Investor Presentaiton

Key Economic Trends - 9M'19 Deposits mobilization - Market deposits at Rs 14.0 tln, growth of 5% over Dec'18 Credit offtake - Banking sector advances at Rs 8.0 tln Sep'19, up 7% over Dec'18 levels NPLs up 13% over Dec'18 to Rs. 768 bln at Jun'19 Home Remittance volumes for 3MFY'20 USD 5.5 bln (3MFY'19: USD 5.6 bln) FX reserves closed at USD 15.0 bln at Sep'19, up 9% over Dec'18. Exchange rate closed at Rs 156.4 at Sep'19, strengthening in currency of 2% in Q3'19 CPI at 11.4% in September 2019 Policy rate increased by 475 since Sep’18, benchmark rate at 13.25% at Sep'19 UBL Performance Overview - 9M 2019 9

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