Investor Presentaiton

Balance Sheet Rs in min 2018 2017 2016 2015 2014 2013 2012 Assets Cash and balances with treasury and other banks 206,813 177,099 146,428 128,870 87,573 114,388 109,396 Lending to financial institutions 33,942 10,868 25,711 24,095 21,872 28,835 21,953 Investments-gross 792,857 1,095,555 808,959 721,651 499,060 425,253 351,002 Advances gross 776,272 670,056 559,093 497,032 479,998 436,749 409,090 Operating fixed assets 47,556 46,205 35,582 31,630 30,303 24,608 24,431 Other assets 98,977 79,617 67,812 41,124 40,067 27,317 26,800 Total assets- gross 1,956,417 2,079,400 1,643,585 1,444,402 1,158,874 1,057,150 942,673 Provisions against non-performing advances (60,336) (42,697) (40,525) (41,618) (45,734) (45,936) (44,727) Provisions against diminution in value of investment (6,482) (3,769) (2,428) (2,133) (1,726) (1,476) (1,412) Total assets - net of provision 1,889,599 2,032,934 1,600,632 1,400,651 1,111,414 1,009,739 896,535 Liabilities & Equity Deposits & other Accounts 1,366,060 1,272,788 1,167,124 1,051,235 895,083 827,848 698,430 Borrowing from financial institutions 268,124 512,650 201,550 163,132 53,065 40,574 68,720 Sub-ordinated loans 9,000 665 9,319 Bills payable 27,249 29,848 24,520 13,392 9,554 16,591 7,601 Other liabilities 67,896 58,341 55,651 30,757 28,196 23,147 20,226 Total Liabilities Net Assets/Liabilities Share capital Reserves 1,738,329 1,873,627 1,448,845 1,258,516 985,898 908,825 804,296 151,270 159,307 151,787 142,135 125,516 100,914 92,238 12,242 12,242 12,242 12,242 12,242 12,242 12,242 54,439 43,847 40,455 38,402 34,130 33,681 29,044 Unappropriated profit/(loss) 68,002 70,912 64,246 55,223 48,217 42,635 37,416 Equity - Tier I 134,683 127,001 116,943 105,867 94,589 88,558 78,702 Surplus on revaluation of assets 16,587 32,306 34,844 36,268 30,927 12,356 13,537 Equity 151,270 159,307 151,787 142,135 125,516 100,914 92,238 Total liabilities & equity 1,889,599 2,032,934 1,600,632 1,400,651 1,111,414 1,009,739 896,535 UBL Performance Overview - 9M 2019 31

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