Projected Rates Dec 2022 12/1/2022 Transactional

Projected Rates on Rupee Deposit Accounts

Jul 1, 2022 - Dec 31, 2022

Jul 01, 2022 - Aug 01, 2022 - Sep 01, 2022 - Oct 01, 2022 - Nov 01, 2022 - Nov 17, 2022 - Effective from
Deposit Tiers & Products
Jul 31, 2022 Aug 31, 2022 Sep 30, 2022 Oct 31, 2022 Nov 16, 2022 Nov 30, 2022 Dec 01, 2022

UBL Rupee Current Account / Business Partner Account / Business Partner Plus Account
/ UBL Asaan Current Account/UBL Mukammal Current Account/Others 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

UBL First Minor Savings Account 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL Savings Account/ UBL Asaan Savings Account/UBL Tezraftaar Asaan Remittance Savings Account 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL Zindagi Account 13.00% 14.00% 14.25% 14.25% 14.25% 13.50% 14.50%

UBL TezRaftaar Pardes Card Account * 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL UniSona & UBL UniSona Plus 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL Rupee UniSaver Account

For monthly average balances upto Rs. 25 million 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 25 million upto Rs. 100 million 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 100 million upto Rs.250 million 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 250 million upto Rs. 500 million 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances of above Rs. 500 million 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL Rupee UniFlex Account ***

For monthly average balances upto Rs. 10,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 10,000 upto Rs. 100,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 100,000 upto Rs. 500,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 500,000 upto Rs. 1,000,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs 1,000,000 upto Rs. 10,000,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances above Rs. 10,000,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%

UBL Mahana Aamdani Savings Account

For monthly average balances below Rs. 100,000 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 14.50%
For monthly average balances Rs. 100,000 upto Rs. 5,000,000 12.50% 13.60% 13.75% 13.75% 13.75% 13.50% 14.50%
For monthly average balances above Rs. 5,000,000 12.75% 13.75% 14.00% 14.00% 14.00% 13.50% 14.50%

* UBL Savings Account rules will apply in calculating returns on UBL Tezraftaar Pardes Card Accounts.
** Special rates available for UBL UniSaver Plus PLS Daily Profit Product with monthly profit payout.
*** UBL UniFlex PLS Savings Account is governed by restrictions on withdrawal transactions under duly signed Terms & Conditions.

Note 1: The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under the prevailing
regulations/directives of the State Bank of Pakistan.
Note 2: The profits calculated will be based on simple annualized rate of expected return.
Note 3: The effective dates for projected rates are as follows:
- For Rupee and FCY transactional accounts, the rates will be effective for the entire calendar month
- For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY TDRs, the rates will be effective from the day following the date of
circular issuance

Branch Banking Group

Projected Rates Dec 2022 12/1/2022 TDR & SNDR

Projected Rates on Rupee TDR & SNDR

Jul 1, 2022 - Dec 31, 2022

Jul 01, 2022 - Aug 01, 2022 - Sep 01, 2022 - Oct 01, 2022 - Nov 01, 2022 - Nov 16, 2022 - Effective from
Deposit Tiers & Products Jul 31, 2022 Aug 31, 2022 Sep 30, 2022 Oct 31, 2022 Nov 15, 2022 Nov 30, 2022 Dec 01, 2022

UBL Rupee Special Notice Deposit Receipt (SNDR)

7 to 29 days 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
30 days and above 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%

UBL Profit - Rupee Regular Term Deposit Receipt (Floating Rate)

1 month 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
2 months 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
3 months 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
4 months 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
5 months 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
6 months 12.25% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
1 year 12.50% 13.50% 13.50% 13.50% 13.50% 13.50% 13.50%
2 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
3 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
4 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
5 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
6 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
7 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
8 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
9 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%
10 years 12.50% 13.55% 13.55% 13.55% 13.55% 13.50% 13.50%

Note 1: Special rates available for UTTIP (United Term Treasury Investment Product) TDRs uptil 365 days with fixed
rates of return.
Note 2: The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules
under the prevailing regulations/directives of the State Bank of Pakistan.
Note 3: The profits calculated will be based on simple annualized rate of expected return.
Note 4: The effective dates for projected rates are as follows:
- For Rupee and FCY transactional accounts, the rates will be effective for the entire calendar month
- For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY TDRs, the rates will be effective
from the day following the date of circular issuance

Branch Banking Group

Projected Rates Dec 2022 12/1/2022 COD (2)

