Investor Day 2005 Wealth Management USA
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1 Investor Day 2005 Wealth Management USA New York, 13 th May 2005 Mark Sutton, Chairman & CEO You & Us
2 Business Overview 1
3 PaineWebber to UBS 1999 (PaineWebber) Today (WM-USA) Benefits US-centric broker firm Global products and services capabilities Attracting global investors & cache as WM leader Product limitations in certain areas Sub-scale investment bank and asset management Growing cost base in certain areas (e.g. research, regulations, etc.) Limited balance sheet and lending capabilities (credit rating: BBB+) Broader range of wealth management products and services Access to global investment bank and asset manager with rapidly growing US presence Steadily decreasing cost / income ratio Credit rating: S & P AA+ Moody s Aa2, Fitch AA+ Tangible business growth in HNW & UHNW sectors Leveraging specialties: structured products, global asset allocation Integrated business model benefits Lower cost of capital, improved credibility with clients 2
4 Wealth Management USA vs Old PaineWebber PaineWebber January 2000 Wealth Management USA - Today Investment Bank Global AM Wealth Management Private Client Group Private Clients Mitchell Hutchins Non-US Private Clients Capital Markets Fixed Income: Mortgage- Backed Asset-Backed & Commercial Real Estate Equities Research, Sales & Trading Investment Banking Prime Brokerage In 1999, percent of PaineWebber s pre-tax profits: appr. 52% of private client businesses and appr. 48% from institutional businesses June 2003: Correspondent Services Corp. divested 3
5 New products and solutions Synergies between UBS core businesses provide new solutions to meet client needs: Enhanced products: Separately managed accounts Multi-asset portfolio management Portfolio advisory UBS Global Asset Management asset allocation models Global investment expertise and research Lending capabilities through UBS Bank USA Structured products Increased syndicate offerings Broader municipal capabilities and products Alternative investments 4
6 Wealth Management USA profile Western Central Eastern CA OR WA NV ID AZ UT MT WY CO NM ND SD NE TX KS OK MN WI IA IL MO AR MS LA NH VT NY MI PA OH IN WV KY NC TN SC AL GA FL ME MA RI CT NJ DE MD Key Figures Client relationships ~2 million Employees 1 17,351 Financial advisors 1 7,403 Invested assets (USD) 1 557bn Revenues (USD) 2 excl. acquisition costs 4.3bn States 1 5 offices States 6 10 offices States 11+ offices In addition: - Puerto Rico - Hawaii - Alaska 1 As of 1Q05 2 Rolling 12 months at 1Q05 5
7 Integrated business model Example: Investment Bank Global Asset Management Order flow / global execution Corporate finance leads UBS Bank USA portfolio mgmt. advice Structured products Syndicate Global research Executive accounts Mutual funds distribution MAPS/Access Hedge funds Management fees Wealth Management USA 6
8 Key Developments / Accomplishments 7
9 Highlights 2004 operating profit 1 highest since acquisition Invested assets USD 561bn 2, up 22% since recurring income 47% of total revenues vs. 41% in 2001 UBS Bank USA launched in 2003, deposits USD 14.9bn market share 15.6% vs. 13.8% in Financial advisor productivity at 115% of average vs. 102% in Based on the USD result excluding acquisition costs 2 As of Dec-04 3 Based on compensable production among full service firms according to a leading industry survey (includes UBS, Smith Barney, Merrill Lynch, Morgan Stanley, Wachovia, AGE Edwards) 8
10 Momentum and growth Market share 1 Productivity as % of industry average 1 (measured in terms of compensable revenues) +1.8pp +13.2pp % % Sources: company reports and a leading industry survey Based on compensable products among full service firms 9
11 P&L key performance indicators 1 Operating income (excl. acquisition costs) Performance (before tax and acquisition costs) USD m 5,000 4,000 3,000 2,000 1, ,048 3,856 3,933 4, USD m +8.5% +26.2% Cost / income ratio 89.9% 89.3% 88.7% 86.9% Numbers prior to 2003 have not been restated Average rate (CHF / USD): 2001: : : : 1.24 Spot rate (CHF / USD): 2001: : : :
12 Invested assets / recurring income 1 Invested assets Recurring income USD bn % 2,200 USD m +19.5% ,000 2, ,800 1,600 1,646 1, , , , Numbers prior to 2003 have not been restated Average rate (CHF / USD): 2001: : : : 1.24 Spot rate (CHF / USD): 2001: : : :
13 UBS Bank USA 1 One of the top 50 banks in the US 2 Assets USD 17.6bn Loans USD 7.2bn Deposits USD 14.9bn 1 Figures as of Dec-04 2 Source: American Banker April 2005 (rating based on deposits as of Dec-04) 12
14 Opportunities and Challenges 13
