<SEC-DOCUMENT>0001610520-21-000008.txt : 20210126
<SEC-HEADER>0001610520-21-000008.hdr.sgml : 20210126
<ACCEPTANCE-DATETIME>20210126064134
ACCESSION NUMBER:		0001610520-21-000008
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20201231
FILED AS OF DATE:		20210126
DATE AS OF CHANGE:		20210126

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UBS Group AG
		CENTRAL INDEX KEY:			0001610520
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36764
		FILM NUMBER:		21551672

	BUSINESS ADDRESS:	
		STREET 1:		BAHNHOFSTRASSE 45
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001
		BUSINESS PHONE:		41-44-234-1111

	MAIL ADDRESS:	
		STREET 1:		BAHNHOFSTRASSE 45
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UBS AG
		CENTRAL INDEX KEY:			0001114446
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15060
		FILM NUMBER:		21551673

	BUSINESS ADDRESS:	
		STREET 1:		BAHNHOFSTRASSE 45
		STREET 2:		P O BOX CH 8001
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH 8001
		BUSINESS PHONE:		203-719-5241

	MAIL ADDRESS:	
		STREET 1:		600 WASHINGTON BLVD.
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>6kubsgroupag4q20.htm
<TEXT>
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<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:16.0pt;layout-grid-mode:char;">UNITED STATES</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:16.0pt;layout-grid-mode:char;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Washington, D.C. 20549</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">_________________</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:22.0pt;layout-grid-mode:char;">FORM 6-K</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:13.0pt;layout-grid-mode:char;">REPORT OF FOREIGN PRIVATE ISSUER</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:13.0pt;layout-grid-mode:char;">PURSUANT TO RULE 13a-16 OR 15d-16 UNDER</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:13.0pt;layout-grid-mode:char;">THE SECURITIES EXCHANGE ACT OF 1934</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Date: January 26, 2021</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:16.5pt;layout-grid-mode:char;">UBS Group AG</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Commission File Number: 1-36764</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:16.5pt;layout-grid-mode:char;">UBS AG</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Commission File Number: 1-15060</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=DE-CH style="font-size:10.0pt;layout-grid-mode:char;">(Registrants'
Name)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=DE-CH style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=DE-CH style="font-size:11.0pt;layout-grid-mode:char;">Bahnhofstrasse
45, Zurich, Switzerland</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=DE-CH style="font-size:11.0pt;layout-grid-mode:char;">Aeschenvorstadt
1, Basel, Switzerland</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;layout-grid-mode:char;">(Address of principal executive offices)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Indicate by check mark whether the registrants file or will
file annual reports under cover of Form 20&#8209;F or Form 40-F.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>

<div style="border:solid white 1.0pt;border-bottom:double black 2.25pt;padding:0cm 0cm 0cm 0cm;">

<p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;text-align:center;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">Form 20-F&#160; </font><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:22.0pt;layout-grid-mode:char;">x&nbsp;</font><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Form 40-F&#160; </font><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:22.0pt;layout-grid-mode:char;">o&nbsp;</font></p>

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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">This Form 6-K consists of the Fourth Quarter 2020 Report of
UBS Group AG, which appears immediately following this page.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:char;">&nbsp;</font></p>









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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><img height=725 src="ubsgroupagx2x0.gif" width=732><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">&#160;&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;margin-top:36.0pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:58.0pt;">Our financial
results</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:18.0pt;">Fourth</font><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;"> </font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:18.0pt;">quarter 2020 report</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








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<p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:5.0pt;"></font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Corporate
calendar UBS Group AG</font></b></p>

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<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font style="position:relative;"><font style="height:1133px;left:489px;position:absolute;top:-6px;width:310px;">

<table cellpadding=0 cellspacing=0 border=0 style="width:100%;">
 <tr>
  <td colspan=2 style="border:none;">
<div style="padding:3.69pt 7.09pt 3.69pt 7.09pt;">
    <p style="margin:0cm;margin-bottom:114.0pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:28.35pt;">&nbsp;</font></p>
    </div></td>

 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:23.0pt;">1.</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS <br>
      Group</font></b></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">4</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#COVID19"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Our response to COVID-19</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">6</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Recent_developments"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Recent developments</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">8</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Group_performance"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Group performance</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:23.0pt;">2.</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS business divisions and <br>
      Group Functions</font></b></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">18</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Wealth_Management"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Global Wealth Management</font></a></p>
      </td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">21</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Retail_Corporate"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Personal &amp; Corporate Banking</font></a></p>
      </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=top width=21% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">24</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Global_Asset_Management"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Asset Management</font></a></p>
      </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=top width=21% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">26</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Investment_bank"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Investment Bank</font></a></p>
      </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=top width=21% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">28</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Corporate_Center"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Group Functions</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:23.0pt;">3.</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Risk, treasury and capital<br>
      management</font></b></p>
      </td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">31</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Risk_management_and_control"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Risk management and control</font></a></p>
      </td>
 </tr>
<tr style="height:11.5pt;">
  <td valign=top width=21% style="height:11.5pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">36</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.5pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Balance_sheet_narratives"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Balance sheet, liquidity and
      funding management</font></a></p>
      </td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">40</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Capital_management"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Capital management</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:23.0pt;">4.</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:6.0pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Consolidated<br>
      financial information</font></b></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">56</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Interim_ConsoFS_UBSGroupAG"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">UBS Group AG interim
      consolidated financial information (unaudited)</font></a></p>
      </td>
 </tr>
<tr style="height:12.3pt;">
  <td valign=top width=21% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">77</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Interim_ConsoFS_UBSAG"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">UBS AG interim consolidated
      financial information (unaudited)</font></a></p>
      </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">&nbsp;</td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=21% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">&nbsp;</font></b></p>
      </td>
 <td valign=top width=79% style="height:11.65pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
      </td>
 </tr>
<tr style="height:12.3pt;">
  <td valign=top width=21% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Appendix</font></b></p>
      </td>
 </tr>
<tr style="height:12.3pt;">
  <td valign=top width=21% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
      </td>
 </tr>
<tr style="height:12.3pt;">
  <td valign=top width=21% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">82</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#alternative_per_mes"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Alternative performance measures</font></a></p>
      </td>
 </tr>
<tr style="height:12.3pt;">
  <td valign=top width=21% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">85</font></b></p>
      </td>
 <td valign=top width=79% style="height:12.3pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Abbreviations"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Abbreviations frequently used in
      <br>
      our financial reports</font></a></p>
      </td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">87</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Information_sources"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Information sources </font></a></p>
      </td>
 </tr>
<tr style="height:3.0pt;">
  <td valign=top width=21% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">88</font></b></p>
      </td>
 <td valign=top width=79% style="height:3.0pt;padding:0cm 8.5pt 0cm 0cm;">
      <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Cautionary_statement_EN"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Cautionary statement</font></a></p>
      </td>
 </tr>
<tr>
  <td colspan=2 style="border:none;">

    <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:5.0pt;">&nbsp;</font></p>
    <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=TimesNewRomanPSMT lang=EN-US style="font-size:12.0pt;line-height:120%;">&nbsp;</font></p>

    </td>
 </tr>
<tr>
  <td colspan=1 style="border:none;">&nbsp;</td>
 <td>&nbsp;</td>
 </tr>
</table>

</font></font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:normal;">Publication of the Annual Report 2020:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Friday,
5 March 2021<br>
Annual General Meeting 2021:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Thursday,
8 April 2021<br>
Publication of the first quarter 2021 report:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Tuesday,
27 April 2021<br>
Publication of the second quarter 2021 report:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Tuesday, 20
July 2021<br>
Publication of the third quarter 2021 report: &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Tuesday,
26 October 2021</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Corporate
calendar UBS AG</font></b></p>

</div>


<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0pt;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Publication
of the Annual Report 2020:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Friday, 5 March 2021<br>
Publication of the first quarter 2021 report:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Friday,
30 April 2021</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:11.5pt;padding:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Contacts</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Switchboards</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">For all general inquiries <br>
</font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">ubs.com/contact&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Zurich +41-44-234 1111<br>
London +44-207-567 8000<br>
New York +1-212-821 3000<br>
Hong Kong +852-2971 8888</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Singapore +65-6495 8000</font></p>

<p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Investor Relations</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Institutional, professional and
retail<br>
investors are supported by UBS&#8217;s Investor Relations team. </font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">UBS Group AG, Investor Relations<br>
P.O. Box, CH-8098 Zurich, Switzerland</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">ubs.com/investors</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Zurich +41-44-234 4100<br>
New York +1-212-882 5734</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Media Relations</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Global media and journalists are
supported by UBS&#8217;s Media Relations team.</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=DE-CH style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">ubs.com/media</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=DE-CH style="font-size:7.5pt;line-height:8.5pt;">Zurich +41-44-234 8500<br>
mediarelations@ubs.com</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">London +44-20-7567 4714 <br>
ubs-media-relations@ubs.com</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">New York +1-212-882 5858 <br>
mediarelations@ubs.com</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=SV style="font-size:7.5pt;line-height:8.5pt;">Hong Kong +852-2971 8200<br>
sh-mediarelations-ap@ubs.com</font></p>

<b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;"><br clear=all>


</font></b><p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Office of the Group Company
Secretary</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">The Group Company Secretary receives
<br>
inquiries on compensation and related<br>
issues addressed to members of the<br>
Board of Directors.</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">UBS Group AG, Office of the Group
Company Secretary<br>
P.O. Box, CH-8098 Zurich, Switzerland</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">sh-company-secretary@ubs.com</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Zurich +41-44-235 6652</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Shareholder Services</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">UBS&#8217;s Shareholder Services team, a
unit<br>
of the Group Company Secretary&#8217;s office,<br>
is responsible for the registration of UBS Group AG registered shares. </font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">UBS Group AG, Shareholder Services<br>
P.O. Box, CH-8098 Zurich, Switzerland</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">sh-shareholder-services@ubs.com</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Zurich +41-44-235 6652</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">US Transfer Agent</font></b></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">For global registered share-related<br>
inquiries in the US.</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Computershare Trust Company NA<br>
P.O. Box 505000<br>
Louisville, KY 40233-5000, USA</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Shareholder online inquiries:<br>
</font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">www-us.computershare.com/<br>
investor/Contact</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Shareholder website:<br>
</font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">computershare.com/investor&nbsp;</font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Calls from the US <br>
+1-866-305-9566<br>
Calls from outside the US<br>
+1-781-575-2623<br>
TDD for hearing impaired<br>
+1-800-231-5469<br>
TDD for foreign shareholders<br>
+1-201-680-6610</font></p>








<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:11.5pt;padding:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Imprint</font></b></p>

</div>


<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Publisher: UBS Group AG, Zurich,
Switzerland | </font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;text-decoration:none;">ubs.com&nbsp;</font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;"><br>
Language: English </font></p>

<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">&#169; UBS 2021. The key symbol and UBS
are among the registered and unregistered trademarks of UBS. All rights
reserved.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">&nbsp;</font></p>








<p style="margin-bottom:5.65pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:24.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="UBS_Key_Figures_EN"></a><a name="RG_MARKER_117164"></a><a name="RG_MARKER_117011"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_5"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Fourth quarter
 2020 report</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:24.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Our key
figures<a name="RG_MARKER_117011_bclEnd"></a><a name="RG_MARKER_117164_bclEnd"></a><a name="UBS_Key_Figures_EN_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,117&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,935&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,052&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,390&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28,889&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,163&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,312&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,578&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;928&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,226&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,577&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted earnings per share (USD)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.46&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.56&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.79&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Profitability and growth<sup>2</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on tangible equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on common equity tier 1 capital (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.6&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on risk-weighted assets, gross (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.4&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on leverage ratio denominator, gross (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.1&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;73.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effective tax rate (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.6&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.6&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;99.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;129.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.7)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Resources<sup>2</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,765&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065,153&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972,194&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,765&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972,194&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,451&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289,101&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283,133&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;259,208&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289,101&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;259,208&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.8&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037,150&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994,366&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,322&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037,150&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,322&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (with temporary FINMA exemption)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;944,323&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;907,181&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;944,323&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.85&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.84&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.90&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.85&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.90&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%) (with temporary FINMA
  exemption)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.23&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.21&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.23&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%) (with temporary FINMA
  exemption)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity leverage ratio (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Liquidity coverage ratio (%)<sup>6</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;152&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;154&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;152&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets (USD billion)<sup>7</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,187&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,807&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,607&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,187&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,607&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personnel (full-time equivalents)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;71,551&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;71,230&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68,601&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;71,551&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68,601&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market capitalization<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,013&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,113&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,661&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,013&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,661&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total book value per share (USD)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.76&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.57&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.07&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.76&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.07&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total book value per share (CHF)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.84&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.27&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.59&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.84&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.59&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tangible book value per share (USD)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.93&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.78&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.28&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.93&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.28&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.2pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tangible book value per share (CHF)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.22&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.61&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.86&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.22&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.2pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.86&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:34.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:34.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1&nbsp;Refer to &#8220;Earnings per share (EPS) and shares
  outstanding&#8221; in the &#8220;Consolidated financial information&#8221; section of this
  report for more information.&#160;&#160;&#160; 2&nbsp;Refer to the &#8220;Performance targets and
  measurement&#8221; section of our Annual Report 2019 for more information about our
  performance targets.&#160;&#160;&#160; 3&nbsp;The leverage ratio denominators used for the
  return calculations relating to the respective periods in 2020 do not reflect
  the effects of the temporary exemption that has been granted by FINMA in
  connection with COVID-19. Refer to the &#8220;Recent developments&#8221; section of our
  second quarter 2020 report for more information.&#160;&#160;&#160; 4&nbsp;Based on the Swiss
  systemically relevant bank framework as of 1&nbsp;January 2020. Refer to the
  &#8220;Capital management&#8221; section of this report for more information.&#160;&#160;&#160;
  5&nbsp;Refer to the &#8220;Recent developments&#8221; section of our second quarter 2020
  report and the &#8220;Capital management&#8221; section of this report for further
  details about the temporary FINMA exemption.&#160;&#160;&#160; 6&nbsp;Refer to the &#8220;Balance
  sheet, liquidity and funding management&#8221; section of this report for more
  information.&#160;&#160;&#160; 7&nbsp;Includes invested assets for Global Wealth Management,
  Asset Management and Personal &amp; Corporate Banking.&#160;&#160;&#160;
  8&nbsp;Refer&nbsp;to &#8220;UBS shares&#8221; in the &#8220;Capital management&#8221; section of this
  report for more information.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:4.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr style="height:120.2pt;page-break-inside:avoid;">
  <td valign=top width=100% style="border-bottom:none;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.0pt;height:120.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">
  <p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;padding:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Alternative performance measures</font></b></p>
  </div>

  <p style="margin:0cm;margin-bottom:.0001pt;margin-top:6.0pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">An
  alternative performance measure (an APM) is a financial measure of historical
  or future financial performance, financial position or cash flows other than
  a financial measure defined or specified in the applicable recognized
  accounting standards or in other applicable regulations. We report a number
  of APMs in the discussion of the financial and operating performance of the
  Group, our business divisions and our Group Functions. We use APMs to provide
  a more complete picture of our operating performance and to reflect
  management&#8217;s view of the
  fundamental drivers of our business results. A definition of each APM, the
  method used to calculate it and the information content are presented under &#8220;Alternative
  performance measures&#8221; in the appendix to this report. Our APMs may qualify as
  non-GAAP measures as defined by US Securities and Exchange Commission (SEC)
  regulations. </font></p>
  <p style="margin:0cm;margin-bottom:.0001pt;margin-top:6.0pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">.</font></p>
  </td>
 </tr>
</table></div>


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<p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">Management
report</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

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<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=white face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=white face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=white face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></b></p>

<p style="margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:13.0pt;">Terms
used in this report, unless the context requires otherwise</font></b></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr style="height:1.0cm;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:1.0cm;padding:2.85pt 0cm 0cm 0cm;">
  <p align=left style="margin:0cm;margin-bottom:.0001pt;text-align:left;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS,&#8221;
  &#8220;UBS Group,&#8221; &#8220;UBS Group AG consolidated,&#8221; &#8220;Group,&#8221; &#8220;the Group,&#8221; &#8220;we,&#8221; &#8220;us&#8221;
  and &#8220;our&#8221;</font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:1.0cm;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Group AG and its consolidated subsidiaries</font></p>
  </td>
 </tr>
<tr style="height:17.0pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS AG consolidated&#8221; </font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS AG and its consolidated
  subsidiaries</font></p>
  </td>
 </tr>
<tr style="height:17.0pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS Group AG&#8221; and &#8220;UBS Group AG
  standalone&#8221; </font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Group AG on a standalone basis</font></p>
  </td>
 </tr>
<tr style="height:17.0pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS AG&#8221; and &#8220;UBS AG standalone&#8221; </font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS AG on a standalone basis</font></p>
  </td>
 </tr>
<tr style="height:17.0pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS Switzerland AG&#8221; and &#8220;UBS Switzerland AG
  standalone&#8221;</font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Switzerland AG on a standalone
  basis</font></p>
  </td>
 </tr>
<tr style="height:17.0pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS Europe SE consolidated&#8221; </font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:17.0pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Europe SE and its consolidated
  subsidiaries</font></p>
  </td>
 </tr>
<tr style="height:28.15pt;page-break-inside:avoid;">
  <td valign=top width=52% style="background:#BEBEBE;border:none;border-right:solid white 1.5pt;height:28.15pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS Americas Holding LLC&#8221; and </font></p>
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;UBS Americas Holding LLC
  consolidated&#8221;</font></p>
  </td>
 <td valign=top width=48% style="background:#E6E6E6;border:none;height:28.15pt;padding:2.85pt 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Americas Holding LLC and its consolidated
  subsidiaries</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:14.0pt;line-height:16.0pt;">&nbsp;</font></p>










<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name=COVID19></a><a name="RG_MARKER_117165"></a></p>
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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Our response to
 COVID-19</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Our response
to <a name="RG_MARKER_117165_bclEnd"></a>COVID-19<a name="COVID19_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The COVID-19 pandemic caused an
unprecedented situation for UBS and its employees in 2020. It has required our
ongoing focus on safeguarding the well-being of our employees and their
families, serving our clients and ensuring operational continuity. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In response to the pandemic, governments have
taken measures to severely constrain movement, limiting public gatherings,
requiring working from home where possible, and closing down or restricting
non-essential retail and business activity. These measures resulted in a
significantly adverse effect on global economic activity and the most severe
downturn in global GDP since World War II, followed by an uneven rebound in
economic activity. </font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Governmental measures to support the
economy</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Governments and central banks offered
and continue to offer significant fiscal and monetary support intended to help
firms and employees to remain solvent through the COVID-19 pandemic, while
financial services firms were provided with exceptional access to liquidity in
the first phase of the pandemic. In addition, a number of regulatory and
supervisory measures have been temporarily introduced, seeking to provide banks
with increased flexibility in deploying capital and liquidity resources to
support economies. </font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Regulatory and legal developments&#8221; sections of this report and our first,
second and third quarter 2020 reports for more information about the
developments in 2020</font></b></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our support for clients and the
economies in which we operate</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Throughout 2020, we actively engaged
in lending activities across our businesses to support our clients and the real
economy. As the pandemic intensified and market liquidity became limited, we
experienced higher drawdowns on committed credit facilities by corporate
clients in the Investment Bank and in Personal &amp; Corporate Banking. </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk62116944"></a><a name="_Hlk51948622"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The program established by the Swiss Federal Council in March 2020
to support small and medium-sized entities (SMEs) by granting loans closed on
31&nbsp;July 2020. As of that date, we had committed
CHF&nbsp;2.7 billion of loans up to CHF&nbsp;0.5&nbsp;million, which are 100%
guaranteed by the Swiss government, and CHF&nbsp;0.6 billion of loans between
CHF&nbsp;0.5&nbsp;million and CHF&nbsp;20 million, which are 85%
government-guaranteed. The total amount drawn on our loan commitments under the
program was CHF&nbsp;1.8 billion on 31&nbsp;December 2020. We intend to donate
any potential profits from this program to COVID-19 relief efforts, although no
such profits were made in 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk62117089"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the US, we are
supporting the lending programs created under the CARES Act for small
businesses. Working with a partner, we made up to USD&nbsp;2 billion available under
the Paycheck Protection Program during 2020 and provided loans under the
program in the amount of USD&nbsp;656 million as of 31&nbsp;December 2020. We
donated around USD&nbsp;2 million of fees earned on such loans in 2020 to
COVID-19 relief efforts. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our previous investments in technology enabled
us to maintain facilitated connectivity within and across our businesses and
support functions. Leveraging existing and newly integrated tools, this
resulted in new ways of digitally interacting with clients. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Across our business divisions, we continued
to support our clients with advice needed to manage their assets, along with
investment solutions and global insights to help them navigate the significant
market volatility and uncertain economic outlook. Our dynamic risk management
enabled our business and our clients to successfully navigate the volatile
market conditions. </font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our support for communities</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="_Hlk62117414"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Recognizing
the strain and hardship the current situation is causing across our
communities, we have committed USD&nbsp;30 million to various COVID-related aid
projects that provide support across the communities in which we operate.&nbsp;A
part of this amount is used to match the USD&nbsp;15 million raised by our
clients and our employees for the UBS Optimus Foundation&#8217;s COVID-19 Response
Fund, which supports various organizations, including healthcare organizations that
facilitate testing and increase capacity for emergency treatments.</font><i><font color=#4472C4 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> &nbsp;</font></i></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">4</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our support for employees</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our employees&#8217; response to the
pandemic has been remarkable; they have demonstrated resilience, dedication and
client focus through an unrelenting year. More than 95% of internal and
external staff are able to work concurrently on a remote basis and our employees
have been working from home to a significant degree since the first quarter. We
continue to monitor country- and location-specific developments, as well as
governmental requirements, and adapt our plans for the return of employees to
our offices accordingly, prioritizing the health of our employees and clients.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Recognizing the additional pressure placed on
employees by shuttered workplaces and schools, restricted activities and
varying degrees of lockdown, we introduced a range of measures throughout 2020
to help employees adapt. For example, we offered extra flexibility to care for
children and introduced a variety of tools and resources to support employees&#8217;
physical, mental, financial and social well-being.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As a sign of appreciation for their contribution
throughout this challenging year, and acknowledging that the pandemic may have
resulted in unforeseen expenses, the Group Executive Board awarded UBS&#8217;s
employees at less senior ranks a one-time cash payment equivalent to one week&#8217;s
salary.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the third quarter of 2020, we modified the
forfeiture conditions of certain outstanding deferred compensation awards for
eligible employees in order to provide additional career flexibility during
this time of uncertainty. Outstanding deferred compensation awards granted to
Group Executive Board members, those granted under the Long-Term Incentive
Plan, as well as those granted to financial advisors in the US, are not
affected by these changes.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operational
resilience</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">With the bulk of our workforce
working outside of our offices since late March 2020, we face new challenges
and operational risks, including maintenance of supervisory and surveillance
controls, as well as increased fraud and data security risks. The existing
resilience built into our operations and the effectiveness of our business
continuity management and operational risk procedures have been critical in
handling the ongoing pandemic and circumstances related to it, and have enabled
us to continue to serve our stakeholders without material negative impact. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As a result of our prior investments in
infrastructure and execution of our established business continuity management
frameworks, we have managed the record transaction volumes experienced in March
2020 along with extreme spikes in volatility and limited liquidity in some
markets without material disruption in our service to clients.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Operational risk&#8221; in the &#8220;Risk management and control&#8221; section of this
report for more information about operational risk </font></b></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Effects of the COVID-19 pandemic on our
financial and capital position</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Despite the uncertainties caused by
the pandemic, the negative effects of the COVID-related crisis on our financial
and capital positions were limited in 2020.<a name="_Hlk62059293"></a> </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Although we experienced an increase in credit
loss expenses under IFRS 9 in 2020, we maintained a strong capital and
liquidity position in the face of the adverse economic developments, the sharp
decline in market valuations and the increased levels of volatility.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the fourth quarter of 2020, credit loss
expenses were at lower levels than those seen in prior quarters of 2020. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Overall, we expect elevated credit loss
expenses to persist for at least as long as the COVID-19 containment measures
continue, although at levels lower than in the first half of 2020. Due to the
credit quality of our portfolio, we remain confident in our ability to maintain
our overall strength and stability and to continue to support our clients. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="_Hlk44858652"></a><a name="Recent_developments"></a><a name="RG_MARKER_117166"></a></p>
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<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Recent developments<a name="Recent_developments_bclEnd"></a><a name="RG_MARKER_117166_bclEnd"></a></font></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="_Hlk44858793"></a><a name="_Toc12372051"></a><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Regulatory and legal developments</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Swiss
COVID-19 loans</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In March 2020, the Swiss Federal
Council adopted provisional emergency legislation to provide Swiss companies
with liquidity, which gave small and medium-sized entities (SMEs) access to government-guaranteed
bank credit facilities. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In December 2020, the Swiss Parliament
approved the COVID-19 Joint and Several Guarantee Act, which became effective
on 19&nbsp;December 2020. This Act codified the measures adopted under
emergency legislation into ordinary law and provides for regulation of the loan
programs and guarantees over their life cycle. The new Act extends the standard
amortization period of loans from five to eight years.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk52555112"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">US CCAR and EU
capital distributions</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In December 2020, the
Federal Reserve released the results of its second Comprehensive Capital
Analysis and Review (CCAR) of 2020. UBS Americas Holding LLC&#8217;s projected stress
capital ratios exceeded regulatory capital minima under the updated supervisory
scenarios.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Federal Reserve also maintained its
limitations on capital distributions by supervised firms largely unchanged
through the fourth quarter of 2020. As a result, UBS Americas Holding LLC could
not distribute cash dividends on common equity in excess of the firm&#8217;s average
net income over the four preceding quarters. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">After having extended its recommendation in
July 2020 for banks to refrain from making capital distributions and carrying
out share repurchases until 1&nbsp;January 2021, the European Central Bank (the
ECB) announced in December 2020 that EU banks under its supervision, including
UBS Europe SE, should exercise extreme prudence with regard to dividends and
share repurchases from 1&nbsp;January until 30&nbsp;September 2021.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Swiss Withholding Tax Act</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Based on the results of a consultation
that addressed amendments to the Withholding Tax Act, the Swiss Federal Council
proposed in September 2020 to maintain the withholding tax on interest carried
on bank accounts by natural persons with tax domicile in Switzerland and to
abolish the tax on all other interest payments. As the next step, the Federal
Council will submit a dispatch to Parliament in the second quarter of 2021.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Furthermore, the
Swiss Federal Council proposed to extend the current withholding tax exemption
for <a name="_Hlk59695579"></a>total loss-absorbing capacity and additional tier 1 instruments
from 2021 until the end of 2026. This extension
will be subject to parliamentary debate in 2021.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Climate-related
risks; Environmental, Social and Governance (ESG) matters</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We actively participate in discussions
on corporate responsibility and sustainability issues with authorities and
policymakers and contribute our experience and knowledge to their efforts to define
corresponding regulatory and reporting frameworks.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In September 2020, the International
Financial Reporting Standards Foundation (the IFRS Foundation) issued a
consultation to assess the demand for global sustainability reporting standards
and the contribution the IFRS Foundation itself could make in developing such
standards, including the possibility of establishing a new Sustainability
Standards Board. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In November 2020, the Swiss Financial Market
Supervisory Authority (FINMA) launched a consultation on new climate-related
financial disclosure requirements, based on the recommendations of the
Financial Stability Board (FSB) Task Force on Climate-related Financial
Disclosures (the TCFD). The requirements include principles-based elements on
governance, strategy, risk management and quantitative information on
climate-related financial risks and apply to Swiss systemically relevant banks,
including UBS. The new circular is expected to become applicable for the 2021 reporting
year.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In January 2021, the Swiss government officially
expressed support for the TCFD. Since the launch of the TCFD recommendations in
2017, we have continuously improved and expanded our climate-related
disclosures to demonstrate our active engagement for an orderly transition to a
low-carbon economy. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In December 2020, the US Federal Reserve
joined the Network of Central Banks and Supervisors for Greening the Financial
System (the NGFS), which advocates for a more sustainable financial system. As
a result, <a name="_Hlk61286622"></a>all global systemically important banks
(G-SIBs) are now supervised by members of the NGFS. Furthermore, the
Federal Reserve has indicated that it will work closely with other agencies and
authorities, including the Basel Committee on Banking Supervision (BCBS) Task
Force on Climate-related Financial Risks and the FSB, to better understand,
measure and mitigate climate-related financial risks. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NSFR implementation </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In September 2020, the Swiss Federal
Council adopted an amendment to the Liquidity Ordinance for the implementation
of the net stable funding ratio (the NSFR). The NSFR regulation was finalized
in the fourth quarter of 2020 with the release of the revised FINMA liquidity
circular. The NSFR will become effective on 1&nbsp;July 2021 and UBS is on
schedule to operationalize it. The overall effect of the NSFR on UBS upon
implementation is expected to be limited.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In October 2020, the US banking regulators
finalized the NSFR rule for supervised firms to ensure a minimum level of
stable funding. The rule becomes effective as of 1&nbsp;July 2021 and will
require semi-annual disclosure from 1&nbsp;January 2023. As a Category III firm
under the Federal Reserve&#8217;s Tailoring Rule (2019), UBS&#8217;s intermediate holding
company, UBS Americas Holding LLC, and its subsidiary bank, UBS Bank USA, will
be subject to a NSFR requirement of 85%.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">6</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Brexit</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="_Hlk61352085"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Following the UK&#8217;s withdrawal from the EU on 31&nbsp;January 2020,
the negotiation on the Trade and Cooperation Agreement, which governs the
relationship between the EU and the UK on free trade in goods and mutual market
access, among other matters, was finalized on 24&nbsp;December 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In September
2020, the European Commission adopted a temporary equivalence decision for UK
central counterparties (CCPs) for the purpose of facilitating derivatives
clearing. The temporary equivalence decision, applicable from 1&nbsp;January
2021 until 30&nbsp;June 2022, does not require UBS Europe SE to migrate its
exposures to an EU CCP before the end of the transition period.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In March 2019, UBS completed a business
transfer and cross-border merger of UBS Limited and UBS Europe SE in order to continue
serving EEA clients following the end of the transition period and continues to
align its Investment Bank activities to respond to ongoing regulatory guidance.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61853994"></a><a name="_Hlk61375293"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Developments related to the transition away from LIBOR</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The UK Prudential Regulation
Authority (the PRA) and the Financial Conduct Authority (the FCA) have
confirmed the end-of-2021 deadline for transitioning away from the London inter-bank
offered rate (LIBOR) for most currencies. The ICE Benchmark Administration
(IBA), the FCA-regulated and authorized administrator of LIBOR, is consulting
on the timing of the cessation of USD LIBOR. IBA expects that one-week and
two-month USD LIBOR settings will cease by the end of 2021, and that the
remaining USD LIBOR settings will cease by the end of June 2023. The UK
Government announced that the FCA will be given additional powers to ensure a smooth
wind-down of LIBOR and deal with certain legacy contracts that cannot easily
transition from LIBOR. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk62165462"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In October 2020, <a name="_Hlk62165344"></a>the International Swaps and Derivatives
Association (ISDA) launched the IBOR Fallbacks Supplement and IBOR Fallbacks Protocol, amending the ISDA standard definitions
for interest-rate derivatives to incorporate fallbacks for derivatives linked
to certain inter-bank offered rates (IBORs). The
changes came into effect on 25&nbsp;January 2021 and, from that date, all new
cleared and non-cleared derivatives between adhering parties that reference the
definitions now include these fallbacks. UBS has adhered to the protocol.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Other developments </font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61551059"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Sale of wealth
management business in Austria</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In our continuing effort to focus on
our core markets in Europe, we
signed an agreement in December 2020 to sell our domestic wealth
management business in <a name="_Hlk61467659"></a>Austria to LGT. The agreement
includes the transition of employees, client relationships, products and
services of the wealth management business of UBS Austria.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The transaction is subject to customary
closing conditions and is expected to close in the third quarter of 2021. We
expect to record a pre-tax gain of approximately USD&nbsp;0.1 <a name="_Hlk61504081"></a>billion upon closing of the transaction.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our asset management business in Austria is
not part of this transaction.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Capital returns</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The second tranche of the 2019
dividend (USD&nbsp;0.365 per share) was paid on 27&nbsp;November 2020 following
shareholder approval at an extraordinary general meeting on 19 November 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61539552"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">For 2020, the Board of
Directors intends to propose a dividend to UBS Group AG shareholders of USD
0.37 per share. Subject to approval by shareholders at the Annual General Meeting
scheduled for 8 April 2021, the dividend will be paid on 15 April 2021 to shareholders
of record on 14 April 2021. The ex-dividend date
will be 13 April 2021. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The balance between cash dividends and share
repurchases has been adjusted from 2020 onward, with a greater weight toward
share repurchases as compared with prior years&#8217; returns. We remain committed to
returning excess capital to our shareholders and delivering total capital
returns consistent with our previous levels.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Before COVID-related restrictions on share
repurchases were introduced, we repurchased CHF&nbsp;350 million (USD&nbsp;364
million) of our shares in the first quarter of 2020. During the fourth quarter
of 2020, we also increased our capital reserve for
future share repurchases from USD 1.5 billion to USD&nbsp;2.0 billion. We will
resume repurchasing shares shortly after the publication of our fourth quarter
2020 report.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the first quarter of 2021, we intend to
repurchase the remaining CHF&nbsp;100 million of the existing three-year share
repurchase program, while launching a new three-year program of up to
CHF&nbsp;4 billion, of which up to USD&nbsp;1 billion is to be executed in the
first quarter of 2021.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Capital management&#8221; section of this report for more information</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Change of Group Chief Executive Officer</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Ralph A.</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:4.0pt;line-height:11.5pt;">&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">J.</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:4.0pt;line-height:11.5pt;">&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">G. Hamers
succeeded Sergio P. Ermotti as Group CEO effective 1 November 2020. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Changes to the Board of Directors</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The UBS Board of Directors announced
that Beatrice Weder di Mauro has decided not to stand for re-election to the
Board of Directors of UBS Group AG and UBS&nbsp;AG. The Board of Directors also
announced that it intends to nominate Claudia B&#246;ckstiegel and Patrick Firmenich
for election to the Board at the Annual General Meeting of shareholders.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Group_performance"></a><a name="RG_MARKER_117167"></a><a name="RG_MARKER_117029"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">7</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_11"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Group performance </font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Group performance<a name="Group_performance_bclEnd"></a><a name="RG_MARKER_117029_bclEnd"></a><a name="RG_MARKER_117167_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=23% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,622&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,517&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,262&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,862&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other net income from financial instruments measured at fair
  value through profit or loss</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,453&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,769&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,381&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,960&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,842&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(89)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(26)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;765&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(694)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(78)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fee and commission income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,543&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,211&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,856&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20,961&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,110&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fee and commission expense</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(459)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(440)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(458)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,775)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,696)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net fee and commission income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,084&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,771&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,398&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,186&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,413&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;967&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(97)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,076&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;212&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,117&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,935&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,052&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,390&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28,889&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personnel expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,989&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,631&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,902&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,224&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,084&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">General and administrative expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,444&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,173&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,618&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,813&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,288&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Depreciation and impairment of property, equipment and software</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;617&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;538&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;480&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,069&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,765&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Amortization and impairment of goodwill and intangible assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;175&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,163&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,312&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,578&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;928&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;122&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,226&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,577&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tax expense / (benefit) </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;341&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;485&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;200&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(30)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,583&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,267&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,717&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,094&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;727&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,644&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,310&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to non-controlling interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;52&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)
  attributable to shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;137&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,799&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,180&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,567)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,384&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,091&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income attributable to non-controlling
  interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;299&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;175&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income
  attributable to shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,773&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,173&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,577)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,348&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,089&nbsp;</font></p>
  </td>
 </tr>
</table></div>






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<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
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  <td colspan=8 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Performance of our business divisions and Group Functions<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td colspan=6 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended 31.12.20</font></b></p>
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 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></b></p>
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 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></b></p>
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 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,277&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;992&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;774&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,011&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,117&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: valuation gain on
  auction rate securities</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,341&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;640&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;372&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,482&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;225&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: impairment of
  internally generated software<sup>2</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;936&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;401&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;529&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(161)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=top width=50% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended 30.9.20</font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,280&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;931&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,162&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,485&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,935&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net gain from the
  sale of a majority stake in Fondcenter AG</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;631&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain on the sale
  of intellectual property rights</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net gains from
  properties sold or held for sale</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain related to
  investment in associates</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain on the sale
  of equity investment measured at fair value through profit or loss</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,223&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;596&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;423&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,853&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;262&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: acceleration of
  expenses in relation to outstanding deferred compensation awards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;229&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;359&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: expenses
  associated with terminated real estate leases</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,057&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;739&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;632&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(184)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,578&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=50% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended 31.12.19</font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,150&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;881&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;551&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,681&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(211)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,052&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net gains /
  (losses) from properties held for sale</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,384&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,703&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;95&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: impairment of
  goodwill</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net restructuring
  expenses<sup>3</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;146&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;766&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;310&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;180&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(306)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;928&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The components of operating income and operating expenses disclosed
  in this table are items that are not recurring or necessarily representative
  of the underlying business performance for the reporting period specified.&#160;&#160;&#160;
  2 Relates to impairment of internally generated software resulting from a
  decision in the fourth quarter of 2020 to not proceed with an internal
  business transfer from UBS Switzerland AG to UBS AG.&#160;&#160;&#160; 3&nbsp;Includes
  restructuring expenses related to legacy cost programs.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"></font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">9</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_13"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Group performance </font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=8 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Performance of our business divisions and Group Functions<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended 31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,045&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,651&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,974&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,214&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(494)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,390&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net gain from the
  sale of a majority stake in Fondcenter AG</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;631&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain on the sale
  of intellectual property rights</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net gains from
  properties sold or held for sale</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: valuation gain on
  auction rate securities</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain related to
  investment in associates</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: gain on the sale
  of equity investment measured at fair value through profit or loss</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,955&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,392&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,519&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,732&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;567&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,163&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: acceleration of
  expenses in relation to outstanding deferred compensation awards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;229&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;359&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: expenses
  associated with terminated real estate leases</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: impairment of
  internally generated software<sup>2</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net restructuring
  expenses<sup>3</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax </font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,091&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,259&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,455&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,482&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,060)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,226&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td valign=top width=50% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended 31.12.19</font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,353&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,715&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,938&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,269&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(385)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28,889&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net foreign
  currency translations losses<sup>4</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net losses from
  properties held for sale</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses </font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,955&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,274&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,406&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,485&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,312&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: impairment of
  goodwill</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net restructuring
  expenses<sup>3</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;168&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;284&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=50% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax </font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,397&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,441&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;532&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;784&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(577)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,577&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The components of operating income and operating expenses
  disclosed in this table are items that are not recurring or necessarily
  representative of the underlying business performance for the reporting
  period specified.&#160;&#160;&#160; 2 Relates to impairment of internally generated software
  resulting from a decision in the fourth quarter of 2020 to not proceed with
  an internal business transfer from UBS Switzerland AG to UBS AG.&#160;&#160;&#160;
  3&nbsp;Reflects expenses for new restructuring initiatives. Prior-year
  comparative figures also include restructuring expenses related to legacy
  cost programs.&#160;&#160;&#160; 4 Related to the disposal or closure of foreign
  operations.&#160;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>










