UBL Growth and Market Leadership

Overview of operating environment this year... banking sector remains resilient despite challenges Risks and opportunities surrounding core segments...we remain focused on our core markets 1 Rate Regime Interest Rate remained high throughout the year in line with global trends 2 Inflation CPI levels highly elevated due to commodities super cycle and higher utilities 3 Investment Strategy Market mainly investing in the short term - as rate outlook remains uncertain 4 Emerging Market Debt Rising bond yields and widening credit spreads impact positions 5 Quality assets built over time Lending across all major sectors within the economy 6 Geopolitical Situation Equity markets await clarity on policies and direction 7 International Economies GCC economic environment improving Strongest Credit Rating 3 Entity Rating AAA /A-1+ VIS Credit Rating Co. Best Digital Bank For the 3rd consecutive year recognized by Asia Money A BEST BANK Best 2022 Digital A ASIAMONEY Bank ASIAMONEY Best Mobile App & BEST BANK AWARDS 2021 ASIAMONEY PAKISTAN Emerging Technology' Award Pakistan Digital Award 2021 2022 has been a year of reinvestment in core businesses while building an optimal structure across the team

View entire presentation