇、利率以及信贷业务较低的收入所抵消，主要因为客户业务活动水平下降所致。本季度，我们在每个地区具有里程碑意义的交易中所发挥的关键作用明确表明，我们在保持长期客户关系和制定成功融资解决方案方面的专注和专业知识。在利润增长的同时，投资银行业务继续在其全面采纳风险加权资产和投资资产的范围内经营。成本控制继续保持稳健，并且该业务的调整后¹ 成本/收入比率有所降低并保持在目标区间内。归属于股东的调整后¹ 收益率为30%。我们在泛欧汤森路透Extel 年度调查中的多个组别中获得第一名（包括连续第11 年获得“领先的泛欧券商”），再次确认我们领先经纪行和研究提供商的地位。

企业中心 – 核心职能的税前利润为2,500 万瑞郎，其中包含一笔诉讼、监管以及类似事务的拨备释放。
企业中心 – 非核心和遗留投资组合的税前亏损为4.12 亿瑞郎。营业收入减少的主要原因是我们退出大部分相关交易组合所造成的亏损。全面采纳的风险加权资产在本季度末减少80 亿瑞郎，至520 亿瑞郎，而资产负债表资产减少60 亿瑞郎。我们预期在2014 年内，进一步减少非核心和遗留投资组合的头寸。

前景展望 – 2014 年第三季度伊始，我们先前强调过的许多潜在挑战和地缘政治问题依然存在。全球增长的前景喜忧参半，欧洲问题悬而未决、依然缺乏持久且有效的改善，美国财政和货币政策问题延续，地缘政治进一步不稳定，加之历来与夏季节日有关的季节性交易活动减少，这一切使当前的市场环境难以改善。尽管挑战依然存在，我们将继续执行自身战略，以确保公司的长期成功，并为股东实现持久回报。

¹ 除非另外说明，集团及业务部门层面的2014 年第二季度“调整后”数据不包括下列各个项目（在适用范围内）：7,200 万瑞郎的自有信贷收益，出售房地产的100 万瑞郎收益 ，出售部分在金融信息服务公司Markit 首次公开发行后的投资（持有的可供出售金融投资）所产生的4,300 万瑞郎收益，以及重组费用净额8,900 万瑞郎。2014 年第一季度，不包括的项目包括：自有信贷收益8,800 万瑞郎，出售房地产的收益2,300 万瑞郎以及重组费用净额2.04 亿瑞郎。2 ScorpioPartnership 私人银行基准2014 – 管理资产超过1 万亿美元的银行。

UBS’s Second Quarter 2014 Report, letter to shareholders and slide presentation will be available from 06:45 CEST on Tuesday 29 July 2014 at www.ubs.com/investors.

UBS will hold a presentation of its second quarter 2014 results on Tuesday 29 July 2014. The results will be presented by Sergio P. Ermotti, Group Chief Executive Officer, Tom Naratil, Group Chief Financial Officer and Group Chief Operating Officer, Caroline Stewart, Global Head of Investor Relations, and Hubertus Kuelps, Group Head of Communications & Branding.

Time
09:00 (CEST)
08:00 (BST)
03:00 (US EDT)

Audio webcast
The presentation can be followed live on www.ubs.com/quarterlyreporting with a simultaneous slide show.

An audio playback of the results presentation will be available from 12:00 CEST on 29 July 2014 at www.ubs.com/investors.

UBS AG

Investor contact
Switzerland: +41-44-234 41 00

Media contact
Switzerland: +41-44-234 85 00
UK: +44-207-567 47 14
Americas: +1-212-882 58 57
APAC: +852-297-1 82 00

www.ubs.com

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