Oswald Gruebel, CEO of Swiss Bank UBS smiles as he addresses a news conference to present the results for 2010 in Zurich February 8, 2011. Switzerland's biggest bank said it had seen improvement across all its businesses in the fourth quarter -- with total net new money of 7.1 billion Swiss francs -- although inflows were flat at its core wealth management unit after 1 billion in the third quarter and big withdrawals in the first half. REUTERS/Arnd Wiegmann (SWITZERLAND - Tags: BUSINESS HEADSHOT)