Investor Presentaiton

Advances portfolio down 12% from Dec'18 Bank's advances yield up to 10.2% 9M'19 (9M'18: 6.5%) - repricing in line with benchmark rate Rs in bln Description Var % Sep'19 Dec'18 Corporate Bank 356 404 -12% Commodity 66 68 -3% Small Enterprises 11 12 -15% Consumer 17 16 9% Others 32 44 -28% Total Domestic International Bank 482 545 -12% 146 171 -15% 627 716 -12% International USD mln 1,000 1,232 -19% Dec'18 404 Sep'19 356 68 12 16 171 44 66 11 17 146 32 Corporate Bank Commodity Small Enterprises Consumer Bank International Others UBL Performance Overview - 9M 2019 17

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