UBL Growth and Market Leadership
Balance Sheet Review - Building efficiencies in deposit base with well diversified investment book
Rs in bln
Domestic Deposits Performance - Led by Branch Banking Group
Balance Sheet
Var %
Dec 22 Dec'21
Average deposits at Rs 1.6 tln, up 9% YoY
Advances
922
646
43%
Investments
1,415
1,497
FI Lendings
85
52
Others
336
424
-5%
65%
-21%
Average current accounts up 13% YoY, savings up 2% YoY
Total Assets
2,759
2,618
5%
Deposits
1,838
1,751
5%
Borrowings
565
563
0%
Subordinated Debts
10
10
0%
Others
137
89
53%
Total Liabilities
2,550
2,414
6%
Net Assets
209
205
2%
Share Capital
12
12
0%
Reserves
86
70
24%
Unappropriated Profit
91
85
8%
Surplus on reval. of Assets
19
38
-50%
Period End current to total deposits ratio is 49% (FY'21: 47%)
Period End domestic CASA ratio levels at 89% (FY'21: 88%)
Cost of deposit contained at 6.4% (3.6% FY'21) - despite rate hike
Buildup in Corporate Bank Lending with strong asset quality
Domestic performing advances at Rs. 759 bln (Dec'21: Rs 517 bln)
Average performing domestic advances at Rs. 525 bln (18% up)
International portfolio maintained at USD 715 mln
Investments portfolio position and mix as at Dec 31, 2022
Timely repositioning within investments strengthens NII
Well diversified portfolio of fixed and floating rate investments
BS well positioned for further repricing across asset base
Total Equity including Surplus
209
205
2%View entire presentation