Projected Rates for UBL Mahana Aamdani Term Deposit

Jul 1, 2022 - Dec 31, 2022
Jul 01, 2022 - Jul 31, Aug 01, 2022 - Aug 31, Sep 01, 2022 - Sep 30, Oct 01, 2022 - Oct 31, Nov 01, 2022 - Nov 15, Nov 16, 2022 - Nov 30, Effective from Dec 01,
Deposit Tiers & Products 2022 2022 2022 2022 2022 2022 2022
UBL Mahana Aamdani Term Deposit
3 months 12.75% 13.25% 13.50% 13.50% 13.50% 13.50% 13.50%
6 months 13.00% 13.50% 13.75% 13.60% 13.60% 13.50% 13.50%
1 year 14.00% 14.25% 14.50% 14.50% 14.50% 13.50% 13.50%
3 years 12.25% 12.50% 12.50% 12.50% 12.50% 12.50% 12.50%
5 years 11.75% 12.25% 12.00% 12.00% 12.00% 12.00% 12.00%
10 years 12.00% 12.00% 11.75% 11.75% 11.75% 11.75% 11.75%

Projected Rates for UBL Profit Certificate of Deposit (COD)

Jul 1, 2022 - Dec 31, 2022
Jul 01, 2022 - Jul 31, Aug 01, 2022 - Aug 31, Sep 01, 2022 - Sep 30, Oct 01, 2022 - Oct 31, Nov 01, 2022 - Nov 15, Nov 16, 2022 - Nov 30, Effective from Dec 01,
2022 2022 2022 2022 2022 2022 2022
Deposit Tiers & Products
Effective Effective Effective Effective Effective Effective Effective
Simple Rate Simple Rate Simple Rate Simple Rate Simple Rate Simple Rate Simple Rate
Rate Rate Rate Rate Rate Rate Rate
Certificate of Deposit (COD) at Maturity Option
3 Months 13.00% 12.86% 13.50% 13.35% 13.75% 13.60% 13.60% 13.45% 13.60% 13.45% 13.50% 13.35% 13.50% 13.35%
6 months 13.25% 12.90% 13.75% 13.37% 14.00% 13.61% 14.00% 13.61% 14.00% 13.61% 13.50% 13.14% 13.50% 13.14%
1 year 15.00% 14.06% 15.25% 14.28% 15.50% 14.50% 15.50% 14.50% 15.50% 14.50% 13.50% 12.73% 13.50% 12.73%
2 years 14.00% 12.41% 14.00% 12.41% 13.25% 11.81% 13.25% 11.81% 13.25% 11.81% 13.25% 11.81% 13.25% 11.81%
3 years 15.00% 12.45% 15.00% 12.45% 15.00% 12.45% 15.00% 12.45% 15.00% 12.45% 13.50% 11.39% 13.50% 11.39%
4 years 15.50% 12.12% 15.75% 12.28% 15.75% 12.28% 15.75% 12.28% 15.75% 12.28% 13.50% 10.84% 13.50% 10.84%
5 years 16.00% 11.81% 16.50% 12.09% 16.25% 11.95% 16.25% 11.95% 16.25% 11.95% 13.50% 10.36% 13.50% 10.36%
6 years 17.00% 11.78% 17.50% 12.02% 17.00% 11.78% 17.00% 11.78% 17.00% 11.78% 13.50% 9.93% 13.50% 9.93%
7 years 18.00% 11.70% 18.50% 11.93% 18.00% 11.70% 18.00% 11.70% 18.00% 11.70% 13.50% 9.54% 13.50% 9.54%
8 years 19.00% 11.61% 19.50% 11.81% 19.00% 11.61% 19.00% 11.61% 19.00% 11.61% 13.50% 9.19% 13.50% 9.19%
9 years 20.00% 11.49% 21.00% 11.85% 20.00% 11.49% 20.00% 11.49% 20.00% 11.49% 13.50% 8.87% 13.50% 8.87%
10 years 23.00% 12.00% 23.00% 12.00% 22.50% 11.84% 22.50% 11.84% 22.50% 11.84% 13.50% 8.57% 13.50% 8.57%

Jul 01, 2022 - Jul 31, Aug 01, 2022 - Aug 31, Sep 01, 2022 - Sep 30, Oct 01, 2022 - Oct 31, Nov 01, 2022 - Nov 15, Nov 16, 2022 - Nov 30, Effective from Dec 01,
Deposit Tiers & Products 2022 2022 2022 2022 2022 2022 2022
Certificate of Deposit (COD) at Monthly Profit
1 year 13.80% 14.05% 14.30% 14.30% 14.30% 13.50% 13.50%
2 years 12.00% 12.00% 12.00% 12.00% 12.00% 12.00% 12.00%
3 years 12.05% 12.30% 12.30% 12.30% 12.30% 12.30% 12.30%
4 years 12.05% 12.30% 12.30% 12.30% 12.30% 12.30% 12.30%
5 years 11.55% 12.05% 11.80% 11.80% 11.80% 11.80% 11.80%
6 years 11.55% 12.05% 11.80% 11.80% 11.80% 11.80% 11.80%
7 years 11.55% 12.05% 11.80% 11.80% 11.80% 11.80% 11.80%
8 years 11.55% 12.05% 11.80% 11.80% 11.80% 11.80% 11.80%
9 years 11.55% 12.05% 11.80% 11.80% 11.80% 11.80% 11.80%
10 years 11.80% 11.80% 11.55% 11.55% 11.55% 11.55% 11.55%

