UBS

What UBS does

UBS Group AG is a Swiss-headquartered, publicly-listed global financial services firm operating across three core business divisions: Wealth Management, Asset Management, and Investment Bank, supplemented by Corporate & Institutional Clients and Group functions. Founded around 1866 and headquartered at Bahnhofstrasse 45 in Zurich (SIX Swiss Exchange ticker UBSG), UBS serves high-net-worth and ultra-high-net-worth individuals and families through dedicated Financial Advisors across all 49 US states and international wealth hubs, alongside institutional asset owners, corporates, and government clients. As of April 2026 the firm reported $7 trillion in invested assets and $73.3 billion in CET1 capital, making it one of the largest truly global wealth managers following its 2023 acquisition of Credit Suisse.

The firm's product architecture combines a unified digital core with proprietary platforms: UBS Neo and the UBS Asset Management Client Portal serve institutional and professional investors with research, electronic trading and reporting; UBS KeyLink provides multibanking, SWIFT-connected payments, FX, CLS settlement, precious metals and securities banking for corporate clients; UBS Online Services and the UBS Mobile App deliver self-service wealth-management functionality to US clients; and UBS One Source supports Workplace Wealth Solutions / corporate stock plans. A proprietary internal AI platform — used by 90% of US advisory teams with approximately 500 AI agents deployed across business areas — underwrites productivity, instant portfolio reviews, generative client communications, fraud detection, and predictive market analytics. UBS Asset Management offers active, index, ETF, hedge fund, infrastructure, private equity, private credit, real estate and food-and-agriculture strategies, while the Investment Bank provides M&A advisory, equity and debt capital markets, and electronic execution. Emerging digital-asset capabilities include UBS uMINT (a tokenized money-market fund used as off-exchange settlement collateral on Bybit via Calais Digital Assets) and joint Ethereum compliance proofs of concept with Nethermind.

UBS generates revenue through a mix of recurring fee streams and transactional activity: wealth management advisory and brokerage fees (subscription/recurring model with $1M+ entry threshold), asset management management and performance fees, investment banking advisory and capital markets fees, net interest income from banking and lending, capital-markets debt issuance activity (e.g., $3.25B senior notes 2025; $3.5B AT1 2023; $4.5B senior notes 2023; cross-currency EUR/JPY/CHF tranches), and emerging tokenized-asset / on-chain settlement revenues. Post-Credit-Suisse, the firm is on track to realize $13.5 billion in targeted synergies with $10.7 billion already achieved by end of 2025, and is executing a planned $3 billion share buyback. The franchise is regulated across multiple jurisdictions (FINRA, SEC, CFTC, NFA, FDIC, NMLS 947868, FINMA, FCA) and carries top-tier credit ratings (A- S&P, A3 Moody's, A Fitch).

Name

UBS

Legal name

UBS Group AG

Website

https://ubs.com

Company type

Public

Founded year

1866

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

UBS is a Swiss-headquartered global financial services firm serving high-net-worth individuals, institutional clients, and corporates through integrated Wealth Management, Asset Management, and Investment Bank divisions, managing $7 trillion in invested assets across 49 US states and global hubs.

Ownership category

akta.pro rank

Product category

Diversified Financial Services

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Finance and Insurance (52), Open-End Investment Funds (525910)

SIC

National Commercial Banks (6021), Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Block Trades & Accelerated Bookbuilds (ABB) (FSACAAAE)

Keywords

• Wealth management services
• Investment banking advisory
• Asset management
• Capital markets underwriting
• Private banking services

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others, Marketing or Sales, Infrastructure

