Mission Statement, Vision, & Core Values of UBS Group AG (UBS)

A company's Mission Statement, Vision, and Core Values are not just marketing fluff; they are the strategic blueprint that directly impacts financial performance, especially for a behemoth like UBS Group AG, which reported a Q3 2025 net profit attributable to shareholders of over $2.481 billion. When you see UBS's invested assets hit $6.6 trillion in the first half of 2025, you have to ask: is this massive scale driven by their stated commitment to Client centricity and Capital strength, or is it just market momentum? We're going to break down how their core principles-like Risk management and Sustainable impact-map onto their operational reality, giving you a clear view of the firm's defintely complex strategic foundation. Are these guiding principles truly the engine behind their growth, and what near-term risks do they create for the firm's strategic outlook?

UBS Group AG (UBS) Overview

You need to know where your capital is going, and with a financial giant like UBS Group AG, the sheer scale can be overwhelming. The direct takeaway is this: UBS is not just a bank; it's the world's largest wealth manager, and its strategic integration of Credit Suisse is now translating into massive, tangible financial gains, especially in its core businesses as of late 2025.

The firm's history is a masterclass in financial consolidation, formally created in 1998 from the merger of the Union Bank of Switzerland and the Swiss Bank Corporation. This foundation built one of the world's most powerful financial institutions, which then took on its most significant challenge in 2023 by acquiring Credit Suisse. This move solidified its position, but the real test-the integration-is what we're watching now. Honestly, that integration is moving faster than most analysts defintely expected.

UBS's business model is diversified but laser-focused on the high-end client. Its core product and service portfolio spans four main divisions:

• Global Wealth Management (GWM): Personalized advice and solutions for high-net-worth individuals.
• Personal & Corporate Banking: A leading universal bank for retail and corporate clients in Switzerland.
• Asset Management: Diversified investment capabilities across traditional and alternative assets.
• Investment Bank: Advisory services, capital markets access, and trading.

Looking at the top-line figures, UBS's trailing twelve months (TTM) revenue as of September 30, 2025, stood at $77.298 billion. This massive figure underscores the scale of its global operations, which span over 50 countries and employ more than 115,000 people worldwide.

Q3 2025 Financial Performance: Integration Pays Off

The latest financial reports, specifically the third quarter of 2025 results released in late October, show the strategic benefits of the Credit Suisse acquisition are finally hitting the bottom line. This quarter wasn't just good; it delivered a significant leap in profitability. Here's the quick math: net profit attributable to shareholders jumped to $2.481 billion, which is a massive 74% increase compared to the same quarter last year.

Total reported revenues for Q3 2025 were $12.76 billion, showing a solid 3% year-over-year growth. But the underlying story is in the core businesses. The underlying pre-tax profit (PBT) soared to $3.6 billion, a 50% year-over-year increase. This growth is largely driven by strong client momentum, particularly in wealth management.

The main product sales-or rather, the core business segments-saw exceptional performance:

• Global Wealth Management brought in $38 billion in net new assets (NNA) during the quarter.
• Asset Management saw its invested assets pass the $2 trillion mark.
• Global Banking transaction-based income had a record third quarter, up an impressive 52% year-over-year.

The firm's underlying Return on CET1 capital (a key measure of bank profitability) hit 16.3%, demonstrating a robust financial position and effective capital management. This is what you want to see from a consolidated entity: higher returns from a leaner, more focused operation.

UBS as an Industry Leader and Global Powerhouse

UBS is not just a participant in the financial services industry; it is arguably the pre-eminent global integrated investment services firm. The numbers confirm its dominance: the Group's invested assets now stand at nearly $7 trillion, making it the world's largest private bank by a significant margin. It manages the largest amount of private wealth globally, counting approximately half of the world's billionaires among its clients.

The firm holds a strong foothold across all major financial centers-Americas, EMEA, and Asia-Pacific-and is recognized as a global systemically important bank (G-SIB). Being a G-SIB means the Financial Stability Board considers it so crucial to the global financial system that it requires extra regulatory oversight and higher capital buffers. That's a heavy responsibility, but it also signals unparalleled stability and reach.

