Union Bank of Switzerland (UBS; Schweizerische Bankgesellschaft, Union de Banques Suisses, Unione di Banche Svizzere) was created in 1912 by the merger of two regional banks: Toggenburger Bank, founded in 1863, and Bank in Winterthur (1862). * UBS is the leading global wealth manager, a top tier investment banking and securities firm, and one of the largest global asset managers. * In Switzerland, UBS is the market leader in retail and commercial banking. * With headquar…