Declared Rates HY1 2023 7/4/2023 Transactional

Declared Rates on Rupee Deposit Accounts

Jan 1, 2023 - Jun 30, 2023

Jan 01, 2023 - Jan Feb 01, 2023 - Feb Mar 01, 2023 - Mar Apr 01, 2023 - Apr May 01, 2023 - May Jun 01, 2023 - Jun
Deposit Tiers & Products
31, 2023 28, 2023 31, 2023 30, 2023 31, 2023 30, 2023

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%

UBL First Minor Savings Account 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL Savings Account/ UBL Asaan Savings Account/UBL Tezraftaar Asaan Remittance Savings Account 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL Zindagi Account 14.75% 15.75% 16.25% 19.00% 19.75% 19.75%

UBL TezRaftaar Pardes Card Account * 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL UniSona & UBL UniSona Plus 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL Rupee UniSaver Account

For monthly average balances upto Rs. 25 million 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 25 million upto Rs. 100 million 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 100 million upto Rs.250 million 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 250 million upto Rs. 500 million 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances of above Rs. 500 million 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL Rupee UniFlex Account ***

For monthly average balances upto Rs. 10,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 10,000 upto Rs. 100,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 100,000 upto Rs. 500,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 500,000 upto Rs. 1,000,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs 1,000,000 upto Rs. 10,000,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 10,000,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%

UBL Mahana Aamdani Savings Account

For monthly average balances below Rs. 100,000 14.50% 15.50% 15.50% 18.50% 19.50% 19.50%
For monthly average balances Rs. 100,000 upto Rs. 5,000,000 14.50% 15.60% 15.75% 18.50% 19.50% 19.50%
For monthly average balances above Rs. 5,000,000 14.50% 15.75% 16.00% 18.75% 19.50% 19.50%

* 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

Declared Rates HY1 2023 7/4/2023 TDR & SNDR

Declared Rates on Rupee TDR & SNDR

Jan 1, 2023 - Jun 30, 2023

Jan 01, 2023 - Jan Feb 01, 2023 - Feb Mar 01, 2023 - Mar Apr 01, 2023 - Apr May 01, 2023 - May Jun 01, 2023 - Jun
Deposit Tiers & Products 31, 2023 28, 2023 31, 2023 30, 2023 31, 2023 30, 2023

UBL Rupee Special Notice Deposit Receipt (SNDR)

7 to 29 days 13.50% 15.50% 15.50% 18.50% 19.50% 19.50%
30 days and above 13.50% 15.50% 15.50% 18.50% 19.50% 19.50%

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

1 month 13.50% 15.00% 15.00% 18.00% 19.00% 19.00%
2 months 13.50% 15.00% 15.00% 18.00% 19.00% 19.00%
3 months 13.50% 15.25% 15.25% 18.00% 19.00% 19.00%
4 months 13.50% 15.25% 15.25% 18.00% 19.00% 19.00%
5 months 13.50% 15.25% 15.25% 18.00% 19.00% 19.00%
6 months 13.50% 15.25% 15.25% 18.25% 18.00% 18.00%
1 year 13.50% 15.25% 15.25% 18.50% 16.50% 16.50%
2 years 13.50% 13.50% 13.50% 13.50% 12.00% 12.00%
3 years 13.50% 13.50% 13.50% 13.50% 12.00% 12.00%
4 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
5 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
6 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
7 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
8 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
9 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%
10 years 12.00% 11.00% 11.00% 12.00% 11.00% 11.00%

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

Declared Rates HY1 2023 7/4/2023 COD (2)

Declared Rates on UBL Mahana Aamdani Term Deposit

Jan 1, 2023 - Jun 30, 2023
Jan 01, 2023 - Jan Feb 01, 2023 - Feb Mar 01, 2023 - Mar Apr 01, 2023 - Apr May 01, 2023 - May Jun 01, 2023 - Jun Jun 07, 2023 - Jun
Deposit Tiers & Products 31, 2023 28, 2023 31, 2023 30, 2023 31, 2023 06, 2023 30, 2023
UBL Mahana Aamdani Term Deposit
3 months 14.00% 15.25% 16.00% 18.00% 19.75% 19.75% 19.75%
6 months 14.25% 15.30% 16.25% 18.25% 18.25% 19.00% 19.00%
1 year 15.00% 16.00% 16.00% 19.00% 17.00% 18.50% 19.50%

3 years 13.50% 13.50% 13.50% 15.25% 13.00% 13.00% 15.00%

5 years 12.50% 12.50% 12.50% 13.00% 11.50% 10.00% 11.50%
10 years 12.00% 12.00% 12.00% 13.50% 12.00% 10.00% 12.00%

Projected Rates for UBL Profit Certificate of Deposit (COD)

