UBL Growth and Market Leadership

UBL poised for growth - Capital Base strengthens with more efficient allocation Capital Adequacy Ratio Risk Weighted Assets 232 bps 167 201 Dec'21: Dec'22: 21.5% 76 19.2% Rs 865 bln 81 622 Rs 1,001 719 bln 5.3% 4.8% 1.1% 1.0% ■ Credit ■ Market ■Operational 15.1% 13.5% Dec'21 Dec'22 Total CAR ■ СЕТ 1 ADT-1 Tier II ■ Credit ■ Market Operational ■ UBL seeks to maintain a strong capital base to build resilience and maintain adequate buffers over regulatory requirements CAR at 19.2% with buffer of 7.2% over the minimum regulatory requirement of 12.0%

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