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Financial assets at amortized cost and other positions in scope of expected credit loss measurement (Tables) - UBS AG
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Entity [Table]    
Disclosure Of Credit Risk Exposure Explanatory
USD million
31.12.21
Carrying amount
1
ECL allowances
Financial instruments measured at amortized
 
cost
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Cash and balances at central banks
192,817
192,817
0
0
0
0
0
0
Loans and advances to banks
15,360
15,333
26
1
(8)
(7)
(1)
0
Receivables from securities financing transactions
75,012
75,012
0
0
(2)
(2)
0
0
Cash collateral receivables on derivative instruments
30,514
30,514
0
0
0
0
0
0
Loans and advances to customers
398,693
381,496
15,620
1,577
(850)
(126)
(152)
(572)
of which: Private clients with mortgages
152,479
143,505
8,262
711
(132)
(28)
(71)
(33)
of which: Real estate financing
43,945
40,463
3,472
9
(60)
(19)
(40)
0
of which: Large corporate clients
13,990
12,643
1,037
310
(170)
(22)
(16)
(133)
of which: SME clients
14,004
12,076
1,492
436
(259)
(19)
(15)
(225)
of which: Lombard
149,283
149,255
0
27
(33)
(6)
0
(28)
of which: Credit cards
1,716
1,345
342
29
(36)
(10)
(9)
(17)
of which: Commodity trade finance
3,813
3,799
7
7
(114)
(6)
0
(108)
Other financial assets measured at amortized cost
26,236
25,746
302
189
(109)
(27)
(7)
(76)
of which: Loans to financial advisors
2,453
2,184
106
163
(86)
(19)
(3)
(63)
Total financial assets measured at amortized cost
738,632
720,917
15,948
1,767
(969)
(161)
(160)
(647)
Financial assets measured at fair value through other comprehensive income
8,844
8,844
0
0
0
0
0
0
Total on-balance sheet financial assets in scope of ECL requirements
747,477
729,762
15,948
1,767
(969)
(161)
(160)
(647)
Total exposure
ECL provisions
Off-balance sheet (in scope of ECL)
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Guarantees
20,972
19,695
1,127
150
(41)
(18)
(8)
(15)
of which: Large corporate clients
3,464
2,567
793
104
(6)
(3)
(3)
0
of which: SME clients
1,353
1,143
164
46
(8)
(1)
(1)
(7)
of which: Financial intermediaries and hedge funds
 
9,575
9,491
84
0
(17)
(13)
(4)
0
of which: Lombard
2,454
2,454
0
0
(1)
0
0
(1)
of which: Commodity trade finance
3,137
3,137
0
0
(1)
(1)
0
0
Irrevocable loan commitments
39,478
37,097
2,335
46
(114)
(72)
(42)
0
of which: Large corporate clients
23,922
21,811
2,102
9
(100)
(66)
(34)
0
Forward starting reverse repurchase and securities borrowing agreements
1,444
1,444
0
0
0
0
0
0
Committed unconditionally revocable credit lines
42,373
39,802
2,508
63
(38)
(28)
(10)
0
of which: Real estate financing
7,328
7,046
281
0
(5)
(4)
(1)
0
of which: Large corporate clients
5,358
4,599
736
23
(7)
(4)
(3)
0
of which: SME clients
5,160
4,736
389
35
(15)
(11)
(3)
0
of which: Lombard
8,670
8,670
0
0
0
0
0
0
of which: Credit cards
9,466
9,000
462
4
(6)
(5)
(2)
0
of which: Commodity trade finance
117
117
0
0
0
0
0
0
Irrevocable committed prolongation of existing loans
5,611
5,527
36
48
(3)
(3)
0
0
Total off-balance sheet financial instruments and credit lines
109,878
103,565
6,006
307
(196)
(121)
(60)
(15)
Total allowances and provisions
(1,165)
(282)
(220)
(662)
1 The carrying amount of financial assets measured at amortized cost represents the total gross exposure net of the respective
 
