in finance home work due 3 pm monday 26

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ubs_investment_bank_fin331-1.xlsx
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Income Statement

UBS Investment Bank Income Statement(millions) 2011 2010 2009 2008 2007 2006
Period End Date 12/31/11 12/31/10 12/31/09 12/31/08 12/31/07 12/31/06
Interest Income, Bank 17,970 18,873 23,461 65,680 109,112 87,401
Total Interest Expense 11,143 12,658 17,016 59,687 103,775 80,880
Non-interest Income, Bank 21,046 25,845 17,987 (2,199) 26,622 41,488
Total Revenue 27,873 32,060 24,432 3,794 31,959 48,009
Loan Loss Provision 84 66 1,832 2,996 238 466
Non-interest Expense,Bank 22,438 24,540 25,162 28,555 35,463 33,498
Income Before Tax 5,351 7,454 (2,562) (27,757) (3,742) 14,045
Income Tax-Total 923 (381) (443) (6,837) 1,369 2,786
Income After Tax 4,428 7,835 (2,119) (20,920) (5,111) 11,259
Minority Interest (268) (303) (600) (520) (539) (320)
Equity in Affiliates - 0 - 0 - 0 - 0 - 0 - 0
U.S. GAAP Adjustment - 0 - 0 - 0 - 0 - 0 - 0
Net Income Before Extra.Items 4,160 7,532 (2,719) (21,440) (5,650) 10,939
Total Extraordinary Items - 0 1 (17) 150 403 796
Net Income 4,160 7,533 (2,736) (21,290) (5,247) 11,735

Balance Sheet

UBS Investment Bank Balance Sheet(Millions) 2011 2010 2009 2008 2007 2006
Period End Date 12/31/11 12/31/10 12/31/09 12/31/08 12/31/07 12/31/06
Assets
Cash&Due From Banks 163,941 144,597 154,984 220,092 286,763 70,681
Other Earning Assets, Total 458,536 454,877 440,927 554,832 1,168,031 1,618,723
Net Loans 266,604 262,877 266,477 340,308 335,864 312,521
Property/Plant/Equipment, Total-Net 5,688 5,467 6,212 6,706 7,234 6,913
Goodwill and other Intangibles, Net 9,695 9,822 11,008 12,935 14,538 14,773
Long Term Investments 795 790 870 892 1,979 1,523
Other Long Term Assets, Total 12,009 12,998 8,868 8,880 3,220 3,934
Other Assets, Total 501,893 425,817 451,192 870,172 457,262 317,542
Total Assets 1,419,161 1,317,245 1,340,538 2,014,817 2,274,891 2,346,610
Liabilities and Shareholders' Equity
Accounts Payable 342,409 332,301 339,263 465,741 641,892 555,977
Payable/Accrued - 0 - 0 - 0 - 0 - 0 - 0
Accrued Expenses 6,850 7,738 8,689 10,196 22,150 21,527
Total Deposits - 0 - 0 - 0 - 0 - 0 - 0
Other Bearing Liabilities, Total - 0 - 0 - 0 - 0 - 0 - 0
Total Short Term Borrowings 102,429 74,796 64,175 102,561 305,887 204,773
Policy Liabilities - 0 - 0 - 0 - 0 - 0 - 0
Notes Payable/Short Term Debt - 0 - 0 - 0 - 0 - 0 - 0
Current Port. Of LT Debt/Capital Leases - 0 - 0 - 0 - 0 - 0 - 0
Other Current Liabilities, Total 584 847 - 0 2,662 4,429 97,429
Total Long Term Debt 170,818 171,761 163,274 322,882 367,839 190,141
Deferred Income Tax - 0 - 0 - 0 - 0 - 0 - 0
Other Liabilities, Total 742,626 682,983 724,121 1,078,242 895,819 1,227,382
Total Liabilities 1,365,716 1,270,426 1,299,522 1,982,284 2,238,016 2,297,229
Redeemable Preferred Stock - 0 - 0 - 0 - 0 - 0 - 0
Preferred Stock-Non Redeemable, Net - 0 - 0 - 0 - 0 - 0 - 0
Common Stock 34,997 34,776 35,180 25,543 12,640 12,851
Retained Earnings(Accumulated Deficit) 23,603 19,444 11,910 14,525 35,833 49,151
Treasury Stock-Common (1,160) (654) (1,040) (3,156) (10,363) (9,542)
ESOP Debt Guarantee - 0 - 0 - 0 - 0 - 0 - 0
Unrealized Gain(Loss) - 0 - 0 - 0 - 0 - 0 - 0
Other Equity, Total (3,994) (6,747) (5,036) (4,381) (1,235) (3,079)
Total Equity 53,446 46,819 41,014 32,531 36,875 49,381
Total Liabilities&Shareholders' Equity 1,419,162 1,317,245 1,340,536 2,014,815 2,274,891 2,346,610