Revenue model

1. Wealth Management Advisory and Brokerage Fees: Recurring and transaction-based fees from financial advice, investment solutions and personalized services for high-net-worth and ultra-high-net-worth individuals and families globally, delivered via dedicated Financial Advisors across 49 US states and international wealth management hubs.
2. Asset Management Fees: Management and performance fees on traditional and alternative investment products across equities, fixed income, multi-asset, hedge funds, infrastructure, private equity, private credit, real estate and food & agriculture strategies, serving institutional and intermediary clients.
3. Investment Banking Advisory, Capital Markets and Trading: Revenue from M&A advisory, debt and equity capital markets underwriting, securities trading and execution for corporates, institutional and professional investors; UBS Investment Bank earned recognition as Best Investment Bank for Financial Institutions and Best M&A Bank in APAC (Global Finance 2025).
4. Senior Notes and AT1 Bond Capital Markets Activity: Capital raising through debt issuances, including a $3.25B senior notes pricing (Nov 2025), $1.5B USD senior notes (Sept 2024), $3.5B AT1 bond issuance (Nov 2023) and $4.5B fixed-rate callable senior notes (Sept 2023); proceeds support capital adequacy and funding.
5. Banking, Lending and Workplace Wealth Solutions: Net interest income from deposits, mortgage planning, securities-backed lending, commercial financing, credit cards and cash management at UBS Bank USA; plus Workplace Wealth Solutions providing corporate retirement plans, equity compensation and financial wellness programs.
6. Tokenized Real-World Asset Settlement: Emerging revenue from tokenized products such as UBS uMINT tokenized money-market fund used as institutional margin collateral on crypto exchanges, signaling a digital asset settlement and on-chain collateral business.

Pricing tiers

Go-to-market motion4 records

Core offering

UBS is a global financial services firm offering wealth management advice and solutions to high-net-worth and ultra-high-net-worth clients, asset management products across traditional and alternative asset classes for institutional clients, and investment banking advisory, capital markets underwriting, securities trading, and research to corporates, institutional and professional investors. The firm operates an integrated universal bank under Swiss parent UBS Group AG, with $7 trillion in invested assets, $73.3 billion in CET1 capital, and operations spanning wealth management, asset management, and investment banking worldwide.

Product overview

UBS operates a platform-plus-modules architecture organized around three global business divisions — Wealth Management, Asset Management, and Investment Bank — supported by Corporate & Institutional Clients and Group functions. The Wealth Management division in the US is anchored by the UBS Wealth Way planning framework (Liquidity/Longevity/Legacy) and delivered through UBS Financial Advisors, with the UBS Online Services (OLS) portal, UBS Mobile App, UBS One Source (corporate stock plans), and UBS KeyLink (multibanking e-banking with SWIFT/CLS access) as digital modules. Asset Management offers active and index capabilities across Equities, Fixed Income, Multi-Asset, Hedge funds, Infrastructure, Private Equity, Private Credit, Real Estate, Liquidity, ETFs, and Sustainable investing, delivered to institutional clients and financial advisors. The Investment Bank provides advisory/M&A, debt and equity capital markets, research (UBS Research/Global Research, UBS Knowledge Network), electronic trading solutions, and the UBS Neo client platform. Group-wide digital initiatives include UBS uMINT (tokenized money-market fund), the UBS ETRACS ETN family (e.g., GLDI), UBS Neo AM (Asset Management client portal), the Cyber Security at UBS program, and an internal AI platform used by 90% of US advisory teams.

Differentiator

Problem solved

Functional benefit

Brands

• UBS Wealth Way: Proprietary wealth management framework incorporating Liquidity, Longevity, and Legacy strategies used by UBS Financial Advisors in the US.
• UBS Neo
• UBS One Source
• UBS Online Services (OLS)
• UBS KeyLink
• UBS Tower
• UBS Asset Management
• UBS Optimus Foundation
• The Red Thread

