Corporate Information


1995 Annual Report



		

UBS Group 1991-1995

1991 1992 1993 1994* 1995
Key figures Swiss francs in millions
Group profit 1,216 1,343 2,268 1,622 1,683
Cash flow 2,958 3,191 4,507 3,182 3,569
Cash flow per employee (in CHF) 106,875 116,972 163,890 110,172 122,768
Shareholders' equity** 17,799 18,639 20,929 22,079 23,049
Total assets 249,291 266,753 311,255 344,351 386,784
Income Swiss francs in millions
Net interest income 3,313 3,431 3,643 3,714 3,448
Net fee and commission income 2,833 3,162 4,042 4,045 3,997
Net income from trading operations 1,271 1,680 2,915 1,116 1,727
Other income from ordinary activities 380 299 420 311 537
Premiums from insurance operations - - - 55 222
Operating income 7,797 8,572 11,020 9,241 9,931
Expenses Swiss francs in millions
Operating expense 4,415 4,821 5,743 5,627 6,151
Personnel expense 2,938 3,257 4,005 3,871 4,164
General administrative expense 1,477 1,564 1,738 1,702 1,773
Expenses relating to insurance operations - - - 54 214
Depreciation, write-offs on fixed assets,
value adjustments, provisions and losses
1,722 1,829 2,231 1,560 1,886
Profit before extraordinary items and taxes 1,660 1,922 3,046 2,054 1,894
Ratios in %
ROE (group profit/equity***) 7.0 7.4 11.5 7.5 7,5
ROA (group profit/total assets) 0.5 0.5 0.7 0.5 0.4
Expense/income 56.6 56.2 52.1 60.9 61.9
Provisions/loans to customers,
incl. mortgage loans
4.7 5.0 5.7 4.6 4.0
Customer deposits/loans to customers,
incl. mortgage loans
111.0 113.3 113.7 107.9 114.2
Equity ratio** 7.1 7.0 6.7 6.4 6.0
BIS capital ratio 10.8 10.0 10.2 10.6 11.8
Tier I capital (share capital and reserves) 8.8 8.1 8.3 8.4 9.7
Resources (at year-end) number
Employees 27,677 27,280 27,500 28,882 29,071
of which: outside Switzerland 5,246 5,430 6,002 6,710 7,101
Number of offices 365 370 360 399 393
of which: outside Switzerland 49 48 54 64 69
* All figures for 1994, with the exception of the BIS capital ratio and tier I capital, have been restated for better comparability to conform to new accounting regulations effective as from 1995
** Including group profit, but excluding parent company dividend
*** Average of balances at beginning and end of year

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