�鶹��: Strength and stability

A firm’s overall strength is more important than ever. If you are looking for more stability in a firm, we believe �鶹�� offers you and your clients a greater sense of security. Our firm stands as a global leader with a 160-year history of proven resiliency.

We have successfully guided clients through ever-changing economic climates and market conditions for nearly two centuries. Today, we continue to be recognized as a leader among the largest and strongest firms globally.

Diversified business model

How does our powerhouse firm achieve resilience in uncertain financial winds? For starters, the parent company, �鶹�� Group AG, encompasses several subsidiaries, each of which offers substantial services while also contributing to the firm’s overall diversification and growth globally. These include �鶹�� AG, �鶹�� Financial Services Inc. and �鶹�� Bank USA.

This diversified business model helps ensure that assets held at one entity will not be at risk due to the failure of or lack of capital at a related entity, which means you can offer your clients a better sense of security for where their assets are held.

160 years strong

True security takes time to grow. The collective wisdom and experience of our 160-year legacy is the bedrock of our financial stability and resiliency. A key part of this legacy is our commitment to a culture centered on doing what is best on behalf of our clients with integrity and transparency.

�鶹�� has a Basel III common equity tier 1 (CET1) capital ratio of 14.8% as of September 30, 2025.
$6.9 trillion in invested assets as of September 30, 2025.
$69 billion in capital reserves as of March 31, 2025.*

*CET1 ratio on a standardized basis for US peers.

�鶹�� AG remains one of the world’s best-capitalized banks in its peer group and ratings by major credit agencies are among the highest of our peers.

S&P’s long-term rating/outlook: A-/S
Moody’s long-term rating/outlook: A2/S

Source: �鶹�� Group AG
S&P as of September 16, 2025.
Moody's as of July 25, 2025.

Better together with the Credit Suisse acquisition

As of June 12, 2023 �鶹�� completed its acquisition of Credit Suisse, crossing an important milestone. Our increased scale is a significant advantage to our advisors and clients as it increases reach and access. Overnight, we became the number two wealth manager in the world with over 5 trillion USD of invested assets. We are the only truly global player among leading wealth managers with strategic scale and complementary capabilities in the most attractive growth markets.

The European approach with a global footprint

According to a recent Autonomous Research report, European banks’ liquidity coverage ratios are higher, averaging 165% to US groups’ 118%. And unlike their European counterparts, some regional US banks are shielded from the liquidity rule, due to a 2018 change by Federal Reserve regulators. European banks also own fewer bonds, making them less vulnerable to interest rate swings.

�鶹�� has always and continues to be about our client focus, top quality services and a strong and supportive culture. �鶹�� is stronger than ever and we will continue focusing on the needs of clients, employees
and shareholders.

Sergio Ermotti, �鶹�� Group Chief Executive Officer

Exceeding net capital requirements

�鶹�� Financial Services Inc. has an established history of maintaining net capital at levels that substantially exceed those required under the SEC’s Net Capital rule, which is designed to protect clients against the risk of a broker-dealer’s failure. As of June 30, 2024, �鶹�� Financial Services Inc.’s net capital was $1.44 billion, which exceeds the minimum net capital requirement by $1.31 billion.

Stringent holding practices

As a leading broker-dealer, we deeply value the confidence clients place in us. Our clients benefit from SEC security holding practices, including the stringent “Customer Protection” rule that governs the custody and use of clients’ securities and cash.

Clients’ securities are not assets of �鶹�� Financial Services and are not exposed to the claims of the firm’s general creditors. Additionally, the firm cannot lend (rehypothecate) client securities unless they are held in a margin account and a margin debit balance exists in that account. Clients’ fully paid and excess margin securities must also be segregated for the exclusive benefit of the clients.

Learn how we communicate with clients about the safety and security of assets: click to download the PDF �鶹��—a partner you can count on (PDF, 116 KB) .

How we safeguard your clients’ cash: click to download the PDF Rest assured at �鶹�� Bank USA (PDF, 149 KB) .

Supplementing SIPC protection

Client securities (including money market mutual funds), and cash held in securities accounts, are protected by the Securities Investor Protection Corporation (SIPC) and by supplemental insurance we maintain with London Insurers.