The Q3 2025 results, with its $2.481 billion net profit, prove the integration strategy is working to create a true powerhouse. If you want to understand the mechanics behind this success-the capital ratios, the cost-saving momentum, and the forward-looking risks-you need to dig deeper. Find out more below to understand why UBS Group AG is so successful: Breaking Down UBS Group AG (UBS) Financial Health: Key Insights for Investors

UBS Group AG (UBS) Mission Statement

You're looking for the bedrock of a global financial giant, and understanding UBS Group AG's mission is how you map their long-term strategy and risk profile. The mission statement isn't just a plaque on the wall; it's the operating manual for a firm that manages over $6.6 trillion in invested assets as of the second quarter of 2025.

The core purpose of UBS is a powerful, simple idea: Reimagining the power of people and capital to create a better world for all of us - a world that's fair, that's sustainable, and that gives everyone the opportunity to thrive. This statement clearly signals a shift from purely transactional banking to a model focused on sustainable impact (ESG) and global connectivity, which is defintely a trend-aware move in the financial world.

This overarching purpose breaks down into three actionable components that guide every division, from Global Wealth Management to the Investment Bank. It's what drives their strong financial performance, like the reported 1H 2025 net profit of $4.1 billion.

Reimagining the Power of Investing: Client-Centricity and Scale

The first core component centers on proactively finding ways to fundamentally change how the world looks at finance and investing. This isn't about being a passive custodian; it's about using capital as a positive force for individuals, society, and the planet.

For you, the investor, this translates directly to the principle of 'Client centricity'-clients are at the heart of everything they do. UBS's commitment to this is evident in their Global Wealth Management (GWM) division, which attracted 1H 2025 net new assets of $54.8 billion, even in a volatile market.

• Deliver personalized, relevant advice.
• Offer tailored products and services.
• Leverage global expertise for comprehensive solutions.

This scale matters. When a firm has this kind of momentum, it shows clients are valuing the breadth of advice and global capabilities, especially during unpredictable times. You want a partner who is growing when others are struggling. Exploring UBS Group AG (UBS) Investor Profile: Who's Buying and Why?

Connecting People and Capital for a Better World: Global Ecosystem

The second component, 'Connecting people and capital for a better world,' is all about leveraging their massive global footprint. It's about convening a global ecosystem that connects people and businesses to ideas, partners, and opportunities.

Think of it as a massive, high-speed network. UBS uses its global reach to link a startup in Asia with capital from a pension fund in the US, or a European family office with a real estate opportunity in the Americas. This 'Connectivity' principle is how they create success. The firm's ability to execute on this is why they are considered one of the world's largest private banks.

Here's the quick math: managing over $6.6 trillion in invested assets means they have the sheer size to make these connections meaningful, not just theoretical. They are a systemically important bank globally, and that designation comes with the expectation of being a stable, connecting force in the financial world.

Sustainable Impact and Capital Strength: The Foundation of Trust

The final pillar, ensuring a world that is 'fair and sustainable,' is grounded in the firm's operational discipline-what they call their 'Pillars' and 'Sustainable impact' principle. This is where the rubber meets the road on risk and long-term value.

The key Pillars are Capital strength, Simplification and efficiency, and Risk management. You need to see the numbers here, not just the words. For the second quarter of 2025, UBS maintained a strong CET1 Capital Ratio (a key measure of a bank's ability to withstand financial stress) of 14.4%, which is above their target. This capital strength is a unique competitive advantage that clients value.

Furthermore, their relentless focus on efficiency, particularly post-merger, has delivered cumulative exit rate gross cost savings of $9.1 billion as of 2Q25, representing 70% of their expected target. This operational rigor is what allows them to commit to long-term sustainable impact, like their pledge to reach net-zero emissions across their operations by 2050. They act today with tomorrow in mind.

