UBS GAAP EPS of $0.76 beats by $0.24, revenue of $12.76B beats by $120M

* UBS press release [https://seekingalpha.com/pr/20283573-ubs-reports-strong-results-in-3q25-with-continued-progress-on-integration-ad-hoc-announcement] (NYSE:UBS [https://seekingalpha.com/symbol/UBS]): Q3 GAAP EPS of $0.76 beats by $0.24.
* Revenue of $12.76B (+3.5% Y/Y) beats by $120M.
* On an underlying basis, revenues increased by 5% to USD 12,199m.
* 3Q25 PBT of USD 2.8bn and underlying1 PBT of USD 3.6bn, net profit of USD 2.5bn.
* RoCET1 of 13.5% and underlying RoCET1 of 16.3%. Core businesses underlying PBT up by 28% YoY, or 19% excluding litigation.
* Strong client activity and flows; 6.9trn invested assets, +4% QoQ, with GWM NNA 38bn, GWM underlying transaction income +11% YoY, AM NNM 18bn, IB underlying revenues +23% YoY with record 3Q in Global Markets and Global Banking, CHF ~40bn loans granted or renewed to Swiss clients.
* “We delivered an excellent 3Q25 financial performance, powered by significant momentum in our core businesses and disciplined execution of our strategic priorities. We've seen strong private and institutional client activity, with invested assets reaching nearly 7 trillion."
* "Consistent with UBS’s previously communicated plans, the amount of the accrual will be informed by our ongoing strategic planning process, maintaining a CET1 capital ratio of around 14%, achieving financial targets, and visibility on shape and timing of future capital requirements in Switzerland. We will communicate our 2026 capital returns ambitions with our fourth quarter and full-year financial results for 2025 in February 2026."
* "In the fourth quarter, we expect net interest income in US dollars to remain broadly stable in each of Global Wealth Management and Personal & Corporate Banking. Credit loss expense in Personal & Corporate Banking is projected at around CHF 80m."
* "Our reported net profit is expected to be influenced by integration costs of around USD 1.1bn, partly offset by acquisition-related revenues of around USD 0.5bn. The year-end 2025 CET1 capital ratio is expected to decrease sequentially reflecting an accrual for intended share repurchases in 2026, as well as the full-year 2025 dividend."

MORE ON UBS GROUP AG

* UBS Group AG (UBSS:CA) Presents at Bank of America 30th Annual Financials CEO Conference 2025 Transcript [https://seekingalpha.com/article/4823247-ubs-group-ag-ubss-ca-presents-at-bank-of-america-30th-annual-financials-ceo-conference-2025]
* UBS Group AG 2025 Q2 - Results - Earnings Call Presentation [https://seekingalpha.com/article/4815335-ubs-group-ag-2025-q2-results-earnings-call-presentation]
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