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**"U.S. Bank's Steady Rise: Navigating Growth Amidst Competitive Waters in 2025

Earnings AnalystWednesday, Apr 16, 2025 9:14 pm ET
1min read

Performance of the Quarterly Report

The total operating revenue of UBS Preferred Depository increased by 2.14% YoY to USD6.928bn as of March 31, 2025, from USD6.685bn in 2024. This growth reflects UBS's stable performance in the market and its ability to grow revenue, demonstrating its relatively robust growth in the competitive banking industry.

Key Data in the Quarterly Report

1. UBS's operating revenue in 2025 grew by 2.14% YoY, driven by increased market demand and higher net interest income.

2. Net interest income increased from USD3.985bn to USD4.092bn, indicating a positive impact on revenue from rising interest rates or increased loan demand.

3. The Company enhanced its overall profitability through effective cost control and management measures, supporting revenue growth.

4. UBS may have launched new financial products or services, further attracting customers and boosting operating revenue.

Peer Comparison

1. Industry-wide analysis: In 2025, the overall banking industry experienced a recovery from the pandemic, with a general increase in operating revenue, ranging from 1% to 3%. UBS's 2.14% growth rate is at the industry average, showing its competitiveness.

2. Peer evaluation analysis: Compared to peers, UBS performed well in revenue growth, especially in net interest income growth, demonstrating its adaptability and market competitiveness in the changing interest rate environment. Some peers faced a lack of revenue growth due to poor asset-liability management.

Summary

UBS showed a robust revenue growth in 2025, mainly driven by increased market demand and higher interest income. The Company strengthened its market competitiveness through effective cost control and product diversification strategies. In the context of economic recovery, UBS's growth momentum is strong.

Opportunities

1. With the recovery of the economy, consumer and business financial needs will continue to increase, potentially bringing more loan and deposit opportunities.

2. UBS's new financial products will attract more customers and increase revenue sources.

3. Adjustments in the overall interest rate policy of the banking industry may be beneficial to UBS's net interest income growth.

Risks

1. Fluctuations in future interest rates will affect net interest income, and a narrowing of the interest margin may put pressure on operating revenue.

2. Intensified competition, especially the launch of new products by peer banks, may challenge UBS's customer appeal.

3. The sustainability of economic recovery remains uncertain, which may affect customers' loan demand and deposit willingness.


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