Banking Divisions & Finance Overview

Understanding the Business Operations

• Personal & Corporate (P&C): Standard commercial banking like giving out loans and mortgages to regular people and standard businesses.
• Asset Management (AM): Investing money for clients using ETFs (bundles of different stocks) and Hedge Funds (exclusive, high-reward investment pools).
• Wealth Management (WM): Managing assets for very wealthy individuals, typically for around a 1% fee structure.
• Investment Banking (IB) & Global Markets:
  • Sophisticated P&C services for massive, multinational companies.
  • Mergers & Acquisitions (M&A): Helping companies when they want to combine or buy another company.
  • Derivatives & Forex: Trading contracts agreed with clients to generate fees. This requires hedging against market risks and handling Foreign Exchange (FX) currency rates.

Early Careers, HR & Graduate Life

Pathways to a Career at UBS

• Opportunities: Insight Programmes, Summer Internships, and Sandwich year placements.
• CV & Application Advice:
  • Don't just list what you did; highlight the impact of your work.
  • Include trending keywords like 'AI' alongside your clubs and volunteering.
• Interview Success Factors:
  • Show curiosity (always ask questions) and a strong willingness to learn.
  • Demonstrate reliability and commercial awareness. Admit when you don't know something instead of lying.
• General Career Advice:
  • Say 'yes' to new opportunities and actively build your network.
  • Never compare your journey to someone else's.
  • 'Be confident' but always have real examples to back up your claims.
• Future Employability: To thrive alongside AI, maintain a wide range of transferable skills, deep concentration, and high adaptability.