Investor Presentaiton

Deposits performance - Focus remains on growing low cost deposits Bank Deposits Period End Average Cost of Deposits Sep'19 Dec'18 9M'19 9M'18 9M'19 9M'18 Domestic deposits - Rs in bln 1,155 1,106 1,089 996 5.2% 2.8% International deposits - Rs in bln 264 260 260 251 2.2% 2.2% Total Bank - Rs in bln 1,419 1,366 1,348 1,247 4.6% 2.7% International - USD in mln 1,688 1,869 1,755 2,134 2.2% 2.2% Domestic CASA 86.8% 86.8% 86.8% 86.6% Domestic Current to Total Deposits 45.1% 45.9% 43.7% 43.7% Cost of Deposits 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% Q1'14 Q2'14 Q3'14 Q4'14 Q1'15 Q2'15 Q3'15 Q4'15 Q1'16 Q2'16 Q3'16 Q4'16 Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Domestic -International --Bank UBL Performance Overview - 9M 2019 12

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