Jan 1, 2023 - Jun 30, 2023
Jan 01, 2023 - Jan Feb 01, 2023 - Feb Mar 01, 2023 - Mar Apr 01, 2023 - Apr May 01, 2023 - May Jun 01, 2023 - Jun Jun 07, 2023 - Jun
Deposit Tiers & Products 31, 2023 28, 2023 31, 2023 30, 2023 31, 2023 06, 2023 30, 2023
Effective Rate Effective Rate Effective Rate Effective Rate Effective Rate Effective Rate Effective Rate
Certificate of Deposit (COD) at Maturity Option
3 Months 13.35% 15.30% 16.03% 18.22% 19.68% 19.68% 19.68%
6 months 13.37% 15.26% 15.96% 18.06% 18.75% 18.75% 18.75%
1 year 14.28% 15.37% 15.37% 18.37% 17.52% 18.79% 19.21%
2 years 11.61% 11.61% 11.61% 15.84% 14.72% 15.47% 16.21%
3 years 11.03% 11.03% 11.03% 15.13% 14.48% 14.48% 15.77%
4 years 10.51% 10.51% 10.51% 14.22% 13.63% 13.04% 14.79%
5 years 10.06% 10.06% 10.06% 13.43% 12.37% 11.81% 12.91%
6 years 9.36% 9.36% 9.36% 12.75% 11.27% 11.27% 12.75%
7 years 9.01% 9.01% 9.01% 12.14% 10.78% 10.78% 12.57%
8 years 8.70% 8.70% 8.70% 11.61% 10.35% 10.35% 12.39%
9 years 8.40% 8.40% 8.40% 11.13% 9.95% 9.95% 12.19%
10 years 8.14% 8.14% 8.14% 11.04% 9.20% 9.20% 12.59%

Jan 01, 2023 - Jan Feb 01, 2023 - Feb Mar 01, 2023 - Mar Apr 01, 2023 - Apr May 01, 2023 - May Jun 01, 2023 - Jun Jun 07, 2023 - Jun
Deposit Tiers & Products 28, 2023 31, 2023
31, 2023 30, 2023 31, 2023 06, 2023 30, 2023
Certificate of Deposit (COD) at Monthly Profit
1 year 14.80% 15.80% 15.80% 18.80% 16.80% 18.30% 18.30%
2 years 13.50% 13.50% 13.50% 16.00% 14.00% 14.00% 14.00%
3 years 13.30% 13.30% 13.30% 15.05% 12.80% 12.80% 12.80%
4 years 13.30% 13.30% 13.30% 14.00% 12.50% 12.50% 12.50%
5 years 12.30% 12.30% 12.30% 12.80% 11.30% 9.80% 9.80%
6 years 12.30% 12.30% 12.30% 12.80% 11.30% 9.80% 9.80%
7 years 12.30% 12.30% 12.30% 12.80% 11.30% 9.80% 9.80%
8 years 12.30% 12.30% 12.30% 12.80% 11.30% 9.80% 9.80%
9 years 12.30% 12.30% 12.30% 12.80% 11.30% 9.80% 9.80%
10 years 11.80% 11.80% 11.80% 13.30% 11.80% 9.80% 9.80%

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

Declared Rates HY1 2023 7/4/2023 FCY CA & SA

Declared Rates on Foreign Currency Current & Saving Accounts

Jan 1, 2023 - Jun 30, 2023
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 - - - - - - - - - -
Jan 01, 2023 -
Jan 31, 2023

Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Feb 01, 2023 -
Feb 28, 2023

Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Mar 01, 2023 -
Mar 31, 2023

Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Apr 01, 2023 -
Apr 30, 2023

Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
May 01, 2023 -
May 31, 2023

Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current - - - - - - - - - -
Jun 01, 2023 -
Jun 30, 2023

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 Jun 2023

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

Declared Rates HY1 2023 7/4/2023 FCY TDR

Declared Rates on Foreign Currency Term Deposits

Jan 1, 2023 - Jun 30, 2023
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% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Jan 01, 2023 -
TDR 6 months
Jan 31, 2023 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%
TDR 3 months
0.50% 0.60% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Feb 01, 2023 -
TDR 6 months
Feb 28, 2023 0.60% 0.80% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.70% 1.00% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.50% 0.60% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Mar 01, 2023 -
TDR 6 months
Mar 31, 2023 0.60% 0.80% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.70% 1.00% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.50% 0.60% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Apr 01, 2023 -
TDR 6 months
Apr 30, 2023 0.60% 0.80% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.70% 1.00% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.50% 2.50% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
May 01, 2023 -
TDR 6 months
May 31, 2023 0.60% 2.75% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
0.70% 3.00% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.50% 2.50% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Jun 01, 2023 -
TDR 6 months
Jun 30, 2023 0.60% 2.75% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year 0.70% 3.00% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%

Frozen FCY Accounts for Jun 2023

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

Declared Rates HY1 2023 7/4/2023 FCY Uniflex

Declared Rates on UBL FCY UniFlex Deposit Accounts

Jan 1, 2023 - Jun 30, 2023
Deposit Tiers - UBL FCY UniFlex* US Dollar Pound Sterling Euro UAE Dirham

For monthly average balances upto 5,000 1.00% 0.75% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Jan 01, 2023 -
Jan 31, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Feb 01, 2023 -
Feb 28, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Mar 01, 2023 -
Mar 31, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Apr 01, 2023 -
Apr 30, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
May 01, 2023 -
May 31, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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% 0.05% 0.05%
For monthly average balances above 5,000 up to 10,000 1.25% 1.00% 0.10% 0.10%
Jun 01, 2023 -
Jun 30, 2023 For monthly average balances above 10,000 up to 25,000 1.75% 1.25% 0.20% 0.20%
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%

* 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