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and Yan Henrique Horsa joins us out of Zurich lets start off with UBS why the shift what does it mean well I mean first of all what we are understanding here said UBS is cutting or making cuts to its asset management business we are hearing about hundred layoffs and those you know been happening over the last months its mainly in areas such as distribution sales and you know this is basically a move to keep costs in check at the asset management unit its the smallest of UBSs operating divisions but it had recently the highest cost to income ratio theyve made a lot of self-funded investments into that unit and I guess you know this is now a further move you know they probably had a second look at it and you know came to the conclusion costs are too high so we have to do something about it you know I dont know if these moves you know if this is something also thats Im going to happen going forward if they make more cuts into the business but this is what we understand as of now