<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">Results: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;1,129
million, or 122%, to USD&nbsp;2,057 million, mainly reflecting higher operating
income. Operating income increased by USD&nbsp;1,065 million, or 15%, to USD&nbsp;8,117
million, mainly reflecting a USD&nbsp;686 million increase in net fee and
commission income and USD&nbsp;433 million higher net interest income and other
net income from financial instruments measured at fair value through profit or
loss. This <br clear=all>
was partly offset by a USD&nbsp;58 million increase in credit loss expense. Operating
expenses decreased by USD&nbsp;64 million, or 1%, to USD&nbsp;6,060 million, mainly
reflecting a USD&nbsp;174 million decrease in general and administrative expenses
and USD&nbsp;115 million lower amortization and impairment of goodwill and
intangible assets, partly offset by a USD&nbsp;137 million increase in depreciation
and impairment of property, equipment and software and an USD&nbsp;87 million increase
in personnel expenses. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">10</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_14"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating income: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating income increased by USD&nbsp;1,065
million, or 15%, to USD&nbsp;8,117 million.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61372925"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net interest
income and other net income from financial instruments measured at fair value
through profit or loss</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Total
combined net interest income and other net income from financial instruments
measured at fair value through profit or loss increased by USD&nbsp;433 million
to USD&nbsp;3,075 million, mainly driven by Group Functions and the Investment
Bank.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk53065396"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Group Functions increased by USD&nbsp;220 million, from negative USD&nbsp;137
million to USD&nbsp;83 million. <a name="_Hlk61375911"></a>This was mainly driven by a USD&nbsp;134
million valuation gain on auction rate securities in Non-core and Legacy
Portfolio, as well as higher income from accounting asymmetries, including
hedge accounting ineffectiveness, in Group Treasury.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">The Investment
Bank increased by USD&nbsp;218 million to USD&nbsp;1,167 million, mainly driven
by the Derivatives &amp; Solutions business, reflecting higher client activity levels
and a constructive market environment across equity derivatives and credit products.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net fee and
commission income</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net fee and commission income was USD&nbsp;5,084
million, compared with USD&nbsp;4,398 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Investment fund fees increased by USD&nbsp;187
million, driven by Asset Management. This was largely due to an increase in
performance-based fee income, mainly driven by the Hedge Fund Businesses,
reflecting both strong investment performance in a constructive market
environment and annual performance fee recognition for certain products. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net brokerage fees increased by USD&nbsp;168
million to USD&nbsp;888 million, reflecting higher levels of client activity in
Global Wealth Management and the Investment Bank. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Fees for portfolio management and related services increased by USD&nbsp;167
million, driven by Global Wealth Management, reflecting the effect of higher average
invested assets, partly offset by lower margins, mainly due to flows into lower-margin
funds and mandates. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Underwriting fees increased by USD&nbsp;139
million to USD&nbsp;333 million, mainly driven by higher equity underwriting
revenues from public offerings.
</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="_Hlk45835286"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">11</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_15"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Group performance </font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit loss expense / release</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total net credit loss
expenses were USD&nbsp;66 million in the fourth quarter of 2020, compared with USD&nbsp;8
million in the prior-year quarter, reflecting a USD&nbsp;33 million release of credit
losses related to stage 1 and 2 positions and USD&nbsp;99 million of credit
loss expenses related to credit-impaired (stage 3) positions. Total credit loss
expenses included USD&nbsp;64 million in the Investment Bank related to an
exposure to a client in the travel sector that became impaired during the quarter.
</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total net credit loss expenses were USD&nbsp;89
million in the third quarter of 2020, which included stage 3 credit loss
expenses of USD&nbsp;59 million in Personal &amp; Corporate Banking related to
a case of fraud at a commodity trade finance counterparty.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">For the year ended 31 December 2020, total
net credit loss expenses were USD&nbsp;694 million, compared with USD&nbsp;78
million in the prior year, reflecting net expenses of USD&nbsp;266 million related
to stage 1 and 2 positions and net expenses of USD&nbsp;429 million related to
credit-impaired (stage 3) positions.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Expected credit loss measurement&#8221; in the &#8220;Consolidated financial
information&#8221; section of this report for more information about credit loss
expense / release</font></b></p>






<font lang=DE-CH><br clear=all>

</font>








<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Credit loss (expense) / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Wealth </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended 31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(108)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(99)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(91)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended
  30.9.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(71)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(81)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(89)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended
  31.12.19</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td colspan=7 valign=top width=100% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:28.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Wealth </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended
  31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(48)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(129)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(88)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(266)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(128)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(217)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(429)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(88)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(257)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(305)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(694)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended 31.12.19</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(23)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(44)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(26)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(100)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(30)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(78)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td colspan=7 valign=top width=100% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=23% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personnel expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,989&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,631&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,902&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,224&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,084&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: salaries and
  variable compensation</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,247&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,948&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,225&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(24)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,452&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,520&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: financial advisor
  compensation<sup>1</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,077&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;980&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,049&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,091&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,043&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: other personnel
  expenses<sup>2</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;665&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;704&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;628&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,680&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,521&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">General and administrative expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,444&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,173&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,618&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,813&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,288&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net expenses for
  litigation, regulatory and similar matters</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;165&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: other general and
  administrative expenses</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,367&nbsp;</font></i></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,132&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,513&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,688&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,122&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Depreciation and impairment of property, equipment and software</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;617&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;538&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;480&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,069&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,765&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Amortization and impairment of goodwill and intangible assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;175&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,163&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,312&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:31.5pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1&nbsp;Financial advisor compensation consists of grid-based
  compensation based directly on compensable revenues generated by financial
  advisors and supplemental compensation calculated on the basis of financial
  advisor productivity, firm tenure, assets and other variables. It also
  includes expenses related to compensation commitments with financial advisors
  entered into at the time of recruitment that are subject to vesting
  requirements.&#160;&#160;&#160; 2&nbsp;Consists of expenses related to contractors, social
  security, pension and other post-employment benefit plans, and other
  personnel expenses.</font></p>
  </td>
 </tr>
</table></div>










<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating
expenses: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses decreased by USD&nbsp;64
million, or 1%, to USD&nbsp;6,060 million. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61466948"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Personnel
expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Personnel
expenses increased by USD&nbsp;87 million to USD&nbsp;3,989 million. </font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Salary costs increased due to a rebalancing from variable
to fixed compensation for certain employees, as well as foreign currency
translation effects. In addition, financial advisor compensation in Global
Wealth Management increased, reflecting higher compensable revenues in the
Americas. These effects were mostly offset by lower expenses for variable
compensation, largely reflecting the aforementioned rebalancing, as well as a
decrease in severance-related expenses and lower amortization expenses for
deferred compensation awards following the modification of conditions for
continued vesting of certain outstanding awards in the third
quarter&nbsp;of&nbsp;2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">In the fourth
quarter of 2020, we awarded employees at less senior ranks a one-time cash
payment equivalent to one week&#8217;s salary in appreciation for their contribution
throughout this challenging year, and acknowledging that the COVID-19 pandemic
has resulted in unforeseen expenses for many of our staff. These awards
increased personnel expenses by USD&nbsp;27&nbsp;million.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">General and administrative expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">General and administrative expenses decreased
by USD&nbsp;174 million to USD&nbsp;1,444 million. This was mainly driven by lower
professional fees, as well as decreased travel and entertainment expenses, reflecting
COVID-19-related restrictions. The fourth quarter of 2020 included an expense
for the UK bank levy of USD&nbsp;38 million, compared with an expense of USD&nbsp;61
million in the fourth quarter of 2019.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">We believe that
the industry continues to operate in an environment in which expenses
associated with litigation, regulatory and similar matters will remain elevated
for the foreseeable future and we continue to be exposed to a number of
significant claims and regulatory matters. The outcome of many of these
matters, the timing of a resolution, and the potential effects of resolutions
on our future business, financial results or financial condition are extremely
difficult to predict.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><a name="_Hlk60854210"></a><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp;
&nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer to &#8220;Provisions and contingent liabilities&#8221;
in the &#8220;Consolidated financial information&#8221; section of this report and to the
&#8220;Regulatory and legal developments&#8221; and &#8220;Risk factors&#8221; sections of our Annual
Report 2019 for more information about litigation, regulatory and similar
matters</font></b></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="_Hlk61605297"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Depreciation, amortization and impairment</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Depreciation and impairment of
property, equipment and software increased by USD&nbsp;137 million to USD&nbsp;617
million, mainly driven by internally generated software, including a USD&nbsp;67
million impairment as a result of a decision to not proceed with an internal
business transfer from UBS Switzerland AG to UBS AG. In addition, expenses
related to real estate increased. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Amortization and impairment of goodwill and
intangible assets decreased by USD&nbsp;115 million to USD&nbsp;10 million, as
the fourth quarter of 2019 included a USD&nbsp;110 million impairment of
goodwill in the Investment Bank.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Tax: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="_Hlk53144228"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We recognized income tax expenses of USD&nbsp;341 million for the
fourth quarter of 2020, representing an effective tax rate of 16.6%, compared
with USD&nbsp;200 million for the fourth quarter of 2019, which represented an
effective tax rate of 21.6%.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Current tax expenses were USD&nbsp;317 million,
compared with USD&nbsp;183 million, and related to taxable profits of UBS
Switzerland AG and other entities.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Deferred tax expenses were USD&nbsp;24
million, compared with USD&nbsp;17 million. Expenses of USD&nbsp;168 million
primarily relating to amortization of deferred tax assets previously recognized
in relation to tax losses carried forward and deductible temporary differences
of UBS Americas Inc. were mostly offset by a net benefit of USD&nbsp;144
million in respect of the remeasurement of deferred tax assets for certain entities
in connection with our business planning process. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Excluding any potential effects from the remeasurement
of deferred tax assets in connection with next year&#8217;s business planning
process, we expect a tax rate of around 25% for 2021. This also excludes any
impact from potential US corporate tax rate changes or other jurisdictional
statutory tax rate changes that could be enacted during the year.</font></p>




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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">13</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Group performance </font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total
comprehensive income attributable to shareholders: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total comprehensive income
attributable to shareholders was USD&nbsp;1,773 million, compared with negative
USD&nbsp;1,577 million. Net profit attributable to shareholders was USD&nbsp;1,708
million, compared with USD&nbsp;722 million, and other comprehensive income
(OCI) attributable to shareholders, net of tax, was positive USD&nbsp;65 million,
compared with negative USD&nbsp;2,299 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Foreign currency translation OCI was positive
USD&nbsp;552 million, mainly resulting from the strengthening of the Swiss
franc (4%) and the euro (4%) against the US dollar. OCI related to foreign
currency translation in the fourth quarter of 2019 was positive USD&nbsp;380
million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Defined benefit plan OCI was positive USD&nbsp;86
million, compared with negative USD&nbsp;2,015 million. The positive OCI in the
fourth quarter of 2020 was mainly due to net tax benefits of USD&nbsp;49
million, primarily following the remeasurement of deferred tax assets in
respect of temporary differences relating to defined benefit plans.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Pre-tax OCI for defined benefit plans was a
gain of USD&nbsp;37 million, primarily driven by the US defined benefit plans
which incurred an OCI gain of USD&nbsp;93 million. This was partly offset by
net pre-tax OCI losses of USD&nbsp;33 million and USD&nbsp;16 million related
to the German and Swiss pension plans, respectively.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The negative defined benefit plan OCI of USD&nbsp;2,015
million in the fourth quarter of 2019 was mainly driven by our Swiss pension
plan, primarily reflecting a reversal of the Swiss plan&#8217;s net defined benefit
asset that was initially recognized in the third quarter of 2019.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">OCI related to cash flow hedges was negative USD&nbsp;360
million, mainly reflecting the reclassification of net gains on hedging
instruments from OCI to the income statement as the hedged forecast cash flows
affected profit or loss in the fourth quarter of 2020. In the fourth quarter of
2019, OCI related to cash flow hedges was negative USD&nbsp;506 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">OCI related to own credit on financial
liabilities designated at fair value was negative USD&nbsp;211 million,
compared with negative USD&nbsp;147 million, primarily due to a tightening of
our own credit spreads in the fourth quarter of 2020.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Statement of comprehensive income&#8221; in the &#8220;Consolidated financial information&#8221;
section of this report for more information</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Note 29 Pension and other post-employment benefit plans&#8221; in the
&#8220;Consolidated financial statements&#8221; section of our Annual Report 2019 for more
information about OCI related to defined benefit plans</font></b></p>

<b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Sensitivity to
interest rate movements</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As of 31 December
2020, we estimate that a parallel shift in yield curves by +100 basis points
could lead to a combined increase in annual net interest income of
approximately USD&nbsp;1.6 billion in Global Wealth Management and Personal
&amp; Corporate Banking. A parallel shift in yield curves by &#8211;100 basis points
could lead to a combined reduction in annual net interest income of
approximately USD&nbsp;0.4 billion. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">These estimates are based on a hypothetical
scenario of an immediate change in interest rates, equal across all currencies
and relative to implied forward rates as of 31 December 2020 applied to our
banking book. These estimates further assume no change to balance sheet size
and structure, constant foreign exchange rates and no specific management
action. </font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer</font></b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-weight:normal;line-height:11.5pt;"> </font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">to the &#8220;Risk
management and control&#8221; section of this report for information about interest
rate risk in the banking book</font></b></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Key figures and personnel</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Below we provide an overview of selected
key figures for the Group. For further information about key figures related to
capital management, refer to the &#8220;Capital management&#8221; section of this report. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Cost / income ratio: 4Q20 vs 4Q19</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The cost / income ratio was 74.1%,
compared with 86.8%, driven by an increase in income and a decrease in expenses.
The cost / income ratio is measured based on income before credit loss expenses
or releases.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Common equity tier 1 capital: 4Q20 vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">During the fourth quarter of 2020,
our common equity tier 1 (CET1) capital increased by USD&nbsp;1.8 billion,
mainly due to operating profit before tax of USD&nbsp;2.1 billion, foreign
currency effects of USD&nbsp;0.6 billion and deferred tax assets on temporary
differences of USD&nbsp;0.3 billion, partly offset by the addition of USD&nbsp;0.5
billion to our capital reserve for potential future share repurchases, current
tax expenses of USD&nbsp;0.3 billion and accruals for dividends.</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">14</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Return on CET1
capital: 4Q20 vs 4Q19</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The annualized return on CET1 capital
(RoCET1) was 17.5%, compared with 8.2%, reflecting an increase in net profit
attributable to shareholders, with a partly offsetting effect driven by higher average
CET1 capital.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61375762"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Risk-weighted
assets: 4Q20 vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="_Hlk61386223"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Risk-weighted assets (RWA) increased by USD&nbsp;6.0 billion to USD&nbsp;289.1
billion, driven by an increase from currency effects of USD&nbsp;4.7 billion,
as well as an increase from asset size and other movements of USD&nbsp;4.2
billion, partly offset by reductions related to
regulatory add-ons of USD&nbsp;1.6 billion and model updates of USD&nbsp;1.4
billion.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Common equity tier 1 capital ratio: 4Q20
vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our CET1 capital ratio increased from
13.5% to 13.8%, reflecting the aforementioned USD&nbsp;1.8 billion increase in
CET1 capital, partly offset by the aforementioned increase in RWA. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Leverage ratio denominator (excluding
temporary exemption from FINMA): 4Q20 vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The leverage ratio denominator (LRD)
increased by USD&nbsp;43 billion to USD&nbsp;1,037 billion. The increase was
primarily driven by currency effects of USD&nbsp;24 billion and asset size and
other movements of USD&nbsp;18 billion.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Common equity
tier 1 leverage ratio (excluding temporary exemption from FINMA): 4Q20 vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our CET1 leverage ratio increased
slightly, from 3.84% to 3.85%, in the fourth quarter of 2020, as the
aforementioned increase in CET1 capital more than offset the aforementioned USD&nbsp;43
billion increase in the LRD.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Going concern leverage ratio (excluding
temporary exemption from FINMA): 4Q20 vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our going concern leverage ratio
decreased slightly, from 5.5% to 5.4%, as the USD&nbsp;1.9 billion increase in
total going concern capital was more than offset by the aforementioned USD&nbsp;43
billion increase in the LRD.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk52908227"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Personnel: 4Q20
vs 3Q20</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We employed 71,551 personnel
(full-time equivalents) as of 31&nbsp;December 2020, a net increase of 321
compared with 30&nbsp;September 2020. This mainly reflects the ongoing
insourcing of certain activities from third-party vendors to our Business
Solutions Centers. </font></p>








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 <tr style="height:10.5pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Return on equity and CET1
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=27% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=53% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=53% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,451&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: goodwill and intangible assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,480&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,428&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,469&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,480&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,469&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tangible equity attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,037&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,023&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48,032&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,037&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48,032&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: other CET1 deductions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,071&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,826&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,497&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,071&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,497&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=53% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Returns</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on tangible equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=53% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on common equity tier 1 capital (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net new money and
invested assets</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Management&#8217;s discussion and analysis
of net new money and invested assets is provided in the &#8220;UBS business divisions
and Group Functions&#8221; section of this report.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Outlook</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Investor sentiment
improved in the fourth quarter of 2020, largely on the basis of the strong
rebound in economic activity seen through the third quarter, combined with
greater optimism regarding the availability and effective distribution of
COVID-19 vaccines, as well as continued fiscal and monetary stimulus that
contributed to generally more positive views on the timing and extent of a
sustainable economic recovery.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">However, recent developments, including
economic and political situations in some large economies and geopolitical
tensions, have again raised questions around the shape and pace of the
recovery. The growing numbers of COVID-19 infections and hospitalizations as
well as lockdowns and similar measures imposed to control the pandemic add to
existing concerns about the shape of the overall recovery and the severity and
duration of the effects of the pandemic in certain economic sectors.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In these uncertain times, our clients
particularly value expert guidance and we remain focused on supporting them
with advice and solutions. We expect our revenues in the first quarter of 2021
to be positively influenced by seasonal factors such as higher client activity,
compared with the fourth quarter of 2020. Higher asset prices should have a
positive effect on recurring fee income in our asset gathering businesses.
However, the continued uncertainty in the environment could affect both asset
prices and client activity. While supporting market sentiment, low and
persistently negative interest rates and expectations of continuing easy
monetary policy will remain headwinds to net interest income sequentially.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">With its balance sheet for all seasons and
its diversified business model, UBS remains well positioned to drive
sustainable long-term value for our clients and shareholders.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>









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</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_20"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:28.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:70.0pt;line-height:70.0pt;">UBS business<a name="RG_MARKER_117016_bclEnd"></a><a name="RG_MARKER_117071_bclEnd"></a><br>
divisions <br>
and Group Functions</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;letter-spacing:-.55pt;">&#160;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">Management report</font></p>










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<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Wealth_Management"></a><a name="RG_MARKER_117168"></a><a name="RG_MARKER_117021"></a></p>
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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Global Wealth
 Management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Global Wealth Management<a name="RG_MARKER_117021_bclEnd"></a><a name="RG_MARKER_117168_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Global Wealth Management<sup>1</sup></font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=44% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,011&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;962&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;993&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,027&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,947&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recurring net fee income<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,468&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,341&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,354&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,372&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,258&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Transaction-based income<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;776&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;863&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;789&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,576&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,059&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(84)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(37)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;159&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,269&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,258&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,160&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,134&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,373&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(88)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,277&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,280&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,150&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,045&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,353&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,341&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,223&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,384&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,955&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,955&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business division operating
  profit / (loss) before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;936&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,057&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;766&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,091&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,397&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=44% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance measures and
  other information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recurring income<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,479&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,304&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,348&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,399&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,205&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recurring income as a percentage of income (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81.5&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial advisor variable compensation<sup>5,6</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;955&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;858&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;913&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,589&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Compensation commitments with recruited financial advisors<sup>5,7</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;122&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;122&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;137&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;502&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;542&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pre-tax profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;134.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75.7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;79.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average attributed equity (USD billion)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.1&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on attributed equity (%)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.0&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (USD billion)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;85.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (USD billion)<sup>8,9</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;346.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;312.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;312.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Goodwill and intangible assets (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new money (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.7)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,016&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,754&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,635&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,016&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,635&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net margin on invested assets (bps)<sup>10</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross margin on invested assets (bps)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Client assets (USD billion)<sup>11</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,382&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,062&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,909&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,382&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,909&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans, gross (USD billion)<sup>12</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;213.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;201.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;213.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Customer deposits (USD billion)<sup>12</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;348.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;320.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;296.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;348.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;296.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recruitment loans to financial advisors<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,872&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,863&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,053&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,872&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,053&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other loans to financial advisors<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;697&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;718&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;824&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;697&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;824&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Impaired loan portfolio as a percentage of total loan portfolio,
  gross (%)<sup>13,14</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Advisors (full-time equivalents)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,575&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,688&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,077&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,575&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,077&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:49.5pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:49.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparatives may differ as a result of adjustments following
  organizational changes, restatements due to the retrospective adoption of new
  accounting standards or changes in accounting policies, and events after the
  reporting period.&#160;&#160;&#160; 2 Recurring net fee income consists of fees for services
  provided on an ongoing basis, such as portfolio management fees, asset-based
  investment fund fees and custody fees, which are generated on client assets,
  as well as credit card fees and administrative fees for accounts.&#160;&#160;&#160;
  3&nbsp;Transaction-based income consists of the non-recurring portion of net
  fee and commission income, mainly composed of brokerage and transaction-based
  investment fund fees, as well as fees for payment and foreign exchange
  transactions, together with other net income from financial instruments
  measured at fair value through profit or loss.&#160;&#160;&#160; 4&nbsp;Recurring income
  consists of net interest income and recurring net fee income.&#160;&#160;&#160;
  5&nbsp;Relates to licensed professionals with the ability to provide
  investment advice to clients in the Americas.&#160;&#160;&#160; 6&nbsp;Financial advisor
  variable compensation consists of formulaic compensation based directly on
  compensable revenues generated by financial advisors and supplemental
  compensation calculated on the basis of financial advisor productivity, firm
  tenure, new assets and other variables.&#160;&#160;&#160; 7 Compensation commitments with
  recruited financial advisors represent expenses related to compensation
  commitments granted to financial advisors at the time of recruitment that are
  subject to vesting requirements.&#160;&#160;&#160; 8 Refer to the &#8220;Capital management&#8221;
  section of this report for more information.&#160;&#160;&#160; 9 The leverage ratio
  denominators as of 31&nbsp;December 2020 and 30&nbsp;September 2020 do not
  reflect the effects of the temporary exemption that has been granted by FINMA
  in connection with COVID-19. Refer to the &#8220;Recent developments&#8221; section of
  our second quarter 2020 report for more information.&#160;&#160;&#160; 10 Calculated as
  operating profit before tax (annualized as applicable) divided by average
  invested assets.&#160;&#160;&#160; 11 Client assets are composed of invested assets and
  other assets held purely for transactional purposes or custody only.&#160;&#160;&#160; 12
  Loans and Customer deposits in this table include customer brokerage
  receivables and payables, respectively, which are presented in a separate
  reporting line on the balance sheet.&#160;&#160;&#160; 13 Refer to the &#8220;Risk management and
  control&#8221; section of this report for more information about (credit-)impaired
  exposures.&#160;&#160;&#160; 14 Excludes loans to financial advisors.</font></p>
  </td>
 </tr>
</table></div>












<p align=left style="margin:0cm;margin-bottom:.0001pt;text-align:left;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Wealth_Management_bclEnd"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">18</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_22"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">Results: 4Q20 vs 4Q19</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;170 million,
or 22%, to USD&nbsp;936 million, reflecting higher operating income and lower
operating expenses. In the fourth quarter of 2019, profit before tax included a
USD&nbsp;75 million fee received from Personal &amp; Corporate Banking for the
shift of USD&nbsp;6 billion of business volume from Global Wealth Management to
Personal &amp; Corporate Banking.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating income</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating income increased by
USD&nbsp;127 million, or 3%, to USD&nbsp;4,277 million, mainly driven by higher
recurring net fee income, net interest income and credit loss releases. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net interest income increased by USD&nbsp;18
million, or 2%, to USD&nbsp;1,011 million, driven by higher loan revenues as a
result of higher loan volumes and margins. This was partly offset by lower
deposit revenues, driven by a decrease in margins, mainly as a result of lower
US dollar interest rates, despite higher deposit volumes.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Recurring net fee income increased by USD&nbsp;114
million, or 5%, to USD&nbsp;2,468 million, driven by the effect of higher
average invested assets. This was partly offset by lower margins, mainly due to
flows into lower-margin funds and mandates. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Transaction-based income decreased by USD&nbsp;13
million, or 2%, to USD&nbsp;776 million, mainly due to the aforementioned fee
of USD&nbsp;75 million received from Personal &amp;
Corporate Banking in the fourth quarter of 2019. This
was partly offset by higher revenue from equities, driven by continued high
levels of client activity and constructive market opportunities.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61978160"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net credit loss releases
were USD&nbsp;7 million, compared with net expenses of USD&nbsp;10 million.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating expenses decreased by USD&nbsp;43 million, or
1%, to USD&nbsp;3,341 million. The decrease was mainly driven by lower costs
for professional fees, and travel and marketing as a result of COVID-19-related
impacts.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Invested assets: 4Q20 vs 3Q20</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Invested assets increased by USD&nbsp;262 billion, or 10%, to
USD&nbsp;3,016 billion, driven by positive market performance of USD&nbsp;214
billion, positive currency effects of USD&nbsp;28 billion and net new money
inflows of USD&nbsp;21 billion.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61351194"></a><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net new money of
USD&nbsp;21 billion reflects net inflows in all regions. This was partly driven
by two large single inflows of USD&nbsp;6 billion in EMEA and USD&nbsp;4
billion in Asia Pacific. Mandate
penetration increased to 34.0% from 33.9%, supported by USD&nbsp;13 billion of
net new mandates.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loans: 4Q20
vs 3Q20</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loans increased by USD&nbsp;11.6
billion, or 6%, to USD&nbsp;213.1 billion, primarily driven by net new loans of
USD&nbsp;8.4 billion and USD&nbsp;3.2 billion from foreign exchange
translation. Net new loans were largely driven by an increase in Lombard loans.
Loan penetration decreased to 7.1% from 7.3%</font><font face="Frutiger 45 Light,sans-serif" lang=DE-CH style="font-size:9.0pt;line-height:11.5pt;">.&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Risk management and control&#8221; section of this report for more
information</font></b></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>









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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">19</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_23"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Global Wealth Management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=3 width=64% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Regional breakdown of performance measures</font></b></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=40% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter
  ended 31.12.20</font></i></p>
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion, except where
  indicated</font></i></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Americas<sup>1</sup></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Switzerland</font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">EMEA<sup>2</sup></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asia Pacific</font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management<sup>3</sup></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income (USD million)</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,382&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;425&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;888&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;577&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,277&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses (USD million)</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,996&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;647&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;408&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,341&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax (USD million)</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;386&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;241&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;169&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;936&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84.1&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.8&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.5&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.2&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans, gross</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.5</font></b><sup><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">4</font></b></sup></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48.3&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;49.8&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;213.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new loans</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.4&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.6&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.4&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loan penetration (%)<sup>5</sup></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.3&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Mandate volume</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;620&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;236&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,026&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new mandates</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.7&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.7)&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.7&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.5&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Mandate penetration (%)<sup>5</sup></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39.5&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35.7&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.6&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,568&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;273&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;612&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;560&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,016&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new money</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.8&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.2&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=40% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Advisors (full-time equivalents)</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,305&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;695&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,573&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,575&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=6 valign=top width=100% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Including business units: United States and Canada; and Latin
  America.&#160;&#160;&#160; 2 Including business units: Europe; Central and Eastern Europe,
  Greece and Israel; and Middle East and Africa.&#160;&#160;&#160; 3 Including minor
  functions, which are not included in the four regions individually presented
  in this table, with USD 5 million of total operating income, USD 7 million of
  total operating expenses, USD 2 million of operating loss before tax,
  USD&nbsp;0.7 billion of loans, USD 0.1 billion of net new loan inflows, USD
  0.3 billion of mandate volume, USD 0.1 billion of net new mandate outflows,
  USD 3 billion of invested assets, USD 0.3 billion of net new money outflows
  and 92 advisors in the fourth quarter of 2020.&#160;&#160;&#160; 4 Loans include customer
  brokerage receivables, which are presented in a separate reporting line on
  the balance sheet.&#160;&#160;&#160; 5&nbsp;Penetration as a percentage of invested assets.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Regional
comments 4Q20 vs 4Q19, except where indicated </font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Americas</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;135
million to USD&nbsp;386 million. Operating income increased by USD&nbsp;88
million to USD&nbsp;2,382 million, mainly driven by higher recurring net fee
income as a result of higher average invested assets, credit loss releases, and
higher transaction-based income. This was partly offset by lower net interest
income, mainly due to US dollar rate headwinds. The cost / income ratio
decreased from 88.7% to 84.1%. Loans increased 5% compared with the third
quarter of 2020, to USD&nbsp;72 billion, reflecting USD&nbsp;3.4 billion of net
new loans. Mandate penetration increased sequentially from 39.2% to 39.5%.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Switzerland</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;7
million to USD&nbsp;142 million. Operating income increased by USD&nbsp;26
million to USD&nbsp;425 million, mainly driven by higher net interest income,
reflecting higher loan revenues, and higher recurring net fee income, as a
result of higher average invested assets. The cost / income ratio increased
from 66.2% to 66.8%. Loans increased 4% compared with the third quarter of
2020, to USD&nbsp;42 billion, reflecting foreign currency effects. Mandate
penetration decreased sequentially from 35.9% to 35.7%.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EMEA</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;15
million to USD&nbsp;241 million. Operating income increased by USD&nbsp;35
million to USD&nbsp;888 million, mainly driven by recurring net fee income,
reflecting higher average invested assets, net interest income and
transaction-based income. The cost / income ratio decreased from 73.5% to 72.9%.
Loans increased 9% compared with the third quarter of 2020, to USD&nbsp;48
billion, reflecting USD&nbsp;2.3 billion of net new loans and foreign currency
effects. Mandate penetration increased sequentially from 38.5% to 38.6%.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Asia Pacific</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by USD&nbsp;95
million to USD&nbsp;169 million. Operating income increased by USD&nbsp;60
million to USD&nbsp;577 million, mainly driven by transaction-based income and
recurring net fee income, as a result of higher average invested assets. The
cost / income ratio decreased from 85.6% to 70.5%. Loans increased 6% compared
with the third quarter of 2020, to USD&nbsp;50 billion, reflecting USD&nbsp;2.6
billion of net new loans. Mandate penetration increased sequentially from 12.8%
to 12.9%.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








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<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Personal &amp; Corporate Banking<a name="RG_MARKER_117019_bclEnd"></a><a name="RG_MARKER_117169_bclEnd"></a> <a name="Retail_Corporate"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Personal &amp; Corporate
  Banking &#8211; in Swiss francs<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">CHF million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=44% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;455&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;472&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;494&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,916&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,980&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recurring net fee income<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;177&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;170&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;164&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;676&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;634&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Transaction-based income<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;230&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;264&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;189&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;985&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,041&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(50)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;876&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;935&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;861&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,650&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,714&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(84)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(243)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;896&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;850&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;868&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,407&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,692&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;578&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;545&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;562&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,233&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,259&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business division operating
  profit / (loss) before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;318&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;305&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;306&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,175&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,433&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=44% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance measures and
  other information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average attributed equity (CHF billion)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on attributed equity (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.5&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pre-tax profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13.4)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(52.4)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18.0)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18.6)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest margin (bps)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;139&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;150&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (CHF billion)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63.8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (CHF billion)<sup>4,5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;219.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;216.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;217.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;219.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;217.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business volume for Personal Banking (CHF billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;175&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;168&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;168&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new business volume for Personal Banking (CHF billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new business volume growth for Personal Banking (%)<sup>6</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Active Digital Banking clients in Personal Banking (%)<sup>7</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Active Digital Banking clients in Corporate &amp; Institutional
  Clients (%)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Mobile Banking log-in share in Personal Banking (%)<sup>9</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Client assets (CHF billion)<sup>10</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;702&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;678&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;685&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;702&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;685&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans, gross (CHF billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.4&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Customer deposits (CHF billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;161.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;157.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;150.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;161.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;150.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured loan portfolio as a percentage of total loan portfolio,
  gross (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Impaired loan portfolio as a percentage of total loan portfolio,
  gross (%)<sup>11</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:32.25pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparatives may differ as a result of adjustments following
  organizational changes, restatements due to the retrospective adoption of new
  accounting standards or changes in accounting policies, and events after the
  reporting period.&#160;&#160;&#160; 2 Recurring net fee income consists of fees for services
  provided on an ongoing basis, such as portfolio management fees, asset-based
  investment fund fees and custody fees, which are generated on client assets,
  as well as administrative fees for accounts.&#160;&#160;&#160; 3&nbsp;Transaction-based
  income consists of the non-recurring portion of net fee and commission
  income, mainly composed of brokerage and transaction-based investment fund
  fees, and credit card fees, as well as fees for payment and foreign exchange
  transactions, together with other net income from financial instruments
  measured at fair value through profit or loss.&#160;&#160;&#160; 4&nbsp;Refer to the
  &#8220;Capital management&#8221; section of this report for more information.&#160;&#160;&#160;
  5&nbsp;The leverage ratio denominators as of 31 December 2020 and 30
  September 2020 do not reflect the effects of the temporary exemption that has
  been granted by FINMA in connection with COVID-19. Refer to the &#8220;Recent
  developments&#8221; section of our second quarter 2020 report for more
  information.&#160;&#160;&#160; 6&nbsp;Calculated as net new business volume for the period
  (annualized as applicable) divided by business volume at the beginning of the
  period.&#160;&#160;&#160; 7 &#8220;Clients&#8221; refers to the number of unique business relationships
  operated by Personal Banking and &#8220;active&#8221; means at least one log-in within
  the past month (log-in time stamp is allocated to all business relationship
  numbers in a digital banking contract). Excluded are persons under the age of
  15, clients who do not have a private account, clients domiciled outside
  Switzerland, and clients who have defaulted on loans or credit facilities. In
  the fourth quarter of 2020, 85.7% of clients of Personal Banking were
  &#8220;activated users&#8221; of Digital Banking (i.e., clients who had logged into
  Digital Banking at least once in the course of their relationship with
  UBS).&#160;&#160;&#160; 8 &#8220;Clients&#8221; refers to the number of unique business relationships or
  legal entities operated by Corporate &amp; Institutional Clients and &#8220;active&#8221;
  means at least one log-in within the past month (log-in time stamp is
  allocated to all business relationship numbers or per legal entity in a
  digital banking contract). Excluded are clients that do not have an account,
  mono-product clients and clients that have defaulted on loans or credit
  facilities.&#160;&#160;&#160; 9 Mobile Banking app log-ins as a percentage of total log-ins
  via E-Banking and Mobile Banking app in Personal Banking (if a digital
  banking contract is linked to multiple business relationships, the log-in is
  attributed to the business relationship with the most banking products in
  use).&#160;&#160;&#160; 10&nbsp;Client assets are composed of invested assets and other
  assets held purely for transactional purposes or custody only. Net new money
  is not measured for Personal &amp; Corporate Banking.&#160;&#160;&#160; 11&nbsp;Refer to the
  &#8220;Risk management and control&#8221; section of this report for more information
  about (credit-)impaired exposures.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Retail_Corporate_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>











