UBL Growth and Market Leadership

Digital Banking Group - Focus on growing digital payment services across wider target market Digital App Registrations for the year 2022 # in 000 Digital Payments over Rs 2.6 tln in 2022, up 53% YoY 2,6 2,713 No. of transactions in Millions Amount Rs. in Trillions 2,531 1.7 56 2,035 2,168 Mar-22 Jun-22 Sep-22 Dec-22 Transaction Shift 2022 | 63% Transactions on Digital App + ATMs 38 Dec'21 Dec'22 No. of Transactions Amount Active Customers (90 days) up +19% YoY 33% 32% 32% 32% 30% Active customers in '000' 25% 26% 29% 30% 33% 42% 42% 39% 39% 37% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Branch Counter Digital App/Net Banking ATM 906 1,079 Dec'21 Dec'22

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