UBL Growth and Market Leadership

Key Ratios for the quarter - Higher ROE in Q4'22 increasing overall levels with steady buildup in revenue Gross Revenues Cost to Income Ratio Rs in bln 42.8 47.8% 35.1 12.3 31.6 45.0% 28.3 7.4 43.5% 43.3% 22.6 23.9 24.5 24.2 7.9 6.8 5.6 5.9 6.1 5.8 NFI 30.4 27.7 21.5 23.6 16.9 18.2 18.6 18.1 ■NII Net Interest Margins Rs in bln Policy Rate +625 bps 41.5% 5.5% 3.9% 3.9% 4.3% 4.6% 4.9% 3.5% 3.7% 39.2% 39.0% 33.9% 30.5 27.7 21.5 23.6 16.9 18.2 18.6 18.1 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 NII NIMS Return on Equity 22.9% 20.5% 20.0% 19.6% 19.9% 15.4% 5.4% Asset Quality 28.4% 13.3% 12.9% 12.9% 12.1% 12.3% 11.8% 11.8% Advances to Deposit Ratio 55.1% 9.2% 41.6% 41.6% 37.7% 34.3% 35.9% 37.7% 35.2% Mar'21 Jun'21 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar 21 Jun 21 Sep'21 Dec'21 Mar 22 Jun'22 Sep'22 Dec'22 ROE - ROE norm.

View entire presentation