<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">21</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_25"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Personal &amp;
 Corporate Banking</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">Results</font></b><b><font color=red face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">: </font></b><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">4Q20 vs 4Q19</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by CHF&nbsp;12 million, or
4%, to CHF&nbsp;318 million, reflecting higher income and credit loss releases,
partly offset by higher operating expenses. In the fourth quarter of 2019, profit
before tax included a CHF&nbsp;73 million fee paid to Global Wealth Management
for the shift of CHF&nbsp;6 billion of business volume from Global Wealth
Management to Personal &amp; Corporate Banking.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating income</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating income increased by CHF&nbsp;28
million, or 3%, to CHF&nbsp;896 million, reflecting higher transaction-based income
as a result of the aforementioned fee paid to Global Wealth Management, higher
recurring net fee income and credit loss releases. This was partly offset by
lower net interest income.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net interest income decreased by CHF&nbsp;39
million to CHF&nbsp;455 million, mainly driven by lower deposit revenues,
mainly reflecting a decrease in margins due to the ongoing low interest rate
environment. </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Recurring net fee income increased by CHF&nbsp;13
million to CHF&nbsp;177 million, partly reflecting higher custody fees.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Transaction-based income increased by CHF&nbsp;41
million to CHF&nbsp;230 million, mainly due to the fourth quarter of 2019
including the aforementioned fee of CHF&nbsp;73 million paid to Global Wealth Management. This was
partly offset by lower revenue from credit card and foreign exchange
transactions, reflecting lower spending on travel and leisure by clients due to
the COVID-19 pandemic.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Other income was unchanged at CHF&nbsp;14
million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net credit loss releases for the fourth
quarter of 2020 were CHF&nbsp;20 million, compared with net releases of CHF&nbsp;7
million. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating expenses increased by
CHF&nbsp;16 million, or 3%, to CHF&nbsp;578 million, mainly driven by higher expenses
for technology and operations.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">22</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Personal &amp; Corporate Banking &#8211; in US dollars<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=44% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;503&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;517&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;501&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,049&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,992&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Recurring net fee income<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;196&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;186&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;167&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;725&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;638&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Transaction-based income<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;255&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;288&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;191&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,054&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,045&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(50)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;79&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;970&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,023&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;873&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,908&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,736&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;182&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(257)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;992&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;931&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;881&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,651&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,715&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;640&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;596&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,392&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,274&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business division operating
  profit / (loss) before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;310&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,259&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,441&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=44% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance measures and other
  information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average attributed equity (USD billion)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on attributed equity (%)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.6&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pre-tax profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.6&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.6)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(51.8)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19.7)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest margin (bps)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;143&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (USD billion)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (USD billion)<sup>4,5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;248.3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;235.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;224.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;248.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;224.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business volume for Personal Banking (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;202&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;190&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;174&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;202&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;174&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new business volume for Personal Banking (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new business volume growth for Personal Banking (%)<sup>6</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Active Digital Banking clients in Personal Banking (%)<sup>7</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Active Digital Banking clients in Corporate &amp; Institutional
  Clients (%)<sup>8</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Mobile Banking log-in share in Personal Banking (%)<sup>9</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69.8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Client assets (USD billion)<sup>10</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;793&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;736&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;708&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;793&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;708&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans, gross (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;154.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;154.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Customer deposits (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;181.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;170.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;155.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;181.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;155.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured loan portfolio as a percentage of total loan portfolio,
  gross (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Impaired loan portfolio as a percentage of total loan portfolio,
  gross (%)<sup>11</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:51.75pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:51.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparatives may differ as a result of adjustments following
  organizational changes, restatements due to the retrospective adoption of new
  accounting standards or changes in accounting policies, and events after the
  reporting period.&#160;&#160;&#160; 2 Recurring net fee income consists of fees for services
  provided on an ongoing basis, such as portfolio management fees, asset-based
  investment fund fees and custody fees, which are generated on client assets,
  as well as administrative fees for accounts.&#160;&#160;&#160; 3&nbsp;Transaction-based
  income consists of the non-recurring portion of net fee and commission
  income, mainly composed of brokerage and transaction-based investment fund
  fees, and credit card fees, as well as fees for payment and foreign exchange
  transactions, together with other net income from financial instruments
  measured at fair value through profit or loss.&#160;&#160;&#160; 4&nbsp;Refer to the
  &#8220;Capital management&#8221; section of this report for more information.&#160;&#160;&#160;
  5&nbsp;The leverage ratio denominators as of 31 December 2020 and 30
  September 2020 do not reflect the effects of the temporary exemption that has
  been granted by FINMA in connection with COVID-19. Refer to the &#8220;Recent
  developments&#8221; section of our second quarter 2020 report for more
  information.&#160;&#160;&#160; 6&nbsp;Calculated as net new business volume for the period (annualized
  as applicable) divided by business volume at the beginning of the period.&#160;&#160;&#160;
  7 &#8220;Clients&#8221; refers to the number of unique business relationships operated by
  Personal Banking and &#8220;active&#8221; means at least one log-in within the past month
  (log-in time stamp is allocated to all business relationship numbers in a
  digital banking contract). Excluded are persons under the age of 15, clients
  who do not have a private account, clients domiciled outside Switzerland, and
  clients who have defaulted on loans or credit facilities. In the fourth
  quarter of 2020, 85.7% of clients of Personal Banking were &#8220;activated users&#8221;
  of Digital Banking (i.e., clients who had logged into Digital Banking at
  least once in the course of their relationship with UBS).&#160;&#160;&#160; 8 &#8220;Clients&#8221; refers
  to the number of unique business relationships or legal entities operated by
  Corporate &amp; Institutional Clients and &#8220;active&#8221; means at least one log-in
  within the past month (log-in time stamp is allocated to all business
  relationship numbers or per legal entity in a digital banking contract).
  Excluded are clients that do not have an account, mono-product clients and
  clients that have defaulted on loans or credit facilities.&#160;&#160;&#160; 9 Mobile
  Banking app log-ins as a percentage of total log-ins via E-Banking and Mobile
  Banking app in Personal Banking (if a digital banking contract is linked to
  multiple business relationships, the log-in is attributed to the business
  relationship with the most banking products in use).&#160;&#160;&#160; 10&nbsp;Client assets
  are composed of invested assets and other assets held purely for
  transactional purposes or custody only. Net new money is not measured for
  Personal &amp; Corporate Banking.&#160;&#160;&#160; 11&nbsp;Refer to the &#8220;Risk management
  and control&#8221; section of this report for more information about (credit-)impaired
  exposures.</font></p>
  </td>
 </tr>
</table></div>










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  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=45% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net management fees<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;518&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;505&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;455&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,950&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,778&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance fees</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;255&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;190&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;167&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;455&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;160&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net gain from disposal of subsidiary</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;571&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(90)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;774&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,162&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;551&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,974&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,938&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;372&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;423&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,519&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,406&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business division operating
  profit / (loss) before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;401&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;739&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;180&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(46)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;123&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,455&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;532&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td nowrap width=45% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="background:white;border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=8% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance measures and
  other information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average attributed equity (USD billion)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on attributed equity (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;147.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pre-tax profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;123.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;494.9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;173.6&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48.1&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (USD billion)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (USD billion)<sup>3,4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Goodwill and intangible assets (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net margin on invested assets (bps)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(50)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;90&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross margin on invested assets (bps)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;49&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(39)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td nowrap width=45% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="background:white;border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Information by business line
  / asset class</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net new money (USD billion)</font></b></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equities<sup>6</sup></font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25.1&nbsp;</font></b></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.9&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.5&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.1&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30.9&nbsp;</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fixed Income</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.0)&nbsp;</font></b></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13.4)&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9.4)&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.3&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9.2)&nbsp;</font></p>
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  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: money market</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15.8)&nbsp;</font></i></b></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11.9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.0)&nbsp;</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7.4)&nbsp;</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></i></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Multi-asset &amp; Solutions<sup>6</sup></font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.7&nbsp;</font></b></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.5)&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.2)&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.6&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2.0)&nbsp;</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Hedge Fund Businesses</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.5)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.1)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.2)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Real Estate &amp; Private Markets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.6&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total net new money</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.4)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net new money
  excluding money markets</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.0&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.9&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87.5&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.6&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td nowrap width=45% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="background:white;border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=8% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets (USD
  billion)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equities<sup>6</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;506&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;420&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;374&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;506&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;374&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fixed Income</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;274&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;279&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;253&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;274&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;253&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: money market</font></i></p>
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 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;97&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;102&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></i></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;97&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;102&nbsp;</font></i></p>
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 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148&nbsp;</font></p>
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 </tr>
<tr style="height:8.25pt;">
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 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;42&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;42&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;93&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;90&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;93&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86&nbsp;</font></p>
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 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
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  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;181&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;166&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;155&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;181&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;155&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Europe, Middle East and Africa (excluding Switzerland)</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;294&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;244&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;236&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;294&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;236&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Switzerland</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;363&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;329&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;306&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;363&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;306&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total invested assets</font></b></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,092&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;980&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;903&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,092&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;903&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td nowrap width=45% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="background:white;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=9% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=8% style="height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Information by channel</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets (USD
  billion)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Third-party institutional</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;648&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;586&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;552&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;648&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;552&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Third-party wholesale</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;111&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS&#8217;s wealth management businesses</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;316&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;282&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;253&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;316&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;253&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total invested assets</font></b></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,092&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;980&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;903&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,092&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;903&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparatives may differ as a result of adjustments following
  organizational changes, restatements due to the retrospective adoption of new
  accounting standards or changes in accounting policies, and events after the
  reporting period.&#160;&#160;&#160; 2 Net management fees include transaction fees, fund
  administration revenues (including net interest and trading income from
  lending activities and foreign exchange hedging as part of the fund services
  offering), gains or losses from seed money and co-investments, funding costs,
  and other items that are not performance fees.&#160;&#160;&#160; 3 Refer to the &#8220;Capital
  management&#8221; section of this report for more information.&#160;&#160;&#160; 4&nbsp;The
  leverage ratio denominators as of 31 December 2020 and 30 September 2020 do
  not reflect the effects of the temporary exemption that has been granted by
  FINMA in connection with COVID&#8209;19. Refer to the &#8220;Recent developments&#8221;
  section of our second quarter 2020 report for more information.&#160;&#160;&#160; 5
  Calculated as operating profit before tax (annualized as applicable) divided
  by average invested assets.&#160;&#160;&#160; 6&nbsp;Comparative figures have been restated
  as a result of an adjustment in asset classification, effective as of 1 April
  2020, in order to better reflect the underlying nature of certain assets,
  following an internal asset reporting review in light of the evolution of our
  separately managed accounts initiative in the US with Global Wealth
  Management. The restatement had no effect on total net new money and no
  effect on total invested assets. It resulted in an increase of USD 7 billion,
  or 2%, in invested assets in Equities and a decrease of USD 7 billion, or 5%,
  in invested assets in Multi-asset &amp; Solutions in the fourth quarter of
  2019.</font></p>
  </td>
 </tr>
</table></div>
















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<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">Results: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax increased by
USD&nbsp;221 million, or 123%, to USD&nbsp;401 million, reflecting positive
operating leverage, with higher operating income and flat expenses.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating income</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Total operating
income increased by USD&nbsp;223 million, or 40%, to USD&nbsp;774 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk53428361"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Net management fees
increased by USD&nbsp;63 million, or 14%, to USD&nbsp;518 million, mainly
resulting from a higher average invested asset base, reflecting a combination
of continued net new money generation during 2020, a constructive market
backdrop and positive currency translation effects.
</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Performance fees increased by USD&nbsp;159
million to USD&nbsp;255 million, mainly driven by increases in our Hedge Fund
Businesses, reflecting both strong investment performance in a constructive
market environment and annual performance fee recognition for certain products.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating expenses were
virtually flat at USD&nbsp;372 million.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Invested assets: </font></b><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">4Q20&nbsp;</font></b><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> vs </font></b><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">3Q20&nbsp;</font></b><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;"> &nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Invested assets
increased by USD&nbsp;112 billion to USD&nbsp;1,092 billion, reflecting
positive market performance of USD&nbsp;66 billion, positive foreign currency
translation effects of USD&nbsp;24 billion and net new money inflows of
USD&nbsp;22 billion. Excluding money market flows, net new money inflows were
USD&nbsp;38 billion.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=45% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;144&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;500&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;357&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,744&nbsp;</font></p>
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 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,230&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;669&nbsp;</font></b></p>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;651&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;502&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,937&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;428&nbsp;</font></b></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;418&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;343&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,857&nbsp;</font></p>
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 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,430&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;660&nbsp;</font></b></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,017&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;472&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></p>
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 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40&nbsp;</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,609&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,374&nbsp;</font></p>
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 </tr>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;346&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;413&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;370&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,674&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,557&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Markets</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,433&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,849&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,185&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,141&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,362&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Equities</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,315&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;835&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,502&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,799&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Foreign Exchange,
  Rates and Credit</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;368&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;533&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;350&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(31)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,638&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,563&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,102&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,500&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,687&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,519&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,299&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(91)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;513&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(305)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(30)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,011&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,485&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,681&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,214&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,269&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,482&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,853&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,703&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,732&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,485&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Business division operating
  profit / (loss) before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;529&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;632&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,482&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;784&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=45% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Performance measures and
  other information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pre-tax profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;267.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;216.6&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(47.3)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average attributed equity (USD billion)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.6&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.6&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on attributed equity (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.7)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.5&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;101.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (USD billion)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on risk-weighted assets, gross (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (USD billion)<sup>3,4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;315.5&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;312.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;293.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;315.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;293.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on leverage ratio denominator, gross (%)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Goodwill and intangible assets (USD billion)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average VaR (1-day, 95% confidence, 5 years of historical data)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:42.75pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:42.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparative figures in this table have been restated to
  reflect the new structure of the Investment Bank, split into Global Banking
  and Global Markets. Global Banking has two product verticals: Capital Markets
  and Advisory. Global Markets combines Equities and Foreign Exchange, Rates
  and Credit (FRC), with three product verticals: Execution &amp; Platform,
  Derivatives &amp; Solutions, and Financing.&#160;&#160;&#160; 2 Comparatives may
  additionally differ as a result of adjustments following organizational
  changes, restatements due to the retrospective adoption of new accounting
  standards or changes in accounting policies, and events after the reporting
  period.&#160;&#160;&#160; 3 Refer to the &#8220;Capital management&#8221; section of this report for
  more information.&#160;&#160;&#160; 4 The leverage ratio denominators as of 31&nbsp;December
  2020 and 30&nbsp;September 2020 do not reflect the effects of the temporary
  exemption that has been granted by FINMA in connection with COVID-19. Refer
  to the &#8220;Recent developments&#8221; section of our second quarter 2020 report for
  more information.&#160;&#160;&#160; 5 Leverage ratio denominators used for the return
  calculations for the respective periods in 2020 do not reflect the effects of
  the temporary exemption referred to in footnote 4.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">26</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_30"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=PT-BR style="font-size:9.0pt;line-height:11.5pt;">Results: 4Q20
vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Profit before tax was USD&nbsp;529
million, compared with a loss before tax of USD&nbsp;22 million. This was
driven by higher operating income and lower operating expenses.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating income</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating income increased by
USD&nbsp;330 million, or 20%, to USD&nbsp;2,011 million, reflecting higher
revenues in Global Markets and Global Banking, partly offset by higher credit
loss expenses.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Global Banking</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Global Banking
revenues increased by USD&nbsp;167 million, or 33%, to USD&nbsp;669 million,
reflecting higher Capital Markets and Advisory revenues.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Advisory revenues increased by USD&nbsp;46
million, or 32%, to USD&nbsp;190 million, mainly driven by higher revenues from
merger and acquisition transactions, against an 8% increase in the global fee
pool, as well as an increase from other advisory transactions.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Capital Markets revenues increased by
USD&nbsp;121 million, or 34%, to USD&nbsp;478 million, primarily due to an
increase of USD&nbsp;125 million, or 102%, in Equity Capital Markets revenues,
compared with an increase in the global fee pool of 119%, as well as a revenue
increase in Leveraged Capital Markets. This was partly offset by net
mark-to-market losses of USD&nbsp;43 million in a portfolio of hedging
instruments used to hedge the Investment Bank&#8217;s lending and leveraged loan
portfolio, as credit spreads tightened.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Global Markets</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="_Hlk61269771"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Global Markets revenues increased by USD&nbsp;248 million, or 21%,
to USD&nbsp;1,433 million, primarily driven by higher client activity levels,
particularly across equity derivatives, cash equities and credit product lines.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Execution &amp; Platform revenues increased
by USD&nbsp;85 million, or 25%, to USD&nbsp;428 million, mainly driven by
higher client activity levels in cash equities products.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Derivatives &amp; Solutions revenues
increased by USD&nbsp;188 million, or 40%, to USD&nbsp;660 million, reflecting
higher client activity levels and a constructive market environment across
equity derivatives and credit.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Financing revenues decreased by USD&nbsp;24
million, or 7%, to USD&nbsp;346 million.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;<br clear=all>
Of which: Equities </font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Equities revenues increased by
USD&nbsp;230 million, or 28%, to USD&nbsp;1,065 million, mainly reflecting
increased client activity levels in equity derivatives and cash equities
products.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Of which: Foreign Exchange, Rates and
Credit</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Foreign Exchange, Rates and Credit
revenues increased by USD&nbsp;18 million, or 5%, to USD&nbsp;368 million,
mainly driven by Credit, reflecting a constructive market environment.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit loss expense / release</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net credit loss expenses were
USD&nbsp;91 million, compared with net expenses of USD&nbsp;6 million. Total
net credit loss expenses included USD&nbsp;64 million related to an exposure to
a client in the travel sector that became impaired during the quarter. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total operating expenses decreased by
USD&nbsp;221 million, or 13%, to USD&nbsp;1,482 million, mainly due to the
fourth quarter of 2019 including USD&nbsp;110 million of goodwill write-down.
The decrease was also driven by lower personnel expenses (largely due to the
fourth quarter of 2019 including restructuring expenses) and lower expenses for
provisions for litigation, regulatory and similar matters.<a name="_Hlk53009835"></a>
The fourth quarter of 2020 also included an expense for the UK bank levy of USD&nbsp;25
million, compared with an expense of USD&nbsp;46 million in the fourth quarter
of 2019.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Risk-weighted assets and
leverage ratio denominator: 4Q20 vs 3Q20</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Risk-weighted assets</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total risk-weighted assets (RWA)
increased by USD&nbsp;2 billion, or 2%, to USD&nbsp;94 billion. </font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Capital management&#8221; section of this report for more information</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Leverage ratio denominator</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The leverage ratio denominator
increased by USD&nbsp;3 billion, or 1%, to USD&nbsp;316 billion, mainly
reflecting higher on-balance sheet exposures due to an increase in trading
assets, partly offset by securities financing transactions.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Capital management&#8221; and &#8220;Balance sheet, liquidity and funding
management&#8221; sections of this report for more information</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








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<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Group Functions<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3Q20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4Q19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:5.25pt;">
  <td width=45% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:5.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(211)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(494)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(385)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;225&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;262&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;95&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;137&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;567&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss)
  before tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(161)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(184)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(306)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(47)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,060)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(577)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Group Treasury</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(100)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(59)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(341)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(69)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Non-core and
  Legacy Portfolio</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(50)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(68)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(269)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(84)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Group Services</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(189)&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(157)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(137)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(450)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(424)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:6.0pt;">
  <td width=45% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:6.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Additional information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets (USD billion)<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (USD billion)<sup>2,3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96.2&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comparatives may differ as a result of adjustments following
  organizational changes, restatements due to the retrospective adoption of new
  accounting standards or changes in accounting policies, and events after the
  reporting period.&#160;&#160;&#160; 2&nbsp;Refer to the &#8220;Capital management&#8221; section of this
  report for more information.&#160;&#160;&#160; 3 The leverage ratio denominators as of 31
  December 2020 and 30 September 2020 do not reflect the effects of the
  temporary exemption that has been granted by FINMA in connection with COVID-19.
  Refer to the &#8220;Recent developments&#8221; section of our second quarter 2020 report
  for more information.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><a name="Corporate_Center_bclEnd"></a></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Results: 4Q20 vs 4Q19</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Group Functions recorded a loss
before tax of USD&nbsp;161 million, compared with a loss of USD&nbsp;306
million.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Group Treasury</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Group Treasury result was negative
USD&nbsp;42 million, compared with negative USD&nbsp;100 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">This included income of net USD&nbsp;39
million from accounting asymmetries, including hedge accounting
ineffectiveness, compared with income of net negative USD&nbsp;81 million. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Income related to centralized Group Treasury
risk management services was negative USD&nbsp;51 million, compared with
positive USD&nbsp;4 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operating expenses decreased to USD&nbsp;21
million from USD&nbsp;22 million.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Non-core and
Legacy Portfolio</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Non-core and Legacy Portfolio
result was positive USD&nbsp;69 million, compared with negative USD&nbsp;68
million. This result was mainly due to valuation gains of USD&nbsp;134 million
on our USD&nbsp;1.5 billion portfolio of auction rate securities (ARS). Our
remaining exposures to ARS were all rated investment grade as of 31&nbsp;December
2020. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit loss expenses were USD&nbsp;4 million
in the fourth quarter of 2020.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk53677337"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Group Services </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Group Services result was
negative USD&nbsp;189 million, compared with negative USD&nbsp;137 million. <a name="_Hlk61981333"></a><a name="_Hlk61981996"></a>This was mainly due to an impairment
of internally generated software of USD&nbsp;67 million resulting from a
decision to not proceed with an internal business transfer from UBS Switzerland
AG to UBS AG, and real estate costs in relation to early lease terminations.
These items were partly offset by lower funding costs related to deferred tax
assets.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk53677419"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:28.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="RG_MARKER_117070"></a><a name="RG_MARKER_117015"></a></p>
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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">28</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:28.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:70.0pt;line-height:70.0pt;">Risk, treasury and capital mana<a name="RG_MARKER_117015_bclEnd"></a><a name="RG_MARKER_117070_bclEnd"></a>gement</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">Management report</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>










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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_33"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">Table of
contents<a name="RG_MARKER_117069_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">31</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Risk_management_and_control"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Risk management and control</font></b></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">31</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Credit_risk_internal_risk"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Credit risk </font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">34</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Market_risk"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Market risk</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">35</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Country_risk"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Country risk</font></a><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> &nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">35</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Operational_risk"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Operational risk</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">36</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Balance_sheet_narratives"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Balance sheet, liquidity and funding management</font></b></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">36</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Strategy_objectives"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Strategy, objectives and governance</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">36</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Assets_liquidity_mgmt"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Assets and liquidity management</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">37</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Liabilities_funding_mgmt"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Liabilities and funding management</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">39</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#offbalancesheet"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Off-balance sheet</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">40</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Capital_management"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Capital management</font></b></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">41</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Swiss_SRB_requirements_and_info"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Swiss SRB requirements and information</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">44</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Total_loss_absorbing_capacity"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Total loss-absorbing capacity</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">48</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#RWA_UBS_Group"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Risk-weighted assets</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">50</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#CM_LRD"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Leverage ratio denominator</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">52</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#Equity_attribution_and_return"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">Equity attribution and return on
  attributed equity</font></a></p>
  </td>
 </tr>
<tr>
  <td valign=top width=14% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">53</font></b></p>
  </td>
 <td valign=top width=86% style="padding:0cm 8.5pt 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><a href="#UBS_shares"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-weight:normal;line-height:11.5pt;text-decoration:none;">UBS shares</font></a></p>
  </td>
 </tr>
</table></div>












<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="RG_MARKER_117173"></a><a name="RG_MARKER_117057"></a></p>
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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">30</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_34"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Risk management and control<a name="Risk_management_and_control"></a><a name="RG_MARKER_117057_bclEnd"></a><a name="RG_MARKER_117173_bclEnd"></a><a name="Risk_management_and_control_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">This section provides information
about key developments during the reporting period and should be read in
conjunction with the &#8220;Risk management and control&#8221; section of our Annual Report
2019.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="Credit_risk_internal_risk"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The
outbreak of COVID-19 and the associated market turbulences have caused
widespread economic disruption. The related effects on credit risk, market
risk, country risk and operational risk in the fourth quarter of 2020 are
reflected in the following sections.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Recent developments&#8221;
section of this report for more information about the COVID-19 pandemic</font></b></p>

<b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit risk </font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="Credit_risk_internal_risk_bclEnd"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit loss expense / release </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="_Hlk45281421"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total net credit loss expenses were USD&nbsp;66 million in the fourth
quarter of 2020, reflecting a USD&nbsp;33 million release of credit losses related
to stage&nbsp;1 and 2 positions and USD&nbsp;99 million of credit loss expenses
related to credit-impaired (stage&nbsp;3) positions. Total net credit loss
expenses included USD&nbsp;64 million in the Investment Bank related to an exposure
to a client in the travel sector that became impaired during the quarter.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Expected credit loss measurement&#8221; in the &#8220;Consolidated financial
information&#8221; section of this report for more information about credit loss
expense / release </font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Credit loss (expense) / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Wealth </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended
  31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(108)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(99)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(91)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended
  30.9.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(71)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(81)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(89)&nbsp;</font></b></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">31</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_35"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Risk management
 and control</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Overall banking products exposures</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Overall banking products exposure
increased by USD&nbsp;28 billion to USD&nbsp;639 billion as of 31&nbsp;December
2020. USD&nbsp;18 billion is due to loans and advances to customers, USD&nbsp;9
billion due to balances at central banks and USD&nbsp;1 billion due to loans
and advances to banks, with a partly offsetting USD&nbsp;1 billion reduction in
loan commitments and guarantees.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit-impaired gross exposure increased by USD&nbsp;198
million to USD&nbsp;3,778 million as of 31&nbsp;December 2020. The increase stemmed
mainly from the same Investment Bank counterparty in
the travel sector mentioned in the credit loss expense / release section above.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In Personal &amp; Corporate Banking, loans
and advances to customers increased by USD&nbsp;5.7 billion, mainly driven by
the effects of the US dollar depreciating against the Swiss franc on a mostly
Swiss franc-denominated portfolio. In Global Wealth Management, the USD&nbsp;11.4
billion increase in loans and advances to customers was mainly driven by higher
volumes of Lombard loans in the US, Switzerland and Asia Pacific. In the Investment
Bank, loans and advances to customers increased by USD&nbsp;1.2 billion.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Exposure related to traded products remained
mostly unchanged, with an increase of USD&nbsp;0.5 billion during the fourth quarter
of 2020. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Committed credit facilities</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Committed credit facilities and
client drawings against these remained stable in the fourth quarter of 2020. We
manage our credit risk on the aggregate of drawn and committed undrawn credit
facilities and model full drawing of committed facilities in our stress testing
framework.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loan underwriting</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the Investment Bank, new loan
underwriting activity levels and distributions continued to be robust during the
fourth quarter of 2020. As of 31&nbsp;December 2020, mandated loan underwriting
commitments totaled USD&nbsp;4.9 billion on a notional basis (compared with
USD&nbsp;7.0 billion as of 30&nbsp;September 2020). <br clear=all>
As of 31&nbsp;December 2020, USD&nbsp;0.5 billion of commitments had not yet
been distributed as originally planned.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loan underwriting exposures are held for
trading, with fair values reflecting the market conditions at the end of the
quarter. Credit hedges are in place to help protect against fair value
movements in the portfolio.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Swiss mortgage portfolio</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="_Hlk45047220"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Of our total
Swiss real estate portfolio of USD&nbsp;170 billion, USD&nbsp;153 billion related
to Swiss residential real estate, USD&nbsp;6 billion to commercial retail and
office real estate, and a further USD&nbsp;10 billion to industrial and other real
estate.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk45047251"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The residential
portfolio consists of USD&nbsp;127 billion for single-family homes (average LTV
of 54%) and USD&nbsp;26 billion in residential income-producing real estate (average LTV of 52%). In addition, we are carefully monitoring the
level of risk in our Swiss commercial retail and office real estate portfolio
(average LTV of 45%) and its resilience to the economic impact of COVID&#8209;19.
</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Risk management and control&#8221; section of our Annual Report 2019 for more
information about our Swiss mortgage portfolio</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Exposure to the Swiss economy and Swiss
corporates</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Within Personal &amp; Corporate
Banking, risks related to our exposures to certain industry sectors have increased
due to the measures taken in relation to the COVID-19 pandemic. <a name="_Hlk61984285"></a>Industries in focus with a negative outlook include tourism
and media. Retail; culture, sports and education; and watches remain in
focus but to a lesser degree. Our exposure to the tourism sector (including
hotels, restaurants and transport) totaled USD&nbsp;2.1 billion as of 31&nbsp;December
2020, with hotels accounting for USD&nbsp;1.0 billion of this exposure. <a name="_Hlk61551259"></a>Our other exposures included: USD&nbsp;1.7 billion to the
retail sector; USD&nbsp;1.0 billion to the culture, sports and education
sector; USD&nbsp;0.3 billion to the media sector; and USD&nbsp;0.2 billion to
the watch sector. Apart from a few large counterparties, our exposures within
these sectors are highly diversified across Switzerland.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=8 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Banking and traded products exposure in our business divisions
  and Group Functions</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=56% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td valign=bottom width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></b></p>
  </td>
 <td valign=bottom width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking products<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;300,368&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;227,139&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,374&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,237&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;52,199&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;639,317&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: loans and advances
  to customers (on-balance sheet)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;208,324&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;153,975&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,964&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,324&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;380,589&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: guarantees and loan
  commitments (off-balance sheet)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,153&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28,814&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,936&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,550&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58,453&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Traded products<sup>2,3</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,919&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,201&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,215&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51,335&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: over-the-counter
  derivatives</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,946&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,182&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11,236&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,364&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: securities financing
  transactions</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,753&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,753&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: exchange-traded
  derivatives</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,973&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,227&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,218&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other credit lines, gross<sup>4</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,201&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,950&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,952&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,134&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=43% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit-impaired exposure, gross (stage 3)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,324&nbsp;</font></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,997&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;450&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,778&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total allowances and provisions for expected credit losses
  (stages 1 to 3)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;318&nbsp;</font></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;842&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;298&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,468&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 1</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;103&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;130&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;306&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 2</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;216&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;333&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 3
  (allowances and provisions for credit-impaired exposures)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;160&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;497&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;165&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;829&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=43% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=56% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td valign=bottom width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td valign=bottom width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking products<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;279,856&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215,764&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,760&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63,933&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48,499&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;611,812&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: loans and advances
  to customers (on-balance sheet)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;196,961&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,309&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,728&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,130&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;362,129&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: guarantees and
  loan commitments (off-balance sheet)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,408&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,994&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,769&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,052&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,224&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Traded products<sup>2,3</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,661&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,084&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,052&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,798&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: over-the-counter
  derivatives</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,691&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,017&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,500&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,209&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: securities
  financing transactions</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,303&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,303&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: exchange-traded
  derivatives</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,970&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td colspan=2 width=18% style="background:#E6E6E6;border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,249&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,286&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other credit lines, gross<sup>4</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11,781&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,785&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,282&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,917&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=43% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit-impaired exposure, gross (stage 3)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,367&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,923&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;218&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,580&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total allowances and provisions for expected credit losses
  (stages 1 to 3)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;330&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;904&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;252&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,550&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 1</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;296&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 2</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;212&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;360&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=43% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: stage 3
  (allowances and provisions for credit-impaired exposures)</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;167&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;564&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;103&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;894&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 IFRS 9 gross exposure including other financial assets at
  amortized cost, but excluding cash, receivables from securities financing
  transactions, cash collateral receivables on derivative instruments,
  financial assets at FVOCI, irrevocable committed prolongation of existing
  loans and unconditionally revocable committed credit lines and forward
  starting reverse repurchase and securities borrowing agreements.&#160;&#160;&#160; 2
  Internal management view of credit risk, which differs in certain respects
  from IFRS.&#160; &#160;&#160;3 As counterparty risk for traded products is managed at
  counterparty level, no further split between exposures in the Investment Bank
  and Group Functions is provided.&#160;&#160;&#160; 4 Unconditionally revocable committed
  credit lines.&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
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 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured by residential property</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60,021&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58,191&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;111,554&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107,950&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured by commercial / industrial property<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,273&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,890&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,623&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,942&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured by cash</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22,722&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,980&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,860&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,562&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured by securities</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104,652&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98,774&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,003&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,817&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Secured by guarantees and other collateral</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,605&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,389&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,942&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,396&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Unsecured loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,051&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,737&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,994&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11,641&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loans and advances to
  customers, gross</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;208,324&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;196,961&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;153,975&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,309&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Allowances</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(190)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(198)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(676)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(736)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loans and advances to
  customers, net of allowances</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;208,134&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;196,763&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;153,299&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;147,573&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td colspan=7 valign=top width=100% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes exposures with mixed collateral as security, where
  the primary purpose of the loan is not to finance a specific property.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Market_risk"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">33</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_37"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Risk management
 and control</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Market risk </font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Market_risk_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We
continued to maintain generally low levels of management value-at-risk (VaR).
Average management VaR (1&#8209;day, 95% confidence level) decreased to
USD&nbsp;11 million from USD&nbsp;13 million at the end of the third quarter of
2020, due to markets being less volatile. </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">There were no Group VaR negative backtesting
exceptions in the fourth quarter of 2020, and the total number of negative
backtesting exceptions within the most recent 250-business-day window remained
at 3. The Swiss Financial Market Supervisory Authority (FINMA) VaR multiplier
derived from backtesting exceptions for market risk risk-weighted assets remained
unchanged compared with the prior quarter, at 3.0. </font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td colspan=11 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Management value-at-risk
  (1-day, 95% confidence, 5 years of historical data) of our business divisions
  and</font></b></p>
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Group Functions by general
  market risk type<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=5 width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average by risk type</font></b></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=19% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Min.</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Max.</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Period end</font></b></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">rates</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">spreads</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">exchange</font></b></p>
  </td>
 <td valign=bottom width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Commodities</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; Corporate Banking</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset Management</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diversification effect<sup>2,3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total as of 31.12.20</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=19% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total as of 30.9.20</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Statistics at individual levels may not be summed to deduce
  the corresponding aggregate figures. The minima and maxima for each level may
  occur on different days, and, likewise, the VaR for each business line or
  risk type, being driven by the extreme loss tail of the corresponding
  distribution of simulated profits and losses for that business line or risk
  type, may well be driven by different days in the historical time series,
  rendering invalid the simple summation of figures to arrive at the aggregate
  total.&#160;&#160;&#160; 2 The difference between the sum of the standalone VaR for the
  business divisions and Group Functions and the VaR for the Group as a
  whole.&#160;&#160;&#160; 3 As the minima and maxima for different business divisions and
  Group Functions occur on different days, it is not meaningful to calculate a
  portfolio diversification effect.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As of 31&nbsp;December 2020, the interest
rate sensitivity of our banking book to a +1-basis-point parallel shift in
yield curves was negative USD&nbsp;27.2 million, compared with negative
USD&nbsp;26.8 million as of 30&nbsp;September 2020. The change in the interest rate
sensitivity was driven by a slightly longer euro equity duration, partially offset
by the increase in US dollar long-term market rates. The reported interest rate
sensitivity excludes the additional tier&nbsp;1 (AT1) capital instruments as
per FINMA Pillar 3 disclosure requirements, with a sensitivity of USD&nbsp;4.2
million per basis point, and our equity, goodwill and real estate, with a
modeled sensitivity of USD&nbsp;22.2 million per basis point, of which
USD&nbsp;5.6 million and USD&nbsp;15.9 million are attributable to the Swiss
franc and the US dollar portfolios, respectively. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The most adverse of the six FINMA interest
rate scenarios would be the &#8220;Parallel up&#8221; scenario, which would result in a
change in the economic value of equity of negative USD&nbsp;5.6 billion,
representing a pro forma reduction of 10.0% of tier&nbsp;1 capital, which would
be well below the regulatory outlier test of 15% of tier&nbsp;1 capital. The
immediate effect of the &#8220;Parallel up&#8221; scenario on tier&nbsp;1 capital as of 31&nbsp;December
2020 would be a reduction of 1.2%, or USD&nbsp;0.7 billion, arising from the
part of our banking book that is measured at fair value through profit or loss
and from the financial assets measured at fair value through other
comprehensive income. This scenario would, however, have a positive effect on
net interest income.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Interest rate risk in the banking book&#8221; in the &#8220;Market risk&#8221; section of our
Annual Report 2019</font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-style:normal;line-height:11.5pt;"> </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">for more information about the management
of interest rate risk in the banking book</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Sensitivity to interest rate movements&#8221; in the &#8220;Group performance&#8221; section
of this report for more information about the effects of increases in interest
rates on the equity, capital and net interest income of Global Wealth
Management and Personal &amp; Corporate Banking</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Interest rate risk &#8211; banking
  book</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">+1 bp</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Parallel up<sup>1</sup></font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Parallel down<sup>1</sup></font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Steepener<sup>2</sup></font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Flattener<sup>3</sup></font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Short-term up<sup>4</sup></font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Short-term down<sup>5</sup></font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">CHF</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.2)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(735.8)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;832.3&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(369.6)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;225.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(74.5)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;79.0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">EUR</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.9)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(164.9)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;163.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(73.1)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20.4)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.7)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">GBP</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42.0)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(31.7)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56.9&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(47.5)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20.7)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4,612.8)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,999.8&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(395.5)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(630.5)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,188.9)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,397.9&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.6)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(140.0)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.6&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.8&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(59.3)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(105.7)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.5&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total effect on economic
  value of equity as per Pillar 3 requirement as of 31.12.20</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27.2)&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5,604.8)&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,956.9&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(849.1)&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(394.1)&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,332.7)&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,435.2&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Additional tier 1 (AT1) capital instruments</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;815.1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(868.4)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92.8)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;272.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;573.6&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(599.0)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total including AT1 capital
  instruments as of 31.12.20</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(23.0)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4,789.7)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,088.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(942.0)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(121.2)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,759.1)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,836.2&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total effect on economic value of equity as per Pillar 3 requirement
  as of 30.9.20</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(26.8)&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5,611.7)&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,777.0&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(777.8)&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(497.8)&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,403.1)&nbsp;</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,456.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=41% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total including AT1 capital instruments as of 30.9.20</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22.2)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4,730.4)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,835.6&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(856.7)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(223.7)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,801.3)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,828.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Rates across all tenors move by &#177;150 bps for Swiss franc, &#177;200
  bps for euro and US dollar and &#177;250 bps for pound sterling.&#160;&#160;&#160; 2 Short-term
  rates decrease and long-term rates increase.&#160;&#160;&#160; 3 Short-term rates increase
  and long-term rates decrease.&#160;&#160;&#160; 4 Short-term rates increase more than
  long-term rates.&#160;&#160;&#160; 5 Short-term rates decrease more than long-term rates.</font></p>
  </td>
 </tr>
</table></div>