Note 1: For all UBL Profit CODs and UBL Mahana Aamdani Term Deposit, the
applicable profit rates will be the rate at which the deposit is booked.
Note 2: The method of calculating return/profit under the profit/loss sharing scheme
is governed by the Bank Rules under the prevailing regulations/directives of
Note 3: the State
The Bank
profits of Pakistan.
calculated will be based on effective annualized rate of expected
return for UBL Profit COD profit payment at maturity.
Note 4: The profits calculated will be based on simple annualized rate of expected
return for both UBL Profit COD monthly profit payment option and UBL
Mahana Aamdani Term Deposit.
Note 5: The effective dates for projected rates are as follows:
- For Rupee and FCY transactional accounts, the rates will be effective for the
entire calendar month
- For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY
TDRs, the rates will be effective from the day following the date of circular
issuance

Branch Banking Group

Projected Rates Dec 2022 12/1/2022 FCY CA & SA

Projected Rates on Foreign Currency Current & Saving Accounts

Jul 1, 2022 - Dec 31, 2022
US Dollar Pound Sterling Euro UAE Dirham Saudi Riyal
FE 25 (UniZar Plus) - Product types Greater than or Greater than or Greater than or Greater than or Greater than or
Less than USD Less than USD Less than USD Less than USD Less than USD
equal to USD equal to USD equal to USD equal to USD equal to USD
100K or 100K or 100K or 100K or 100K or
100K or 100K or 100K or 100K or 100K or
equivalent equivalent equivalent equivalent equivalent
equivalent equivalent equivalent equivalent equivalent

Current - - - - - - - - - -
Jul 01, 2022 -
Jul 31, 2022
Saving 0.20% 0.25% 0.02% 0.05% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Aug 01, 2022 -
Aug 31, 2022
Saving 0.25% 0.50% 0.10% 0.25% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Sep 01, 2022 -
Sep 30, 2022
Saving 0.25% 0.50% 0.10% 0.25% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Oct 01, 2022 -
Oct 31, 2022
Saving 0.25% 0.50% 0.10% 0.25% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Nov 01, 2022 -
Nov 30, 2022
Saving 0.25% 0.50% 0.10% 0.25% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Effective from
Dec 01, 2022
Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Frozen FCY Accounts for Dec 2022

US Dollar 0.05%
Pound Sterling 0.05%
Euro 0.05%
Japanese Yen 0.00%

Note 1: For Saving Accounts, the rates of return vary monthly.

Note 2: The effective dates for projected rates are as follows:
- For Rupee and FCY transactional accounts, the rates will be effective for the entire calendar month
-For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY TDRs, the rates will be effective from the day following the date of circular issuance

Branch Banking Group

Projected Rates Dec 2022 12/1/2022 FCY TDR

Projected Rates on Foreign Currency Term Deposits

Jul 1, 2022 - Dec 31, 2022
US Dollar Pound Sterling Euro UAE Dirham Saudi Riyal
Greater than or Greater than or Greater than or Greater than or Greater than or
FE 25 (UniZar Plus) - Product types Less than USD Less than USD Less than USD Less than USD Less than USD
equal to USD equal to USD equal to USD equal to USD equal to USD
50K or 100K or 100K or 100K or 100K or
50K or 100K or 100K or 100K or 100K or
equivalent equivalent equivalent equivalent equivalent
equivalent equivalent equivalent equivalent equivalent
TDR 3 months
0.05% 0.25% 0.01% 0.02% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Jul 01, 2022 - Jul
TDR 6 months
31, 2022 0.10% 0.50% 0.03% 0.04% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.12% 0.75% 0.05% 0.06% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.05% 0.25% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Aug 01, 2022 -
TDR 6 months
Aug 31, 2022 0.10% 0.50% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.12% 0.75% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.05% 0.25% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Sep 01, 2022 -
TDR 6 months
Sep 30, 2022 0.10% 0.50% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.12% 0.75% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
1.00% 3.25% 0.05% 0.10% 0.001% 0.001% 0.05% 0.20% 0.01% 0.01%
Oct 01, 2022 -
TDR 6 months
Oct 31, 2022 1.25% 3.50% 0.15% 0.20% 0.001% 0.001% 0.10% 0.25% 0.01% 0.01%
TDR 1 year
1.50% 3.75% 0.25% 0.30% 0.001% 0.001% 0.15% 0.30% 0.01% 0.01%
TDR 3 months
1.00% 3.25% 0.05% 0.10% 0.001% 0.001% 0.05% 0.20% 0.01% 0.01%
Nov 01, 2022 -
TDR 6 months
Nov 30, 2022 1.25% 3.50% 0.15% 0.20% 0.001% 0.001% 0.10% 0.25% 0.01% 0.01%
TDR 1 year
1.50% 3.75% 0.25% 0.30% 0.001% 0.001% 0.15% 0.30% 0.01% 0.01%
TDR 3 months
0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Effective from
TDR 6 months
Dec 01, 2022 0.15% 0.20% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year 0.25% 0.30% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%