ECL allowances.
USD million
31.12.20
Carrying amount
1
ECL allowances
Financial instruments measured at amortized
 
cost
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Cash and balances at central banks
158,231
158,231
0
0
0
0
0
0
Loans and advances to banks
15,344
15,160
184
0
(16)
(9)
(5)
(1)
Receivables from securities financing transactions
74,210
74,210
0
0
(2)
(2)
0
0
Cash collateral receivables on derivative instruments
32,737
32,737
0
0
0
0
0
0
Loans and advances to customers
380,977
358,396
20,341
2,240
(1,060)
(142)
(215)
(703)
of which: Private clients with mortgages
148,175
138,769
8,448
959
(166)
(35)
(93)
(39)
of which: Real estate financing
43,429
37,568
5,838
23
(63)
(15)
(44)
(4)
of which: Large corporate clients
15,161
12,658
2,029
474
(279)
(27)
(40)
(212)
of which: SME clients
14,872
11,990
2,254
628
(310)
(19)
(23)
(268)
of which: Lombard
133,850
133,795
0
55
(36)
(5)
0
(31)
of which: Credit cards
1,558
1,198
330
30
(38)
(11)
(11)
(16)
of which: Commodity trade finance
3,269
3,214
43
12
(106)
(5)
0
(101)
Other financial assets measured at amortized cost
27,219
26,401
348
469
(133)
(34)
(9)
(90)
of which: Loans to financial advisors
2,569
1,982
137
450
(108)
(27)
(5)
(76)
Total financial assets measured at amortized cost
688,717
665,135
20,873
2,709
(1,211)
(187)
(229)
(795)
Financial assets measured at fair value through other comprehensive income
8,258
8,258
0
0
0
0
0
0
Total on-balance sheet financial assets in scope of ECL requirements
696,976
673,394
20,873
2,709
(1,211)
(187)
(229)
(795)
Total exposure
ECL provisions
Off-balance sheet (in scope of ECL)
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Guarantees
17,081
14,687
2,225
170
(63)
(14)
(15)
(34)
of which: Large corporate clients
3,710
2,048
1,549
113
(20)
(4)
(5)
(12)
of which: SME clients
1,310
936
326
48
(13)
(1)
(1)
(11)
of which: Financial intermediaries and hedge funds
 
7,637
7,413
224
0
(17)
(7)
(9)
0
of which: Lombard
641
633
0
8
(2)
0
0
(2)
of which: Commodity trade finance
1,441
1,416
25
0
(2)
(1)
0
0
Irrevocable loan commitments
41,372
36,894
4,374
104
(142)
(74)
(68)
0
of which: Large corporate clients
24,209
20,195
3,950
64
(121)
(63)
(58)
0
Forward starting reverse repurchase and securities borrowing agreements
3,247
3,247
0
0
0
0
0
0
Committed unconditionally revocable credit lines
42,077
37,176
4,792
108
(50)
(29)
(21)
0
of which: Real estate financing
6,328
5,811
517
0
(12)
(5)
(7)
0
of which: Large corporate clients
4,909
2,783
2,099
27
(9)
(2)
(7)
0
of which: SME clients
5,827
4,596
1,169
63
(16)
(12)
(4)
0
of which: Lombard
9,671
9,671
0
0
0
(1)
0
0
of which: Credit cards
8,661
8,220
430
11
(8)
(6)
(2)
0
of which: Commodity trade finance
242
242
0
0
0
0
0
0
Irrevocable committed prolongation of existing loans
3,282
3,277
5
0
(2)
(2)
0
0
Total off-balance sheet financial instruments and credit lines
107,059
95,281
11,396
382
(257)
(119)
(104)
(34)
Total allowances and provisions
(1,468)
(306)
(333)
(829)
1 The carrying amount of financial assets measured at amortized cost represents the total gross exposure net of the
 