UBS Group AG (UBS) Vision Statement

You're looking at a financial behemoth like UBS Group AG, and you need to know their north star, especially after their massive integration with Credit Suisse. The vision isn't just a poster on the wall; it's the strategic filter for every dollar of their $1,632.251 billion in total assets as of Q3 2025. The direct takeaway is this: UBS is not just aiming to be the biggest wealth manager; they want to be the central hub for all global investing-a true ecosystem.

Their vision is to convene THE global ecosystem for investing-where thought leadership is impactful, people and ideas are connected, and opportunities are brought to life. This isn't just about managing money; it's about controlling the flow of ideas and capital. With invested assets reaching a staggering $6.6 trillion in the second quarter of 2025, they are already the largest private bank in the world, so this vision is less aspirational fantasy and more a statement of intent for market dominance. It's a clear, definable goal, not some vague corporate fluff.

Here's the quick math on that dominance: Global Wealth Management added $54.8 billion in net new assets in the first half of 2025 alone, showing clients are defintely buying into the post-merger stability and global reach. This momentum is the engine driving the vision to reality.

The Core Purpose: Their Mission Statement

The mission statement, which UBS Group AG often refers to as their Purpose, is the 'why' behind the Vision. It's what grounds the firm's immense capital power in a human, relatable context. Their purpose is: Reimagining the power of people and capital to create a better world for all of us - a world that's fair, sustainable and gives everyone the opportunity to thrive.

To be fair, a bank's mission will always sound a bit lofty, but the key is the translation into action, particularly in their push for Sustainable Impact (a core principle). This focus is a direct response to the massive shift in client demand for Environmental, Social, and Governance (ESG) investing. It's a business opportunity mapped to a social goal. For a deeper dive into how this purpose developed, you can read more about UBS Group AG (UBS): History, Ownership, Mission, How It Works & Makes Money.

The financial results show this focus isn't hurting profitability. UBS Group AG's net profit attributable to shareholders for Q3 2025 was $2.481 billion, demonstrating that strategic positioning and effective management-even during a complex integration-can deliver superior returns while pursuing a broader purpose. This is a crucial data point for investors: purpose and profit are not mutually exclusive.

Core Values: The Three Keys to Success

UBS Group AG translates its culture into a clear, actionable framework called the Three Keys to Success, which is far more useful than a list of abstract values. These keys define what the firm is built on, what it stands for, and how its employees execute daily. They are the operational bedrock that supports the Vision and Purpose.

The Pillars are the foundation, the non-negotiables that protect the franchise:

• Capital strength: A balance sheet for all seasons. Their CET1 Capital Ratio of 14.4% in Q2 2025 is a testament to this, well above regulatory minimums.
• Simplification and efficiency: Make it easy to do business. This is critical for realizing the expected cost savings from the Credit Suisse integration.
• Risk management: Anticipate and handle risk effectively. Successful banking is successful risk management.

The Principles are what guide client interaction and long-term strategy:

• Client centricity: Clients are at the heart of everything we do.
• Connectivity: Create success by connecting people, ideas and opportunities. This directly supports the 'global ecosystem' vision.
• Sustainable impact: Act today with tomorrow in mind.

Finally, the Behaviors are the internal standards for every employee, from the trading floor to wealth management:

• Accountability with integrity: Take ownership and step up.
• Collaboration: Deliver one UBS, together.
• Innovation: Challenge perspectives and look for every opportunity to improve.

What this estimate hides is the human element of integrating two massive, historically competitive cultures. Still, the fact that their net income for the twelve months ending September 30, 2025, hit $7.337 billion suggests the structure is working, and the firm is moving forward with a clear, unified strategic plan.

UBS Group AG (UBS) Core Values

You're looking for a clear map of what drives a financial giant like UBS Group AG, especially after such a transformative year. The core values aren't just posters on a wall; they are the operating code that delivered a $2.5 billion net profit in the third quarter of 2025. This isn't theoretical finance; it's a commitment to a set of principles-Client-centricity, Accountability with Integrity, Collaboration, and Sustainable Impact-that directly translate into financial performance and stability.