<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:6.0pt;">&nbsp;</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Country_risk"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">34</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_38"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Country
risk </font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Country_risk_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">The COVID-19 pandemic, and its impact on growth,
employment, debt dynamics and supply chains, remained the primary driver of
country risk, and we expect this to be the case for at least the near future. Case numbers continued to rise as many
countries experienced a second wave and new strains of the virus. We expect measures taken by governments
and central banks that are intended to support their economies to give rise to increased
sovereign risk.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">We remain
watchful of developments in Europe and political changes in a number of
countries. Our direct exposure to peripheral European countries is limited,
although we have significant country risk exposure to the major European
economies, including the UK, Germany and France. The UK <br clear=all>
formally left the EU on 31 January 2020 and at the end of December 2020 a
limited EU&#8211;UK deal was agreed that permits tariff-free flow of certain goods; however,
many aspects of the UK&#8211;EU relationship, including trade in services, will be
negotiated in the coming years.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">We continue to monitor potential trade
policy disputes, as well as economic and political developments, notably in
Hong Kong.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">A number of
emerging markets are facing economic, political and market pressures. Our exposure to emerging market
countries is well diversified.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;letter-spacing:-.1pt;line-height:11.5pt;">Refer to the &#8220;Risk management and control&#8221; section
of our Annual Report 2019 for more information</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:8.0pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=14 width=93% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Exposures to eurozone countries
  rated lower than AAA / Aaa by at least one major rating agency </font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=10 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid #74726F 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=1% style="height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking products, gross<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=16% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Traded products</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Trading inventory</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=15% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td valign=bottom width=1% style="height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=27% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Before</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net of</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Before</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net of</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net long per issuer</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net of</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net of</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">hedges</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Austria</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;198&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;197&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;616&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;616&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;851&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,665&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,664&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,364&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,342&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Belgium</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;412&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;412&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;285&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;869&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;869&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;580&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;580&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Finland</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;394&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;394&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,129&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,129&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">France</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,307&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,306&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,538&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,409&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,628&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,473&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,344&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,155&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,031&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Greece</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Ireland</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;609&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;580&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;269&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;938&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;909&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,089&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,021&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Italy</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,328&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,286&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;221&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;220&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,571&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,528&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,854&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,830&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Portugal</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;55&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;55&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Spain</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;579&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;481&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;184&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;822&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;724&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;841&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;749&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,027&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,002&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,096&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,071&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;984&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;957&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=27% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,311&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,107&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,035&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,905&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,561&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,907&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,573&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,081&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,711&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td colspan=15 valign=top width=100% style="border:none;height:3.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Before deduction of IFRS 9 ECL allowances and provisions.&#160;&#160;&#160; 2
  Represents aggregate exposures to Andorra, Cyprus, Estonia, Latvia,
  Lithuania, Malta, Monaco, Montenegro, San Marino, Slovakia and Slovenia.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:8.0pt;">&nbsp;</font></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Operational_risk"></a><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operational risk </font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="Operational_risk_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Operational resilience, conduct and
financial crime remain the key non-financial risk themes for UBS and the
financial services industry. Operational resilience also continues to be a
focus area for regulators globally, with a particular emphasis on measures
taken to respond to the COVID-19 pandemic. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">To address currently developing regulatory
requirements on resilience, we have established a global program to enhance our
existing capabilities. The existing resilience built into our operations and
the effectiveness of our business continuity management and operational risk
procedures (including those which apply to third-party service providers) have
been critical in handling the ongoing COVID-19 pandemic and have enabled us to
continue to serve our clients without material impact. We have maintained
stable operations while complying with governmental requirements regarding
containment that have been imposed in many of our principal locations, and we
remain focused on the safety and well-being of our staff.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Increases in the
sophistication of cyberattacks and frauds are being seen worldwide. To date, our
security controls, regular communications to help employees stay cybersafe
while working remotely, and
enhanced monitoring of cyber threats have been effective, with no significant
cyber incidents affecting us.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Remote working
arrangements can also lead to increased conduct risk, inherent risk of
fraudulent activities, potential increases in the number of suspicious
transactions, and increased information
security risks (in particular, regarding client identifying data and
unpublished price-sensitive information). Our increased monitoring and
supervision remain in place for remote working, including programs to educate
clients and employees on fraud risk, where our protocols for interaction to
mitigate this risk have been updated. We stay abreast of emerging trends in
order to deploy further mitigating activity as necessary.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">In addition to
the effects of COVID-19, financial crime (e.g., money laundering, terrorist
financing, sanctions violations, fraud, bribery and corruption) continues to
present a major risk, as technological innovation and geopolitical developments
increase the complexity of doing business and heightened regulatory attention
continues. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">The Office of
the Comptroller of the Currency issued a Cease and Desist Order against the
firm in May 2018 related to our US branch know-your-customer (KYC) and
anti-money-laundering (AML) programs. In response, we initiated an extensive program
for the purpose of ensuring sustainable remediation of US-relevant Bank Secrecy
Act / AML issues across all US legal entities. We have implemented significant
improvement measures in 2019 and 2020, and expect to continue implementing such
measures through the first half of 2021, which we believe will deliver the
planned enhancements to our AML controls. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">We continue to
focus on strategic enhancements for AML / KYC and sanctions programs on a
global scale to cope with evolving risk profiles and regulatory expectations,
including the exploration of new technologies and more sophisticated rules-based
monitoring, using self-learning systems to identify potentially suspicious
transactions and behavior.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:2.0pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="RG_MARKER_117174"></a><a name="RG_MARKER_117028"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">35</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_39"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Balance sheet,
 liquidity and funding management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Balance sheet, liquidity and funding
management<a name="Balance_sheet_narratives"></a><a name="RG_MARKER_117028_bclEnd"></a><a name="RG_MARKER_117174_bclEnd"></a></font></p>








<p style="margin-bottom:10.5pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Strategy_objectives"></a><a name="Balance_sheet_narratives_bclEnd"></a><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Strategy,
objectives and governance</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Strategy_objectives_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.2pt;line-height:11.5pt;">This section provides balance sheet,
liquidity and funding management information and should be read in conjunction
with the &#8220;Treasury management&#8221; section of our Annual Report 2019, which
provides more information about the Group&#8217;s strategy, objectives and governance
in connection with liquidity and funding management. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Balances provided in
this section represent quarter-end positions, unless indicated otherwise.
Intra-quarter balances fluctuate in the ordinary course of business and may
differ from quarter-end positions.</font></p>

<p style="margin-bottom:10.5pt;margin-left:0cm;margin-right:0cm;margin-top:10.5pt;"><a name="Assets_liquidity_mgmt"></a><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.0pt;">Assets and liquidity management</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Assets_liquidity_mgmt_bclEnd"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Balance sheet assets (31&nbsp;December
2020 vs 30&nbsp;September 2020)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.2pt;line-height:11.5pt;">As of 31&nbsp;December
2020, balance sheet assets totaled USD&nbsp;1,126 billion, an increase of USD&nbsp;61
billion compared with 30&nbsp;September 2020, of which currency effects accounted
for approximately USD&nbsp;24 billion, mainly driven by increases in lending
assets, trading portfolio assets, derivatives and cash collateral receivables
on derivative instruments, as well as cash and balances at central banks. This
was partly offset by a decrease in securities financing transactions at
amortized cost.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Lending assets increased by USD&nbsp;19 billion,
mainly reflecting currency effects as the US dollar depreciated during the
quarter, as well as increases in Lombard loans in Global Wealth Management.
Trading portfolio assets increased by USD&nbsp;17&nbsp;billion, mainly in our
Financing business in the Investment Bank, due to higher inventory levels held
to hedge client positions, as well as market-driven movements. Derivatives and
cash collateral receivables on derivative instruments increased by USD&nbsp;15 billion,
mainly in our Derivatives &amp; Solutions business in the Investment Bank, reflecting
market-driven increases in foreign exchange contracts due to the depreciation
of the US dollar, partly offset by roll-offs of foreign exchange contracts.
Cash and balances at central banks increased by USD&nbsp;9 billion, mainly driven
by currency effects, net cash inflows from customer deposits in Global Wealth
Management and Personal &amp; Corporate Banking, as well as net cash inflows
from securities financing transactions and issuances of commercial papers in
Group Treasury; these drivers were partly offset by higher funding consumption
in the Investment Bank.<a name="_Hlk53391737"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Brokerage receivables increased by USD&nbsp;4
billion, mainly reflecting higher lending to clients as they invested in the
market. Non-financial assets and financial assets for unit-linked investment
contracts increased by USD&nbsp;2 billion, mainly reflecting client-driven
increases on physical precious metal positions, as well as market-driven
movements on unit-linked investment contracts.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">These increases were partly offset by a
decrease in securities financing transactions at amortized cost of USD&nbsp;6 billion
in Group Treasury in order to provide funding to the Investment Bank.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Assets</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of </font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash and balances at central banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;158.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Lending<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;395.0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;375.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;339.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Trading portfolio<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125.4&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;127.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivatives and cash collateral receivables on derivative
  instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192.4&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;177.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;145.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Brokerage receivables</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost and fair value<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;95.1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;85.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-financial assets and financial assets for unit-linked
  investment contracts</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total assets</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972.2&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Consists of loans and advances to banks and customers.&#160;&#160;&#160; 2
  Consists of financial assets at fair value held for trading.&#160;&#160;&#160; 3 Consists of
  financial assets at fair value not held for trading, financial assets
  measured at fair value through other comprehensive income and other financial
  assets measured at amortized cost, but excludes financial assets for
  unit-linked investment contracts.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">36</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_40"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Liquidity coverage ratio</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the fourth quarter of 2020, the
UBS Group liquidity coverage ratio (LCR) decreased 2 percentage points to 152%,
remaining above the prudential requirement communicated by the Swiss Financial
Market Supervisory Authority (FINMA). </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The average LCR decrease was driven by increased
net cash outflows from higher customer deposit outflows, which were mostly
offset by increased high-quality liquid assets (HQLA) due to higher holdings of
liquidity buffer securities.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Treasury management&#8221; section of our Annual Report 2019 for more
information about liquidity management and the liquidity coverage ratio</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=73% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Liquidity coverage ratio</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=73% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average 4Q20<sup>1</sup></font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average 3Q20<sup>1</sup></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=73% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">High-quality liquid assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;214&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;211&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=73% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net cash outflows</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;141&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;137&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=73% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Liquidity coverage ratio (%)<sup>2</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;152&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;154&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=4 valign=top width=100% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Calculated based on an average of 63 data points in the fourth
  quarter of 2020 and 66 data points in the third quarter of 2020.&#160;&#160;&#160; 2
  Calculated after the application of haircuts and inflow and outflow rates, as
  well as, where applicable, caps on Level 2 assets and cash inflows.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="Liabilities_funding_mgmt"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Liabilities
and funding management</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="Liabilities_funding_mgmt_bclEnd"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Liabilities (31&nbsp;December 2020 vs 30&nbsp;September 2020)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total liabilities increased by USD&nbsp;61
billion to USD&nbsp;1,066 billion as of 31&nbsp;December 2020, </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.2pt;line-height:11.5pt;">of which currency effects accounted for
approximately USD&nbsp;21 billion, </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">driven mainly by increases in
customer deposits, derivatives and cash collateral payables on derivative
instruments, and short-term debt issued. This was partly offset by decreases in
trading portfolio liabilities.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Customer deposits increased by USD&nbsp;37 billion,
predominantly in Global Wealth Management and Personal &amp; Corporate Banking,
as a result of clients holding higher levels of cash, as well as currency
effects. Derivatives and cash collateral payables on derivative instruments
increased by USD&nbsp;15 billion, in line with the aforementioned movement in
derivative financial assets and cash collateral receivables. Short-term
borrowings increased by USD&nbsp;11 billion, driven by issuances of commercial paper
in Group Treasury.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">These increases were partly offset by a decrease
of USD&nbsp;3 billion in trading portfolio liabilities, reflecting decreases in
short positions to hedge client transactions.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Bondholder information&#8221; at</font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-style:normal;line-height:11.5pt;"> </font></b><b><i><font color=windowtext face="Frutiger 45 Light Bold" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;text-decoration:none;">ubs.com/investors&nbsp;</font></i></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-style:normal;line-height:11.5pt;"> </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">for more information about capital and
senior debt instruments </font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Liabilities and equity</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of </font></p>
  </td>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
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<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Short-term borrowings<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;103&nbsp;</font></p>
  </td>
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<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></p>
  </td>
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<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Customer deposits</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;524.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;487.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;448.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
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<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Long-term debt issued<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;153.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;153.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;155.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
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<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Trading portfolio<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36.8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivatives and cash collateral payables on derivative
  instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;198.4&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;183.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;152.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Brokerage payables</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial liabilities measured at amortized cost and fair
  value<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-financial liabilities and financial liabilities related to
  unit-linked investment contracts</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total liabilities</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,005.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;917.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Share capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Share premium</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Treasury shares</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.1)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.3)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Retained earnings</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;44&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total equity attributable to
  shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to non-controlling interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=52% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total liabilities and equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Consists of short-term debt issued measured at amortized cost
  and amounts due to banks.&#160;&#160;&#160; 2 Consists of long-term debt issued measured at
  amortized cost and debt issued designated at fair value. The classification
  of debt issued into short-term and long-term does not consider any early
  redemption features. Long-term debt issued also includes debt with a
  remaining time to maturity of less than one year.&#160;&#160;&#160; 3&nbsp;Consists of
  financial liabilities at fair value held for trading.&#160;&#160;&#160; 4 Consists of other
  financial liabilities measured at amortized cost and other financial
  liabilities designated at fair value, but excludes financial liabilities
  related to unit-linked investment contracts.&#160;&#160;&#160; 5&nbsp;Excludes other
  comprehensive income related to defined benefit plans and own credit, which
  is recorded directly in Retained earnings.</font></p>
  </td>
 </tr>
</table></div>



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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Balance sheet,
 liquidity and funding management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Equity (31&nbsp;December 2020 vs 30&nbsp;September 2020)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Equity attributable to shareholders increased
to USD&nbsp;59,517 million as of 31&nbsp;December 2020, from USD&nbsp;59,451
million as of 30&nbsp;September 2020. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total comprehensive income attributable to
shareholders was USD&nbsp;1,773 million, reflecting net profit of USD&nbsp;1,708
million and positive other comprehensive income (OCI) of USD&nbsp;65 million.
OCI mainly included positive OCI related to foreign currency translation of USD&nbsp;552
million, positive defined benefit plan OCI of USD&nbsp;86 million, negative
cash flow hedge OCI of USD&nbsp;360 million and negative OCI related to own
credit of USD&nbsp;211 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Distributions to shareholders reduced
retained earnings by USD&nbsp;649 million, reflecting 50% of the second
dividend tranche of USD&nbsp;0.365 per share. The other 50% was distributed
from the capital contribution reserve within share premium. Swiss tax law
effective 1&nbsp;January 2020 requires Switzerland-domiciled companies with
shares listed on a stock exchange to pay no more than 50% of dividends from
capital contribution reserves, with the remainder required to be paid from
retained earnings. Together with the first dividend tranche of USD&nbsp;0.365
per share paid on 7&nbsp;May 2020, the total dividend payment for the 2019
financial year was USD&nbsp;0.73 per share, or USD&nbsp;2,607 million.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Share premium decreased by USD&nbsp;568
million, mainly due to the aforementioned distribution of USD&nbsp;649 million
to shareholders from the capital contribution reserve of UBS&nbsp;Group&nbsp;AG.
This was partly offset by an increase of USD&nbsp;91 million related to
employee share-based compensation awards.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net treasury share activity decreased equity
attributable to shareholders by USD&nbsp;490 million. This was predominantly
due to purchases of&nbsp;USD&nbsp;502 million to hedge our share delivery
obligations related to employee share-based compensation and participation plans.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Group performance&#8221; section of this report for more information about
other comprehensive income</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">&nbsp;</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td width=78% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Pro forma net stable funding
  ratio</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=78% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion, except where
  indicated</font></i></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=78% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Available stable funding</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;563&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;539&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=78% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Required stable funding</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;473&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;461&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=78% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Pro forma net stable funding
  ratio (%)</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;119&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;117&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Net stable
funding ratio</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As of 31&nbsp;December 2020, our
estimated pro forma net stable funding ratio (NSFR) was 119%, an increase of 2
percentage points compared with 30&nbsp;September 2020. This reflected a USD&nbsp;24
billion increase in available stable funding, driven by higher customer
deposits and capital. This was offset by an increase in required stable funding
of USD&nbsp;12 billion, driven by an increase in loans to customers and trading
assets. </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In September 2020, the Swiss Federal Council
adopted an amendment to the Liquidity Ordinance for the implementation of the
net stable funding ratio (NSFR). The NSFR regulation was finalized in the
fourth quarter of 2020 with the release of the revised FINMA liquidity
circular. We are on schedule to implement the final regulation by July 2021.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Recent developments&#8221; section of this report for more information about
the finalization of the NSFR regulation</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Treasury management&#8221; section of our Annual Report 2019 for more
information about the net stable funding ratio</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name=offbalancesheet></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">38</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_42"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Off-balance sheet</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="offbalancesheet_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In
the normal course of business, we enter into transactions where, pursuant to
IFRS, the maximum contractual exposure may not be recognized in whole or in
part on our balance sheet. When we incur an obligation or become entitled to an
asset through these arrangements, we recognize them on the balance sheet. It
should be noted that in certain instances the amount recognized on the balance
sheet does not represent the full gain or loss potential inherent in such
arrangements.</font></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Off-balance sheet
(31&nbsp;December 2020 vs 30&nbsp;September 2020)</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">During the fourth quarter of 2020, guarantees
decreased by USD&nbsp;1 billion, mainly due to client activity in our Global
Banking business in the Investment Bank. Loan commitments remained broadly
stable. Forward starting reverse repurchase and repurchase agreements decreased
by USD&nbsp;2 billion and USD&nbsp;3 billion, respectively, mainly due to lower
activity in euro-denominated transactions in Group Treasury. Committed
unconditionally revocable credit lines increased by USD&nbsp;1 billion, mainly
driven by higher Lombard facilities in Global Wealth Management, as well as
higher credit lines, mainly for corporate clients in Personal &amp; Corporate
Banking.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td colspan=3 width=79% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Off-balance sheet<sup>1</sup></font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=68% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of</font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">% change from</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=68% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=68% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(7)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=68% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loan commitments<sup>2,3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41.4&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=68% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Forward starting reverse repurchase agreements<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(33)</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=68% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Forward starting repurchase agreements<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(86)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=68% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3</font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td colspan=6 valign=top width=100% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Starting with the fourth quarter of 2020, the notional values
  associated with loan commitments, as well as forward starting repurchase and
  reverse repurchase agreements, measured at fair value through profit or loss
  are presented together with notional values related to derivative instruments
  (which will be disclosed in the &quot;Consolidated financial statements&quot;
  section of the Annual Report 2020, available as of 5&nbsp;March 2021) and
  have been excluded from the table above. Prior periods in the table above
  have been amended to ensure comparability. The fair value of these
  instruments continue to be presented within derivative instruments.&#160;&#160;&#160; 2
  Guarantees and Loan commitments are shown net of sub-participations.&#160;&#160;&#160; 3 As
  of 31&nbsp;December 2020, an additional USD&nbsp;8.6 billion from fair valued
  commitments is included with the notional values related to derivative
  liabilities (30&nbsp;September 2020: USD&nbsp;9.1 billion).&#160;&#160;&#160; 4 As of
  31&nbsp;December 2020, an additional USD&nbsp;7.3 billion from fair valued
  forward starting reverse repurchase agreements is included with the notional
  values related to derivative assets and USD&nbsp;14.6 billion with notional
  values related to derivative liabilities (30&nbsp;September 2020:
  USD&nbsp;13.9 billion and USD&nbsp;23.0 billion, respectively).&#160;&#160;&#160; 5&nbsp;As
  of 31&nbsp;December 2020, an additional USD&nbsp;10.6 billion from fair
  valued forward starting repurchase agreements is included with the notional
  values related to derivative assets and USD&nbsp;4.2 billion with notional
  values related to derivative liabilities (30&nbsp;September 2020:
  USD&nbsp;28.2 billion and USD&nbsp;5.5 billion, respectively).</font></p>
  </td>
 </tr>
</table></div>










<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="RG_MARKER_117204"></a><a name="RG_MARKER_117058"></a><a name="RG_MARKER_117026"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">39</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_43"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Capital
management<a name="Capital_management"></a><a name="Capital_management_bclEnd"></a><a name="RG_MARKER_117026_bclEnd"></a><a name="RG_MARKER_117058_bclEnd"></a><a name="RG_MARKER_117204_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The disclosures in
this section are provided for UBS Group AG on a consolidated basis and focus on
key developments during the reporting period and information in accordance with
the Basel&nbsp;III framework, as applicable to Swiss systemically relevant banks
(SRBs). They should be read in conjunction with the &#8220;Capital management&#8221;
section of our Annual Report 2019, which provides more information about our
capital management objectives, planning and activities, as well as the Swiss
SRB total loss-absorbing capacity framework. Capital requirements effective
from 1&nbsp;January 2020 are provided on the next page.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Additional regulatory disclosures for UBS
Group AG on a consolidated basis will be provided in our 31&nbsp;December 2020
Pillar&nbsp;3 report. The Pillar&nbsp;3 report also includes information
relating to our significant regulated subsidiaries and sub-groups (UBS&nbsp;AG
standalone, UBS&nbsp;Switzerland&nbsp;AG standalone, UBS&nbsp;Europe&nbsp;SE
consolidated and UBS&nbsp;Americas&nbsp;Holding&nbsp;LLC consolidated) as of 31&nbsp;December
2020 and will be available as&nbsp;of 5&nbsp;March 2021 under &#8220;Pillar&nbsp;3
disclosures&#8221; at </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ubs.com/investors</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-style:normal;line-height:11.5pt;">.&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Capital and other regulatory information for
UBS&nbsp;AG consolidated in accordance with the Basel&nbsp;III framework, as
applicable to Swiss SRBs, will be provided in the combined UBS&nbsp;Group&nbsp;AG
and UBS&nbsp;AG Annual Report 2020, which will be available as of 5&nbsp;March
2021 under &#8220;Annual reporting&#8221; at</font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> </font></i><i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">ubs.com/investors.&nbsp;</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS Group AG is a holding company and
conducts substantially all of its operations through UBS&nbsp;AG and
subsidiaries thereof. UBS&nbsp;Group&nbsp;AG and UBS&nbsp;AG have contributed a
significant portion of their respective capital to, and provide substantial
liquidity to, such subsidiaries. Many of these subsidiaries are subject to
regulations requiring compliance with minimum capital, liquidity and similar
requirements.</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Swiss_SRB_requirements_and_info"></a><a name="Regulatory_framework"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">40</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_44"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">Swiss
SRB requirements and information<a name="Regulatory_framework_bclEnd"></a><a name="Swiss_SRB_requirements_and_info_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="Capital_requirements"></a><a name="_Hlk45549178"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">As of 1&nbsp;January
2020, we have fully phased in the going and gone concern requirements of the
Swiss Capital Adequacy Ordinance (the CAO) that include the too big to fail
provisions applicable to Swiss SRBs, <a name="_Hlk45549205"></a>which became effective on 1&nbsp;July 2016 and were phased
in until 1&nbsp;January 2020. Information about the Swiss SRB capital framework,
and about Swiss SRB going and gone concern requirements that were phased in
until the end of 2019, is provided in the &#8220;Capital management&#8221; section of our
Annual Report 2019</font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">.&nbsp;</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;"> &nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">With the CAO
having entered into force as of 1&nbsp;January 2020, instruments meeting gone
concern requirements continue to remain eligible until one year before
maturity; the previously applicable 50% haircut in the last year of eligibility
has been removed. Instead, now a maximum of 25% of the gone concern
requirements can be met with instruments that have a remaining maturity of
between one and two years (i.e., are in the last year of eligibility). Once at
least 75% of the gone concern requirement has been met with instruments that
have a remaining maturity of greater than two years, all instruments that have
a remaining maturity of between one and two years remain eligible to be
included in the total gone concern capital. Our gone concern instruments are
reasonably evenly distributed <br clear=all>
across maturities, with no major cliffs; therefore, this 25% restriction has
not affected us and we do not anticipate that it will affect us in the future. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">The aforementioned
requirements are also applicable to UBS&nbsp;AG consolidated. UBS&nbsp;Switzerland&nbsp;AG
and UBS&nbsp;AG are subject to going and gone concern requirements on a
standalone basis, as will be detailed in our 31&nbsp;December 2020 Pillar&nbsp;3
report, which will be available as of 5&nbsp;March 2021</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-style:normal;line-height:11.3pt;"> </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">under &#8220;Pillar&nbsp;3 disclosures&#8221; at </font><i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;text-decoration:none;">ubs.com/investors.&nbsp;</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.3pt;">The table on the next page provides the risk-weighted assets (RWA)-
and leverage ratio denominator (LRD)-based requirements and information as of 31&nbsp;December
2020, excluding the effects of the temporary exemption of central bank sight
deposits for the going concern leverage ratio calculation granted by <a name="_Hlk45028953"></a>the Swiss Financial Market Supervisory Authority (FINMA) on
25&nbsp;March 2020 in connection with COVID-19. The effects of the temporary
exemption are presented later in this section.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp;
&nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer to the &#8220;Recent developments&#8221; section
of our second quarter 2020 report for more information about COVID-19-related
regulatory and legal developments</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>


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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td colspan=7 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Swiss SRB going and gone concern requirements and information</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of 31.12.20</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; RWA</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; LRD<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">in %</font></b></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">in %</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Required going concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.96<sup>2</sup></font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,345&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.88<sup>2</sup></font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,561&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.66&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,914&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.38&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,004&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: minimum capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.50&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,010&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.50&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,557&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: buffer capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.14&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,860&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.88&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,447&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: countercyclical
  buffer</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.02&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Maximum additional tier 1
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.30&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,431&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.50&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,557&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: additional tier 1
  capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.50&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,119&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.50&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,557&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: additional tier 1 buffer
  capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.80&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,313&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible going concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.46&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.42&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.82&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.85&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  additional tier 1 capital<sup>3</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.63&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,288&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.57&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,288&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: high-trigger
  loss-absorbing additional tier 1 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.74&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,711&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.32&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,711&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: low-trigger
  loss-absorbing additional tier 1 capital </font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.89</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,577&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.25&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,577</font></i></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Required gone concern
  capital<sup>4</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total gone concern
  loss-absorbing capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.16&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29,367&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.64&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,724&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: base requirement</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.86&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,178&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.50&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46,672&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: additional
  requirement for market share and LRD</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.08&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,122&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.38&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,889&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: applicable
  reduction on requirements<sup>5</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.78)&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10,933)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.24)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12,838)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 15.5pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: rebate granted
  (equivalent to 47.5% of maximum rebate)<sup>5</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2.54)&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7,333)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.89)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9,237)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 15.5pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: reduction for
  usage of low-trigger tier 2 capital instruments<sup>5</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.25)&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3,600)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.35)&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3,600)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible gone concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total gone concern
  loss-absorbing capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.75&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,545&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.39&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,545&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total tier 2 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.68&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,744&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.75&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,744&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: low-trigger
  loss-absorbing tier 2 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.49&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,201&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.69&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,201&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: non-Basel
  III-compliant tier 2 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;543&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.05&nbsp;</font></i></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;543&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">TLAC-eligible senior
  unsecured debt</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.08&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,801&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.64&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,801&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Required total
  loss-absorbing capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.11&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69,713&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.51&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88,285&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible total
  loss-absorbing capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35.21&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;101,799&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.82&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;101,799&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets /
  leverage ratio denominator</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289,101&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037,150&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td colspan=7 valign=top width=100% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 LRD-based requirements and the LRD presented in this table do
  not reflect the effects of the temporary exemption that has been granted by
  FINMA in connection with COVID-19. Refer to the &#8220;Recent developments&#8221; section
  of our second quarter 2020 report and to the COVID-19-related information in
  this section.&#160;&#160;&#160; 2 Includes applicable add-ons of 1.08% for RWA and 0.375%
  for LRD.&#160;&#160;&#160; 3 Includes outstanding low-trigger loss-absorbing additional tier
  1 (AT1) capital instruments, which are available under the Swiss SRB
  framework to meet the going concern requirements until their first call date.
  As of their first call date, these instruments are eligible to meet the gone
  concern requirements.&#160;&#160;&#160; 4 From 1 January 2020 onward, a maximum of 25% of
  the gone concern&nbsp;requirements&nbsp;can be met with instruments that have
  a remaining maturity of between one and two years. Once at least 75% of the
  minimum gone concern requirement has been met with instruments that have a
  remaining maturity of greater than two years, all instruments that have a
  remaining maturity of between one and two years remain eligible to be
  included in the total gone concern capital.&#160;&#160;&#160; 5 The combined reduction
  applied for resolvability measures and the gone concern requirement reduction
  for the use of low-trigger loss-absorbing AT1 and low-trigger tier 2 capital
  instruments may not exceed 5.34 percentage points for the RWA-based
  requirement of 13.94% and 1.875&nbsp;percentage points for the LRD-based
  requirement of 4.875%.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>









<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">42</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_46"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Application of the temporary COVID-19-related FINMA exemption of
central bank sight deposits</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In line with the FINMA
exemption rules that apply until 1&nbsp;January 2021, the eligible LRD relief applicable
to UBS is reduced by the going concern LRD equivalent of the capital
distribution that UBS made for the financial year 2019. </font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The table below summarizes the effects on our
Swiss SRB going concern capital requirements and information. The FINMA
exemption rules have no effect on our Swiss SRB gone concern capital
requirements and ratios.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Outside of this section, for simplicity and
due to the short-term nature of the FINMA exemption, we have chosen to present the
LRD excluding the temporary FINMA exemption.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Swiss SRB going concern
  requirements and information including temporary FINMA exemption</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of 31.12.20</font></b></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">LRD</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">in %</font></b></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator
  before temporary exemption</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037,150&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effective relief</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(92,827)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: central bank sight
  deposits eligible for relief</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(146,308)&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: reduction of
  relief due to paid dividend distribution<sup>1</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,481&nbsp;</font></i></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator
  after temporary exemption</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;944,323&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Required going concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.88&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46,036&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.38&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31,871&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible going concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.96&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=81% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.23&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td colspan=4 valign=top width=100% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Represents the leverage ratio denominator equivalent to a
  4.875% going concern leverage ratio requirement applied to the 2019 paid
  dividend of USD 2,607 million (USD 0.365 per share, paid on 7 May 2020 and 27
  November 2020).</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="SRB_BaselIII_capital_info_UBS_Gro"></a><a name="Total_loss_absorbing_capacity"></a><a name="Capital_requirements_bclEnd"></a></p>
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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">43</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_47"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">Total loss-absorbing capacity<a name="Total_loss_absorbing_capacity_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The table below provides Swiss SRB
going and gone concern information based on the rules that are effective from 1&nbsp;January
2020 and does not reflect the
effects of the temporary exemption of central bank sight deposits from leverage
ratio calculation granted by FINMA in connection with COVID-19.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The effects of the
temporary exemption are presented on the previous page.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp;
&nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer to the &#8220;Recent developments&#8221;
section of our second quarter 2020 report for more information about COVID-19-related
regulatory and legal developments</font></b></p>













<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Swiss SRB going and gone
  concern information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td width=69% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:4.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible going concern
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,396&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51,842&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total tier 1 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,396&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51,842&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  additional tier 1 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,288&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,198&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,306&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: high-trigger
  loss-absorbing additional tier 1 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,711&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,661&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,892&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: low-trigger
  loss-absorbing additional tier 1 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,577&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,538&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,414&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eligible gone concern
  capital<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total gone concern
  loss-absorbing capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,545&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43,262&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,753&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total tier 2 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,744&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,675&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,431&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: low-trigger
  loss-absorbing tier 2 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,201&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,138&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,892&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: non-Basel
  III-compliant tier 2 capital</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;543&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;537&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;540&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">TLAC-eligible senior
  unsecured debt</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,801&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,587&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30,322&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;101,799&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;97,658&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;89,595&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets /
  leverage ratio denominator</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289,101&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283,133&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;259,208&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037,150&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994,366&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,322&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=69% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Capital and loss-absorbing
  capacity ratios (%)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital ratio</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.5&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: common equity tier
  1 capital ratio</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.8&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.5&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gone concern loss-absorbing capacity ratio</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.8&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.3&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity ratio</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.5&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.6&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=69% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratios (%)<sup>2</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.5&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: common equity tier
  1 leverage ratio</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.85&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.84&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.90&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gone concern leverage ratio</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.4&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.4&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity leverage ratio</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td colspan=5 valign=top width=100% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 As of 1 January 2020, instruments available to meet gone concern
  requirements remain eligible until one year before maturity without a haircut
  of 50% in the last year of eligibility. Refer to the &#8220;Total loss-absorbing
  capacity and movement&#8221; section of our first quarter 2020 report, available
  under &#8220;Quarterly reporting&#8221; at ubs.com/investors, for more information.&#160;&#160;&#160;
  2&nbsp;Leverage ratio denominators (LRDs) and leverage ratios for 31 December
  2020 and 30&nbsp;September&nbsp;2020 do not reflect the effects of the
  temporary exemption that has been granted by FINMA in connection with
  COVID-19. Refer to the &#8220;Recent developments&#8221; section of our second quarter
  2020 report and to the COVID-19-related information in this section.</font></p>
  </td>
 </tr>
</table></div>











