UBS AG has released its consolidated financial report for the second quarter of 2025. The announcement follows UBS Group AG’s earlier publication of its own consolidated results for the same period on July 30, 2025. Both reports are available on the UBS website.
The financial report includes a cautionary statement about forward-looking statements, noting that actual results may differ due to various risks and uncertainties. Among these are geopolitical tensions, changes in international trade policies, ongoing conflicts such as those in the Middle East and Ukraine, and macroeconomic factors like inflation and interest rate volatility.
UBS highlights that its acquisition of Credit Suisse Group has significantly changed its outlook and strategy, introducing new operational challenges. "The integration of the Credit Suisse entities into the UBS structure is expected to continue through 2026 and presents significant operational and execution risk, including the risks that UBS may be unable to achieve the cost reductions and business benefits contemplated by the transaction, that it may incur higher costs to execute the integration of Credit Suisse and that the acquired business may have greater risks or liabilities than expected," according to the report.
Swiss authorities are considering regulatory changes following Credit Suisse’s failure. If adopted, these could increase capital requirements or impose additional costs on UBS. The company also notes other factors affecting performance, such as success in strategic plans, regulatory developments in major markets like Switzerland, the US, UK, and EU, technological changes including digital services and artificial intelligence adoption, internal risk management processes, cyber threats, employee retention challenges, litigation exposure, changes in accounting standards or tax policies, access to capital markets, disaster recovery capabilities, reputational risks from media coverage or speculation, among others.
"The sequence in which the factors above are presented is not indicative of their likelihood of occurrence or the potential magnitude of their consequences," states UBS. The bank refers readers to further details provided in filings with regulators such as the US Securities and Exchange Commission (SEC), specifically citing annual reports for more comprehensive information.
UBS also clarifies that numbers within tables may not always add up precisely due to rounding practices. Blank fields generally indicate non-applicability or unavailable data at reporting time; zero values can represent either negative or positive figures after rounding.
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