15 Opportunities Long term outlook for the business is strong and our strategy exploits powerful market trends Large and growing market US households financial assets (USDbn) 40,000 30,000 20,000 10,000 0 Source: Federal Reserve Bank, ICI, Annual projected rollovers into IRAs USD bn , Source: Financial Research Corporation, IRA Rollover Trends, Capitalizing on demographic trends US Population (in millions) Below to 64 years 65 and older Source: US Census Our clients need advice % Source: Advice-Seeking Behavior of U.S. HNW Households (1997 vs. 2003) VIP Forum Increase from % 53% 38% % +76% +11% Fully Dependent Opinion-Seeking Self-Directed 14
16 Challenge to deliver the wealth management model No competitor has yet executed in scale Traditional Wealth Management Model Holistic Wealth Management Model Insurance Trust Private Bank Brokerage Client Investment management Financial planning Cash flow optimization Retirement planning Liquidity / restricted stock Risk / liability management Insurance Personal and business lending Trust and estates Wealth transfers Philanthropy / charitable giving Business succession planning Proponents of [a holistic wealth management] model expect that taking a more comprehensive approach will allow them to boost revenue by capturing a greater share of their clients financial holdings 1 1 VIP Forum (9/04 Report) Source: VIP Forum research 15
![and business lending Trust and estates Wealth transfers Philanthropy / charitable giving Business succession planning Proponents of [a holistic wealth management] model expect that](/docs-images/47/23701509/images/page_16.jpg "taking a more comprehensive approach will allow them to boost revenue by capturing a greater share of their clients financial holdings 1 1 VIP Forum (9/04 Report) Source: VIP Forum")
17 Wealth Management USA How we differentiate ourselves Global presence and capabilities Excellent products & services Global platform of wealth management tools, services and solutions Sharing best practices, client successes and personnel Holistic consultative wealth management approach Integrated business model Ability to offer customized solutions Financial strength Standard & Poor s AA+, Moody s Aa2 and Fitch AA+ 1 Credibility Strong brand Increasing brand recognition: Ranked #45 2 You & Us initiative Building our brand in our communities 1 Long-term rating 2 Business Week, September 6,
18 Challenge to further improve profitability Competitors with lower cost / income ratio enjoy the benefits of greater scale Key drivers to improve profitability Increase scale Drive FA growth Increase asset base Acquisition Develop higher margin products and services Foster further integration 17
19 2005 and beyond Continued organic growth on existing business supported by new initiatives Trends Strategic responses Initiatives Blur of financial services Increasingly sophisticated client needs Pricing pressure Competition for talent Foster holistic advisory process to deliver client experience Deliver customized products and services for each client segment Leveraging UBS platform Focus on introducing higher margin banking type products and services Differentiate and demonstrate value added services Deliver robust Wealth Management platform to drive financial advisor success and growth Private Wealth Management Client Accounts / Card Program Small Business Estate Planning Retirement Initiative Municipal Initiatives 18
20 Products & services - Growth opportunities Six major initiatives currently in progress to expand our product offerings and to capitalize on market trends Private Wealth Management Client Account / Card Program Provide ultra-wealthy individuals with specialized advice and services Gain market share Relaunch of RMA account in combination with a Dual-Card Program (announcement made on April 18, 2005) Grow card business and increase share of active cards Small Business Extend the Wealth Management model and provide small business lending to our business clients Gathering NNM and grow our lending business Estate Planning Integrate life insurance into a FAs standard business practice Increase number of FAs who use life insurance Retirement Initiative Position Wealth Management USA to capture net new money from trillion dollar rollover of retirement assets Increase assets in retirement accounts Municipal Initiative Expand the Municipal Securities franchise Further expand securitization business 19
21 Investor Day 2005 Wealth Management USA New York, 13 th May 2005 Mark Sutton, Chairman & CEO You & Us
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