Products and services

• Wealth Management Suite of wealth management services for high-net-worth and ultra-high-net-worth individuals and families including planning, investing, banking, lending and giving solutions delivered through UBS Financial Advisors, with an entry threshold of $1M+ investable assets in the US market.
• UBS Asset Management Investment capabilities across traditional and alternative asset classes for institutional and intermediary clients, including active and index strategies, ETFs, hedge funds, infrastructure, private equity, private credit, real estate, food and agriculture, liquidity/cash management, and sustainable investing.
• UBS Investment Bank Global investment banking franchise providing advisory/M&A, debt and equity capital markets, structured and bespoke financing, research (UBS Research, UBS Knowledge Network), electronic trading, and execution services to corporates, institutional and professional investors.
• UBS KeyLink Professional multibanking e-banking platform offering integrated payments, cash management, FX trading/confirmation, Continuous Linked Settlement (CLS), precious metals and securities banking; supports SWIFT connectivity regardless of membership and integrates into client networks via a modular architecture.
• UBS ETFs Exchange-traded funds offered under UBS Asset Management's indexing/ETF capability across equity, fixed income, and multi-asset exposures for institutional and intermediary clients.
• UBS Funds (Mutual Funds and Liquidity Funds) Range of mutual funds and liquidity funds offered across multiple jurisdictions and investor roles, including real estate and farmland strategies; in the US provided through UBS Asset Management (Americas) LLC, UBS Realty Investors LLC, and UBS Farmland Investors LLC, each an SEC-registered investment adviser.
• UBS Workplace Wealth Solutions Corporate retirement plans, equity compensation (UBS One Source stock plans portal), and financial wellness programs delivered to corporate clients and their employees as part of the Workplace Solutions channel.
• UBS uMINT (tokenized money-market fund) Tokenized UBS money-market fund positions issued for use as off-exchange settlement collateral in crypto-venue margin workflows; demonstrated on Bybit via Calais Digital Assets with positions custodied in ByCustody.
• ETRACS Gold Shares Covered Call ETN (GLDI) Exchange-traded note issued by UBS that sells covered calls on SPDR Gold Shares (GLD) to generate monthly distributions for retail and institutional investors; subject to volatility-driven call-premium compression.

Quantifiable outcome

• $7.8 billion full-year 2025 profits, up 53% year-over-year
• +8 more outcomes

Named customers9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability9 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered flagship, strategic and minor.

• NethermindflagshipTechnology or Integration · 1 June 2026UBS and Nethermind completed two joint proofs of concept demonstrating that the public Ethereum network can meet operational and regulatory compliance requirements for regulated financial institutions. PoCs included configurable Ethereum nodes with compliance rules and routing components for approved transaction bundles via relay services and selected block builders, validated on Ethereum's Sepolia test network. The two organizations plan to expand on these findings as technology and regulatory conditions evolve, potentially opening doors for wider institutional participation in Ethereum-based activities.
• CITIC SecuritiesstrategicStrategic or Co-development Partner · 1 June 2026UBS and CITIC served as joint sponsors for PT Merdeka Gold Resources Tbk's HK$2.4 billion IPO on the Hong Kong Stock Exchange, supporting the Indonesian miner's first gold pour in February 2026 and listing milestones.
• BNP ParibasstrategicStrategic or Co-development Partner · 1 June 2026UBS and BNP Paribas served as joint lead managers for the State Treasury of Poland's CHF 885 million triple-tranche bond issue (CHF 485M 3-year, CHF 160M 7-year, CHF 240M 10-year green notes). Gide advised the Polish Ministry of Finance and Clifford Chance advised the banks on the transaction.
• Morgan StanleystrategicChannel Partner/ Reseller/ Distributor · 1 June 2026UBS joined Morgan Stanley as joint arranger of a A$750 million (US$525M) loan to La Trobe Financial Corp, an Australian non-bank lender owned by Brookfield, comprising a A$700M five-year term loan B and A$50M revolving credit facility at BBSY + 475 bps to fund a dividend payout and refinance existing debt.
• Calais Digital Assets / BybitstrategicTechnology or Integration · 1 June 2026UBS's uMINT tokenized money-market fund is being used by Calais Digital Assets in a live three-party trading workflow on Bybit, where uMINT positions remain in ByCustody while being recognized as trading collateral on the Bybit exchange. The deployment has approximately $18.7M total asset value with 176,116 tokens and 29 holders, demonstrating a capital-efficiency shift from idle cash to productive margin via tokenized real-world assets.
• UK Financial Conduct Authority (FCA) AI Live Testing initiativeminorOthers · 1 June 2026UBS is among major banks (alongside U.S. Bank, Barclays, Lloyds Banking Group, NatWest, Monzo, Santander and JPMorgan Chase) actively using or exploring synthetic algorithmic consumers to test financial products like credit cards and AI investment apps; the UK FCA's AI Live Testing initiative formally supports this practice. Industry experts warn that synthetic data can leak sensitive information through inference attacks and replicate historical biases.
• MSCI Inc.minorGTM or Marketing Partner · 1 June 2026Alex Kramm from UBS moderates MSCI's Q&A webinar on June 25, 2026 covering Private Assets business, strategic priorities, product innovation and AI-enabled capabilities, featuring Luke Flemmer (Head of Private Assets) and Jeremy Ulan (Head of Investor Relations and Treasurer) at MSCI.
• HomburgerminorImplementation/ SI/ Consulting Partner · 1 September 2024Homburger advised UBS Group AG on its issuance of USD 1.5 billion senior notes (Sept 2024) and on the issuance of USD 4.5 billion in fixed-rate callable senior notes under UBS's Senior Debt Programme (Sept 22, 2023) with three tranches due 2027, 2029 and 2034 listed on SIX Swiss Exchange.