<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">44</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_48"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total loss-absorbing capacity and movement </font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our total loss-absorbing capacity (TLAC) increased by USD&nbsp;4.1
billion to USD&nbsp;101.8 billion in the fourth quarter of 2020.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61709919"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Going concern
capital and movement</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">During
the fourth quarter of 2020, our going concern capital increased by USD&nbsp;1.9
billion to USD&nbsp;56.3 billion, primarily due to a USD&nbsp;1.8 billion
increase in our common equity tier 1 (CET1)
capital and a USD&nbsp;0.1 billion increase in our AT1 instruments, mainly reflecting
foreign currency translation effects. The increase in our CET1 capital was
mainly due to operating profit before tax <a name="_Hlk61887111"></a>of USD&nbsp;2.1
billion, foreign currency effects <a name="_Hlk61887128"></a>of USD&nbsp;0.6
billion and deferred tax assets on temporary differences <a name="_Hlk61887143"></a>of USD&nbsp;0.3 billion, partially offset by the
addition of USD&nbsp;0.5 billion to our capital reserve for potential share
repurchases, current tax expenses of USD&nbsp;0.3 billion and accruals for dividends.
</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61879802"></a><a name="_Hlk61887500"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As announced in 2018, UBS will pay the second installment to employees&#8217;
retirement assets in the Swiss pension fund of approximately USD&nbsp;0.2
billion in the first quarter of 2021, which will reduce our CET1 capital by the
same amount.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Note 29 Pension and other post-employment benefit plans&#8221; in the
&#8220;Consolidated financial statements&#8221; section of our Annual Report 2019 for more
information</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="_Hlk61710318"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Gone concern
loss-absorbing capacity and movement</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our total gone concern loss-absorbing
capacity increased by USD&nbsp;2.3 billion
to USD&nbsp;45.5 billion, mainly due to the
issuances <br clear=all>
of three TLAC-eligible senior unsecured debt instruments denominated in euro,
US dollars and Australian dollars, amounting to a total eligible amount of
USD&nbsp;1.9 billion, along with interest rate risk hedge, foreign currency
translation and other effects. This was partially offset by the call of a
TLAC-eligible senior unsecured debt instrument denominated in Australian
dollars, equivalent to USD&nbsp;0.1 billion.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Bondholder information&#8221; at</font></b><b><i><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;"> </font></i></b><b><i><font color=windowtext face="Frutiger 45 Light Bold" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;text-decoration:none;">ubs.com/investors&nbsp;</font></i></b><b><i><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;"> </font></i></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">for more information about the
eligibility of capital and senior unsecured debt instruments and about key
features and terms and conditions of capital instruments</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loss-absorbing capacity and leverage
ratios</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our CET1 capital ratio increased 0.3
percentage points to 13.8%, reflecting a USD&nbsp;1.8 billion increase in CET1
capital that was partly offset by a USD&nbsp;6.0 billion increase in
risk-weighted assets.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our CET1 leverage ratio (excluding the
above-mentioned FINMA exemption) increased slightly from 3.84% to 3.85% in the fourth
quarter of 2020, as the aforementioned increase in CET1 capital more than offset
the USD&nbsp;43 billion increase in the leverage ratio denominator (LRD).</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our gone concern loss-absorbing capacity
ratio increased from 15.3% to 15.8%, mainly driven by the
aforementioned increase in gone concern loss-absorbing capacity. Our gone
concern leverage ratio remained stable at 4.4% as the aforementioned increase
in gone concern loss-absorbing capacity offset the increase of the LRD.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="SRB_BaselIII_capital_info_UBS_Gro_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=70% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Reconciliation of IFRS equity
  to Swiss SRB common equity tier 1 capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=70% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total IFRS equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,836&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,744&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,675&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to non-controlling interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(319)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(293)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(174)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Defined benefit plans, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(41)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Deferred tax assets recognized for tax loss carry-forwards</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5,617)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5,948)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6,121)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Deferred tax assets on temporary differences, excess over
  threshold</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(235)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Goodwill, net of tax<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6,319)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6,259)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6,178)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Intangible assets, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(296)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(287)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(195)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Compensation-related components (not recognized in net profit)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,349)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,741)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,717)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Expected losses on advanced internal ratings-based portfolio
  less provisions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(330)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(265)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(495)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Unrealized (gains) / losses from cash flow hedges, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,321)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,659)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,260)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Own credit related to gains / losses on financial liabilities
  measured at fair value that existed at the balance sheet date</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;382&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;169&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;93&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Own credit related to gains / losses on derivative financial
  instruments that existed at the balance sheet date</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(45)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(59)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(46)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Unrealized gains related to debt instruments at fair value
  through OCI, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(152)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(155)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(32)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Prudential valuation adjustments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(150)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(156)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(104)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Accruals for dividends to shareholders for 2019</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,314)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,628)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Capital reserve for potential share repurchases</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,000)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,500)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,314)&nbsp;</font></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,080)&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=70% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total common equity tier 1
  capital</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></b></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=5 valign=top width=100% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes goodwill related to significant investments in
  financial institutions of USD 413 million as of 31 December 2020 (30 September
  2020: USD 398 million; 31 December 2019: USD 178 million) presented on the
  balance sheet line Investments in associates.&#160;&#160;&#160; 2&nbsp;Includes accruals for
  dividends to shareholders for the current year and other items.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Swiss SRB total loss-absorbing capacity movement</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=80% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=20% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Swiss SRB</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital
  as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit before tax</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Current tax (expense) / benefit</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(317)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation effects</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;603&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Deferred tax assets on temporary differences</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;261&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Capital reserve for potential share repurchases</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(500)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other<sup>1</sup></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(337)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital
  as of 31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39,966&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loss-absorbing additional
  tier 1 capital as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,198&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest rate risk hedge, foreign currency translation and other
  effects</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;90&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loss-absorbing additional
  tier 1 capital as of 31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,288&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital
  as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,396&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total going concern capital
  as of 31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56,254&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td nowrap valign=bottom width=80% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Gone concern loss-absorbing capacity</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tier 2 capital as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,675&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest rate risk hedge, foreign currency translation and other
  effects</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;68&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tier 2 capital as of
  31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,744&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">TLAC-eligible senior
  unsecured debt as of 30.9.20<sup>2</sup></font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,587&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Issuance of TLAC-eligible senior unsecured debt instruments</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,865&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Call of TLAC-eligible senior unsecured debt instruments</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(74)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest rate risk hedge, foreign currency translation and other
  effects</font></p>
  </td>
 <td width=20% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;423&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">TLAC-eligible senior
  unsecured debt as of 31.12.20<sup>2</sup></font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,801&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total gone concern
  loss-absorbing capacity as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43,262&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total gone concern
  loss-absorbing capacity as of 31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,545&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td nowrap valign=bottom width=80% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity as of 30.9.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;97,658&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=80% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing
  capacity as of 31.12.20</font></b></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;101,799&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td colspan=2 valign=top width=100% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes movements related to accruals for dividends for the
  current year and other items.&#160;&#160;&#160; 2 The partial cancellation of a
  TLAC-eligible senior unsecured debt instrument on 8 December 2020 (ISIN
  US90351DAD93 issued on 5 April 2016 and maturing on 15 April 2021), amounting
  to USD 150 million, did not affect our total TLAC-eligible senior unsecured
  debt as of 31 December 2020 as this instrument has not been eligible to meet
  gone concern requirements in its final year of eligibility since April 2020.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Additional_cap_info"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">46</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_50"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Additional
information<a name="Additional_cap_info_bclEnd"></a></font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Sensitivity to currency movements </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">Risk-weighted
assets</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">We
estimate that a 10% depreciation of the US dollar against other currencies
would have increased our RWA by USD&nbsp;13</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">billion and our CET1 capital by USD&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">1.3&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;"> billion as of 31&nbsp;December 2020 (30&nbsp;September
2020: USD&nbsp;12 billion and USD&nbsp;1.2 billion, respectively) and decreased
our CET1 capital ratio </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">15
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">basis points
(30&nbsp;September 2020: 14 basis points). Conversely, we estimate that a 10%
appreciation of the US dollar against other currencies would have decreased our
RWA by USD&nbsp;12 billion and our CET1 capital by USD&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">1.2&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;"> billion (30&nbsp;September 2020: USD&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">11 </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">billion and USD&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">1.1 </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">billion, respectively) and increased our CET1
capital ratio </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">15</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">&nbsp;basis points (30&nbsp;September 2020:
14 basis points).</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><i><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Leverage ratio denominator</font></i></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We estimate that a 10% depreciation
of the US dollar against other currencies would have increased our LRD by USD&nbsp;65 billion as of 31&nbsp;December 2020 </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">(30&nbsp;September 2020: USD&nbsp;63 billion) </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">and
decreased our Swiss SRB going concern leverage ratio 16 basis points (30&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">September 2020: 17 basis points)</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">.
Conversely, we estimate that a 10% appreciation of the US dollar against other
currencies would have decreased our LRD by USD&nbsp;58 billion </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">(30&nbsp;September
2020: USD&nbsp;57 billion) </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">and increased our Swiss SRB going concern
leverage ratio 16 basis points </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:.1pt;line-height:11.5pt;">(30&nbsp;September 2020: 18&nbsp;basis points)</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">.&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The aforementioned sensitivities do not
consider foreign currency translation effects related to defined benefit plans
other than those related to the currency translation of the net equity of
foreign operations.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Active management of sensitivity to currency movements&#8221; in the &#8220;Capital
management&#8221; section of our Annual Report 2019 for more information</font></b></p>

<font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="AMA_model_EN"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Estimated effect on capital from litigation, regulatory and similar
matters subject to provisions and contingent liabilities<a name="AMA_model_EN_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We have estimated the loss in capital
that we could incur as a result of the risks associated with the matters
described in &#8220;Provisions and contingent liabilities&#8221; in the &#8220;Consolidated
financial information&#8221; section of this report. We have used for this purpose
the advanced measurement approach (AMA) methodology that we use when
determining the capital requirements associated with operational risks, based
on a 99.9% confidence level over a 12-month horizon. The methodology takes into
consideration UBS and industry experience for the AMA operational risk
categories to which those matters correspond, as well as the external
environment affecting risks of these types, in isolation from other areas. On
this standalone basis, we estimate the maximum loss in capital that we could
incur over a 12-month period as a result of our risks associated with these
operational risk categories at USD&nbsp;4.0 billion
as of 31&nbsp;December 2020. This estimate is not related to and does not take
into account any provisions recognized for any of these matters and does not
constitute a subjective assessment of our actual exposure in any of these
matters.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Operational risk&#8221; in the &#8220;Risk management and control&#8221; section of our
Annual Report 2019 for more information</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Provisions and contingent liabilities&#8221; in the &#8220;Consolidated financial information&#8221;
section of this report for more information </font></b></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="RWA_UBS_Group"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">47</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_51"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">Risk-weighted assets <a name="RWA_UBS_Group_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">During the fourth quarter of 2020,
RWA increased by USD&nbsp;6.0 billion to USD&nbsp;289.1 billion, driven by an increase
from currency effects of USD&nbsp;4.7 billion, as well as an increase in asset
size and other movements of USD&nbsp;4.2 billion, partly offset by reductions
related to regulatory add-ons of USD&nbsp;1.6 billion and model updates of USD&nbsp;1.4
billion.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=9 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Movement in risk-weighted
  assets by key driver</font></b></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=39% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">RWA as of 30.9.20</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Currency</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">effects</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Methodology and policy changes</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Model updates / changes</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Regulatory add-ons</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset size and other<sup>1</sup></font></p>
  </td>
 <td valign=bottom width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">RWA as of 31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=39% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit and counterparty credit risk<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.3)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;178.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=39% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-counterparty-related risk<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23.4&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=39% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.4)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.8&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=39% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operational risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.8)&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75.8&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=39% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283.1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.7&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.4)&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.6)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=9 valign=top width=100% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes the Pillar 3 categories &#8220;Asset size,&#8221; &#8220;Credit quality
  of counterparties,&#8221; &#8220;Acquisitions and disposals&#8221; and &#8220;Other.&#8221; For more
  information, refer to our Pillar 3 report, which is available under &#8220;Pillar 3
  disclosures&#8221; at ubs.com/investors.&#160;&#160;&#160; 2 Includes settlement risk, credit
  valuation adjustments, equity exposures in the banking book and
  securitization exposures in the banking book.&#160;&#160;&#160; 3 Non-counterparty-related
  risk includes deferred tax assets recognized for temporary differences,
  property, equipment, software and other items.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Credit and
counterparty credit risk</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Credit and counterparty credit risk
RWA increased by USD&nbsp;5.7 billion to USD&nbsp;178.1 billion as of 31&nbsp;December
2020. The RWA movements described below exclude currency effects.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61511238"></a><a name="_Hlk52979147"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Asset size and other movements resulted in a USD&nbsp;1.3 billion increase
in RWA. </font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><a name="_Hlk52960598"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-GB style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp; </font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Global Wealth Management RWA increased by USD&nbsp;1.7 billion,
mainly due to higher RWA from loans and loan commitments. <a name="_Hlk61511211"></a></font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><a name="_Hlk53127906"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-GB style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp; </font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Investment Bank RWA decreased by USD&nbsp;1.3 billion, mainly due to
RWA decreases from loans as well as lower credit valuation adjustment RWA.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-GB style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Group Functions RWA increased
by USD&nbsp;0.4 billion.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-GB style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Personal &amp; Corporate Banking RWA increased by USD&nbsp;0.3 billion.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-GB style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Asset Management RWA increased by USD&nbsp;0.2
billion.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">Changes to credit ratings and loss given
default did not result in an increase in RWA during the fourth quarter of 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">An RWA reduction of USD&nbsp;0.3 billion
related to lower regulatory add-ons was partly offset by an RWA increase of USD&nbsp;0.2
billion related to methodology changes and model updates. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">We expect that further methodology changes
and model updates, as well as regulatory add-ons, will increase credit and
counterparty credit risk RWA by around USD&nbsp;</font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">2&nbsp;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">
billion in the first quarter of 2021. The extent and timing of RWA changes may
vary as methodology changes and model updates are completed and receive
regulatory approval. In addition, changes in the composition of the relevant
portfolios and other market factors will affect RWA.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Risk management and control&#8221; section of this report and to &#8220;Credit risk
models&#8221; in the &#8220;Risk management and control&#8221; section of our Annual Report 2019
for more information </font></b></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="RWA_Market_risk"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">48</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_52"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Market risk</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Market risk RWA increased by USD&nbsp;1.2
billion to USD&nbsp;11.8 billion in the fourth quarter of 2020, driven
primarily by an increase of USD&nbsp;2.5 billion in asset size and other
movements in the Investment Bank&#8217;s Global Markets business. This increase in turn
was driven by higher average stressed VaR (SVaR) levels, due to the portfolio
being in the 2019&#8211;2020 one-year look-back SVaR window for most of the fourth
quarter of 2020. As a result, the SVaR window included COVID-19-period shocks,
leading to very high credit shocks being applied against the long credit
inventory. The increase in model updates of USD&nbsp;0.2
billion mainly related to the ongoing parameter update of our VaR model. This
was partially offset by a decrease of USD&nbsp;1.4 billion in regulatory
add-ons, which reflected updates from the monthly risks-not-in-VaR assessment.<a name="_Hlk45299318"></a></font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Risk management and control&#8221; section of this report and to &#8221;Market
risk&#8221; in the &#8220;Risk management and control&#8221; section of our Annual Report 2019
for more information </font></b></p>

<b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operational risk</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Operational risk RWA
decreased by USD&nbsp;1.8 billion to USD&nbsp;75.8 billion as of 31 December
2020, driven by the annual recalibration of the advanced measurement approach
(AMA) model used for the calculation of operational risk capital.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to &#8220;Operational risk&#8221; in the &#8220;Risk management and control&#8221; section of our
Annual Report 2019 for information about the advanced measurement approach
model</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="RWA_Market_risk_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=8 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Risk-weighted assets by
  business division and Group Functions</font></b></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">RWA</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit and counterparty credit risk<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46.7&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62.8&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.9&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.5&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.2&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;178.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-counterparty-related risk<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operational risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32.8&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;289.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td valign=top width=42% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit and counterparty credit risk<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43.8&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60.5&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.6&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.7&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.7&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;172.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-counterparty-related risk<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operational risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.6&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.7&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;85.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70.3&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;92.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td valign=top width=42% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20 vs 30.09.20</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit and counterparty credit risk<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.9&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.3)&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.5&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Non-counterparty-related risk<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.2)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operational risk</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.8)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.6)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.9)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.8)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.8&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.0)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes settlement risk, credit valuation adjustments, equity
  exposures in the banking book and securitization exposures in the banking
  book.&#160;&#160;&#160; 2&nbsp;Non-counterparty-related risk includes deferred tax assets
  recognized for temporary differences (31&nbsp;December 2020: USD&nbsp;10.0
  billion; 30&nbsp;September 2020: USD&nbsp;9.4 billion), property, equipment,
  software and other items (31&nbsp;December 2020: USD&nbsp;13.4 billion;
  30&nbsp;September 2020: USD&nbsp;13.2 billion).</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="CM_LRD"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">49</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_53"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">Leverage ratio denominator<a name="CM_LRD_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">During the fourth quarter of 2020,
the LRD increased by USD&nbsp;43 billion to USD&nbsp;1,037 billion, driven by currency
effects of USD&nbsp;24 billion and asset size and other movements of USD&nbsp;18
billion. </font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=6 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Movement in leverage ratio
  denominator by key driver<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">LRD as of </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Currency </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">effects</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset size and </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">other</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">LRD as of </font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">On-balance sheet exposures (excluding derivative exposures and
  SFTs)<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;757.9&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.4&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.3&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;806.6&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative exposures</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98.7&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.4&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.5)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96.6&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;118.8&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.9&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.3)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;115.3&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet items</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31.9&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.3)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31.3&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Deduction items</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.9)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.8)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=57% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994.4&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.4&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.4&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td colspan=6 valign=top width=100% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 This table does not reflect the effects of the temporary
  exemption that has been granted by FINMA in connection with COVID-19. Refer
  to the &#8220;Recent developments&#8221; section of our second quarter 2020 report and to
  the COVID-19-related information in this section.&#160;&#160;&#160; 2 Excludes derivative
  financial instruments, cash collateral receivables on derivative instruments,
  cash collateral on securities borrowed, reverse repurchase agreements, margin
  loans and prime brokerage receivables related to securities financing
  transactions, which are presented separately under Derivative exposures and
  Securities financing transactions in this table.&#160;&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The LRD movements described below
exclude currency effects and do not reflect the effects of the temporary
exemption of central bank sight deposits granted by FINMA in connection with
COVID-19. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk53655264"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">On-balance sheet exposures
increased by USD&nbsp;29 billion, mainly driven by an increase in trading
assets in the Investment Bank and higher Lombard loans in Global Wealth
Management, as well as an increase in cash and balances with central banks in
Group Functions.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Derivative exposures decreased by USD&nbsp;5
billion, mainly reflecting higher exemption on exposures to qualifying
exchanges, lower potential future exposure and trade terminations.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Securities financing transactions decreased
by USD&nbsp;5 billion, mainly driven by trade roll-offs in order to provide
funding to the Investment Bank, partly offset by higher brokerage receivables
and an increase in collateral sourcing requirements. </font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Balance sheet, liquidity and funding management&#8221; section of this report
for more information about balance sheet movements.</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Recent developments&#8221; section of our second quarter 2020 report for more
information about COVID-19-related regulatory and legal developments, and to &#8220;Application
of the temporary COVID-19-related FINMA exemption of central bank sight
deposits&#8221; in this section</font></b></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">50</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=8 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Leverage ratio denominator by business division and Group
  Functions<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management </font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp;</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total </font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total IFRS assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;367.7&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;231.7&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.6&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;369.7&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128.1&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference in scope of consolidation<sup>2</sup></font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21.1)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21.2)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: derivative exposures and SFTs<sup>3</sup></font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34.0)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16.7)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.7)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(191.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(54.9)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(298.0)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">On-balance sheet exposures</font></b></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;333.6&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;215.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.7&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;178.0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;73.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;806.6&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative exposures</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.6&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;82.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46.5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;115.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet items</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.3&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Items deducted from Swiss SRB tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.2)&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.6)&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.3)&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.5)&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.8)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;248.3&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;315.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;96.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,037.1&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=42% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total IFRS assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;342.6&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;218.7&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28.7&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;349.5&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125.7&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065.2&nbsp;</font></p>
  </td>
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<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference in scope of consolidation<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20.6)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: derivative exposures and SFTs<sup>3</sup></font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29.9)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14.6)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.9)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(180.3)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(60.9)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(286.6)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">On-balance sheet exposures</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;312.5&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;204.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;169.2&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;757.9&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative exposures</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81.3&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25.6&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;118.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet items</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.9&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Items deducted from Swiss SRB tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.2)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5.8)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12.9)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;346.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;235.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.5&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;312.6&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94.0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994.4&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20 vs 30.9.20</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total IFRS assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25.1&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.0&nbsp;</font></p>
  </td>
 <td width=10% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.2&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.4&nbsp;</font></p>
  </td>
 <td width=9% style="border-bottom:dotted #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference in scope of consolidation<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.5)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.5)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: derivative exposures and SFTs<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2.0)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11.4)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11.4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">On-balance sheet exposures</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10.9&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.5)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.8&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48.7&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative exposures</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.4)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.3)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2.7)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2.1)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.5&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.2)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6.7)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.2)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet items</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.5&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.6)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.4)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.6)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Items deducted from Swiss SRB tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.1)&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.3&nbsp;</font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.2&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.7)&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.9&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.3&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;42.8&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 This table does not reflect the effects of the temporary
  exemption that has been granted by FINMA in connection with COVID-19. Refer
  to the &#8220;Recent developments&#8221; section of our second quarter 2020 report and to
  the COVID-19-related information in this section for more information.&#160;&#160;&#160; 2
  Represents the difference between the IFRS and the regulatory scope of
  consolidation, which is the applicable scope for the LRD calculation.&#160;&#160;&#160; 3
  Consists of derivative financial instruments, cash collateral receivables on derivative
  instruments, receivables from securities financing transactions, and margin
  loans, as well as prime brokerage receivables and financial assets at fair
  value not held for trading, both related to securities financing
  transactions, in accordance with the regulatory scope of consolidation, which
  are presented separately under Derivative exposures and Securities financing
  transactions.&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Equity_attribution_and_return"></a><a name="RG_MARKER_117175"></a><a name="RG_MARKER_117037"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">51</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_55"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Capital management</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:normal;">Equity attribution and return on attributed equity<a name="Equity_attribution_and_return_bclEnd"></a><a name="RG_MARKER_117037_bclEnd"></a><a name="RG_MARKER_117175_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Under our equity attribution
framework, tangible equity is attributed based on a weighting of 50% each for
average risk-weighted assets (RWA) and average leverage ratio denominator
(LRD), which both include resource allocations from Group Functions to the
business divisions (the BDs). Average RWA and LRD are converted to common
equity tier 1 (CET1) capital equivalents using capital ratios of 12.5% and
3.75%, respectively. If the attributed tangible equity calculated under the
weighted-driver approach is less than the CET1 capital equivalent of risk-based
capital (RBC) for any BD, the CET1 capital equivalent of RBC is used as a floor
for that BD.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In addition to tangible equity, we allocate
equity to the BDs to support goodwill and intangible assets.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Furthermore, we allocate to the BDs
attributed equity related to certain CET1 deduction items, such as
compensation-related <br clear=all>
components and expected losses on advanced internal ratings-based portfolio
less general provisions.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We attribute all remaining Basel III capital
deduction items to Group Functions. These items include deferred tax assets
(DTAs) recognized for tax loss carry-forwards and DTAs on temporary differences
in excess of the threshold, which together constitute the largest component,
dividend accruals and unrealized gains from cash flow hedges.</font></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Capital management&#8221; section of our Annual Report 2019 for more
information about the equity attribution framework</font></b></p>

<p style="margin-bottom:0cm;margin-left:19.85pt;margin-right:0cm;margin-top:0cm;text-indent:-8.5pt;"><font face="Frutiger 45 Light Bold" style="position:relative;top:-1.0pt;"><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:12.0pt;font-weight:normal;line-height:11.5pt;">&#8250;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;font-weight:normal;line-height:11.5pt;">&nbsp; &nbsp;</font></font><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:11.5pt;">Refer
to the &#8220;Balance sheet, liquidity and funding management&#8221; section of this report
for more information about movements in equity attributable to shareholders</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Average attributed equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=30% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD billion</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.7&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.4&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.1&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; Corporate Banking</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.9&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset Management</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.1&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.8&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.6&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.7&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.6&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.0&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.4&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: deferred tax
  assets<sup>1</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.5&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.7&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.7&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.1&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: related to
  retained RWA and LRD<sup>2,3</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.5&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.5&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.6&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.4&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.8&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=50% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: defined benefit
  plans</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.0&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.1&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.1&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.5&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: accruals for
  shareholder returns and others<sup>4</sup></font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.0&nbsp;</font></i></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.9&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.1&nbsp;</font></i></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=50% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average equity attributed to
  business divisions and Group Functions</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59.5&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.2&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;55.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57.8&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Includes average attributed equity related to the Basel III
  capital deduction items for deferred tax assets (deferred tax assets
  recognized for tax loss carry-forwards and deferred tax assets on temporary
  differences, excess over threshold), as well as retained RWA and LRD related
  to deferred tax assets.&#160;&#160;&#160; 2 Excludes average attributed equity related to
  retained RWA and LRD related to deferred tax assets.&#160;&#160;&#160; 3 Temporary
  exemptions granted by FINMA until 1 January 2021 are not considered for
  average attributed equity. Refer to &#8220;COVID-19-related regulatory and legal
  developments&#8221; in the &#8220;Recent developments&#8221; section of our second quarter 2020
  report for more information about the temporary exemptions granted by
  FINMA.&#160;&#160;&#160; 4 The increase in attributed equity related to accruals for
  shareholder returns and others compared with the fourth quarter of 2019 is
  mainly driven by unrealized gains from cash flow hedges and the capital
  reserve for potential share repurchases. The increase compared with the third
  quarter of 2020 is mainly driven by the capital reserve for potential share
  repurchases.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 width=81% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Return on attributed equity<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=31% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">In %</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=9% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth Management</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.1&nbsp;</font></b></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.3&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.5&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24.0&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; Corporate Banking</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.6&nbsp;</font></b></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.9&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.5&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.2&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset Management</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.9&nbsp;</font></b></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;147.5&nbsp;</font></p>
  </td>
 <td width=10% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40.3&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.2&nbsp;</font></p>
  </td>
 <td width=9% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=49% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.8&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.9&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.7)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.7&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=8 valign=top width=100% style="background:white;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Return on attributed equity for Group Functions is not shown,
  as it is not meaningful.</font></p>
  </td>
 </tr>
</table></div>










<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="UBS_shares"></a><a name="RG_MARKER_117176"></a><a name="RG_MARKER_117025"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">52</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_56"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">UBS shares<a name="RG_MARKER_117025_bclEnd"></a><a name="RG_MARKER_117176_bclEnd"></a><a name="UBS_shares_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="UBS_Group_AG_shares"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS
Group AG shares are listed on the SIX Swiss Exchange (SIX). They are also
listed on the New York Stock Exchange (the NYSE) as global registered shares.
Each share has a par value of CHF&nbsp;0.10 per share. Shares issued were
unchanged in the fourth quarter of 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.5pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We held 307
million shares as of 31&nbsp;December 2020, of which 159 million shares are
primarily held to hedge our share delivery obligations related to employee
share-based compensation and participation plans. The remaining 149 million
shares had been acquired under our share repurchase program for cancelation
purposes. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="UBS_Group_AG_shares_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Treasury
shares held increased by 36 million shares in the fourth quarter of 2020,
mainly due to purchases of shares to hedge our future share delivery
obligations.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="UBS_AG_shares"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">UBS Group AG share information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Shares issued</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Treasury shares</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;307,477,002&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;271,111,411&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;243,021,296&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;307,477,002&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;243,021,296&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: related to share repurchase
  program</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,975,800&nbsp;</font></i></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,975,800&nbsp;</font></i></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;117,706,540&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,975,800&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;117,706,540&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Shares outstanding</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,551,578,393&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,587,943,984&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,616,034,099&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,551,578,393&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,616,034,099&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Basic earnings per share (USD)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.48&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.58&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.85&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.17&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted earnings per share (USD)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.46&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.56&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.79&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Basic earnings per share (CHF)<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.43&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.53&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.72&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.17&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted earnings per share (CHF)<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.41&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.52&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.67&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to shareholders (USD million)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,451&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: goodwill and intangible assets (USD million)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,480&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,428&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,469&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,480&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,469&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tangible equity attributable to shareholders (USD million)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,037&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,023&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48,032&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,037&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48,032&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total book value per share (USD)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.76&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.57&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.07&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.76&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15.07&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tangible book value per share (USD)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.93&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.78&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.28&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.93&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.28&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Share price (USD)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.08&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.18&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.63&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.08&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.63&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Market capitalization (USD million)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,013&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,113&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,661&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50,013&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45,661&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Refer to &#8220;Earnings per share (EPS) and shares outstanding&#8221; in
  the &#8220;Consolidated financial information&#8221; section of this report for more
  information.&#160;&#160;&#160; 2 Basic and diluted earnings per share in Swiss francs are
  calculated based on a translation of net profit / (loss) under our US dollar
  presentation currency.&#160;&#160;&#160; 3 Represents the share price as listed on the SIX
  Swiss Exchange, translated to US dollars using the closing exchange rate as
  of the respective date.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="UBS_AG_shares_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=4 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Ticker symbols UBS Group AG</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=19% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=21% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Trading exchange</font></b></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">SIX / NYSE</font></b></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bloomberg</font></b></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Reuters</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">SIX Swiss Exchange</font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBSG</font></p>
  </td>
 <td nowrap width=21% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBSG SW</font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBSG.S</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=44% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">New York Stock Exchange</font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS</font></p>
  </td>
 <td width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS UN</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS.N</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=3 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ISIN</font></p>
  </td>
 <td width=18% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=36% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">CH0244767585</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Valoren</font></p>
  </td>
 <td width=18% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=36% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">24 476 758</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">CUSIP</font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=36% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">CINS H42097 10 7</font></b></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>









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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:28.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:70.0pt;line-height:70.0pt;">Consolidated financial information<a name="RG_MARKER_117020_bclEnd"></a><a name="RG_MARKER_117445_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font style="height:173px;margin-left:0px;margin-top:29px;position:absolute;width:643px;">

<table cellpadding=0 cellspacing=0 border=0 style="width:100%;">
 <tr>
  <td>
<div style="padding:3.6pt 7.2pt 3.6pt 7.2pt;">
    <p style="margin:0cm;margin-bottom:.0001pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:12.0pt;">Unaudited</font></p>
    <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
    <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Information in
    this section is presented for UBS Group AG on a consolidated basis unless
    otherwise specified. In preparing this financial information, the same
    accounting policies and methods of computation have been applied as in the
    UBS Group AG consolidated annual Financial Statements for the period ended
    31 December 2019, except for the changes described in &#8220;Note 1 Basis of
    accounting&#8221; in the &#8220;Consolidated financial statements&#8221; section of the
    first, second and third quarter 2020 reports, and in the &#8220;Recent
    developments&#8221; section of this report. The financial information presented
    is unaudited and does not constitute financial statements prepared in
    accordance with International Financial Reporting Standards (IFRS).</font></p>
    <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
    <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>
    </div>

    </td>
 </tr>
<tr>
  <td colspan=1 style="border:none;">&nbsp;</td>
 </tr>
</table>

</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:16.0pt;line-height:20.0pt;">&#160;&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:20.0pt;">&nbsp;</font></p>










<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Interim_ConsoFS_UBSGroupAG"></a><a name="RG_MARKER_117180"></a><a name="RG_MARKER_117031"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:30.0pt;">UBS Group
AG i<a name="RG_MARKER_117031_bclEnd"></a><a name="RG_MARKER_117180_bclEnd"></a>nterim consolidated
financial information (unaudited)<a name="Interim_ConsoFS_UBSGroupAG_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=6% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest income from financial instruments measured at amortized
  cost and fair value through</font></p>
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">other comprehensive income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,111&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,111&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,566&nbsp;</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,810&nbsp;</font></p>
  </td>
 <td valign=bottom width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,684&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Interest expense from financial instruments measured at
  amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(857)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(912)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,578)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4,247)&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7,194)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income from financial instruments measured at fair
  value through profit or loss</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;368&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;318&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;273&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,299&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,011&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net interest income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,622&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,517&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,262&nbsp;</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,862&nbsp;</font></p>
  </td>
 <td valign=bottom width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other net income from financial instruments measured at fair
  value through profit or loss</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,453&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,769&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,381&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,960&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,842&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Credit loss (expense) / release</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(89)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(694)&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(78)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fee and commission income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,543&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,211&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,856&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20,961&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,110&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Fee and commission expense</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(459)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(440)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(458)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,775)&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,696)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net fee and commission income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,084&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,771&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,398&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,186&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,413&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;967&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,076&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;212&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,117&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,935&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,052&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,390&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28,889&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personnel expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,989&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,631&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,902&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,224&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,084&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">General and administrative expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,444&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,173&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,618&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,813&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,288&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Depreciation and impairment of property, equipment and software</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;617&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;538&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;480&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,069&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,765&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Amortization and impairment of goodwill and intangible assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;175&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,163&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,312&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,578&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;928&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,226&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,577&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Tax expense / (benefit)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;341&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;485&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;200&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,583&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,267&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,717&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,094&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;727&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,644&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,310&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to non-controlling interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)
  attributable to shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=63% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=1% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=7% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 <td nowrap width=6% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Earnings per share (USD)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Basic</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.48&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.58&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.85&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.17&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.46&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.56&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.79&nbsp;</font></p>
  </td>
 <td width=6% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.14&nbsp;</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Statement_ComprehensiveIncome"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">56</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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<DIV bclHeader>

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</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:1.0pt;"></font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Statement of comprehensive
  income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
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 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Comprehensive income
  attributable to shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income
  that may be reclassified to the income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation movements related to net assets of
  foreign operations, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,143&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;782&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;723&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,103&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;200&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effective portion of changes in fair value of hedging
  instruments designated as net investment hedges, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(539)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(343)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(343)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(936)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(134)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation differences on foreign operations
  reclassified to the income statement</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;52&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effective portion of changes in fair value of hedging
  instruments designated as net investment hedges reclassified to
  the&nbsp;income&nbsp;statement</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to foreign currency translations, including
  the impact of net investment hedges</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(52)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(67)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal foreign currency translation, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;552&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;428&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;380&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,095&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets measured at
  fair value through other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net unrealized gains / (losses), before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;223&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;189&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Realized gains reclassified to the income statement from equity</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Realized losses reclassified to the income statement from equity</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to net unrealized gains / (losses)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(48)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(41)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal financial assets measured at fair value through other
  comprehensive income, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;136&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;117&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash flow hedges of interest
  rate risk</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effective portion of changes in fair value of derivative
  instruments designated as cash flow hedges, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(191)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(41)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(545)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,012&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,571&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net (gains) / losses reclassified to the income statement from
  equity</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(256)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(240)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(82)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(770)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(175)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to cash flow hedges</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;52&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;121&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(231)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(253)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal cash flow hedges, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(360)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(229)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(506)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,011&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,143&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost of hedging</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Change in fair value of cost of hedging, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(46)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Amortization of initial cost of hedging to the income statement</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to cost of hedging</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal cost of hedging, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total other comprehensive
  income that may be reclassified to the income statement, net of tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;191&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(137)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,230&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,363&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income
  that will not be reclassified to the income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Defined benefit plans</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gains / (losses) on defined benefit plans, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,475)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(327)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(146)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to defined benefit plans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;49&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;461&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;109&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(41)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal defined benefit plans, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;44&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,015)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(218)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(186)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Own credit on financial
  liabilities designated at fair value</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gains / (losses) from own credit on financial liabilities
  designated at fair value, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(211)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(144)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(147)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(293)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(400)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to own credit on financial liabilities
  designated at fair value</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal own credit on financial liabilities designated at fair
  value, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(211)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(144)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(147)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(293)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(392)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total other comprehensive
  income that will not be reclassified to the income statement, net of tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(126)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(100)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,162)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(511)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(578)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total other comprehensive
  income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;65&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,299)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,719&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;785&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income
  attributable to shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,773&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,173&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,577)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,348&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,089&nbsp;</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Statement_ComprehensiveIncome_bclEnd"></a><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">57</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_61"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Statement of comprehensive income (continued)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Comprehensive income
  attributable to non-controlling interests</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income
  that will not be reclassified to the income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation movements, before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Income tax relating to foreign currency translation movements</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Subtotal foreign currency translation, net of tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total other comprehensive
  income that will not be reclassified to the income statement, net of tax</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income
  attributable to non-controlling interests</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=63% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income </font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,717&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,094&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;727&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,644&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,310&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,295)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,740&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;781&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: other
  comprehensive income that may be reclassified to the income statement</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;191&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;179&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(137)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,230&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,363&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: other
  comprehensive income that will not be reclassified to the income statement</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(108)&nbsp;</font></i></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(93)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,158)&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(490)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(582)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=63% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,799&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,180&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,567)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,384&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,091&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:37.5pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:37.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Balance_Sheet"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">58</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_62"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:1.0pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Balance sheet</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=59% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Assets</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash and balances at central banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;158,231&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149,176&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107,068&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,444&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,677&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,447&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Receivables from securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74,210&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80,379&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84,245&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash collateral receivables on derivative instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,737&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31,172&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,289&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;379,528&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;360,985&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;326,786&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,194&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,150&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22,980&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial assets
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;687,345&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;663,537&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;576,815&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets at fair value held for trading</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125,397&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108,158&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;127,514&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: assets pledged as
  collateral that may be sold or repledged by counterparties</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,098&nbsp;</font></i></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46,106&nbsp;</font></i></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41,285&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative financial instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;159,617&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;146,039&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;121,841&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Brokerage receivables</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,659&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20,930&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,007&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets at fair value not held for trading</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80,364&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;78,730&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83,944&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial assets
  measured at fair value through profit or loss</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;390,037&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353,857&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;351,307&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets measured at
  fair value through other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,258&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,828&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,345&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investments in associates</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,557&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,483&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,051&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Property, equipment and software</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,109&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,911&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,804&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Goodwill and intangible assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,480&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,428&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,469&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Deferred tax assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,212&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,210&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,548&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other non-financial assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,768&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,897&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,856&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=59% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total assets</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,765&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065,153&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972,194&nbsp;</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Balance_Sheet_bclEnd"></a><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_63"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Balance sheet (continued)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
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  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=58% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Liabilities</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Amounts due to banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11,050&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,933&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,570&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Payables from securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,321&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,959&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,778&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash collateral payables on derivative instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,312&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,848&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31,415&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Customer deposits</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;524,605&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;487,877&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;448,284&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Debt issued measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;139,232&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;130,292&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;110,497&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial liabilities measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,729&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,396&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,712&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial liabilities
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;728,250&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;681,305&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;614,256&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial liabilities at fair value held for trading</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33,595&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,843&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30,591&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Derivative financial instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;161,102&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;145,179&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;120,880&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Brokerage payables designated at fair value</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,742&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,938&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,233&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Debt issued designated at fair value</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;61,243&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60,323&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;66,809&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial liabilities designated at fair value</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30,387&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30,689&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,940&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial liabilities
  measured at fair value through profit or loss</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;325,069&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;311,972&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;291,452&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,756&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,685&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,974&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other non-financial liabilities</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,854&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,448&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,837&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total liabilities</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065,928&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,005,409&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;917,519&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=58% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Share capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;338&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;338&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;338&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Share premium</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,753&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,321&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,064&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Treasury shares</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4,068)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3,578)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3,326)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Retained earnings</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,847&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,936&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34,122&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income recognized directly in equity, net of
  tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,647&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,435&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,303&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to
  shareholders</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,517&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,451&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,501&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to non-controlling interests</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;319&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;293&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;174&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,836&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;59,744&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,675&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total liabilities and equity</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,765&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,065,153&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;972,194&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="EPS_shares_outstanding"></a><a name="RG_MARKER_117190"></a><a name="RG_MARKER_117046"></a><a name="RG_MARKER_117027"></a><a name="RG_MARKER_117027_bclEnd"></a><a name="RG_MARKER_117046_bclEnd"></a><a name="RG_MARKER_117190_bclEnd"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">60</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_64"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;"></font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_c55b3c98913948c48def841d5"></a><a name="EPS_shares_outstanding_bclEnd"></a><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Earnings per share (EPS) and shares outstanding<a name="XBRL_TS_c55b3c98913948c48def841d5_bclEnd"></a></font></b></p>