Financial Ratios

2011 2010 2009 2008 2007 2006
ROA 0.003 0.006 -0.002 -0.011 -0.002 0.005
ROE 0.078 0.161 -0.067 -0.654 -0.142 0.238
Debt to Equity 25.553 27.135 31.685 60.935 60.692 46.521
Equity Multiplier 26.553 28.135 32.685 61.935 61.692 47.521
Time Interest Earned 1.480 1.589 0.849 0.535 0.964 1.174
ROA=Net Income/Total Assets
ROE=Net Income/Total Equity
Debt to Equity=Total Debt/Total Equity
Equity Multiplier=Total Assets/Total Equity
Time Interest Earned=EBIT/Interest

Chart

ROA 2011 2010 2009 2008 2007 2006 2.9313094145061763E-3 5.7187539144198688E-3 -2.0409716099058736E-3 -1.0566716480950875E-2 -2.3064841348442631E-3 5.0008309859755134E-3 ROE 2011 2010 2009 2008 2007 2006 7.7835572353403437E-2 0.16089621734765799 -6.6708928658506847E-2 -0.65445267590913281 -0.1422915254237288 0.23764200805978009 Debt to Equity 2011 2010 2009 2008 2007 2006 25.553193877932866 27.134838420299452 31.684839323157945 60.935231010420829 60.691959322033895 46.52050383750835 Equity Multiplier 2011 2010 2009 2008 2007 2006 26.553175167458743 28.134838420299452 32.684888086994683 61.93529249024008 61.691959322033 895 47.52050383750835 Time Interest Earned 2011 2010 2009 2008 2007 2006 1.4802117921565108 1.5888765997787959 0.84943582510578275 0.5349573608993583 0.96394121898337748 1.1736523244312562

ROA Chart

ROA 2011 2010 2009 2008 2007 2006 2.9313094145061763E-3 5.7187539144198688E-3 -2.0409716099058736E-3 -1.0566716480950875E-2 -2.3064841348442631E-3 5.0008309859755134E-3

ROE Chart

ROE 2011 2010 2009 2008 2007 2006 7.7835572353403437E-2 0.16089621734765799 -6.6708928658506847E-2 -0.65445267590913281 -0.1422915254237288 0.23764200805978009

Debt to Equity Chart

Debt to Equity 2011 2010 2009 2008 2007 2006 25.553193877932866 27.134838420299452 31.684839323157945 60.935231010420829 60.691959322033895 46.52050383750835

Equity Multiplier Chart

Equity Multiplier 2011 2010 2009 2008 2007 2006 26.553175167458743 28.134838420299452 32.684888086994683 61.93529249024008 61.691959322033895 47.52050383750835

Time Interest Earned

Time Interest Earned 2011 2010 2009 2008 2007 2006 1.4802117921565108 1.5888765997787959 0.84943582510578275 0.5349573608993583 0.96394121898337748 1.1736523244312562

Industry ROA and ROE

ROA of Foreign Money Center Banks (Industry) 2011 2010 2009 2008 2007 2006
HBC 0.007 0.006 0.003 0.003 0.009 0.009
WBK 0.011 0.010 0.006 0.009 0.009 0.010
SAN 0.005 0.007 0.008 0.009 0.010 0.008
ITUB 0.018 0.017 0.013 0.021 0.021 0.035
UBS 0.003 0.006 -0.002 -0.011 -0.002 0.005
LYG -0.0004 -0.0003 0.0029 0.0019 0.0094 0.0085
BCS 0.003 0.003 0.007 0.003 0.004 0.005
ROE of Foreign Money Center Banks (Industry)
HBC 0.108 0.092 0.049 0.065 0.151 0.147
WBK 0.161 0.160 0.096 0.199 0.197 0.194
SAN 0.074 0.113 0.127 0.156 0.154 0.146
ITUB 0.194 0.184 0.179 0.293 0.183 0.337
UBS 0.078 0.161 -0.067 -0.654 -0.142 0.238
LYG -0.008 -0.006 0.067 0.087 0.267 0.253
BCS 0.061 0.073 0.176 0.112 0.157 0.190
Industry Average
2011 2010 2009 2008 2007 2006
Average ROA 0.006 0.007 0.006 0.005 0.009 0.012
Average ROE 0.095 0.111 0.090 0.037 0.138 0.215

Industry Average ROA

Average ROA 2011 2010 2009 2008 2007 2006 6.4961857386293623E-3 7.0880480527965384E-3 5.5148710758036847E-3 5.0065386200884784E-3 8.5508948048946872E-3 1.1587434725753507E-2

Industry Average ROE

Average ROE 2011 2010 2009 2008 2007 2006 9.5424373210252433E-2 0.11095590417320404 8.9584759786053111E-2 3.6658534761608554E-2 0.13815689136047257 0.21490579239688032