Scale indicators13 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• HSBC Holdings: HSBC is a direct peer as a global universal bank with a leading cross-border wealth management franchise (HSBC Global Private Banking, Premier), strong Asia-Pacific wealth exposure (Hong Kong, Singapore), investment bank, and asset management. It competes head-to-head with UBS in HNW wealth and GBA/HK markets.
• Goldman Sachs: Goldman Sachs is a direct peer to UBS in global investment banking (advisory, ECM, DCM, trading) and increasingly in wealth and asset management (Goldman Wealth, Ayco). It competes with UBS Neo for institutional client flow and has similar ambitions in alternatives and private markets.
• Morgan Stanley: Morgan Stanley is the closest direct peer to UBS: a global wealth management-led franchise integrated with a top-tier investment bank and asset management business. Both serve HNW/UHNW clients globally, compete in ECM/DCM/M&A advisory, and have pursued similar scale-and-synergy strategies through acquisitions (Smith Barney, Eaton Vance).
• Julius Baer: Julius Baer is a direct Swiss wealth management peer focused on HNW/UHNW clients globally. It competes with UBS Wealth Management for the same affluent client segment, particularly in Switzerland, Europe and Asia, and was rumored as a potential acquirer of parts of Credit Suisse's wealth business before UBS's bid prevailed.
• Pictet Group: Pictet is a direct Swiss private bank and asset manager (Pictet Wealth Management, Pictet Asset Management) that competes with UBS in HNW wealth, alternative asset management (Pictet Alternative Advisors), and Switzerland-domiciled institutional mandates. It is a relevant Swiss-domiciled peer for benchmarking franchise quality.

Broad incumbents

• BNP Paribas: BNP Paribas is a broad incumbent peer as a European global universal bank with wealth management (BNP Paribas Wealth Management), corporate & institutional banking, and asset management. It competes with UBS in cross-border wealth, ECM (e.g., joint lead manager with UBS on Polish sovereign CHF bonds), and corporate banking.
• JPMorgan Chase: JPMorgan Chase is the broadest incumbent competitor: a global universal bank with leading wealth management, asset management, investment banking and retail banking divisions. It competes with UBS across the full stack and sets the upper bound on scale and ROE benchmarks that UBS is measured against.
• Barclays: Barclays is a broad incumbent peer as a UK-headquartered universal bank with wealth (Barclays Private Bank), investment banking (Barclays Investment Bank), and asset management (Barclaycard consumer). It competes with UBS in European advisory, ECM and DCM.
• Deutsche Bank: Deutsche Bank is a broad incumbent peer as a European-headquartered global universal bank with wealth management (Deutsche Bank Wealth Management, DWS), investment banking, and asset management. It competes with UBS in European HNW wealth, ECM, and FX/e-banking platforms.
• Citigroup: Citi is a broad incumbent competitor with a global universal banking franchise spanning consumer, wealth (Citi Global Wealth), institutional banking, and capital markets. It overlaps with UBS in institutional cash management, FX (KeyLink vs. Citi Velocity), and is a peer in AI-driven wealth advice scaling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/UBS
• YouTubeyoutube.com/ubs
• Facebookfacebook.com/UBSglobal
• LinkedInlinkedin.com/company/ubs
• Instagraminstagram.com/ubstrending

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Subsidiaries6 records

Funding overview

Funding rounds9 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments167 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UBS