ABOUT THE COMPANY

Organizational Structure
Group Structure

Capital Structure

The table below provides information on the share capital, conditional capital and
authorized capital of UBS Group AG as currently recorded in the Commercial Register, and
as most recently reported to the SIX Swiss Exchange.

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 INTRODUCTION TO THE COMPANY

The world’s largest and truly global wealth manager

Strategy is centred on the leading Global Wealth Management business and premier
universal bank in Switzerland, which are enhanced by Asset Management and the
Investment Bank. UBS focus on businesses that have a strong competitive position in their
targeted markets, are capital efficient and have an attractive long-term structural growth or
profitability outlook. It is world’s largest and only truly global wealth manager. UBS have a
strong presence in the largest market, the United States, and a leading position in the
fastest-growing regions, including Asia Pacific and the other emerging markets. Their wealth
management business benefits from significant scale in an industry with attractive growth
prospects and increasingly high barriers to entry, and from its leading position across the
attractive high net worth and ultra-high net worth client segments. They are the preeminent
universal bank in Switzerland, the only country where they operate in all of our business
lines: wealth management, personal & corporate banking, asset management and
investment banking. Their leading position in home market is central to UBS’s global brand
and profit stability. The partnership between their wealth management business and their
other business divisions is a key differentiating factor and a source of competitive
advantage.

Strong capital position and capital-efficient business model

Capital strength is the foundation of their strategy and provides another competitive
advantage. They are well positioned to meet the fully applied Swiss too big to fail capital
and total loss absorbing capacity requirements when they become effective on 1 January
2020. The capital-accretive and capital-efficient business model helps us adapt to changes in
regulatory requirements, while pursuing growth opportunities without the need for
significant earnings retention. With the believe that the business model can generate an
adjusted return on tangible equity (excluding deferred tax expense / benefit and deferred
tax assets) of around 15% in normal market conditions.

An attractive and flexible capital returns policy

Earnings capacity and capital efficiency support their objective to deliver sustainable and
increasing capital returns to our shareholders. With the aim to increase ordinary dividend
per share at a mid-to-high single-digit percent per annum. They may also return excess
capital, after accruals for ordinary dividends, most likely in the form of share repurchases,
after considering the outlook and subject to regulatory approval.

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 Financial services in India

UBS in India provides corporates, institutions and individual clients with expert advice,
innovative solutions, execution and comprehensive access to international capital markets.
It offers advisory services and provides in-depth cross-asset research, along with access to
equities, foreign exchange, precious metals and selected rates and credit markets, through
its business units, Corporate Client Solutions and Investor Client Services. The Investment
Bank is an active participant in capital markets flow activities, including sales, trading and
market-making across a range of securities.

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 BUSINESS MODEL OF THE COMPANY

Largest full-service banks: It provide both advisory and financing banking services, as well as
sales, market making, and research on a broad array of financial products,
including equities, credit, rates, currency, commodities, and their derivatives.

AWARDS AND RECOGNITION

UBS wins Operational Risk 2016 Bank of the year award

UBS received the Operational Risk 2016 Bank of the year award recognizing the firm's work
to improve its operational risk management disciplines. Since UBS's restructuring in 2012, the
firm has reorganized its risk and compliance functions, devised a new firm-wide risk taxonomy
and assessment process, and significantly strengthened employee behaviour and conduct
monitoring.

Best Private Banking Services Overall 2019

The Euromoney Private Banking Survey 2019 awarded UBS the main global prize "Best Private
Banking Services Overall". In total, UBS received 9 global awards and ranked first in 15
regional awards and also in many country-specific categories.

World's Best Bank for Wealth Management 2018

The Euromoney Awards for Excellence named UBS "World’s Best Bank for Wealth
Management" in 2018, recognizing the bank's position as an industry leader in its core wealth
management businesses and its ability to navigate difficult times while still delivering for
stakeholders.

Best Private Banking Services Overall 2018

The Euromoney Private Banking Survey 2018 awarded UBS the main global prize "Best Private
Banking Services Overall". In total, UBS received 11 global awards and ranked first in 44
regional awards and also in many country-specific categories.

