Investor Presentaiton

UBL Innovation and Awards - continues to be acknowledged by the market UBL "Firsts" - Initiatives to stay ahead of the market First Commercial Bank in Pakistan to launch Branchless Banking (UBL OMNI) First Bank to launch QR code based payments in Pakistan First Pakistani Bank to launch digital customer onboarding First Bank to provide Instantaneous ATM/Debit cards to branchless banking customers at the time of account opening (UBL Omni) First Bank in Pakistan where customer's inward remittances are deposited automatically on an ATM and VISA enabled debit card (UBL Tezraftaar Pardes Card) First Bank in Pakistan to offer Prepaid VISA Debit Card First Bank in Pakistan to offer Verified by Visa Service First Bank in the world to issue VISA Debit Cards for G2P assistance to flood affectees First Pakistani Bank to be granted status of Authorized Derivative Dealer (ADD) in Pakistan First institution from Pakistan and third in South Asia to be accredited with Primary Membership of International Swaps and Derivatives Association Market recognition and awards Declared 'Bank of the Year 2018 - Pakistan' by The Banker, an affiliate of the Financial Times UK. "Best Bank" in the first ever Pakistan Banking Awards 2016 "Best Bank for Corporate Finance and Capital Market Development" in the Pakistan Banking Awards 2017 VIS reaffirmed UBL's entity ratings at AAA/A-1+ (Triple A / A-One Plus) "Innovation Award" at the Mastercard Innovation Forum for 'Launch of UBL MasterPass QR' "National Medal of Innovation Award" 2016 for Pioneering G2P Payments Pakistan Innovation Foundation - ■Top 25 Companies Award by the Karachi Stock Exchange for 2010-2012, 2015 and 2016 "Best Bank for SMEs" by the Asia Money Pakistan Banking Awards in 2017 2012 & 2013 Bank of the Year in Pakistan Award by The Banker Magazine, an affiliate of the Financial Times, UK ■ Recognized globally in 2013 as one of the 14 "Sprinters" by the GSMA's Mobile Money for the Unbanked (MMU) program, being the only bank in the category UBL Omni Pakistan Banking Awards UBL Performance Overview - 9M 2019 INNOVATION FORUM EUROMONEY ..... The Banker KSE Karachi Stuck Exchange Limited CFA Society Pakistan Pakistan Innovation Foundation 6

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