</div>


<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=33% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=20% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=10% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=45% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Basic earnings (USD million)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=45% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted earnings (USD
  million)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,629&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Less: (profit) / loss on own equity derivative contracts</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders for diluted EPS</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,628&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,304&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=45% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Weighted average shares
  outstanding</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Weighted average shares outstanding for basic EPS<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,568,989,134&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,587,340,552&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,620,301,872&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,583,176,189&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,663,278,238&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Effect of dilutive potential shares resulting from notional
  shares, in-the-money options and warrants outstanding<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;145,097,302&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128,915,499&nbsp;</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;111,621,088&nbsp;</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;123,852,137&nbsp;</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;103,881,600&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Weighted average shares outstanding for diluted EPS</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,714,086,436&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,716,256,051&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,731,922,960&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,707,028,326&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,767,159,838&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=45% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Earnings per share (USD)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Basic</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.48&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.58&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.20&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.85&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.17&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Diluted </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.46&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.56&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.19&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.79&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.14&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=45% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Shares outstanding and
  potentially dilutive instruments</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Shares issued</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,859,055,395&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Treasury shares</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;307,477,002&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;271,111,411&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;243,021,296&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;307,477,002&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;243,021,296&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Shares outstanding</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,551,578,393&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,587,943,984&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,616,034,099&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,551,578,393&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,616,034,099&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=45% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Potentially dilutive instruments<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,326,517&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29,833,221&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,578,671&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,951,517&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,632,879&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The weighted average shares outstanding for basic EPS are
  calculated by taking the number of shares at the beginning of the period,
  adjusted by the number of shares acquired or issued during the period,
  multiplied by a time-weighted factor for the period outstanding. As a result,
  balances are affected by the timing of acquisitions and issuances during the
  period.&#160;&#160;&#160; 2 The weighted average number of shares for notional employee
  awards with performance conditions reflects all potentially dilutive shares
  that are expected to vest under the terms of the awards.&#160;&#160;&#160; 3 Reflects
  potential shares that could dilute basic earnings per share in the future,
  but were not dilutive for the periods presented. It mainly includes equity
  derivative contracts.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_413d94b190b74204b8d51249d"></a><a name="Expected_credit_loss"></a><a name="EPS_shares_outstanding_0"></a><a name="RG_MARKER_126512"></a><a name="RG_MARKER_126511"></a><a name="RG_MARKER_126511_bclEnd"></a><a name="RG_MARKER_126512_bclEnd"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">61</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_65"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;"></font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_cb658941b2144ffa80fab0ed8"></a><a name="EPS_shares_outstanding_0_bclEnd"></a><a name="Expected_credit_loss_bclEnd"></a><a name="XBRL_TS_413d94b190b74204b8d51249d_bclEnd"></a><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">a) Credit <a name="XBRL_TS_cb658941b2144ffa80fab0ed8_bclEnd"></a>loss
expense </font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_413a3fc252f74727981a79ea0"></a><a name="_Hlk45281421_0"></a><a name="_Hlk45645279"></a><a name="_Hlk61595509"></a><a name="_Hlk45131430"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Total net credit loss expenses were USD&nbsp;66 million in the fourth
quarter of 2020, reflecting a USD&nbsp;33 million net release of credit losses related
to stage&nbsp;1 and 2 positions and USD&nbsp;99 million of net credit loss expenses
related to credit-impaired (stage&nbsp;3) positions. Total net credit loss
expenses included USD&nbsp;64 million in the Investment Bank related to an
exposure to a client in the travel sector that became impaired during the
quarter.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="_Hlk61554808"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The USD&nbsp;33
million stage&nbsp;1 and 2 net release included a transfer of USD&nbsp;17 million
in the Investment Bank from stage&nbsp;2 into stage&nbsp;3 related to the
aforementioned travel sector client exposure and a USD&nbsp;16 million net release
from a combination of book quality and book size movements, as well as model
updates.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Stage&nbsp;3 net credit loss expenses were USD&nbsp;99
million. In the Investment Bank, stage&nbsp;3 net expenses of USD&nbsp;108
million were recognized with </font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">USD&nbsp;81 million related
to the aforementioned travel sector client exposure</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">. In Personal &amp;
Corporate Banking, stage&nbsp;3 net releases of USD&nbsp;15 million were
recognized on a number of smaller positions across the portfolios. <a name="XBRL_TS_413a3fc252f74727981a79ea0_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Credit loss (expense) / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:28.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Wealth </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended
  31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(108)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(99)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(91)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(66)&nbsp;</font></b></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:28.5pt;">
  <td valign=bottom width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Wealth </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Corporate </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Banking</font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Management</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Bank</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group </font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Functions</font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:28.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended
  31.12.20</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stages 1 and 2</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(48)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(129)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(88)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(266)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(128)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(217)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(429)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=35% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total credit loss (expense)
  / release</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(88)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(257)&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(305)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(694)&nbsp;</font></b></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">62</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_66"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_97ca7fffbe8c4f17b129d40eb"></a><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">b) Changes to ECL models, scenarios, scenario weights and key inputs<a name="XBRL_TS_97ca7fffbe8c4f17b129d40eb_bclEnd"></a></font></b></p>

</div>









<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="_Hlk62419827"></a><a name="XBRL_TS_165dccb893f04893a8ea43fa2"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Scenarios </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="_Hlk53682884"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The UBS baseline
and the severe downside scenario, as well as the related macroeconomic factors,
were updated and reviewed in light of the economic and political conditions
prevailing for the fourth quarter of 2020 through a series of extraordinary
governance meetings, with input and feedback from UBS risk and finance experts
across the business divisions and regions. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The changes in the macroeconomic environment
in the fourth quarter generally include more optimistic assumptions for both
the baseline and severe downside scenarios compared with those applied in prior
quarters of 2020, given improvements in economic activity as well as greater
optimism regarding the availability and effective distribution of vaccines and continued
government support. The baseline scenario assumptions on a calendar year basis
are included in the table below. In the updated severe downside scenario, the
realized GDP increases in the US and Switzerland relative to the previous
quarter are included. These increases are partly offset by more severe shocks
in future growth rates, although overall GDP levels remain above their low points
from the previous quarter&#8217;s version. Unemployment rates are significantly lower
and housing prices are materially unchanged in the updated severe downside
scenario, in both the US and Switzerland. </font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Scenarios weights and post-model
adjustments</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The overall scenario improvements in
the fourth quarter resulted in stage&nbsp;1 and 2 ECL net releases.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">However, recent developments, including an
increase in infection and hospitalization rates, as well as strict lockdowns in
many jurisdictions, have led to a continued high level of uncertainty in
relation to the effects of the pandemic and its impact on the global economy.
These developments have also given rise to questions around whether the
assumptions will play out as forecasted. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:14.2pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">As a consequence
of these developments at the end of the fourth quarter, management decided to
reduce the weight placed on the baseline scenario from 70% to 60%, increase the
weight placed on the severe downside scenario from 30% to 40% and apply a
post-model adjustment of USD 117 million to offset the stage&nbsp;1 and 2 ECL releases
arising from the scenario update effects.<a name="XBRL_TS_165dccb893f04893a8ea43fa2_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td valign=bottom width=75% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=24% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS Baseline</font></b></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=75% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Key parameters</font></b></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2020</font></b></p>
  </td>
 <td valign=bottom width=1% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=11% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2021</font></b></p>
  </td>
 <td valign=bottom width=1% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Real GDP growth (annual %
  change)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">United States</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.6)&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.3&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eurozone</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7.4)&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Switzerland</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4.5)&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Unemployment rate (%, annual
  average)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">United States</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.1&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.9&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eurozone</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.5&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Switzerland</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.9&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Real estate (annual %
  change, Q4)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">United States </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.4&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.8&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Eurozone</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(0.3)&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.2&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=75% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Switzerland</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.0&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2.0&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_18653ffa56d8466aa3d5ca609"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_e7634a4da51346e18a5ee2dd6"></a><a name="XBRL_TS_18653ffa56d8466aa3d5ca609_bclEnd"></a><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:8.0pt;line-height:11.5pt;">Economic scenarios and weights applied</font></b></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#BEBEBE;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=windowtext face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.25pt;">ECL scenario</font></b></p>
  </td>
 <td colspan=3 width=75% style="background:#BEBEBE;border:none;border-bottom:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:center;"><b><font color=windowtext face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.25pt;">Assigned
  weights in %</font></b></p>
  </td>
 </tr>
<tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:6.0pt;margin-left:2.85pt;margin-right:0cm;margin-top:0cm;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-bottom:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Upside</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">0.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">0.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-bottom:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" style="font-size:7.5pt;">7.5 </font></p>
  </td>
 </tr>
<tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS baseline</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">60.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">70.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-bottom:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" style="font-size:7.5pt;">42.5</font></p>
  </td>
 </tr>
<tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Mild downside</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">0.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">0.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-bottom:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" style="font-size:7.5pt;">35.0</font></p>
  </td>
 </tr>
<tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=25% style="background:#E6E6E6;border:none;border-right:solid white 1.5pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Severe downside </font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-right:solid white 1.5pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">40.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;border-right:solid white 1.0pt;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.9pt;margin-right:2.9pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">30.0</font></p>
  </td>
 <td width=25% style="background:#E6E6E6;border:none;height:14.2pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;text-align:right;"><font color=windowtext face="Frutiger 45 Light,sans-serif" style="font-size:7.5pt;">15.0</font></p>
  </td>
 </tr>
</table></div>



<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>







</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_e7634a4da51346e18a5ee2dd6_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_60a33b8b5a5d4634a2e3cbcbc"></a></p>
<DIV bclFooter>

 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">63</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_67"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">c)
ECL-relevant balance sheet and off-balance sheet positions including ECL
allowances and provisions<a name="XBRL_TS_60a33b8b5a5d4634a2e3cbcbc_bclEnd"></a></font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_85e72c3da6514a8487171cff4"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The tables below and on the following pages provide information
about financial instruments and certain non-financial instruments that are
subject to ECL. For amortized-cost instruments, the carrying amount represents
the maximum exposure to credit risk, taking into account the allowance for
credit losses. Financial assets measured at fair value through other comprehensive
income (FVOCI) are also subject to ECL; however, unlike amortized-cost
instruments, the allowance for credit losses for FVOCI instruments does not
reduce the carrying amount of these financial assets. Rather, the carrying amount
of financial assets measured at FVOCI represents the maximum exposure to credit
risk.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In addition to on-balance sheet financial
assets, certain off-balance sheet and other credit lines are also subject to
ECL. The maximum exposure to credit risk for off-balance sheet financial
instruments is calculated based on the maximum contractual amounts.<a name="XBRL_TS_85e72c3da6514a8487171cff4_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Carrying amount<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL allowance</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash and balances at central banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;158,231&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;158,231&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,444&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,260&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;184&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Receivables from securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74,210&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74,210&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash collateral receivables on derivative instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,737&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,737&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;379,528&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353,023&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,265&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,240&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,060)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(142)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(215)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(703)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,175&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;138,769&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,448&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;959&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(166)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(93)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(39)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43,429&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,568&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,838&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(63)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(44)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,161&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,303&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,383&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;474&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(279)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(212)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,872&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,420&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,824&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;628&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(310)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(23)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(268)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133,850&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133,795&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;55&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(36)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(31)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,558&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,198&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;330&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(38)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,269&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,214&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(106)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(101)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,194&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26,377&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;348&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;469&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(133)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(90)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,569&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,982&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;137&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;450&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(108)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(76)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial assets
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;687,345&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;659,839&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,797&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,709&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,211)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(187)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(229)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(795)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets measured at
  fair value through other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,258&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,258&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total on-balance sheet
  financial assets in scope of ECL requirements</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;695,603&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;668,097&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,797&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,709&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,211)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(187)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(229)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(795)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=42% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total exposure</font></b></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL provision</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in
  scope of ECL)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,081&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,473&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,439&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;170&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(63)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,710&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,030&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,567&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;113&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,310&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;740&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;522&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Financial
  intermediaries and hedge funds </font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,637&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,413&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;224&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;641&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;633&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,441&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,416&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41,372&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,439&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,829&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(142)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(74)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(68)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,209&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19,740&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,405&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;64&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(121)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(63)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(58)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Forward starting reverse repurchase and securities borrowing
  agreements</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,247&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,247&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,134&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33,983&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,042&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(50)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,328&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,811&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;517&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,909&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,687&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,194&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,827&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,442&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,323&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;63&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,671&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,671&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,661&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,220&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;430&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,282&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,277&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total off-balance sheet
  financial instruments and other credit lines</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;105,116&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;91,419&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13,315&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;382&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(257)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(119)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(104)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total allowances and provisions</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,468)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(306)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(333)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(829)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The carrying amount of financial assets measured at amortized
  cost represents the total gross exposure net of the respective ECL
  allowances.&#160;&#160;&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>









<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">64</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_68"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Carrying amount<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL allowance</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash and balances at central banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149,176&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;149,176&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,677&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,512&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;165&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Receivables from securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80,379&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80,379&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash collateral receivables on derivative instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31,172&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31,172&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;360,985&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335,756&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,274&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,955&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,144)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(136)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(242)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(766)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142,189&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132,836&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,393&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;960&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(167)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(36)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(94)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(37)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;42,042&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,075&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,950&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(62)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(49)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,499&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,602&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,665&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;232&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(275)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(25)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(52)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(198)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,092&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,126&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,368&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;597&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(353)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(25)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(31)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(297)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125,962&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125,902&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(44)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(38)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,507&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,151&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;327&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(37)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,128&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,061&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(146)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(141)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,150&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26,261&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;368&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;520&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(141)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(36)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(93)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,581&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,926&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;183&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;471&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(115)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(30)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(76)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial assets
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;663,537&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;637,255&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,807&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,475&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,295)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(180)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(254)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(860)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets measured at
  fair value through other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,828&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,828&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total on-balance sheet
  financial assets in scope of ECL requirements</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;672,365&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;646,083&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,807&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,475&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,295)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(180)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(254)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(860)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=42% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total exposure</font></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL provision</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in scope
  of ECL)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,769&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,080&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,519&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;169&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(48)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,661&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,733&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;815&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;113&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(19)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,288&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;719&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;513&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;56&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(12)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Financial
  intermediaries and hedge funds </font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,104&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,964&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;140&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;617&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;617&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,714&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,710&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41,455&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,519&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,860&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(128)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(61)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(67)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22,999&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,351&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,608&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(114)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(53)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(61)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Forward starting reverse repurchase and securities borrowing
  agreements</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,820&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,820&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,917&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34,236&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,593&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(70)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(36)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,242&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,663&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;579&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,798&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,821&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;959&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,382&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,183&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,141&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(21)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,017&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,017&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,327&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,909&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;407&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(7)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,421&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,412&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total off-balance sheet
  financial instruments and other credit lines</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;106,381&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;95,067&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10,982&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;333&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(255)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(116)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(106)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total allowances and
  provisions</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,550)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(296)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(360)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(894)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The carrying amount of financial assets measured at amortized
  cost represents the total gross exposure net of the respective ECL
  allowances.&#160;&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>


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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">65</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Carrying amount<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL allowance</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash and balances at central banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107,068&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107,068&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to banks</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,447&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,367&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;80&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Receivables from securities financing transactions</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84,245&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84,245&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cash collateral receivables on derivative instruments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,289&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,289&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;326,786&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;309,499&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,538&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,749&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(764)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(82)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(123)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(559)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132,646&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;124,063&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,624&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;959&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(110)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(55)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(41)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,481&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,932&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,532&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(43)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,703&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,184&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;424&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;94&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(117)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(98)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11,786&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,817&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,449&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;521&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(303)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(15)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(271)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112,893&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112,796&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,661&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,314&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;325&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,844&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,826&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(81)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(77)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22,980&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,953&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;451&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;576&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(143)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(95)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,877&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,341&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;334&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;202&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(109)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(29)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(11)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(70)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total financial assets
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;576,815&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;558,420&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,069&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,326&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(915)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(124)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(137)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(655)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial assets measured at
  fair value through other comprehensive income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,345&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,345&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total on-balance sheet
  financial assets in scope of ECL requirements</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;583,159&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;564,765&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,069&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,326&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(915)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(124)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(137)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(655)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=42% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:1.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total exposure</font></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL provision</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in scope
  of ECL)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,142&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,757&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;304&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;82&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(42)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,687&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,461&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;203&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(10)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,180&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,055&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;67&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(24)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(23)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Financial
  intermediaries and hedge funds </font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,966&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,950&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;622&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;622&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,334&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,320&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,547&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,078&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;419&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(35)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(30)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(5)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,735&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,349&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;359&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(27)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(24)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Forward starting reverse repurchase and securities borrowing
  agreements</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,657&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,657&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,092&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33,848&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,197&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(34)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(17)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,242&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,934&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;307&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(16)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(13)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,274&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,188&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;69&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,787&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,589&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;171&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(8)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,976&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,975&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,890&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,535&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;355&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(6)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2)&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;344&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;344&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,289&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,285&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3)&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total off-balance sheet
  financial instruments and other credit lines</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;85,728&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83,626&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,920&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;182&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(114)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(58)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(23)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(33)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total allowances and
  provisions</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,029)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(181)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(160)&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(688)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td colspan=11 valign=top width=100% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 The carrying amount of financial assets measured at amortized
  cost represents the total gross exposure net of the respective ECL
  allowances.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">66</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_70"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_38e0b0cedc514b0da47703763"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The table below provides information about the ECL gross exposure
and the ECL coverage ratio for our core loan portfolios: </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loans and advances
to customers</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">, </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Other financial assets measured at amortized cost</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> and
relevant off-balance sheet exposures. </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Cash and balances at central banks</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">,
</font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Loans and advances to banks</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">, </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Receivables from securities financing
transactions</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">, </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Cash collateral receivables on derivative instruments</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">
and </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Financial assets measured at fair value through other comprehensive
income</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> are not included in the table below, due to their lower sensitivity
to ECL.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ECL coverage ratios are calculated by taking
ECL allowances and provisions divided by the gross carrying amount of the
exposures.<a name="XBRL_TS_38e0b0cedc514b0da47703763_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage ratios for core
  loan portfolios</font></b></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross carrying amount (USD million)<sup> &nbsp;</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;380,589&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353,166&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,480&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,943&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;28&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,390&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;148,341&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;138,803&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,540&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;998&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;390&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43,492&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37,583&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,883&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,414&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,440&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,330&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,423&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;686&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;181&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;164&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,089&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,183&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,440&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,847&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;896&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;204&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;39&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,991&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133,886&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133,800&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;86&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,592&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,596&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,209&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;342&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;240&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;91&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;333&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,488&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,375&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,219&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;43&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;113&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;315&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,939&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,327&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26,410&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;357&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;560&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;48&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;241&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,615&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,677&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,009&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;526&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;404&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;135&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;351&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,446&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=42% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="background:white;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure (USD million)</font></b></p>
  </td>
 <td width=1% style="background:white;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in
  scope of ECL)</font></b></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></b></p>
  </td>
 <td width=7% style="background:white;border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></b></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,081&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,473&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,439&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;170&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;37&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,014&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41,372&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,439&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,829&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;140&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;40,134&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33,983&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,042&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,282&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,277&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td colspan=11 valign=top width=100% style="background:white;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&#160;&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage ratios for core
  loan portfolios</font></b></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross carrying amount (USD million)<sup> &nbsp;</sup></font></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;362,129&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335,892&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,516&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,721&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;103&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,816&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;142,356&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132,872&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,487&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;997&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;111&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;371&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;42,104&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,085&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,999&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;81&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,936&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,774&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,627&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,717&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;430&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;174&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,596&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14,444&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,152&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,399&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;894&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;244&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,321&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;126,006&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;125,908&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;98&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,861&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,544&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,161&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;338&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;240&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;84&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;341&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,499&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,274&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,067&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;162&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;447&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,678&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,290&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26,297&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;380&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;613&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;52&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;313&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,516&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,695&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,955&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;548&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;427&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;152&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;466&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,394&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=42% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure (USD million)</font></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in scope
  of ECL)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,769&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16,080&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,519&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;169&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;26&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,991&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;41,455&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;36,519&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,860&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;31&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;139&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,917&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34,236&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,593&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,421&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,412&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;206&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td colspan=11 valign=top width=100% style="background:white;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&#160;&nbsp;</font></p>
  </td>
 </tr>
</table></div>



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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">67</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_71"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:2.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Expected
credit loss measurement</font></b><b><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> (continued)</font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage ratios for core
  loan portfolios</font></b></p>
  </td>
 <td width=1% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=9 width=57% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross carrying amount (USD million)</font></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Financial instruments
  measured at amortized cost</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Loans and advances to customers</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;327,550&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;309,581&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;15,661&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,308&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;79&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,420&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Private clients
  with mortgages</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;132,756&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;124,077&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,679&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,000&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;406&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Real estate
  financing</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,524&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,937&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,567&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,765&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Large corporate
  clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,819&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,199&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;429&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;192&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;119&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;100&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,088&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: SME clients</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12,089&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,834&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,464&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;791&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;251&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18&nbsp;</font></i></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;104&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,420&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Lombard</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112,915&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112,799&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;116&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,566&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Credit cards</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,696&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,322&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;339&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;205&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;60&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;404&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,718&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Commodity trade
  finance</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,925&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,831&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;87&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;278&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,844&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other financial assets measured at amortized cost</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23,123&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21,988&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;463&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;672&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;62&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;274&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,420&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 8.75pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Loans to financial
  advisors</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,987&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,370&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;344&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;272&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;366&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;122&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;305&nbsp;</font></i></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,570&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:3.75pt;">
  <td width=42% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;height:3.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Gross exposure (USD million)</font></p>
  </td>
 <td width=1% style="height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ECL coverage (bps)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Off-balance sheet (in scope
  of ECL)</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 1</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 2</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Stage 3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Guarantees</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18,142&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17,757&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;304&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;82&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;23&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;30&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,032&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable loan commitments</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,547&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;27,078&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;419&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;120&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Committed unconditionally revocable credit lines</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,092&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33,848&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,197&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;46&nbsp;</font></p>
  </td>
 <td width=1% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;143&nbsp;</font></p>
  </td>
 <td width=7% style="background:white;border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=42% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Irrevocable committed prolongation of existing loans</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,289&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,285&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td colspan=11 valign=top width=100% style="background:white;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Prov_Contingent_Liab_Group_AG_EN"></a><a name="RG_MARKER_117198"></a><a name="RG_MARKER_117048"></a><a name="RG_MARKER_117048_bclEnd"></a><a name="RG_MARKER_117198_bclEnd"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">68</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_72"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=FR-CH style="font-size:9.0pt;line-height:3.0pt;"></font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_8a90e6b0bea646a4a9b7d71f8"></a><a name="Prov_Contingent_Liab_Group_AG_EN_bclEnd"></a><b><font color=black face="Frutiger 45 Light,sans-serif" lang=FR-CH style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities<a name="XBRL_TS_8a90e6b0bea646a4a9b7d71f8_bclEnd"></a></font></b></p>

</div>











<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:8.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_1e86e53b228b40b7a4c641179"></a><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">a) <a name=Provisions></a>Provisions<a name="Provisions_bclEnd"></a><a name="XBRL_TS_1e86e53b228b40b7a4c641179_bclEnd"></a> </font></b></p>

</div>


<p style="margin:0cm;margin-bottom:2.0pt;text-align:justify;"><a name="XBRL_TS_e346b129b1574bfea2d6fd317"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The table below
presents an overview of total provisions.<a name="XBRL_TS_e346b129b1574bfea2d6fd317_bclEnd"></a></font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=69% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions other than provisions for expected credit losses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,499&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,430&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,861&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions for expected credit losses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;257&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;255&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;114&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=69% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total provisions</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,756&nbsp;</font></b></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,685&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,974&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td colspan=5 valign=top width=100% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:2.0pt;text-align:justify;"><a name="XBRL_TS_4e45206dd42f4c389f94fd284"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The following table
presents additional information for provisions other than provisions for
expected credit losses.<a name="XBRL_TS_4e45206dd42f4c389f94fd284_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td valign=bottom width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Litigation, regulatory and similar matters<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Restructuring<sup>2</sup></font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other<sup>3</sup></font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 31 December
  2019</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,475&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;106&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;280&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,861&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 30 September
  2020</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,996&nbsp;</font></p>
  </td>
 <td width=11% style="background:white;border:none;border-bottom:solid #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;93&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;341&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,430&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Increase in provisions recognized in the income statement</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;50&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;133&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Release of provisions recognized in the income statement</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(32)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(36)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions used in conformity with designated purpose</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(43)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(9)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(20)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(72)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Capitalized reinstatement costs</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=55% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Reclassifications</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(14)&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:dotted #74726F 1.0pt;height:7.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation / unwind of discount</font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;45&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=55% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 31 December
  2020</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,063&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;72&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;363&nbsp;</font></b></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid #74726F 1.5pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,499&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td colspan=5 valign=top width=100% style="border:none;height:20.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Comprises provisions for losses resulting from legal,
  liability and compliance risks.&#160;&#160;&#160; 2 Primarily consists of provisions for
  onerous contracts of USD&nbsp;49 million as of 31&nbsp;December&nbsp;2020
  (30&nbsp;September&nbsp;2020: USD 53 million; 31&nbsp;December&nbsp;2019:
  USD&nbsp;61 million) and personnel-related restructuring provisions of
  USD&nbsp;18 million as of 31&nbsp;December&nbsp;2020
  (30&nbsp;September&nbsp;2020: USD&nbsp;35 million;
  31&nbsp;December&nbsp;2019: USD&nbsp;40 million).&#160;&#160;&#160; 3&nbsp;Mainly includes
  provisions related to real estate, employee benefits and operational risks.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_e3d3061000ba40f59a17e8ffa"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Restructuring provisions primarily relate to onerous contracts and severance
payments. <a name="XBRL_CS_769905c7aedf4329aa7c0721e"></a>Onerous contracts for property are recognized when UBS is committed
to pay for non-lease components, such as utilities, service charges, taxes and
maintenance, when a property is vacated or not fully recovered from
sub-tenants. Severance-related provisions are used within a short time period
but potential changes in amount may be triggered when natural staff attrition
reduces the number of people affected by a restructuring event and therefore
the estimated costs. <a name="XBRL_CS_769905c7aedf4329aa7c0721e_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Information about provisions and contingent
liabilities in respect of litigation, regulatory and similar matters, as a
class, is included in part b). There are no material contingent liabilities
associated with the other classes of provisions.<a name="XBRL_TS_e3d3061000ba40f59a17e8ffa_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_74c76c070a424beb80a6bd42a"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities</font></b></p>

</div>









<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">b)
Litigation, regulatory and similar matters<a name="XBRL_TS_74c76c070a424beb80a6bd42a_bclEnd"></a></font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Group operates in
a legal and regulatory environment that exposes it to significant litigation
and similar risks arising from disputes and regulatory proceedings. As a
result, UBS (which for purposes of this Note may refer to UBS Group AG and/or
one or more of its subsidiaries, as applicable) is involved in various disputes
and legal proceedings, including litigation, arbitration, and regulatory and
criminal investigations.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_CS_0fd29de16ce64046a145af991"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Such
matters are subject to many uncertainties, and the outcome and the timing of
resolution are often difficult to predict, particularly in the earlier stages
of a case. There are also situations where the Group may enter into a
settlement agreement. This may occur in order to avoid the expense, management
distraction or reputational implications of continuing to contest liability,
even for those matters for which the Group believes it should be exonerated.
The uncertainties inherent in all such matters affect the amount and timing of
any potential outflows for both matters with respect to which provisions have
been established and other contingent liabilities. The Group makes provisions
for such matters brought against it when, in the opinion of management after
seeking legal advice, it is more likely than not that the Group has a present
legal or constructive obligation as a result of past events, it is probable
that an outflow of resources will be required, and the amount can be reliably
estimated. Where these factors are otherwise satisfied, a provision may be
established for claims that have not yet been asserted against the Group, but
are nevertheless expected to be, based on the Group&#8217;s experience with similar
asserted claims. If any of those conditions is not met, such matters result in
contingent liabilities. If the amount of an obligation cannot be reliably
estimated, a liability exists that is not recognized even if an outflow of
resources is probable. Accordingly, no provision is established even if the
potential outflow of resources with respect to such matters could be significant.
Developments relating to a matter that occur after the relevant reporting
period, but prior to the issuance of financial statements, which affect
management&#8217;s assessment of the provision for such matter (because, for example,
the developments provide evidence of conditions that existed at the end of the
reporting period), are adjusting events after the reporting period under IAS 10
and must be recognized in the financial statements for the reporting period.<a name="XBRL_CS_0fd29de16ce64046a145af991_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Specific litigation, regulatory and other matters
are described below, including all such matters that management considers to be
material and others that management believes to be of significance due to
potential financial, reputational and other effects. The amount of damages
claimed, the size of a transaction or other information is provided where
available and appropriate in order to assist users in considering the magnitude
of potential exposures.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_TS_6a713895069748fd90a38c3f1"></a><a name="XBRL_CS_ea924dc2444c46d7b6d14f55e"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the case of
certain matters below, we state that we have established a provision, and for
the other matters, we make no such statement. When we make this statement and
we expect disclosure of the amount of a provision to prejudice seriously our
position with other parties in the matter because it would reveal what UBS
believes to be the probable and reliably estimable outflow, we do not disclose
that amount. In some cases we are subject to confidentiality obligations that
preclude such disclosure. With respect to the matters for which we do not state
whether we have established a provision, either: (a) we have not established a
provision, in which case the matter is treated as a contingent liability under
the applicable accounting standard; or (b) we have established a provision but
expect disclosure of that fact to prejudice seriously our position with other
parties in the matter because it would reveal the fact that UBS believes an
outflow of resources to be probable and reliably estimable.<a name="XBRL_CS_ea924dc2444c46d7b6d14f55e_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">With respect to certain litigation,
regulatory and similar matters for which we have established provisions, we are
able to estimate the expected timing of outflows. However, the aggregate amount
of the expected outflows for those matters for which we are able to estimate
expected timing is immaterial relative to our current and expected levels of
liquidity over the relevant time periods.<a name="XBRL_TS_6a713895069748fd90a38c3f1_bclEnd"></a></font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>


<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">70</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_74"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_TS_b543cdb050e946df843d98b87"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The
aggregate amount provisioned for litigation, regulatory and similar matters as
a class is disclosed in the &#8220;Provisions&#8221; table in part a above. <a name="XBRL_CS_ba5be2cec30b47b383ec3a1cb"></a>It is not practicable
to provide an aggregate estimate of liability for our litigation, regulatory
and similar matters as a class of contingent liabilities. Doing so would
require UBS to provide speculative legal assessments as to claims and
proceedings that involve unique fact patterns or novel legal theories, that
have not yet been initiated or are at early stages of adjudication, or as to
which alleged damages have not been quantified by the claimants. Although UBS
therefore cannot provide a numerical estimate of the future losses that could
arise from litigation, regulatory and similar matters, UBS believes that the
aggregate amount of possible future losses from this class that are more than
remote substantially exceeds the level of current provisions. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Litigation, regulatory and similar matters
may also result in non-monetary penalties and consequences. For example, the
non-prosecution agreement UBS entered into with the US Department of Justice
(DOJ), Criminal Division, Fraud Section in connection with submissions of
benchmark interest rates, including, among others, the British Bankers&#8217;
Association London Interbank Offered Rate (LIBOR), was terminated by the DOJ
based on its determination that UBS had committed a US crime in relation to
foreign exchange matters. As a consequence, UBS AG pleaded guilty to one count
of wire fraud for conduct in the LIBOR matter, paid a fine and was subject to
probation, which ended in January 2020. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A guilty plea to, or conviction of, a crime
could have material consequences for UBS. Resolution of regulatory proceedings
may require UBS to obtain waivers of regulatory disqualifications to maintain
certain operations, may entitle regulatory authorities to limit, suspend or
terminate licenses and regulatory authorizations, and may permit financial
market utilities to limit, suspend or terminate UBS&#8217;s participation in such
utilities. Failure to obtain such waivers, or any limitation, suspension or
termination of licenses, authorizations or participations, could have material
consequences for UBS.<a name="XBRL_CS_ba5be2cec30b47b383ec3a1cb_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The risk of loss associated with litigation,
regulatory and similar matters is a component of operational risk for purposes
of determining capital requirements. Information concerning our capital
requirements and the calculation of operational risk for this purpose is
included in the &#8220;Capital management&#8221; section of this report.<a name="XBRL_TS_b543cdb050e946df843d98b87_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=7 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions for litigation,
  regulatory and similar matters by business division and in Group Functions<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million</font></i></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Global Wealth</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personal &amp; Corporate Banking</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Asset</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Manage-</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">ment</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Investment Bank</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Group Functions</font></b></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 31 December
  2019</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;782&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;113&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;255&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,325&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,475&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 30 September
  2020</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;741&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;112&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;211&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;933&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,996&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Increase in provisions recognized in the income statement</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;70&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;83&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Release of provisions recognized in the income statement</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Provisions used in conformity with designated purpose</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(40)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(43)&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Foreign currency translation / unwind of discount</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;22&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance as of 31 December
  2020</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;789&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;115&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;227&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;932&nbsp;</font></b></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,063&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td colspan=7 valign=top width=100% style="border:none;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Provisions, if any, for matters described in this disclosure
  are recorded in Global Wealth Management (item 3 and item 4) and Group
  Functions (item 2). Provisions, if any, for the matters described in items 1
  and 6 of this disclosure are allocated between Global Wealth Management and
  Personal &amp; Corporate Banking, and provisions, if any, for the matters
  described in this disclosure in item 5 are allocated between the Investment
  Bank and Group Functions. </font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:5.0pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

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<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="XBRL_TS_34ab7b0dd45b4ca0a3a22aaf7"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">1. Inquiries
regarding cross-border wealth management businesses </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Tax and regulatory authorities in a
number of countries have made inquiries, served requests for information or
examined employees located in their respective jurisdictions relating to the
cross-border wealth management services provided by UBS and other financial
institutions. It is possible that the implementation of automatic tax
information exchange and other measures relating to cross-border provision of
financial services could give rise to further inquiries in the future. UBS has
received disclosure orders from the Swiss Federal Tax Administration (FTA) to
transfer information based on requests for international administrative
assistance in tax matters. The requests concern a number of UBS account numbers
pertaining to current and former clients and are based on data from 2006 and
2008. UBS has taken steps to inform affected clients about the administrative
assistance proceedings and their procedural rights, including the right to
appeal. The requests are based on data received from the German authorities,
who seized certain data related to UBS clients booked in Switzerland during
their investigations and have apparently shared this data with other European
countries. UBS expects additional countries to file similar requests.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Swiss Federal Administrative Court ruled
in 2016 that, in the administrative assistance proceedings related to a French
bulk request, UBS has the right to appeal all final FTA client data disclosure
orders. On 30&nbsp;July 2018, the Swiss Federal Administrative Court granted UBS&#8217;s
appeal by holding the French administrative assistance request inadmissible.
The FTA filed a final appeal with the Swiss Federal Supreme Court. </font><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:11.5pt;">On 26&nbsp;July 2019, the Supreme Court reversed the decision of the
Federal Administrative Court. In December 2019, the court released its written
decision. The decision requires the FTA to obtain confirmation from the French
authorities that transmitted data will be used only for the purposes stated in
their request before transmitting any data. The stated purpose of the original
request was to obtain information relating to taxes owed by account holders. Accordingly,
any information transferred to the French authorities must not be passed to
criminal authorities or used in connection with the ongoing case against UBS
discussed in this item. In February 2020, the FTA ordered that UBS would not be
granted party status in the French administrative assistance proceedings. UBS
appealed this decision to the Federal Administrative Court. On 15 July, the
Federal Administrative Court upheld the FTA&#8217;s decision, holding that UBS will
no longer have party status in these proceedings. The Swiss Federal Supreme
Court has determined that it will not hear UBS&#8217;s appeal of this decision.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Since 2013, UBS (France) S.A., UBS AG and
certain former employees have been under investigation in France for alleged
complicity in unlawful solicitation of clients on French territory, regarding
the laundering of proceeds of tax fraud, and banking and financial solicitation
by unauthorized persons. In connection with this investigation, the
investigating judges ordered UBS AG to provide bail (&#8220;</font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">caution</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8221;) of
EUR&nbsp;1.1 billion and UBS (France) S.A. to post bail of EUR&nbsp;40 million,
which was reduced on appeal to EUR&nbsp;10 million.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A trial in the court of first instance took
place from 8&nbsp;October 2018 until 15 November 2018. On 20&nbsp;February
2019, the court announced a verdict finding UBS AG guilty of unlawful
solicitation of clients on French territory and aggravated laundering of the
proceeds of tax fraud, and UBS (France) S.A. guilty of aiding and abetting
unlawful solicitation and laundering the proceeds of tax fraud. The court
imposed fines aggregating EUR&nbsp;3.7 billion on UBS AG and UBS (France) S.A.
and awarded EUR&nbsp;800 million of civil damages to the French state. UBS has
appealed the decision. Under French law, the judgment is suspended while the
appeal is pending. The trial originally scheduled for 2 June 2020 has been
rescheduled to 8-24 March 2021. The Court of Appeal will retry the case de novo
as to both the law and the facts, and the fines and penalties can be greater
than or less than those imposed by the court of first instance. A subsequent
appeal to the Cour de Cassation, France&#8217;s highest court, is possible with
respect to questions of law.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS believes that based on both the law and
the facts the judgment of the court of first instance should be reversed. UBS
believes it followed its obligations under Swiss and French law as well as the
European Savings Tax Directive. Even assuming liability, which it contests, UBS
believes the penalties and damage amounts awarded greatly exceed the amounts
that could be supported by the law and the facts. In particular, UBS believes
the court incorrectly based the penalty on the total regularized assets rather
than on any unpaid taxes on those assets for which a fraud has been
characterized and further incorrectly awarded damages based on costs that were
not proven by the civil party. Notwithstanding that UBS believes it should be
acquitted, our balance sheet at 31&nbsp;December 2020 reflected provisions with
respect to this matter in an amount of EUR&nbsp;450 million (USD&nbsp;549
million at 31&nbsp;December 2020). The wide range of possible outcomes in this
case contributes to a high degree of estimation uncertainty. The provision
reflected on our balance sheet at 31&nbsp;December 2020 reflects our best
estimate of possible financial implications, although it is reasonably possible
that actual penalties and civil damages could exceed the provision amount.<a name="XBRL_TS_34ab7b0dd45b4ca0a3a22aaf7_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2016, UBS was notified by the Belgian
investigating judge that it is under formal investigation (&#8220;</font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">inculp&#233;</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8221;)
regarding the laundering of proceeds of tax fraud, of banking and financial
solicitation by unauthorized persons, and of serious tax fraud. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our balance sheet at 31&nbsp;December 2020
reflected provisions with respect to matters described in this item 1 in an
amount that UBS believes to be appropriate under the applicable accounting
standard. As in the case of other matters for which we have established
provisions, the future outflow of resources in respect of such matters cannot
be determined with certainty based on currently available information and
accordingly may ultimately prove to be substantially greater (or may be less)
than the provision that we have recognized.</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>