Best Global Private Bank 2017

In October 2017, UBS won the main prize "Best Global Private Bank" in the 9th Annual Global
Private Banking Awards, for the fifth time in a row.

UBS named "Best Bank in Switzerland" for the sixth time in a row
For the sixth time running, UBS has won the prestigious industry magazine Euromoney's "Best
Bank in Switzerland" award. As well as winning the title of Best Bank in Switzerland, UBS was
voted "Best Investment Bank in Switzerland".

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  Best FX liquidity provider of the year 2018 by FX Week, eFx Awards, July 2019

 Best Multi-Asset Class Platform, Post Trade Award and Structured Products Award
Profit and Loss, Digital FX Awards, May 2019

 Five years in a row, Structured Retail Products magazine named UBS Equity Derivatives
APAC, Best Warrants Provider and Structured Retail Products, April 2019

 Economics & Strategy, Pan-European Brokerage Firm, Overall Research, and #2

Overall Broker Extol Survey, Europe Awards, June 2019

 #1 Economics & Strategy: Leading Pan-European Brokerage Firm - Economics &

Strategy Research (Based on Commissions Paid) by Key FMs

 #1 Global: Leading Pan-European Brokerage Firm for Global Equity Sectors (Based on
Commissions Paid) by Key FMs

 #1 Overall Research: Leading Pan-European Brokerage Firm for Equity & Equity-Linked
Research (Based on Commissions Paid) by Key FMs

 #2 Overall Broker: Leading Pan-European Equity House (Based on Commissions Paid)

by Key FMs

 #1 Program/Portfolio Trading: Top Three Brokerage Firms - Equity Trading & Execution
Service (Based on Commissions Paid) by Key FMs

 #1 Emerging EMEA: Economics: All Brokerage Firms - Emerging EMEA (EMEA

Commissions Paid)

 #1 Emerging EMEA: Equity Strategy: All Brokerage Firms - Emerging EMEA (EMEA
Commissions Paid)

Besides winning this global prize UBS also won three other awards: Best Private Bank for
UHNW Clients, Best Initiative of the Year in Client Facing Technology, and Best Private Bank
for Philanthropy Services.

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 TERMINOLOGY

Tangible Equity: Tangible common equity is a measure of a company's physical capital,

which is used to evaluate a financial institution's ability to deal with potential losses.
Tangible common equity (TCE) is calculated by subtracting intangible assets and preferred
equity from the company's book value. Measuring a company's TCE is particularly useful for
evaluating companies that have large amounts of preferred stock. A bank can boost TCE by
converting preferred shares to common shares.

Credit Market: Credit market refers to the market through which companies and
governments issue debt to investors, such as investment-grade bonds, junk bonds, and
short-term commercial paper. Sometimes called the debt market, the credit market also
includes debt offerings, such as notes, and securitized obligations, including collateralized
debt obligations (CDOs), mortgage-backed securities, and credit default swaps (CDS).

Equity Capital Market: A department of Investment bank that deals with structuring and
pricing the issuance of equity, such as IPO (Initial Public Offering – Flotation of the company
on the stock exchange), Private Placements and warrants in primary market. It also trades
Shares, Futures, swaps and options in the secondary markets with bond market.

Toxic Debt: Toxic debt are type of loans and other type of assets that have very low chance
of being repaid with interest. Such assets cause severe problem to the financial institutions
that keep them for longer period of time.

Credit default swap: is a financial swap agreement that the seller of the CDS will
compensate the buyer in the event of a debt default (by the debtor) or other credit
event. That is, the seller of the CDS insures the buyer against some reference asset
defaulting. The buyer of the CDS makes a series of payments to the seller and, in exchange,
may expect to receive a payment if the asset defaults.

For example, if a lender is worried that a borrower is going to default on a loan, the lender
could use a CDS to swap that risk. To swap the risk of default, the lender buys a CDS from
another investor who agrees to reimburse the lender in the case the borrower defaults.
Most CDS will require an ongoing premium payment to maintain the contract, which is like
an insurance policy. In the event of default, the buyer of the CDS receives compensation and
the seller of the CDS takes possession of the defaulted loan.

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 TOUGH WORD
a) Derivatives

b) Proprietory trading

c) Callable bonds

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