Our analysis of the 2025 fiscal year data shows these values are embedded in their strategy, from managing $6.2 trillion in invested assets to accelerating the Credit Suisse integration. They're not just talking about culture; they're funding it. You need to see the numbers behind the philosophy, so let's break down how these values manifest in concrete action.

For more on the shareholder perspective, you should be Exploring UBS Group AG (UBS) Investor Profile: Who's Buying and Why?, but for now, let's focus on the cultural engine.

Client-centricity

Client-centricity means putting the client's financial goals first-it's the backbone of their Global Wealth Management business, the world's largest. The true measure of this focus is client momentum, and in the first quarter of 2025, the Global Wealth Management division booked $7 billion in net new assets. That's a clear signal clients trust the tailored advice and solutions being offered.

UBS Group AG's strategy is to be a comprehensive partner, not just a transaction engine. This is why their advisory services are structured to address the full spectrum of a client's financial life, from high-net-worth individuals to institutions. They employ a 'Life's Questions' campaign that positions the firm as a trusted advisor on complex financial issues, not just a seller of products. Honestly, in a volatile market, clients flock to stability and personalized attention, and that $7 billion inflow shows they are defintely delivering on that promise.

• Booked $7 billion in net new assets in Q1 2025.
• Total invested assets edged up to $6.2 trillion by Q1 2025.
• Use personalized service to cultivate trust.

Accountability with Integrity

In finance, integrity is your license to operate. Accountability with Integrity means adhering to the highest ethical standards and taking ownership of mistakes, especially in a highly regulated global environment. This is non-negotiable, and it's why the firm is constantly upgrading its compliance framework, particularly following the integration of Credit Suisse.

A recent example from October 2025 demonstrates this commitment: UBS AG paid a fine of HK$8 million, or about $1.03 million, to the Hong Kong Securities and Futures Commission (SFC) for historical client classification discrepancies. Instead of just paying the penalty, the firm immediately rolled out an advanced compliance upgrade program, integrating new technology-driven verification tools. This proactive response, and the January 2025 extension of the Deferred Prosecution Agreement (DPA) with the US Department of Justice (DOJ) to ensure continued compliance enhancement, show that risk management is a core function, not a side project. You have to be a strong risk manager to be a successful banker.

Collaboration

Collaboration, or what the firm often calls 'One UBS,' is about leveraging the entire global platform to serve a single client. The most significant example of this value in 2025 is the monumental integration of Credit Suisse. This is where the rubber meets the road on internal collaboration.

By the second quarter of 2025, the firm had achieved $9.1 billion in cumulative annualized gross cost savings, reaching 70% of its $13 billion target by 2026. Here's the quick math: those savings come from merging systems, consolidating operations, and getting two massive workforces to function as one. Outside Switzerland, approximately 90% of client accounts have already been migrated to UBS Group AG platforms, a feat of collaboration between technology, operations, and wealth management teams. They are also actively reducing drag on capital by winding down the Non-core and Legacy (NCL) portfolio, trimming risk-weighted assets from $86 billion in 2023 to $30 billion by mid-2025.

Sustainable Impact

Sustainable Impact is the recognition that long-term financial success is tied to a healthier planet and a fairer society (environmental, social, and governance or ESG). This value is demonstrated through both their investment offerings and their corporate operations.

The firm has made tangible progress toward its climate goals, including a revised target to reduce its Scope 1 and 2 emissions (direct and power-related) to net zero by 2035. Operationally, they have already achieved 99.8% renewable electricity aligned with the RE100 initiative. On the social side, the UBS Optimus Foundation, which focuses on philanthropic capital, surpassed its goal of mobilizing $1 billion by the end of 2025, reaching $1.1 billion in 2024. This shows they are not waiting for the deadline to act, but are accelerating their social and environmental commitments.

• Goal to reach net zero Scope 1 and 2 emissions by 2035.
• Achieved 99.8% renewable electricity.
• Mobilized $1.1 billion in philanthropic capital by 2024, surpassing the 2025 target.