respective ECL allowances.
Disclosure Of Coverage Ratios Explanatory
Coverage ratios for core loan portfolio
31.12.21
Gross carrying amount (USD million)
ECL coverage (bps)
On-balance sheet
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Private clients with mortgages
152,610
143,533
8,333
744
9
2
85
446
Real estate financing
44,004
40,483
3,512
10
14
5
114
231
Large corporate clients
14,161
12,665
1,053
443
120
18
148
2,997
SME clients
14,263
12,095
1,507
661
182
16
103
3,402
Lombard
149,316
149,261
0
55
2
0
0
5,026
Credit cards
1,752
1,355
351
46
204
72
255
3,735
Commodity trade finance
3,927
3,805
7
115
290
15
3
9,388
Other loans and advances to customers
19,510
18,425
1,010
75
23
9
15
3,730
Loans to financial advisors
2,539
2,203
109
226
338
88
303
2,791
Total
1
402,081
383,825
15,882
2,374
23
4
98
2,673
Gross exposure (USD million)
ECL coverage (bps)
Off-balance sheet
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Private clients with mortgages
9,123
8,798
276
49
3
3
9
15
Real estate financing
8,766
8,481
285
0
9
7
88
0
Large corporate clients
32,748
28,981
3,630
136
34
25
110
1
SME clients
8,077
7,276
688
114
38
19
151
585
Lombard
14,438
14,438
0
0
1
0
0
0
Credit cards
9,466
9,000
462
4
7
5
34
0
Commodity trade finance
3,262
3,262
0
0
4
4
0
0
Financial intermediaries and hedge funds
13,747
13,379
369
0
13
10
120
0
 
Other off-balance sheet commitments
8,806
8,507
296
4
15
6
30
0
Total
2
108,434
102,121
6,006
307
18
12
100
486
1 Includes Loans and
 
advances to customers
 
of USD
399,543
 
million and Loans
 
to financial advisors
 
of USD
2,539
 
million which are presented
 
on the balance
 
sheet line Other assets
 
measured at amortized
 
cost.
 
2 Excludes Forward starting reverse repurchase and securities borrowing agreements.
Coverage ratios for core loan portfolio
31.12.20
Gross carrying amount (USD million)
ECL coverage (bps)
On-balance sheet
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Private clients with mortgages
148,341
138,803
8,540
998
11
2
108
390
Real estate financing
43,492
37,583
5,883
27
15
4
75
1,414
Large corporate clients
15,440
12,684
2,069
686
181
21
192
3,089
SME clients
15,183
12,010
2,277
896
204
16
101
2,991
Lombard
133,886
133,800
0
86
3
0
0
3,592
Credit cards
1,596
1,209
342
46
240
91
333
3,488
Commodity trade finance
3,375
3,219
43
113
315
16
2
8,939
Other loans and advances to customers
20,722
19,229
1,402
91
29
13
25
3,563
Loans to financial advisors
2,677
2,009
142
526
404
135
351
1,446
Total
1
384,714
360,547
20,697
3,470
30
5
106
2,247
Gross exposure (USD million)
ECL coverage (bps)
Off-balance sheet
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Private clients with mortgages
6,285
6,083
198
3
7
6
16
197
Real estate financing
7,056
6,576
481
0
21
9
185
0
Large corporate clients
32,828
25,026
7,598
205
46
27
92
565
SME clients
9,121
7,239
1,734
148
40
19
63
779
Lombard
14,178
14,170
0
8
2
1
0
1,941
Credit cards
8,661
8,220
430
11
9
8
44
0
Commodity trade finance
1,683
1,658
25
0
10
8
15
8,279
Financial intermediaries and hedge funds
7,690
7,270
448
0
26
13
248
166
 
Other off-balance sheet commitments
16,309
15,792
482
8
12
6
11
12,414
Total
2
103,812
92,034
11,396
382
25
13
91
894
1 Includes Loans and
 
advances to customers
 
of USD
382,036
 
million and Loans
 
to financial advisors
 
of USD
2,677
 
million which are presented
 
on the balance
 
sheet line Other assets
 
measured at amortized
 
cost.
 
2 Excludes Forward starting reverse repurchase and securities borrowing agreements.