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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

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<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;margin-top:11.3pt;"><a name="XBRL_TS_4eaec494467a406d9c3876acb"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">2. Claims
related to sales of residential mortgage-backed securities and mortgages</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">From 2002 through 2007, prior to the crisis in the US
residential loan market, UBS was a substantial issuer and underwriter of US
residential mortgage-backed securities (RMBS) and was a purchaser and seller of
US residential mortgages. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In&nbsp;November 2018, the DOJ filed a civil complaint in the
District Court for the Eastern District of New York. The complaint seeks
unspecified civil monetary penalties under the Financial Institutions Reform,
Recovery and Enforcement Act of 1989 related to UBS&#8217;s issuance, underwriting
and sale of 40 RMBS transactions in 2006 and 2007. UBS moved to dismiss the
civil complaint on 6&nbsp;February 2019. On 10&nbsp;December 2019, the district
court denied UBS&#8217;s motion to dismiss. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our balance sheet at 31&nbsp;December
2020 reflected a provision with respect to matters described in
this item 2 in an amount that UBS believes to be appropriate under the
applicable accounting standard. As in the case of other matters for which we
have established provisions, the future outflow of resources in respect of this
matter cannot be determined with certainty based on currently available
information and accordingly may ultimately prove to be substantially greater
(or may be less) than the provision that we have recognized.</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">3. Madoff</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In relation to the
Bernard L. Madoff Investment Securities LLC (BMIS) investment fraud, UBS AG,
UBS (Luxembourg) S.A. (now UBS Europe SE, Luxembourg branch) and certain other
UBS subsidiaries have been subject to inquiries by a number of regulators,
including the Swiss Financial Market Supervisory Authority (FINMA) and the
Luxembourg Commission de Surveillance du Secteur Financier. Those inquiries
concerned two third-party funds established under Luxembourg law, substantially
all assets of which were with BMIS, as well as certain funds established in
offshore jurisdictions with either direct or indirect exposure to BMIS. These
funds faced severe losses, and the Luxembourg funds are in liquidation. The
documentation establishing both funds identifies UBS entities in various roles,
including custodian, administrator, manager, distributor and promoter, and
indicates that UBS employees serve as board members.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2009 and 2010, the liquidators of the two
Luxembourg funds filed claims against UBS entities, non-UBS entities and
certain individuals, including current and former UBS employees, seeking
amounts totaling approximately EUR&nbsp;2.1 billion, which includes amounts
that the funds may be held liable to pay the trustee for the liquidation of
BMIS (BMIS Trustee).</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A large number of alleged beneficiaries have
filed claims against UBS entities (and non-UBS entities) for purported losses
relating to the Madoff fraud. The majority of these cases have been filed in
Luxembourg, where decisions that the claims in eight test cases were
inadmissible have been affirmed by the Luxembourg Court of Appeal, and the
Luxembourg Supreme Court has dismissed a further appeal in one of the test
cases.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In the US, the BMIS Trustee filed claims
against UBS entities, among others, in relation to the two Luxembourg funds and
one of the offshore funds. The total amount claimed against all defendants in
these actions was not less than USD&nbsp;2 billion. In 2014, the US Supreme
Court rejected the BMIS Trustee&#8217;s motion for leave to appeal decisions dismissing
all claims except those for the recovery of approximately USD&nbsp;125 million
of payments alleged to be fraudulent conveyances and preference payments. In
2016, the bankruptcy court dismissed these claims against the UBS entities. In
February 2019, the Court of Appeals reversed the dismissal of the BMIS
Trustee&#8217;s remaining claims, and the US Supreme Court subsequently denied a
petition seeking review of the Court of Appeals&#8217; decision. The case has been
remanded to the Bankruptcy Court for further proceedings.<a name="XBRL_TS_4eaec494467a406d9c3876acb_bclEnd"></a></font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">4. Puerto Rico</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Declines since 2013
in the market prices of Puerto Rico municipal bonds and of closed-end funds
(funds) that are sole-managed and co-managed by UBS Trust Company of Puerto
Rico and distributed by UBS Financial Services Incorporated of Puerto Rico (UBS
PR) led to multiple regulatory inquiries, which in 2014 and 2015, led to
settlements with the Office of the Commissioner of Financial Institutions for
the Commonwealth of Puerto Rico, the US Securities and Exchange Commission
(SEC) and the Financial Industry Regulatory Authority in relation to their
examinations of UBS&#8217;s operations. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Since that time UBS has received customer
complaints and arbitrations with aggregate claimed damages of USD&nbsp;3.4
billion, of which claims with aggregate claimed damages of USD&nbsp;2.8 billion
have been resolved through settlements, arbitration or withdrawal of the claim.
The claims have been filed by clients in Puerto Rico who own the funds or
Puerto Rico municipal bonds and/or who used their UBS account assets as
collateral for UBS non-purpose loans; customer complaint and arbitration
allegations include fraud, misrepresentation and unsuitability of the funds and
of the loans.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A shareholder derivative action was filed in
2014 against various UBS entities and current and certain former directors of
the funds, alleging hundreds of millions of US dollars in losses in the funds.
In 2015, defendants&#8217; motion to dismiss was denied and a request for permission
to appeal that ruling was denied by the Puerto Rico Supreme Court. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2011, a purported derivative action was
filed on behalf of the Employee Retirement System of the Commonwealth of Puerto
Rico (System) against over 40 defendants, including UBS PR, which was named in
connection with its underwriting and consulting services. Plaintiffs alleged
that defendants violated their purported fiduciary duties and contractual
obligations in connection with the issuance and underwriting of
USD&nbsp;3&nbsp;billion of bonds by the System in 2008 and sought damages of
over USD&nbsp;800 million. In 2016, the court granted the System&#8217;s request to
join the action as a plaintiff, but ordered that plaintiffs must file an
amended complaint. In 2017, the court denied defendants&#8217; motion to dismiss the
amended complaint. In 2020, the court denied plaintiffs&#8217; motion for summary
judgment.</font></p>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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</DIV>
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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

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<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_TS_3bbe2051664744cfb3b7d779d"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Beginning
in 2015, certain agencies and public corporations of the Commonwealth of Puerto
Rico (Commonwealth) defaulted on certain interest payments on Puerto Rico
bonds. In 2016, US federal legislation created an oversight board with power to
oversee Puerto Rico&#8217;s finances and to restructure its debt. The oversight board
has imposed a stay on the exercise of certain creditors&#8217; rights. In 2017, the
oversight board placed certain of the bonds into a bankruptcy-like proceeding
under the supervision of a Federal District Judge. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In May 2019, the oversight board filed
complaints in Puerto Rico federal district court bringing claims against
financial, legal and accounting firms that had participated in Puerto Rico
municipal bond offerings, including UBS, seeking a return of underwriting and
swap fees paid in connection with those offerings. UBS estimates that it
received approximately USD&nbsp;125 million in fees in the relevant offerings.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In August 2019, and February and November
2020, four US insurance companies that insured issues of Puerto Rico municipal
bonds sued UBS and several other underwriters of Puerto Rico municipal bonds.
The actions collectively seek recovery of an aggregate of USD&nbsp;955 million
in damages from the defendants. The plaintiffs in these cases claim that
defendants failed to reasonably investigate financial statements in the
offering materials for the insured Puerto Rico bonds issued between 2002 and
2007, which plaintiffs argue they relied upon in agreeing to insure the bonds
notwithstanding that they had no contractual relationship with the
underwriters.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our balance sheet at 31&nbsp;December
2020 reflected provisions with respect to matters
described in this item 4 in amounts that UBS believes to be appropriate under
the applicable accounting standard. As in the case of other matters for which
we have established provisions, the future outflow of resources in respect of
such matters cannot be determined with certainty based on currently available
information and accordingly may ultimately prove to be substantially greater
(or may be less) than the provisions that we have recognized.<a name="XBRL_TS_3bbe2051664744cfb3b7d779d_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;margin-top:11.3pt;"><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">5. Foreign exchange, LIBOR and benchmark rates, and other
trading practices</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Foreign exchange-related regulatory matters:</font></i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> Beginning in 2013, numerous authorities commenced
investigations concerning possible manipulation of foreign exchange markets and
precious metals prices. As a result of these investigations, UBS entered into
resolutions with the UK Financial Conduct Authority (FCA), the US Commodity
Futures Trading Commission (CFTC), FINMA, the Board of Governors of the Federal
Reserve System (Federal Reserve Board) and the Connecticut Department of
Banking, the DOJ&#8217;s Criminal Division and the European Commission. UBS has
ongoing obligations under the Cease and Desist Order of the Federal Reserve Board
and the Office of the Comptroller of the Currency (as successor to the
Connecticut Department of Banking), and to cooperate with relevant authorities
and to undertake certain remediation measures. UBS has also been granted
conditional immunity by the Antitrust Division of the DOJ and by authorities in
other jurisdictions in connection with potential competition law violations
relating to foreign exchange and precious metals businesses. Investigations
relating to foreign exchange matters by certain authorities remain ongoing notwithstanding
these resolutions.</font></p>

<i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></i><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Foreign exchange-related civil litigation:</font></i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> Putative class actions have been filed since 2013 in US
federal courts and in other jurisdictions against UBS and other banks on behalf
of putative classes of persons who engaged in foreign currency transactions
with any of the defendant banks. UBS has resolved US federal court class
actions relating to foreign currency transactions with the defendant banks and
persons who transacted in foreign exchange futures contracts and options on
such futures under a settlement agreement that provides for UBS to pay an
aggregate of USD&nbsp;141 million and provide cooperation to the settlement
classes. Certain class members have excluded themselves from that settlement
and have filed individual actions in US and English courts against UBS and
other banks, alleging violations of US and European competition laws and unjust
enrichment.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2015, a putative class action was filed in
federal court against UBS and numerous other banks on behalf of persons and
businesses in the US who directly purchased foreign currency from the
defendants and alleged co-conspirators for their own end use. In March 2017,
the court granted UBS&#8217;s (and the other banks&#8217;) motions to dismiss the complaint.
The plaintiffs filed an amended complaint in August 2017. In March 2018, the
court denied the defendants&#8217; motions to dismiss the amended complaint.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2017, two putative class actions were
filed in federal court in New York against UBS and numerous other banks on
behalf of persons and entities who had indirectly purchased foreign exchange
instruments from a defendant or co-conspirator in the US, and a consolidated
complaint was filed in June 2017. In March 2018, the court dismissed the
consolidated complaint. In October 2018, the court granted plaintiffs&#8217; motion
seeking leave to file an amended complaint. UBS and 11 other banks have reached
an agreement with the plaintiffs to settle the class action for a total of USD&nbsp;10
million. The court approved the settlement in November 2020.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.05pt;line-height:11.5pt;">LIBOR and
other benchmark-related regulatory matters:</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.05pt;line-height:11.5pt;"> Numerous government agencies, including the SEC,
the CFTC, the DOJ, the FCA, the UK Serious Fraud Office, the Monetary Authority
of Singapore, the Hong Kong Monetary Authority, FINMA, various state attorneys
general in the US and competition authorities in various jurisdictions, have
conducted investigations regarding potential improper attempts by UBS, among
others, to manipulate LIBOR and other benchmark rates at certain times. UBS
reached settlements or otherwise concluded investigations relating to benchmark
interest rates with the investigating authorities. UBS has ongoing obligations
to cooperate with the authorities with whom we have reached resolutions and to
undertake certain remediation measures with respect to benchmark interest rate
submissions. UBS has been granted conditional leniency or conditional immunity
from authorities in certain jurisdictions, including the Antitrust Division of
the DOJ and the Swiss Competition Commission (WEKO), in connection with
potential antitrust or competition law violations related to certain rates.
However, UBS has not reached a final settlement with WEKO, as the Secretariat
of WEKO has asserted that UBS does not qualify for full immunity.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;"><p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_TS_991297f663714262a679ccd52"></a><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LIBOR and other benchmark-related civil litigation:</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> A number of putative class actions and other actions are pending in
the federal courts in New York against UBS and numerous other banks on behalf
of parties who transacted in certain interest rate benchmark-based derivatives.
Also pending in the US and in other jurisdictions are a number of other actions
asserting losses related to various products whose interest rates were linked
to LIBOR and other benchmarks, including adjustable rate mortgages, preferred
and debt securities, bonds pledged as collateral, loans, depository accounts,
investments and other interest-bearing instruments. The complaints allege
manipulation, through various means, of certain benchmark interest rates,
including USD&nbsp;LIBOR, Euroyen TIBOR, Yen LIBOR, EURIBOR, CHF&nbsp;LIBOR, GBP
LIBOR, SGD SIBOR and SOR and Australian BBSW, and seek unspecified compensatory
and other damages under varying legal theories.<a name="XBRL_TS_991297f663714262a679ccd52_bclEnd"></a></font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">USD&nbsp;LIBOR class and individual
actions in the US: </font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2013 and 2015, the district
court in the USD&nbsp;LIBOR actions dismissed, in whole or in part, certain
plaintiffs&#8217; antitrust claims, federal racketeering claims, CEA claims, and
state common law claims. Although the Second Circuit vacated the district
court&#8217;s judgment dismissing antitrust claims, the district court again
dismissed antitrust claims against UBS in 2016. Certain plaintiffs have
appealed that decision to the Second Circuit. Separately, in 2018, the Second
Circuit reversed in part the district court&#8217;s 2015 decision dismissing certain
individual plaintiffs&#8217; claims and certain of these actions are now proceeding.
UBS entered into an agreement in 2016 with representatives of a class of
bondholders to settle their USD&nbsp;LIBOR class action. The agreement has
received final court approval. In 2018, the district court denied plaintiffs&#8217;
motions for class certification in the USD&nbsp;class actions for claims
pending against UBS, and plaintiffs sought permission to appeal that ruling to
the Second Circuit. In July 2018, the Second Circuit denied the petition to
appeal of the class of USD&nbsp;lenders and in November 2018 denied the
petition of the USD&nbsp;exchange class. In December 2019, UBS entered into an
agreement with representatives of the class of USD&nbsp;lenders to settle their
USD&nbsp;LIBOR class action. The agreement has received final court approval.
In January 2019, a putative class action was filed in the District Court for
the Southern District of New York against UBS and numerous other banks on
behalf of US residents who, since 1&nbsp;February 2014, directly transacted
with a defendant bank in USD&nbsp;LIBOR instruments. The complaint asserts
antitrust claims. The defendants moved to dismiss the complaint in August 2019.
On 26 March 2020 the court granted defendants&#8217; motion to dismiss the complaint
in its entirety. Plaintiffs have appealed the dismissal. In August 2020, an
individual action was filed in the Northern District of California against UBS
and numerous other banks alleging that the defendants conspired to fix the
interest rate used as the basis for loans to consumers by jointly setting the
USD LIBOR rate and monopolized the market for LIBOR-based consumer loans and
credit cards. </font></p>

<i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></i><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Other benchmark class actions in the US: </font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">In 2014, 2015 and 2017, the court in one of the Euroyen TIBOR
lawsuits dismissed certain of the plaintiffs&#8217; claims, including plaintiffs&#8217;
federal antitrust and racketeering claims. In August 2020, the court granted
defendants&#8217; motion for judgment on the pleadings and dismissed the lone
remaining claim in the action as impermissibly extraterritorial. Plaintiffs
have appealed. In 2017, the court dismissed the other Yen LIBOR / Euroyen TIBOR
action in its entirety on standing grounds. In April 2020, the appeals court
reversed the dismissal and in August 2020 plaintiffs in that action filed an
amended complaint. Defendants moved to dismiss the amended complaint in October
2020. In 2017, the court dismissed the CHF&nbsp;LIBOR action on standing
grounds and failure to state a claim. Plaintiffs filed an amended complaint
following the dismissal, and the court granted a renewed motion to dismiss in
September 2019. Plaintiffs have appealed. Also in 2017, the court in the
EURIBOR lawsuit dismissed the case as to UBS and certain other foreign
defendants for lack of personal jurisdiction. Plaintiffs have appealed. In
October 2018, the court in the SIBOR / SOR action dismissed all but one of
plaintiffs&#8217; claims against UBS. Plaintiffs filed an amended complaint following
the dismissal, and the courts granted a renewed motion to dismiss in July 2019.
Plaintiffs have appealed. In November 2018, the court in the BBSW lawsuit
dismissed the case as to UBS and certain other foreign defendants for lack of
personal jurisdiction. Following that dismissal, plaintiffs filed an amended
complaint in April 2019, which UBS and other defendants named in the amended
complaint moved to dismiss. <a name="_Hlk32592160"></a>In February 2020, the court
in the BBSW action granted in part and denied in part defendants&#8217; motions to
dismiss the amended complaint. In August 2020, UBS and other BBSW
defendants joined a motion for judgment on the pleadings. The court dismissed
the GBP LIBOR action in August 2019. Plaintiffs have appealed. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Government
bonds:</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;"> Putative class
actions have been filed since 2015 in US federal courts against UBS and other
banks on behalf of persons who participated in markets for US Treasury securities
since 2007. A consolidated complaint was filed in 2017 in the </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">US District Court for the Southern District of New York </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">alleging that the banks colluded with respect to,
and manipulated prices of, US Treasury securities sold at auction and in the secondary
market and asserting claims under the antitrust laws and for unjust enrichment.
Defendants&#8217; motions to dismiss the consolidated complaint are pending. Similar
class actions have been filed concerning European government bonds and other
government bonds.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS and reportedly other banks are responding
to investigations and requests for information from various authorities
regarding government bond trading practices. As a result of its review to date,
UBS has taken appropriate action.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.05pt;line-height:11.5pt;">&nbsp;</font></p>









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 <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">75</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-GB style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">Provisions and contingent liabilities </font></b><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">(continued)&nbsp;</font></b></p>

</div>









<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><a name="XBRL_TS_14ae9a70e5ac4342bf86bc610"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">With
respect to additional matters and jurisdictions not encompassed by the
settlements and orders referred to above, our balance sheet at 31&nbsp;December
2020 reflected a provision in an amount that UBS believes to be appropriate
under the applicable accounting standard. As in the case of other matters for which
we have established provisions, the future outflow of resources in respect of
such matters cannot be determined with certainty based on currently available
information and accordingly may ultimately prove to be substantially greater
(or may be less) than the provision that we have recognized.<a name="XBRL_TS_14ae9a70e5ac4342bf86bc610_bclEnd"></a></font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="XBRL_TS_7c6883ce518d41b7865720586"></a><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">6. Swiss retrocessions</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Federal Supreme
Court of Switzerland ruled in 2012, in a test case against UBS, that
distribution fees paid to a firm for distributing third-party and intra-group
investment funds and structured products must be disclosed and surrendered to
clients who have entered into a discretionary mandate agreement with the firm,
absent a valid waiver. FINMA issued a supervisory note to all Swiss banks in
response to the Supreme Court decision. UBS has met the FINMA requirements and
has notified all potentially affected clients.</font></p>

<font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The Supreme Court decision has resulted, and
may continue to result, in a number of client requests for UBS to disclose and
potentially surrender retrocessions. Client requests are assessed on a
case-by-case basis. Considerations taken into account when assessing these
cases include, among other things, the existence of a discretionary mandate and
whether or not the client documentation contained a valid waiver with respect
to distribution fees.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our balance sheet at 31&nbsp;December 2020 reflected a provision with respect
to matters described in this item 6 in an amount that UBS believes to be
appropriate under the applicable accounting standard. The ultimate exposure
will depend on client requests and the resolution thereof, factors that are
difficult to predict and assess. Hence, as in the case of other matters for
which we have established provisions, the future outflow of resources in
respect of such matters cannot be determined with certainty based on currently
available information and accordingly may ultimately prove to be substantially
greater (or may be less) than the provision that we have recognized.<a name="XBRL_TS_7c6883ce518d41b7865720586_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Interim_ConsoFS_UBSAG"></a><a name="RG_MARKER_117193"></a><a name="RG_MARKER_117030"></a></p>
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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">76</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">UBS AG
interim consolidated financial <a name="RG_MARKER_117030_bclEnd"></a><a name="RG_MARKER_117193_bclEnd"></a><br>
information (unaudited)<a name="Interim_ConsoFS_UBSAG_bclEnd"></a></font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">This section contains a comparison of
selected financial and capital information between UBS Group AG consolidated
and UBS AG consolidated. Information for UBS AG consolidated does not differ
materially from UBS Group AG on a consolidated</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">basis.</font></p>

<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><a name="Comparison_GroupVsAG"></a><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Comparison
between UBS Group AG consolidated and UBS&nbsp;AG consolidated</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Comparison_GroupVsAG_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The accounting policies applied under International Financial
Reporting Standards (IFRS) to both the UBS Group AG and the UBS AG consolidated
financial statements are identical. However, there are certain scope and
presentation differences as noted below.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Assets, liabilities, operating income, operating
expenses and operating profit before tax relating to UBS Group AG and its
directly held subsidiaries, including UBS Business Solutions AG, are reflected
in the consolidated financial statements of UBS Group AG but not of UBS AG. UBS
AG&#8217;s assets, liabilities, operating income and operating expenses related to
transactions with UBS Group AG and its directly held subsidiaries, including
UBS Business Solutions AG and other shared services subsidiaries, are not
subject to elimination in the UBS AG consolidated financial statements, but are
eliminated in the UBS Group AG consolidated financial statements. UBS Business
Solutions AG and other shared services subsidiaries of UBS Group AG charge
other legal entities within the UBS AG consolidation scope for services
provided, including a markup on costs incurred.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The equity of UBS Group AG consolidated was USD&nbsp;1.7&nbsp;billion
higher than the equity of UBS AG consolidated as of 31&nbsp;December 2020. This
difference was mainly driven by higher dividends paid by UBS AG to UBS Group AG
compared with the dividend distributions of UBS Group AG, as well as higher
retained earnings in the UBS Group AG consolidated financial statements,
largely related to the aforementioned markup charged by shared services
subsidiaries of UBS Group AG to other legal entities in the UBS AG scope of
consolidation. In addition, UBS Group AG is the grantor of the majority of the
compensation plans of the Group and recognizes share premium for equity-settled
awards granted. These effects were partly offset by treasury shares acquired as
part of our share repurchase program and those held to hedge share delivery
obligations associated with Group compensation plans, as well as additional
share premium recognized at the UBS AG consolidated level related to the
establishment of UBS Group AG and UBS Business Solutions AG, a wholly owned
subsidiary of UBS Group AG.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The going concern capital of UBS Group AG
consolidated was USD&nbsp;3.6 billion higher than the going concern capital of
UBS&nbsp;AG consolidated as of 31&nbsp;December 2020, reflecting higher going
concern loss-absorbing additional tier 1 (AT1) capital of
USD&nbsp;1.9&nbsp;billion and higher common equity tier 1 (CET1) capital of
USD&nbsp;1.8&nbsp;billion. </font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The CET1 capital of UBS Group AG consolidated
was USD&nbsp;1.8 billion higher than that of UBS AG consolidated as of
31&nbsp;December 2020. The higher CET1 capital of UBS Group AG consolidated was
primarily due to a higher UBS Group AG consolidated IFRS equity of USD&nbsp;1.7&nbsp;billion,
as described above, and lower UBS Group AG accruals for future dividends to
shareholders, as well as an additional capital deduction at the UBS AG
consolidated level related to deferred tax assets on temporary differences. The
aforementioned factors were partly offset by a capital reserve for potential
share repurchases and compensation-related regulatory capital accruals at the
UBS Group AG level.</font></p>

<p style="margin-bottom:0cm;margin-left:11.35pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8211;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:11.5pt;">&nbsp;&nbsp;
</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The going concern loss-absorbing AT1 capital of
UBS Group AG consolidated was USD&nbsp;1.9&nbsp;billion higher than that of UBS
AG consolidated as of 31&nbsp;December 2020, reflecting the effect of deferred
contingent capital plan awards.</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">UBS Group AG
 interim consolidated financial information (unaudited)</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:2.0pt;"></font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=5 width=100% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">Comparison between UBS Group AG
  consolidated and UBS AG consolidated</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=37% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended 31.12.20</font></b></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where
  indicated</font></i></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS Group AG</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></b></p>
  </td>
 <td valign=bottom width=12% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS AG</font></b></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></b></p>
  </td>
 <td valign=bottom width=12% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(absolute)</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=62% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Income statement</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,117&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,220&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(103)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,060&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,252&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(192)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,057&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,968&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;89&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Global Wealth
  Management</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;936&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;926&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Personal &amp;
  Corporate Banking</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;353&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Asset Management</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;401&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;401&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Investment Bank</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;529&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;528&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: Group Functions</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(161)&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(241)&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;79&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,717&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,644&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;73&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net profit /
  (loss) attributable to shareholders</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,708&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,635&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;73&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: net profit /
  (loss) attributable to non-controlling interests</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=62% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Statement of comprehensive
  income</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other comprehensive income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">83</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">54</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">29</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: attributable to
  shareholders</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">65</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">36</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">29</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: attributable to
  non-controlling interests</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">18</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">18</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total comprehensive income</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,799</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,697</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">102</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: attributable to shareholders</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,773</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,671</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">102</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: attributable to
  non-controlling interests</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">27</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">27</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=62% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Balance sheet</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,125,765</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,125,327</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">438</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total liabilities</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,065,928</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,067,182</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(1,254)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total equity </font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">59,836</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">58,145</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,691</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: equity
  attributable to shareholders</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">59,517</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">57,825</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,691</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">of which: equity
  attributable to non-controlling interests</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">319</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><i><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">319</font></i></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=62% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=13% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=#9A3D37 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;">Capital information</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">39,966</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">38,192</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,773</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">56,254</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">52,622</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3,632</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">289,101</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">286,743</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,358</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">13.8</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">13.3</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.5</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">19.5</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">18.4</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1.1</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">35.2</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">34.2</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1.0</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,037,150</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,036,771</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">379</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (with temporary FINMA exemption)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">944,323</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">969,396</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(25,073)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3.85</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3.68</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.17</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%) (with temporary FINMA
  exemption)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4.23</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">3.94</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.29</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">5.4</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">5.1</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=62% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%) (with temporary FINMA
  exemption)<sup>1</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">6.0</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">5.4</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.5</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=bottom width=62% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity leverage ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">9.8</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 4.25pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">9.5</font></b></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.3</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td colspan=5 valign=top width=100% style="border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1&nbsp;Refer to the &#8220;Recent developments&#8221; section of our second
  quarter 2020 report and the &#8220;Capital management&#8221; section of this report for
  further details about the temporary FINMA exemption.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>




<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:9.0pt;line-height:2.0pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td colspan=3 width=50% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended 30.9.20</font></p>
  </td>
 <td width=1% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=49% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended 31.12.19</font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td valign=bottom width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS Group AG</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS AG</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(absolute)</font></p>
  </td>
 <td valign=bottom width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS Group AG</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></p>
  </td>
 <td valign=bottom width=16% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">UBS AG</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">consolidated</font></p>
  </td>
 <td valign=bottom width=17% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Difference</font></p>
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(absolute)</font></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
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<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,935&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,038&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(103)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,052&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,145&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(93)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,357&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,560&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(203)&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,124&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,332&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(207)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,578&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,478&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;100&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;928&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;814&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;114&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,057&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,042&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;766&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;754&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;335&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;310&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;311&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;739&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;739&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;180&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;180&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;632&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;623&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(22)&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(18)&nbsp;</font></i></p>
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 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(4)&nbsp;</font></i></p>
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 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(184)&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(261)&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;77&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(306)&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(413)&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;107&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,094&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,018&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;727&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;628&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;100&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,093&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,018&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;76&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;722&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;622&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;100&nbsp;</font></i></p>
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 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">86</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">70</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">16</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,295)&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,475)&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(819)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">80</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">64</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">16</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(2,299)&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,479)&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(819)&nbsp;</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">6</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">6</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,180</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,088</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">92</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,567)&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(847)&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(720)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,173</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">2,081</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">92</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(1,577)&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(857)&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(720)</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">7</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">7</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;10&nbsp;</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,065,153</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,064,621</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">532</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">972,194</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">971,927</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">267</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,005,409</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,006,868</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(1,459)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">917,519</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">918,031</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(512)</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">59,744</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">57,753</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,991</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">54,675</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">53,896</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">779</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">59,451</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">57,461</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,991</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">54,501</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">53,722</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">779</font></i></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">293</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">293</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">174</font></i></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">174</font></i></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0</font></i></p>
  </td>
 </tr>
<tr style="height:7.5pt;">
  <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;height:7.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,197&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,652&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(454)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,535&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,233&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">302</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;54,396&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,004&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,392</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;51,842&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,191&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">4,650</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;283,133&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;281,442&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,691</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;259,208&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;257,831&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1,376</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.5&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(0.2)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.0</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;19.2&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.8&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.4</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;20.0&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.3&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1.7</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.5&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.2&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.6&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.9&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.7</font></p>
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 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994,366&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994,015&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">352</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,322&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,228&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">94</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;907,181&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;931,978&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(24,797)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.84&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.89&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">(0.05)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.90&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.87&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.03</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.21&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.15&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.06</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.5&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.3&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.1</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.5</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6.0&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.3</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.7&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.1</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.8&nbsp;</font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.6&nbsp;</font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.75pt;padding:0cm 3.5pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">0.2</font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td valign=top width=17% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">&nbsp;</font></p>
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 </tr>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">UBS AG consolidated key figures</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the quarter ended</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
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  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of or for the year ended</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">USD million, except where indicated</font></i></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><i><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></i></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
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  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Results</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
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  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating income</font></p>
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 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8,220&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9,038&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,145&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;32,780&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;29,307&nbsp;</font></p>
  </td>
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<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating expenses</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,252&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,560&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,332&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;25,009&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;24,138&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Operating profit / (loss) before tax</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,968&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,478&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;814&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7,770&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5,169&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit / (loss) attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,635&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;2,018&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;622&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;6,267&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,965&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Profitability and growth<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.3&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;14.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.4&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on tangible equity (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.8&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;8.5&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on common equity tier 1 capital (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;17.0&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;21.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;7.1&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;16.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on risk-weighted assets, gross (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.7&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;12.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.0&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;11.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Return on leverage ratio denominator, gross (%)<sup>2</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.3&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Cost / income ratio (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;75.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;71.9&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;88.5&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;74.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;82.1&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Net profit growth (%)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;162.9&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;108.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;128.4&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;58.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;(3.4)&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Resources<sup>1</sup></font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total assets</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,327&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,064,621&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;971,927&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,125,327&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;971,927&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Equity attributable to shareholders</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57,825&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57,461&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,722&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;57,825&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;53,722&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,192&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,652&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,233&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;38,192&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;35,233&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Risk-weighted assets<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;286,743&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;281,442&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;257,831&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;286,743&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;257,831&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 capital ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.3&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;13.7&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern capital ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.4&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.8&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.3&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;18.3&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.2&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.9&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;34.2&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;33.9&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,036,771&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;994,015&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,228&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1,036,771&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;911,228&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Leverage ratio denominator (with temporary FINMA exemption)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;969,396&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;931,978&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;969,396&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.68&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.89&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.87&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.68&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.87&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Common equity tier 1 leverage ratio (%) (with temporary FINMA
  exemption)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.94&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4.15&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3.94&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.3&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.1&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.2&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Going concern leverage ratio (%) (with temporary FINMA
  exemption)<sup>4</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;5.4&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Total loss-absorbing capacity leverage ratio (%)<sup>3</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.5&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.7&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.6&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.5&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;9.6&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Other</font></b></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Invested assets (USD billion)<sup>5</sup></font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,187&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,807&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,607&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;4,187&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;3,607&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=58% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Personnel (full-time equivalents)</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,546&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,584&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,005&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,546&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;47,005&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td colspan=8 valign=top width=100% style="border:none;height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1&nbsp;Refer to the&nbsp;&#8220;Performance targets and measurement&#8221;
  section of our Annual Report 2019 for more information about our performance
  measurement.&#160;&#160;&#160; 2&nbsp;The leverage ratio denominators used for the return
  calculations relating to the respective periods in 2020 do not reflect the
  effects of the temporary exemption that has been granted by FINMA in
  connection with COVID-19. Refer to the &#8220;Recent developments&#8221; section of our
  second quarter 2020 report for more information.&#160;&#160;&#160; 3&nbsp;Based on the Swiss
  systemically relevant bank framework as of 1 January 2020. Refer to the
  &#8220;Capital management&#8221; section of this report for more information.&#160;&#160;&#160;
  4&nbsp;Refer to the &#8220;Recent developments&#8221; section of our second quarter 2020
  report and the &#8220;Capital management&#8221; section of this report for further
  details about the temporary FINMA exemption.&#160;&#160;&#160; 5&nbsp;Includes invested
  assets for Global Wealth Management, Asset Management and Personal &amp;
  Corporate Banking.&#160;&#160;&#160; </font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:11.35pt;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Ccy_translation_rates"></a><a name="RG_MARKER_117438"></a><a name="RG_MARKER_117440"></a><a name="RG_MARKER_117017"></a><a name="RG_MARKER_117017_bclEnd"></a><a name="RG_MARKER_117438_bclEnd"></a><a name="RG_MARKER_117440_bclEnd"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">80</font></font></font><font style="border:none;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_84"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;"></font></p>

<div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">

<p style="border:none;margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;padding:0cm;"><a name="XBRL_TS_2976e5d5a91f48478a04cf903"></a><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Currency translation
rates<a name="Ccy_translation_rates_bclEnd"></a><a name="XBRL_TS_2976e5d5a91f48478a04cf903_bclEnd"></a></font></b></p>

</div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="XBRL_TS_d0d3a753a0e246d1b619fad91"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The following table shows the rates of the main currencies used to
translate the financial information of UBS&#8217;s operations with a functional
currency other than the US dollar into US dollars.<a name="XBRL_TS_d0d3a753a0e246d1b619fad91_bclEnd"></a></font></p>










<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 title="Print_Area" border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Closing exchange rate</font></b></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=6 width=37% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">Average rate<sup>1</sup></font></b></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=24% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">As of</font></p>
  </td>
 <td width=1% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 width=21% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the quarter ended</font></p>
  </td>
 <td width=1% style="border:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 width=15% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">For the year ended</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=8% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></b></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">30.9.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.20</font></p>
  </td>
 <td width=7% style="border-bottom:solid #74726F 1.0pt;border-left:none;border-right:none;border-top:solid #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">31.12.19</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1 CHF</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.13&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.09&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.03&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.11&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.10&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.02&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.07&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.01&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1 EUR</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.22&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.17&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.12&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.19&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.18&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.11&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.15&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.12&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">1 GBP</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.37&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.29&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.32&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.33&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.31&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.31&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.29&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:dotted #74726F 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;1.28&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=37% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">100 JPY</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.97&nbsp;</font></b></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.95&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.92&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.96&nbsp;</font></b></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.95&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.92&nbsp;</font></p>
  </td>
 <td width=1% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&nbsp;</font></p>
  </td>
 <td width=8% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.94&nbsp;</font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid #74726F 1.5pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:7.5pt;">&#160;0.92&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td colspan=12 valign=top width=100% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;">1 Monthly income statement items of operations with a functional
  currency other than the US dollar are translated with month-end rates into US
  dollars. Disclosed average rates for a quarter or a year represent an average
  of three month-end rates or an average of twelve month-end rates,
  respectively, weighted according to the income and expense volumes of all
  operations of the Group with the same functional currency for each month. Weighted
  average rates for individual business divisions may deviate from the weighted
  average rates for the Group.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="alternative_per_mes"></a><a name="RG_MARKER_117179"></a></p>
<DIV bclFooter>
<font face="Frutiger 45 Light,sans-serif" style="mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-bidi-font-size:10.0pt;mso-bidi-language:AR-SA;mso-fareast-font-family:Times New Roman;mso-fareast-language:DE;">&nbsp;</font>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="border:none;"><font style="mso-spacerun:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&nbsp;</font></font><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">81</font></font></font><font style="border:none;mso-no-proof:yes;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font color=windowtext style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_85"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Appendix</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>
<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Alternative perf<a name="RG_MARKER_117179_bclEnd"></a>ormance measures</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:0cm;"><a name="alternative_per_mes_bclEnd"></a><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr style="height:87.35pt;page-break-inside:avoid;">
  <td valign=top width=100% style="border-bottom:none;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.0pt;height:87.35pt;padding:1.4pt 0cm 0cm 0cm;">
  <div style="border:none;border-bottom:solid #74726F 1.0pt;padding:0cm 0cm 3.0pt 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Alternative performance measures</font></b></p>
  </div>

