Investor Presentaiton

Areas where we have done well in 2019 ☐ Strong Build up maintained - avg. domestic current deposits at Rs. 476 bln, up 10% vs. 9M'18, incremental vol. of Rs. 41 bln ☐ Domestic cost of deposits at 5.2% (9M'18 : 2.8%) - despite rate hike of 475 bps since Sep'18 Average CASA for the period was 86.8% (9M'18: 86.6%) Current to total deposits ratio at 45.1% (Dec' 18: 45.9%) 377,000 NTB current accounts mobilized in the nine months of the year Overall customer base at 5.5 million (Dec'18: 5.4 mln) - Home Remittances revenues up 24% YoY to reach Rs. 1.3 bln Market share at 28% in 9M'19 (9M'18: 29%) Banca Volumes growth of 16% YoY, premiums at Rs 2.8 bln, fee income over Rs 1.0 bln Avg Consumer portfolio at Rs 17 bln, growth of 27% YoY - aggressive acquisitions within autos UBL Performance Overview - 9M 2019 11

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