Investor Presentaiton

UBL - A dominant brand A Look into the Past 1959 - UBL sets up with first branch in Karachi Our Current Positioning ■ 1963 - First Pakistani bank with a branch in ■ London - 1967 UBL enters the UAE 1974 UBL nationalized with other private banks 2002 Privatized with divesture of 51% stake by the GoP - - 2007 An additional 25% of the share capital divested by the GoP to international investors through a GDR offering - 2014 Divesture of remaining 19.8% stake, a USD 400 mln transaction, by the GoP through secondary public offering (SPO) UBL Performance Overview - 9M 2019 ☐ ◉ Second largest private sector bank in Pakistan with 1,360 branches Market share of 8.3%, 5.5 million customers Highest credit ratings of AAA / A-1+ by VIS One of the most profitable banks in Pakistan avg. RoE of 21% 2014-2018 - Key Strategic Advantages First branchless banking proposition in Pakistan UBL Omni - Cost efficient deposit mix driven by well penetrated branch network - Largest rural network I vast potential to increase financial inclusion At the forefront of innovation - digital lab, next gen mobile app, digital onboarding 4

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