  <p style="margin:0cm;margin-bottom:.0001pt;margin-top:6.0pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">An
  alternative performance measure (an APM) is a financial measure of historical
  or future financial performance, financial position or cash flows other than
  a financial measure defined or specified in the applicable recognized
  accounting standards or in other applicable regulations. We report a number
  of APMs in the discussion of the financial and operating performance of the
  Group, our business divisions and our Group Functions. We use APMs to provide
  a more complete picture of our operating performance and to reflect
  management&#8217;s view of the fundamental
  drivers of our business results. A definition of each APM, the method used to
  calculate it and the information content are presented in the table below. Our
  APMs may qualify as non-GAAP measures as defined by US Securities and
  Exchange Commission (SEC) regulations.</font></p>
  </td>
 </tr>
</table></div>


<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=29% style="background:#646464;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">APM label</font></b></p>
  </td>
 <td width=36% style="background:#646464;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Definition</font></b></p>
  </td>
 <td width=35% style="background:#646464;border:none;border-bottom:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Information
  content</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:51.05pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:51.05pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Invested assets</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, P&amp;C, AM</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:51.05pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the sum of managed
  fund assets, managed institutional assets, discretionary and advisory wealth
  management portfolios, fiduciary deposits, time deposits, savings accounts,
  and wealth management securities or brokerage accounts.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:51.05pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the volume of client assets managed by or deposited with UBS for investment
  purposes.</font></p>
  </td>
 </tr>
<tr style="height:42.55pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:7.5pt;line-height:9.0pt;">Client assets</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=FR style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the sum of invested
  assets and other assets held purely for transactional purposes or custody
  only.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the volume of client assets managed by or deposited with UBS for investment
  purposes, including other assets held purely for transactional purposes or
  custody only.</font></p>
  </td>
 </tr>
<tr style="height:22.7pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Recurring income </font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the total of net
  interest income and recurring net fee income.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the amount of recurring net interest and fee income.</font></p>
  </td>
 </tr>
<tr style="height:60.45pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:60.45pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Recurring net fee income</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:60.45pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the total of fees for
  services provided on an ongoing basis, such as portfolio management fees,
  asset-based investment fund fees and custody fees, which are generated on
  client assets, and administrative fees for accounts (as well as credit card
  fees for GWM). </font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:60.45pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the amount of recurring net fee income.</font></p>
  </td>
 </tr>
<tr style="height:70.9pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:70.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Transaction-based income</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:70.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the total of the
  non-recurring portion of net fee and commission income, mainly composed of
  brokerage and transaction-based investment fund fees, as well as fees for
  payment and foreign exchange transactions (and credit card fees for P&amp;C),
  together with other net income from financial instruments measured at fair
  value through profit or loss.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:70.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the amount of the non-recurring portion of net fee and commission income.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Cost / income ratio (%)</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as operating expenses
  divided by operating income before credit loss expense or release.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the efficiency of the business by comparing operating expenses with gross
  income.</font></p>
  </td>
 </tr>
<tr style="height:33.35pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:33.35pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Gross margin on invested assets
  (bps)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, AM</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:33.35pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as operating income
  before credit loss expense or release (annualized as applicable) divided by
  average invested assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:33.35pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the operating income before credit loss expense or release of the business in
  relation to invested assets.</font></p>
  </td>
 </tr>
<tr style="height:42.55pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net interest margin (bps)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as net interest income
  (annualized as applicable) divided by average loans.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:42.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the profitability of the business by calculating the difference between the
  price charged for lending and the cost of funding, relative to loan value.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net margin on invested assets
  (bps)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM, AM</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as operating profit
  before tax (annualized as applicable) divided by average invested assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the operating profit before tax of the business in relation to invested
  assets.</font></p>
  </td>
 </tr>
<tr style="height:33.7pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:33.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Business volume for Personal
  Banking (CHF billion)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:33.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the sum of client
  assets and loans.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:33.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the volume of client assets and loans.</font></p>
  </td>
 </tr>
<tr style="height:35.55pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:35.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net new business volume for
  Personal Banking (CHF billion) </font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:35.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the sum of net inflows
  and outflows of client assets and loans during a specific period (annualized
  as applicable).</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:35.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the business volume as a result of net new business volume flows during a
  specific period.</font></p>
  </td>
 </tr>
<tr style="height:42.95pt;page-break-inside:avoid;">
  <td valign=top width=29% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.95pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net new business volume growth for
  Personal Banking (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=36% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:42.95pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as total net inflows and
  outflows of client assets and loans during the period (annualized as
  applicable) divided by total business volume / client assets at the beginning
  of the period.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:42.95pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the growth of the business volume as a result of net new business volume
  flows during a specific period.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:5.0pt;">&nbsp;</font></p>


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 <p style="border:none;margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

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<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=30% style="background:#595959;border:none;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">APM label</font></b></p>
  </td>
 <td width=35% style="background:#595959;border:none;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Calculation
  </font></b></p>
  </td>
 <td width=35% style="background:#595959;border-bottom:solid white 1.5pt;border-left:none;border-right:none;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Information
  content</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:48.2pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:48.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net profit growth (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:48.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the change in net
  profit attributable to shareholders from continuing operations between
  current and comparison periods divided by net profit attributable to
  shareholders from continuing operations of the comparison period.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:48.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  profit growth in comparison with the prior period.</font></p>
  </td>
 </tr>
<tr style="height:59.55pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:59.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Pre-tax profit growth (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:59.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the change in net
  profit before tax attributable to shareholders from continuing operations
  between current and comparison periods divided by net profit before tax
  attributable to shareholders from continuing operations of the comparison
  period.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:59.55pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about pre-tax profit growth in comparison with the prior period.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Recurring income as a percentage
  of income (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as net interest income
  and recurring net fee income divided by operating income before credit loss
  expense or release.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the proportion of recurring income in operating income.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light Bold" lang=EN-US style="font-size:7.5pt;letter-spacing:-.1pt;line-height:9.0pt;">Return on common equity tier 1 capital (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized net profit
  attributable to shareholders divided by average common equity tier 1 capital.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the profitability of the business in relation to common equity tier 1
  capital. </font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Return on equity (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized net profit
  attributable to shareholders divided by average equity attributable to
  shareholders.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the profitability of the business in relation to equity.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Return on attributed equity (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized business
  division operating profit before tax divided by average attributed equity.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the profitability of the business divisions in relation to attributed equity.</font></p>
  </td>
 </tr>
<tr style="height:34.9pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Return on leverage ratio denominator,
  gross (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized operating
  income before credit loss expense or release divided by average leverage
  ratio denominator.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the revenues of the business in relation to leverage ratio denominator.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Return on risk-weighted <br>
  assets, gross (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized operating
  income before credit loss expense or release divided by average risk-weighted
  assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the revenues of the business in relation to risk-weighted assets.</font></p>
  </td>
 </tr>
<tr style="height:39.7pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Return on tangible equity (%)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as annualized net profit
  attributable to shareholders divided by average equity attributable to
  shareholders less average goodwill and intangible assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the profitability of the business in relation to tangible equity.</font></p>
  </td>
 </tr>
<tr style="height:22.7pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Total book value per share </font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">(USD and CHF<sup>1</sup>)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as equity attributable to
  shareholders divided by the number of shares outstanding.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  net assets on a per-share basis.</font></p>
  </td>
 </tr>
<tr style="height:34.0pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Tangible book value per share
  (USD and CHF<sup>1</sup>)</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as equity attributable to
  shareholders less goodwill and intangible assets divided by the number of
  shares outstanding.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.0pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  tangible net assets on a per-share basis.</font></p>
  </td>
 </tr>
<tr style="height:22.7pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Loan penetration (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as loans divided by
  invested assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the loan volume in relation to invested assets.</font></p>
  </td>
 </tr>
<tr style="height:22.7pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Mandate penetration (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; GWM</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as mandate volume divided
  by invested assets.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:22.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about mandate volume in relation to invested assets.</font></p>
  </td>
 </tr>
<tr style="height:57.4pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:57.4pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net new mandates (USD billion) &#8211;
  GWM</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:57.4pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as
  the sum of the net amount of
  mandate inflows and outflows during a specific period.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:57.4pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the development of assets related to mandates during a specific period
  as a result of net new mandate flows and excludes movements due to market
  performance, foreign exchange translation, dividends, interest and fees.</font></p>
  </td>
 </tr>
<tr style="height:63.2pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:63.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Net new money (USD billion) &#8211;
  GWM, AM </font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:63.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as
  the sum of the net amount of
  inflows and outflows of invested assets (as defined in UBS policy) recorded
  during a specific period.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:63.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the</font><strike><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;"> </font></strike><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">development of invested assets during a specific period as a
  result of net new money flows and excludes movements due to market
  performance, foreign exchange translation, dividends, interest and fees.</font></p>
  </td>
 </tr>
<tr style="height:35.8pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:35.8pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Impaired loan portfolio as a
  percentage of total loan portfolio, gross (%) &#8211; GWM, P&amp;C</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:35.8pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as impaired loan
  portfolio divided by total gross loan portfolio.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:35.8pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the proportion of impaired loan portfolio in the total gross loan
  portfolio.</font></p>
  </td>
 </tr>
<tr style="height:34.65pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.65pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Secured loan portfolio as a
  percentage of total loan portfolio, gross (%) &#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:34.65pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as secured loan portfolio
  divided by total gross loan portfolio.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:34.65pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information
  about the proportion of secured loan portfolio in the total gross loan
  portfolio.</font></p>
  </td>
 </tr>
</table></div>






<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>


<DIV bclFooter>
<font face="Frutiger 45 Light,sans-serif" style="mso-ansi-language:EN-US;mso-bidi-font-family:Times New Roman;mso-bidi-font-size:10.0pt;mso-bidi-language:AR-SA;mso-fareast-font-family:Times New Roman;mso-fareast-language:DE;">&nbsp;</font>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:right;"><font style="border:none;"><font style="mso-spacerun:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">&#160;&nbsp;</font></font><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">83</font></font></font><font style="border:none;mso-no-proof:yes;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font color=windowtext style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_87"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-line-height-rule:exactly;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:12.0pt;">Appendix</font></font><font style="border:none;">&nbsp;</font></p>

</DIV>

<div align=left><table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:14.2pt;page-break-inside:avoid;">
  <td width=30% style="background:#595959;border:none;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">APM label</font></b></p>
  </td>
 <td width=35% style="background:#595959;border:none;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Calculation
  </font></b></p>
  </td>
 <td width=35% style="background:#595959;border-bottom:solid white 1.5pt;border-left:none;border-right:none;border-top:solid white 1.5pt;height:14.2pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">Information
  content</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font color=white face="Frutiger 47 Light CN,sans-serif" style="font-size:9.0pt;line-height:8.25pt;">&nbsp;</font></b></p>
  </td>
 </tr>
<tr style="height:87.9pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Active Digital Banking clients in
  Personal Banking (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the number of clients
  (within the meaning of numbers of unique business relationships operated by
  Personal Banking), excluding persons under the age of 15, clients who do not
  have a private account, clients domiciled outside Switzerland, and clients
  who have defaulted on loans or credit facilities, who have logged on at least
  once within the past month divided by the total number of clients (within the
  aforementioned meaning).</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the proportion of active Digital Banking clients in the total number of UBS
  clients (within the aforementioned meaning) who are serviced by Personal
  Banking.</font></p>
  </td>
 </tr>
<tr style="height:87.9pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Active Digital Banking clients in
  Corporate &amp; Institutional Clients (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the number of clients
  (within the meaning of numbers of unique business relationships or legal
  entities operated by Corporate &amp; Institutional Clients), excluding
  clients that do not have an account, mono-product clients and clients that
  have defaulted on loans or credit facilities, which have logged on at least
  once within the past month divided by the total number of clients (within the
  aforementioned meaning).</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:87.9pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the proportion of active Digital Banking clients in the total number of UBS
  clients (within the aforementioned meaning) which are serviced by Corporate
  &amp; Institutional Clients.</font></p>
  </td>
 </tr>
<tr style="height:39.7pt;page-break-inside:avoid;">
  <td valign=top width=30% style="background:#BEBEBE;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Mobile Banking log-in share in
  Personal Banking (%)</font></b></p>
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">&#8211; P&amp;C</font></b></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border-bottom:solid white 1.5pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">Calculated as the number of Mobile
  Banking app <br>
  log-ins divided by total log-ins via E-Banking and the Mobile Banking app in
  Personal Banking.</font></p>
  </td>
 <td valign=top width=35% style="background:#E6E6E6;border:none;border-bottom:solid white 1.5pt;height:39.7pt;padding:1.4pt 0cm 0cm 0cm;">
  <p style="margin-bottom:0cm;margin-left:2.85pt;margin-right:2.85pt;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:9.0pt;">This measure provides information about
  the proportion of Mobile Banking app log-ins in the total number of log-ins
  via E-Banking and the Mobile Banking app in Personal Banking.</font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;margin-top:3.0pt;text-align:justify;"><b><font color=#9A3D37 face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:5.0pt;font-style:normal;line-height:7.5pt;">1</font></b><sup><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;line-height:7.5pt;"> &nbsp;</font></sup><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;line-height:7.5pt;">Total book value per share and total tangible book value per share
in Swiss francs are calculated based on a translation of equity under our US
dollar presentation currency.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;margin-top:3.0pt;text-align:justify;"><font color=black face="Frutiger 47 Light CN,sans-serif" lang=EN-US style="font-size:6.5pt;line-height:7.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Abbreviations_frequently_used_EN"></a><a name=Abbreviations></a><a name="RG_MARKER_117442"></a><a name="RG_MARKER_117442_bclEnd"></a></p>
<DIV bclFooter>

 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;mso-pagination:widow-orphan;tab-stops:11.3pt;text-align:justify;"><font style="border:none;display:none;mso-hide:all;mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font><font style="border:none;"><font style="mso-no-proof:yes;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;">84</font></font></font><font style="border:none;mso-no-proof:yes;"><font style="display:none;mso-hide:all;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:normal;"></font></font></font><font face="Times New Roman,serif" style="border:none;mso-no-proof:yes;">&nbsp;</font><font style="border:none;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_88"></a><DIV bclPageBorder STYLE="PADDING-TOP: 0in; PADDING-BOTTOM: 0in; WIDTH: 100%; PADDING-RIGHT: 0in; PADDING-LEFT: 0in">

<DIV bclHeader>

 <p style="border:none;margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;"><font style="border:none;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>

</DIV>
<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;"></font></p>

<div style="border:none;border-top:solid #74726F 1.0pt;padding:3.0pt 0cm 0cm 0cm;">

<p style="border:none;margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:14.0pt;line-height:16.0pt;">Abbreviations frequently used in our
financial reports<a name="Abbreviations_bclEnd"></a><a name="Abbreviations_frequently_used_EN_bclEnd"></a></font></p>

</div>


<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>










<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ABS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; asset-backed
securities</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AEI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; automatic
exchange of information</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AGM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Annual General Meeting
of shareholders</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">A-IRB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; advanced internal <br>
ratings-based</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AIV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; alternative
investment vehicle</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ALCO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Asset and Liability
Committee</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AMA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; advanced
measurement approach</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AML &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; anti-money
laundering</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AoA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Articles of
Association</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">APAC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Asia Pacific</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">APM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; alternative
performance measure</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ARR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; alternative
reference rate</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ARS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; auction rate
securities</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ASF &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; available stable
funding</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AT1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; additional tier 1</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">AuM &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; assets under
management</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">B</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">BCBS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Basel Committee on
<br>
Banking Supervision</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">BEAT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; base erosion and
anti-abuse tax</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">BIS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Bank for
International Settlements</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">BoD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Board of
Directors</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">BVG&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss occupational
<br>
pension plan</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">C</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CAO &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Capital Adequacy
Ordinance</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCAR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Comprehensive
Capital Analysis and Review</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCF&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; credit conversion
factor</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; central
counterparty</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; counterparty
credit risk</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCRC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Corporate Culture
and Responsibility Committee</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CCyB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; countercyclical
buffer</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CDO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; collateralized
debt <br>
obligation</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CDS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; credit default
swap</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CEA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Commodity
Exchange Act</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CEM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; current exposure
method</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CEO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive
Officer</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CET1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; common equity tier
1</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CFO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Financial
Officer</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CFTC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; US Commodity
Futures Trading Commission</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CHF&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss franc</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CIC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Corporate &amp;
Institutional Clients</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CIO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Investment
Office</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CLS &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Continuous Linked
Settlement</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CMBS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; commercial
mortgage-backed security</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">C&amp;ORC &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Compliance &amp;
Operational Risk Control</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CRD IV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; EU Capital
Requirements Directive of 2013</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CRM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; credit risk
mitigation (credit risk) or comprehensive risk measure (market risk)</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CRR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Capital
Requirements Regulation</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CST&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; combined stress
test</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">CVA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; credit valuation
adjustment</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-weight:normal;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">D</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DBO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; defined benefit
obligation</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DCCP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Deferred Contingent
Capital Plan </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DJSI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Dow Jones
Sustainability Indices </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; discount margin</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DOJ&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; US Department of
Justice</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">D-SIB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; domestic
systemically important bank</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DTA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; deferred tax
asset</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">DVA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; debit valuation
adjustment</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">E</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EAD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; exposure at
default</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Executive Board</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EBA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; European Banking
Authority</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; European
Commission</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ECB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; European Central
Bank</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ECL&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; expected credit
loss</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EIR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; effective
interest rate</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EL&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; expected loss</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EMEA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Europe, Middle East
and Africa</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EOP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Equity Ownership
Plan</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EPE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; expected
positive exposure</font></p>

<b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EPS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; earnings per
share</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ESG &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; environmental,
social and governance</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ETD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; exchange-traded
derivatives</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ETF&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; exchange-traded
fund</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EU&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; European Union</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EUR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; euro</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EURIBOR&#160;&#160;&#160;&#160;&#160;&#160;&#160; Euro Interbank Offered
Rate</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EVE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; economic value
of equity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">EY&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Ernst &amp;
Young (Ltd)</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-weight:normal;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">F</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; financial
advisor</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FCA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; UK Financial
Conduct <br>
Authority</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FCT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; foreign currency
translation</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FINMA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss Financial
Market Supervisory Authority</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FMIA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss Financial
Market Infrastructure Act</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FSB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Financial
Stability Board</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FTA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss Federal
Tax Administration</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FVA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; funding valuation
adjustment</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FVOCI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; fair value through
other comprehensive income</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FVTPL&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; fair value through
profit or loss</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">FX&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; foreign
exchange</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">G</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GAAP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; generally accepted <br>
accounting principles</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GBP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; pound sterling</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GDP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; gross domestic
product</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GEB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Group Executive
Board</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GIA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Group Internal
Audit</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GIIPS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Greece, Italy,
Ireland, <br>
Portugal and Spain </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GMD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Group Managing
Director</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GRI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Global Reporting
Initiative</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">GSE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; government sponsored
entities</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">G-SIB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; global
systemically important bank</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">H</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">HQLA</font><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">high-quality
liquid assets</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">HR &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; human resources</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>









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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:3.0pt;">&nbsp;</font></p>

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<p style="border:none;margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;padding:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:14.0pt;line-height:16.0pt;">Abbreviations frequently used in our
financial reports (continued)</font></p>

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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">I</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IAA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; internal
assessment approach</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IAS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; International
Accounting Standards</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IASB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; International
Accounting Standards Board</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IBOR &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; interbank offered
rate</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IFRIC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; International
Financial Reporting Interpretations Committee</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IFRS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; International
Financial Reporting Standards</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IHC &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; intermediate
holding company</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IMA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; internal models
approach</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IMM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; internal model
method</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IRB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; internal ratings-based</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IRC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; incremental risk
charge</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">IRRBB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; interest rate risk
in the banking book</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ISDA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; International
Swaps and Derivatives Association</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">K</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">KRT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Key Risk Taker</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">L</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LAS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; liquidity-adjusted
stress</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LCR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; liquidity
coverage ratio</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LGD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; loss given
default</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LIBOR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; London Interbank
Offered Rate</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LLC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; limited
liability company</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LRD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; leverage ratio
denominator</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LTIP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Long-Term
Incentive Plan</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">LTV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; loan-to-value</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">M</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">M&amp;A&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; mergers and
acquisitions</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-weight:normal;line-height:11.5pt;">MiFID II&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Markets in Financial Instruments Directive II</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;font-weight:normal;line-height:11.5pt;">MRT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Material Risk Taker</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">N</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NAV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; net asset value</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NCL&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Non-core and
Legacy Portfolio</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font><p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NII&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; net interest
income</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NRV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; negative
replacement value</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NSFR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; net stable funding
ratio</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">NYSE &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; New York Stock
Exchange</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">O</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">OCA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; own credit
adjustment</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">OCI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; other
comprehensive income</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">OTC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; over-the-counter</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">P</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">PD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; probability of
default&#160;&#160; </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">PFE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; potential future
exposure</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">PIT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; point in time</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">P&amp;L&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; profit or
loss</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">POCI &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; purchased or
originated credit-impaired</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">PRA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; UK Prudential
Regulation Authority </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">PRV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; positive
replacement value</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Q</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">QCCP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; qualifying central
counterparty</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">QRRE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; qualifying
revolving retail exposures</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">R</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RBA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; role-based
allowances</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RBC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; risk-based
capital</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RbM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; risk-based
monitoring</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RMBS&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; residential
mortgage-backed securities</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RniV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; risks not in VaR</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RoAE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; return on
attributed equity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RoCET1 &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; return on CET1
capital</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RoTE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; return on tangible
equity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RoU&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; right-of-use</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RV&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; replacement
value</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RW&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; risk weight</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">RWA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; risk-weighted
assets</font></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-indent:0cm;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">S</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; standardized
approach</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SA-CCR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; standardized approach
for counterparty credit risk</font></p>

<b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SAR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; stock
appreciation right or Special Administrative Region</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SBC &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss Bank
Corporation</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SDG &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Sustainable
Development Goal</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SE&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; structured
entity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SEC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; US Securities and
Exchange Commission</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SEEOP&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Senior Executive
Equity Ownership Plan </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SFT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; securities
financing transaction</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; sustainable
investing</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SICR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; significant
increase in credit risk</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SIX &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; SIX Swiss
Exchange</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SME&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; small and
medium-sized entity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SMF&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Senior
Management Function</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SNB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss National
Bank</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SPPI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; solely payments
of principal and interest</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SRB&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; systemically
relevant bank</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SRM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; specific risk
measure</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">SVaR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; stressed
value-at-risk</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">T</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">TBTF&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; too big to fail</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">TCJA&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; US Tax Cuts and
Jobs Act</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">TLAC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; total
loss-absorbing capacity</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">TTC&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; through-the-cycle</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">U</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UBS RESI&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; UBS Real Estate
Securities Inc.</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">UoM&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; units of measure </font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">USD&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; US dollar</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">V</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">VaR&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; value-at-risk</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">VAT&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; value added tax</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">W</font></b></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">WEKO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Swiss Competition
Commission</font></p>

<p style="margin-bottom:0cm;margin-left:53.85pt;margin-right:0cm;margin-top:0cm;text-indent:-53.85pt;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>








<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">This is a general list of the
abbreviations frequently used in our financial reporting. Not all of the listed
abbreviations may appear in this particular report.</font></p>

<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><a name="Information_sources_EN"></a><a name="Information_sources"></a><a name="RG_MARKER_117443"></a></p>
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<p style="margin-bottom:30.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:28.0pt;line-height:28.0pt;">Information
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<p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:11.3pt;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Reporting publications</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Annual publications</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Annual Report (SAP
No. 80531):</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> Published in English, this
single-volume report provides descriptions of: our Group strategy and
performance; the strategy and performance of the business divisions and Group
Functions; risk, treasury and capital management; corporate governance,
corporate responsibility and our compensation framework, including information
about compensation for the Board of Directors and the Group Executive Board
members; and financial information, including the financial statements. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Gesch&#228;ftsbericht
(SAP No. 80531):</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> This publication provides the
translation into German of our Annual Report. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Annual Review (SAP
No. 80530):</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> This booklet contains key
information about our strategy and performance, with a focus on corporate
responsibility at UBS. It is published in English, German, French and Italian. </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Compensation
Report (SAP No. 82307):</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> This report discusses
our compensation framework and provides information about compensation for the
Board of Directors and the Group Executive Board members. It is available in
English and German.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Quarterly publications</font></b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> &nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The quarterly financial report
provides an update on our strategy and performance for the respective quarter.
It is available in English.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">How to order
publications</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The annual and quarterly publications
are available in .pdf format at </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ubs.com/investors</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">, under
&#8220;Financial information,&#8221; and printed copies can be requested from UBS free of
charge. For annual publications, refer to the &#8220;Investor services&#8221; section at </font><i><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;text-decoration:none;">ubs.com/investors</font></i><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">. </font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Alternatively,
they can be ordered by quoting the SAP number and the language preference,
where applicable, from UBS AG, F4UK&#8211;AUL, P.O. Box, CH-8098 Zurich, Switzerland.
</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></p>

<b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;"><br clear=all>


</font></b><p style="margin-bottom:11.3pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><b><font color=#E60000 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Other information</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Website</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">The &#8220;Investor Relations&#8221; website at </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ubs.com/investors&nbsp;</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;"> provides the following information about
UBS: news releases; financial information, including results-related filings
with the US Securities and Exchange Commission; information for shareholders,
including UBS share price charts, as well as data and dividend information, and
for bondholders; the UBS corporate calendar; and presentations by management
for investors and financial analysts. Information is available online in
English, with some information also available in German.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Results
presentations</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Our quarterly results presentations
are webcast live. Playbacks <br>
of most presentations can be downloaded from </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ubs.com/presentations</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">.&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Messaging service</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">Email
alerts to news about UBS can be subscribed for under </font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#8220;</font><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">UBS News Alert&#8221; at </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">ubs.com/global/en/investor-relations/contact/<br>
investor-services.html</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;letter-spacing:-.1pt;line-height:11.5pt;">. Messages are sent in English, German, French or
Italian, with an option to select theme preferences for such alerts.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">Form 20-F and other
submissions to the US Securities and Exchange Commission</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">We file periodic reports and submit other
information about UBS to the US Securities and Exchange Commission (the SEC).
Principal among these filings is the annual report on Form 20-F, filed pursuant
to the US Securities Exchange Act of 1934. The filing of Form 20-F is
structured as a wrap-around document. Most sections of the filing can be
satisfied by referring to the combined UBS Group AG and UBS AG annual report.
However, there is a small amount of additional information in Form 20-F that is
not presented elsewhere and is particularly targeted at readers in the US.
Readers are encouraged to refer to this additional disclosure. Any document
that we file with the SEC is&nbsp;available on the SEC&#8217;s website: </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">sec.gov</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">. Refer to </font><i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">ubs.com/investors&nbsp;</font></i><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">
for more information.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&#160;&nbsp;</font></p>








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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-weight:normal;line-height:8.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-weight:normal;line-height:8.5pt;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;font-weight:normal;line-height:8.5pt;">&nbsp;</font></p>

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<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><a name="Cautionary_statement_EN"></a><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:justify;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">&nbsp;</font></b></p>

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<p style="border:none;margin:0cm;margin-bottom:8.0pt;padding:0cm;text-align:justify;"><a name="Cautionary_statement_EN_bclEnd"></a><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Cautionary
Statement Regarding Forward-Looking Statements |</font></b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">
This report contains statements that constitute &#8220;forward-looking statements,&#8221;
including but not limited to management&#8217;s outlook for UBS&#8217;s financial
performance and statements relating to the anticipated effect of transactions
and strategic initiatives on UBS&#8217;s business and future development. While these
forward-looking statements represent UBS&#8217;s judgments and expectations
concerning the matters described, a number of risks, uncertainties and other
important factors could cause actual developments and results to differ
materially from UBS&#8217;s expectations. The outbreak of COVID-19 and the measures
being taken in response to the pandemic have had and may continue to have a
significant adverse effect on global economic activity, and an adverse effect
on the credit profile of some of our clients and other market participants, which
has resulted in and may continue to increase credit loss expense and credit
impairments. </font><font color=windowtext face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">In addition, we
face heightened operational risks due to remote working arrangements, including
risks to supervisory and surveillance controls, as well as increased fraud and
data security risks. </font><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">The unprecedented scale of the
measures to respond to the pandemic creates significantly greater uncertainty
about forward-looking statements in addition to the factors that generally
affect our businesses, which include, but are not limited to: (i) the degree to
which UBS is successful in the ongoing execution of its strategic plans,
including its cost reduction and efficiency initiatives and its ability to
manage its levels of risk-weighted assets (RWA) and leverage ratio denominator
(LRD), liquidity coverage ratio and other financial resources, including
changes in RWA assets and liabilities arising from higher market volatility and
other changes related to the COVID&#8209;19 pandemic; (ii) the degree to which
UBS is successful in implementing changes to its businesses to meet changing
market, regulatory and other conditions; (iii)&nbsp;the continuing low or
negative interest rate environment in Switzerland and other jurisdictions; (iv)
developments (including as a result of the COVID-19 pandemic) in the
macroeconomic climate and in the markets in which UBS operates or to which it
is exposed, including movements in securities prices or liquidity, credit
spreads, and currency exchange rates, and the effects of economic conditions,
market developments, and geopolitical tensions, and changes to national trade
policies on the financial position or creditworthiness of UBS&#8217;s clients and
counterparties as well as on client sentiment and levels of activity; (v)&nbsp;changes
in the availability of capital and funding, including any changes in UBS&#8217;s
credit spreads and ratings, as well as availability and cost of funding to meet
requirements for debt eligible for total loss-absorbing capacity (TLAC); (vi)
changes in or the implementation of financial legislation and regulation in
Switzerland, the US, the UK, the European Union and other financial centers
that have imposed, or resulted in, or may do so in the future, more stringent
or entity-specific capital, TLAC, leverage ratio, net stable funding ratio,
liquidity and funding requirements, heightened operational resilience
requirements, incremental tax requirements, additional levies, limitations on
permitted activities, constraints on remuneration, constraints on transfers of
capital and liquidity and sharing of operational costs across the Group or
other measures, and the effect these will or would have on UBS&#8217;s business
activities; (vii) the degree to which UBS is successful in implementing further
changes to its legal structure to improve its resolvability and meet related
regulatory requirements and the potential need to make further changes to the
legal structure or booking model of UBS Group in response to legal and
regulatory requirements, proposals in Switzerland and other jurisdictions for
mandatory structural reform of banks or systemically important institutions or
to other external developments, and the extent to which such changes will have
the intended effects; (viii) UBS&#8217;s ability to maintain and improve its systems
and controls for the detection and prevention of money laundering and
compliance with sanctions to meet evolving regulatory requirements and
expectations, in particular in the US; (ix) the uncertainty arising from the UK&#8217;s
exit from the EU; (x) changes in UBS&#8217;s competitive position, including whether
differences in regulatory capital and other requirements among the major
financial centers will adversely affect UBS&#8217;s ability to compete in certain
lines of business; (xi) changes in the standards of conduct applicable to our
businesses that may result from new regulations or new enforcement of existing
standards, including measures to impose new and enhanced duties when
interacting with customers and in the execution and handling of customer
transactions; (xii) the liability to which UBS may be exposed, or possible
constraints or sanctions that regulatory authorities might impose on UBS, due
to litigation, contractual claims and regulatory investigations, including the
potential for disqualification from certain businesses, potentially large fines
or monetary penalties, or the loss of licenses or privileges as a result of
regulatory or other governmental sanctions, as well as the effect that
litigation, regulatory and similar matters have on the operational risk component
of our RWA as well as the amount of capital available for return to
shareholders; (xiii) the effects on UBS&#8217;s cross-border banking business of tax
or regulatory developments and of possible changes in UBS&#8217;s policies and
practices relating to this business; (xiv) UBS&#8217;s ability to retain and attract
the employees necessary to generate revenues and to manage, support and control
its businesses, which may be affected by competitive factors; (xv)&nbsp;changes
in accounting or tax standards or policies, and determinations or
interpretations affecting the recognition of gain or loss, the valuation of
goodwill, the recognition of deferred tax assets and other matters; (xvi) UBS&#8217;s
ability to implement new technologies and business methods, including digital
services and technologies, and ability to successfully compete with both
existing and new financial service providers, some of which may not be
regulated to the same extent; (xvii) limitations on the effectiveness of UBS&#8217;s
internal processes for risk management, risk control, measurement and modeling,
and of financial models generally; (xviii) the occurrence of operational
failures, such as fraud, misconduct, unauthorized trading, financial crime,
cyberattacks and systems failures, the risk of which is increased while COVID-19
control measures require large portions of the staff of both UBS and its
service providers to work remotely; (xix) restrictions on the ability of UBS
Group AG to make payments or distributions, including due to restrictions on
the ability of its subsidiaries to make loans or distributions, directly or
indirectly, or, in the case of financial difficulties, due to the exercise by
FINMA or the regulators of UBS&#8217;s operations in other countries of their broad
statutory powers in relation to protective measures, restructuring and
liquidation proceedings; (xx) the degree to which changes in regulation,
capital or legal structure, financial results or other factors may affect UBS&#8217;s
ability to maintain its stated capital return objective; and (xxi) the effect
that these or other factors or unanticipated events may have on our reputation
and the additional consequences that this may have on our business and
performance. The sequence in which the factors above are presented is not
indicative of their likelihood of occurrence or the potential magnitude of
their consequences. Our business and financial performance could be affected by
other factors identified in our past and future filings and reports, including
those filed with the SEC. More detailed information about those factors is set
forth in documents furnished by UBS and filings made by UBS with the SEC,
including UBS&#8217;s Annual Report on Form 20-F for the year ended 31&nbsp;December
2019 and UBS&#8217;s First Quarter 2020 Report on Form 6K. UBS is not under any
obligation to (and expressly disclaims any obligation to) update or alter its
forward-looking statements, whether as a result of new information, future
events, or otherwise.</font></p>

<p style="border:none;margin:0cm;margin-bottom:8.0pt;padding:0cm;text-align:justify;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Rounding |</font></b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;"> Numbers
presented throughout this report may not add up precisely to the totals
provided in the tables and text. Percentages and percent changes are calculated
on the basis of unrounded figures. Information about absolute changes between
reporting periods, which is provided in text and which can be derived from
figures displayed in the tables, is calculated on a rounded basis.</font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;text-align:justify;"><b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;">Tables |</font></b><font color=black face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:7.5pt;line-height:8.5pt;"> Within tables, blank fields
generally indicate that the field is not applicable or not meaningful, or that
information is not available as of the relevant date or for the relevant
period. Zero values generally indicate that the respective figure is zero on an
actual or rounded basis. Percentage changes are presented as a mathematical
calculation of the change between periods.</font></p>



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 <p style="border:none;margin:0cm;margin-bottom:.0001pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;tab-stops:11.3pt;text-align:justify;"><font style="border:none;"><font color=#006600 face="Frutiger 45 Light,sans-serif" lang=EN-US style="font-size:9.0pt;line-height:11.5pt;">&nbsp;</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:0cm;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">This Form
6-K is hereby incorporated by reference into (1) each of the registration
statements of UBS AG on Form F-3 (Registration Number 333-225551), and of UBS
Group AG on Form S-8 (Registration Numbers 333-200634; 333-200635; 333-200641;
333-200665; 333-215254; 333-215255; 333-228653<a name="RG_MARKER_117033_bclEnd"></a><a name="RG_MARKER_117110_bclEnd"></a></font><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">; 333-230312; and 333-249143</font><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">), and into each
prospectus outstanding under any of the foregoing registration statements, (2)
any outstanding offering circular or similar document issued or authorized by
UBS AG that incorporates by reference any Form 6-K&#8217;s of UBS AG that are
incorporated into its registration statements filed with the SEC, and (3) the
base prospectus of Corporate Asset Backed Corporation (&#8220;CABCO&#8221;) dated June 23,
2004 (Registration Number 333-111572), the Form 8-K of CABCO filed and dated
June 23, 2004 (SEC File Number 001-13444), and the Prospectus Supplements
relating to the CABCO Series 2004-101 Trust dated May 10, 2004 and May 17, 2004
(Registration Number 033-91744 and 033-91744-05).</font></p>





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<p style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;layout-grid-mode:line;">SIGNATURES</font></b></p>

<p align=center style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font color=red face=Helvetica,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></b></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:36.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Pursuant to the requirements
of the Securities Exchange Act of 1934, the registrants have duly caused this
report to be signed on their behalf by the undersigned, thereunto duly
authorized.</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">UBS Group AG</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">_/s/&#160;&#160; Ralph A.J.G. Hamers</font></u><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">__________&nbsp;</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">Name:&#160; Ralph A.J.G. Hamers</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Title:&#160;&#160;&#160; Group Chief
Executive Officer </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">_/s/ Kirt Gardner__________________</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Name:&#160; Kirt Gardner</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Title:&#160;&#160;&#160; Group Chief
Financial Officer</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">_/s/ Todd Tuckner_________________</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160; Name: Todd Tuckner</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160; Title: Group Controller and</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Accounting Officer</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">UBS AG</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-GB style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">_/s/&#160;&#160; Ralph A.J.G. Hamers__________</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Name:&#160; Ralph A.J.G. Hamers</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Title:&#160;&#160;&#160; President of the
Executive Board</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">_/s/ Kirt Gardner__________________</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Name:&#160; Kirt Gardner</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Title:&#160;&#160;&#160; Chief Financial
Officer</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">By: </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">_/s/ Todd Tuckner_________________</font></u></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160; Name: Todd Tuckner</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160; Title: Group Controller and </font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:216.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Accounting Officer</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-indent:234.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">Date:&#160; January 26, 2021</font></p>

<p style="margin:0cm;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:center;text-indent:36.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;layout-grid-mode:line;">&nbsp;</font></p>




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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