Strength of �鶹�� Bank USA

�鶹�� Bank USA remains well-capitalized with a Common Equity Tier 1 (CET1) capital ratio of 26.90% as of September 30, 2025, compared to the regulatory minimum requirement of 4.5%.¹ It received a Fitch credit rating of A+/F1, as of May 21, 2025.²

Bank USA’s FedFis rating of 1.79 out of five, with one being the best rating, as of June 30, 2025. FedFis uses a comprehensive proprietary rating system that considers factors such as liquidity, asset quality, capital adequacy and earnings to determine overall creditworthiness.³

Deposits at �鶹�� Bank USA are protected by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., single, joint, corporate, etc.).

Examples of insurable ownership capacities include individual accounts, IRAs, joint accounts, trusts and employee benefit plans. The FDIC, in turn, is backed by the full faith and credit of the US government.

(�鶹�� Bank USA’s most recent regulatory call report may be found on the FDIC website at .)

Your next best move

�鶹�� is committed to maintaining an integrated series of safeguards to help ensure its ongoing fiscal strength and stability, which is key to protecting your clients’ assets and gaining their confidence—now and into the future.

Our strength and resiliency is just one of many reasons �鶹�� may be your next best—and permanent—move.

To learn more about joining one of the world’s leading global wealth managers, submit your contact information to be connected with a Field Leader.��

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Legal Notice

�鶹�� Financial Services Inc. Advisor Recruiting

This privacy disclaimer is issued by �鶹�� Financial Services Inc. (“�鶹��”, “We”).

In the context of recruitment, we collect and process the following personal information: Personal details & identification (e.g., name), Physical and electronic address data (e.g., private e-mail, private phone), unique identifier (e.g., candidate number) (“Personal Data”).

We collect and process your Personal Data for the purpose of recruiting and application handling (the “Purpose”).

Provision of your Personal Data is voluntary; however, we may not be able to process your application if you decide not to provide it.

Your Personal Data may be shared with and processed by �鶹�� Group companies, third parties or service providers globally to carry out the Purposes. If Data is transferred abroad, it may no longer be protected by your local laws and may fall under foreign regulations that allow the Data to be passed to relevant local authorities or other third parties.

We will retain your Personal Data for as long as necessary to fulfil the Purpose.

For more information about how �鶹�� processes your data including how we protect your data, your rights in respect of your data and contact details of the Group Data Protection Office, please refer to our Privacy Notice here /global/en/legal/general-disclosures/candidate-privacy-notice.html. If you are in a country that does not have a dedicated privacy notice on the pages linked above, by accepting the terms set out in this disclaimer, you consent to the processing of your Personal Data as set out above.

If you have any general questions, please contact us at advisorrecruitingwm@ubs.com or for data protection-specific questions contact dpo-us@ubs.com.

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¹ 28.14% CET capital ratio—FFIEC reporting as of December 31, 2022.
² Source:
³ Source: —FedFis is a financial institution’s data analytics and strategy system, which tracks financial data and M&A activity on every bank and credit union in the US. It uses a comprehensive proprietary rating system that considers factors such as liquidity, asset quality, capital adequacy and earnings to determine overall creditworthiness. The FedFis rating system ranges from one to five, where one is the highest and five the lowest rating. Banks with a FedFis score above a 3.25 are considered riskier.

SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at . SIPC and the supplemental insurance do not protect against losses in the market value of investments and do not apply to certain financial assets held away from the broker-dealer (such as insurance products and �鶹�� Bank USA bank deposits) or assets that are not securities, such as precious metals and other commodities, futures, foreign exchange, fixed annuities and life insurance, and certain investments, such as interests in limited partnerships that are not registered with the SEC.

For more information about FDIC insurance, please visit the FDIC website at .

© �鶹�� 2024. The key symbol and �鶹�� are among the registered and unregistered trademarks of �鶹��. �鶹�� Financial Services Inc. and �鶹�� Bank USA are subsidiaries of �鶹�� Group AG. �鶹�� Financial Services Inc. is a member of SIPC. Member FINRA. �鶹�� Bank USA, Member FDIC, NMLS no. 947868.

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