UBS Switzerland AG

UBS Switzerland AG is the Swiss domestic banking subsidiary of UBS, established in 2015 and headquartered in Zurich, and is wholly owned by UBS AG, which is controlled by UBS Group AG. It operates as a universal bank for the Swiss market, offering current and savings accounts, cards, payments (including SEPA and SWIFT transfers, e-bills and TWINT), mortgages and other secured lending, custody and brokerage, discretionary and advisory wealth management for onshore clients, and services for SMEs, corporates and public-sector entities such as lending, cash management, trade finance and employee benefits foundations. Distribution combines a nationwide branch and advisory network with digital channels via e-banking and the UBS mobile app. The bank is licensed and supervised by FINMA and designated as part of a Swiss systemically important banking group, subject to the Swiss too-big-to-fail regime with heightened capital and liquidity requirements, recovery and resolution planning and internal TLAC expectations. Eligible deposits are protected under the Swiss deposit insurance scheme (esisuisse) up to CHF 100,000 per client per bank, subject to statutory conditions; investments and fiduciary placements are not covered. The balance-sheet profile is typical for a Swiss universal bank, with a material residential mortgage book, SME and corporate credit exposure, interest-rate and liquidity management on the banking book, and operational and conduct risk tied to complex processes and regulation. Ongoing integration of Credit Suisse’s Swiss activities at group level is a potential source of execution, legal and cost risk and may affect branch coverage, product scope and pricing over time. Competitors include cantonal banks, Raiffeisen, PostFinance and foreign-owned banks. Account opening is available to Swiss residents and select non-residents subject to KYC/AML rules; detailed tariffs, product terms, risk disclosures and service conditions are published on the bank’s website.