Frozen FCY Accounts for Dec 2022

US Dollar 0.05%
Pound Sterling 0.05%
Euro 0.05%
Japanese Yen 0.00%

Note 1: For all FCY Term Deposits, the applicable profit rates will be the rate at which the deposit is booked.
Note 2: Special Rates available in FCY UTTIP for USD 100K and above or equivalent.
Note 3: The effective dates for projected rates are as follows:
- For Rupee and FCY transactional accounts, the rates will be effective for the entire calendar month
-For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY TDRs, the rates will be effective from the day following the date of circular issuance

Branch Banking Group

Projected Rates Dec 2022 12/1/2022 FCY Uniflex

Projected Rates on UBL FCY UniFlex Deposit Accounts

Jul 1, 2022 - Dec 31, 2022
Deposit Tiers - UBL FCY UniFlex* US Dollar Pound Sterling Euro UAE Dirham

For monthly average balances upto 5,000 0.05% 0.02% 0.001% 0.02%
For monthly average balances above 5,000 up to 10,000 0.10% 0.02% 0.02% 0.02%
Jul 01, 2022 -
For monthly average balances above 10,000 up to 25,000 0.15% 0.02% 0.02% 0.02%
Jul 31, 2022
For monthly average balances above 25,000 up to 100,000 0.20% 0.02% 0.02% 0.02%
For monthly average balances above 100,000 0.25% 0.02% 0.02% 0.02%

For monthly average balances upto 5,000 0.25% 0.05% 0.030% 0.02%
For monthly average balances above 5,000 up to 10,000 0.50% 0.10% 0.03% 0.02%
Aug 01, 2022 -
For monthly average balances above 10,000 up to 25,000 0.75% 0.15% 0.03% 0.02%
Aug 31, 2022
For monthly average balances above 25,000 up to 100,000 1.00% 0.20% 0.03% 0.02%
For monthly average balances above 100,000 1.50% 0.25% 0.00% 0.02%

For monthly average balances upto 5,000 0.25% 0.05% 0.001% 0.02%
For monthly average balances above 5,000 up to 10,000 0.50% 0.10% 0.02% 0.02%
Sep 01, 2022 -
For monthly average balances above 10,000 up to 25,000 1.00% 0.15% 0.02% 0.02%
Sep 30, 2022
For monthly average balances above 25,000 up to 100,000 1.50% 0.20% 0.02% 0.02%
For monthly average balances above 100,000 1.75% 0.25% 0.02% 0.02%

For monthly average balances upto 5,000 1.00% 0.75% 0.050% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Oct 01, 2022 -
For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
Oct 31, 2022
For monthly average balances above 25,000 up to 100,000 2.00% 1.50% 0.25% 0.30%
For monthly average balances above 100,000 2.25% 1.75% 0.30% 0.40%

For monthly average balances upto 5,000 1.00% 0.75% 0.050% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Nov 01, 2022 -
For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
Nov 30, 2022
For monthly average balances above 25,000 up to 100,000 2.00% 1.50% 0.25% 0.30%
For monthly average balances above 100,000 2.25% 1.75% 0.30% 0.40%

For monthly average balances upto 5,000 0.05% 0.05% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 0.05% 0.05% 0.05% 0.05%
Effective from
For monthly average balances above 10,000 up to 25,000 0.05% 0.05% 0.05% 0.05%
Dec 01, 2022
For monthly average balances above 25,000 up to 100,000 0.05% 0.05% 0.05% 0.05%
For monthly average balances above 100,000 0.05% 0.05% 0.05% 0.05%

* UBL FCY UniFlex Savings Account is governed by restrictions on withdrawal transactions under duly signed Terms & Conditions. The applicable bands of threshold are
according to their respective currencies

Note 1: The effective dates for projected rates are as follows:

- For Rupee and FCY transactional accounts, the rates will be effective for the entire calendar month

-For SNDR, COD, UBL Mahana Aamdani Term Deposit and Rupee & FCY TDRs, the rates will be effective from the day following the date of circular issuance

Branch Banking Group