Projected Rates September 2024 v2 8/30/2024 Transactional

Projected Rates on Rupee Deposit Accounts

July 1, 2024 - Sep 30, 2024

July 01, 2024 - July August 01, 2024 - Effective from

Deposit Tiers & Products
31, 2024 August 31, 2024 September 1, 2024

UBL Rupee Current Account / Business Partner Account / Business Partner Plus Account
/ UBL Asaan Current Account/UBL Mukammal Current Account/ UBL Urooj Current Account/ UBL Freelancer 0.00% 0.00% 0.00%
Current Account/ Other Current Account

UBL First Minor Savings Account 19.00% 18.00% 18.00%

UBL Savings Account/ UBL Asaan Savings Account/UBL Tezraftaar Asaan Remittance Savings Account 19.00% 18.00% 18.00%

UBL Zindagi Account 19.00% 18.00% 18.00%

UBL TezRaftaar Pardes Card Account * 19.00% 18.00% 18.00%

UBL UniSona & UBL UniSona Plus 19.00% 18.00% 18.00%

UBL Rupee UniSaver Account

For monthly average balances upto Rs. 25 million 19.00% 18.00% 18.00%
For monthly average balances above Rs. 25 million upto Rs. 100 million 19.00% 18.00% 18.00%
For monthly average balances above Rs. 100 million upto Rs.250 million 19.00% 18.00% 18.00%
For monthly average balances above Rs. 250 million upto Rs. 500 million 19.00% 18.00% 18.00%
For monthly average balances of above Rs. 500 million 19.00% 18.00% 18.00%

UBL Rupee UniFlex Account *** /UBL Urooj Saving Account

For monthly average balances upto Rs. 10,000 19.00% 18.00% 18.00%
For monthly average balances above Rs. 10,000 upto Rs. 100,000 19.00% 18.00% 18.00%
For monthly average balances above Rs. 100,000 upto Rs. 500,000 19.00% 18.00% 18.00%
For monthly average balances above Rs. 500,000 upto Rs. 1,000,000 19.00% 18.00% 18.00%
For monthly average balances above Rs 1,000,000 upto Rs. 10,000,000 19.00% 18.00% 18.00%
For monthly average balances above Rs. 10,000,000 19.00% 18.00% 18.00%

UBL Mahana Aamdani Savings Account

For monthly average balances below Rs. 100,000 19.00% 18.00% 18.00%
For monthly average balances Rs. 100,000 upto Rs. 5,000,000 19.00% 18.00% 18.00%
For monthly average balances above Rs. 5,000,000 19.00% 18.00% 18.00%

* 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 September 2024 v2 8/30/2024 COD

Projected Rates for UBL Mahana Aamdani Term Deposit

July 1, 2024 - Sep 30, 2024
July 01, 2024 - July August 01, 2024 - Effective from
Deposit Tiers & Products 31, 2024 August 31, 2024 September 1, 2024

UBL Mahana Aamdani Term Deposit

3 months 16.00% 15.25% 12.50%
6 months 15.00% 12.00% 10.50%
1 year 14.50% 11.25% 10.00%
3 years 12.00% 9.50% 8.00%
5 years 10.00% 8.00% 7.00%
10 years 9.00% 6.50% 6.00%

Projected Rates for UBL Profit Certificate of Deposit (COD)

July 1, 2024 - Sep 30, 2024
July 01, 2024 - July August 01, 2024 - Effective from
Deposit Tiers & Products 31, 2024 August 31, 2024 September 1, 2024
Effective Rate Effective Rate Effective Rate
Certificate of Deposit (COD) at Maturity Option
3 Months 16.03% 16.00% 11.50%
6 months 15.02% 12.50% 10.75%
1 year 14.93% 11.75% 10.50%
2 years 12.80% 9.75% 9.50%
3 years 12.10% 9.50% 9.00%
4 years 11.49% 8.75% 8.50%
5 years 10.66% 8.00% 8.00%
6 years 10.21% 7.50% 7.50%
7 years 9.80% 7.00% 7.00%
8 years 9.43% 6.50% 6.50%
9 years 9.09% 6.00% 6.00%
10 years 9.20% 6.00% 6.00%

July 01, 2024 - July August 01, 2024 - Effective from

Deposit Tiers & Products 31, 2024 August 31, 2024 September 1, 2024
Certificate of Deposit (COD) at Monthly Profit
1 year 14.00% 11.00% 10.00%
2 years 11.00% 10.00% 9.00%
3 years 11.00% 9.00% 8.50%
4 years 11.00% 8.00% 8.00%
5 years 10.00% 7.50% 7.50%
6 years 9.50% 9.00% 7.00%
7 years 9.50% 8.00% 6.50%
8 years 9.00% 8.00% 6.00%
9 years 9.00% 8.00% 5.50%
10 years 8.50% 7.00% 5.50%

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
TheState 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 September 2024 v2 8/30/2024 TDR & SNDR

Projected Rates on Rupee TDR & SNDR

July 1, 2024 - Sep 30, 2024

July 01, 2024 - July August 01, 2024 - Effective from

Deposit Tiers & Products 31, 2024 August 31, 2024 September 1, 2024

UBL Rupee Special Notice Deposit Receipt (SNDR)

7 to 29 days 19.00% 18.00% 18.00%
30 days and above 19.00% 18.00% 18.00%

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

1 month 16.00% 15.00% 15.00%
2 months 16.00% 15.00% 15.00%
3 months 16.00% 15.00% 15.00%
4 months 15.00% 14.00% 14.00%
5 months 15.00% 14.00% 14.00%
6 months 15.00% 14.00% 14.00%
1 year 13.00% 12.00% 12.00%
2 years 11.00% 10.00% 10.00%
3 years 11.00% 10.00% 10.00%
4 years 10.00% 9.00% 9.00%
5 years 10.00% 9.00% 9.00%
6 years 10.00% 9.00% 9.00%
7 years 9.00% 8.00% 8.00%
8 years 9.00% 8.00% 8.00%
9 years 9.00% 8.00% 8.00%
10 years 9.00% 8.00% 8.00%

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

Projected Rates September 2024 v2 8/30/2024 FCY CA & SA

Projected Rates on Foreign Currency Current & Saving Accounts

July 1, 2024 - Sep 30, 2024
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 0.00% 0.00% 0.00% 0.00% 0.000% 0.000% 0.00% 0.00% 0.000% 0.000%
July 01, 2024 -
July 31, 2024
Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current 0.00% 0.00% 0.00% 0.00% 0.000% 0.000% 0.00% 0.00% 0.000% 0.000%
August 01,
2024 - August
31, 2024
Saving 0.05% 0.10% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.001% 0.001%

Current 0.00% 0.00% 0.00% 0.00% 0.000% 0.000% 0.00% 0.00% 0.000% 0.000%
Effective from
September 1,
2024
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 September 2024

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
- For Rupee and
-For SNDR,

Branch Banking Group

Projected Rates September 2024 v2 8/30/2024 FCY TDR

Projected Rates on Foreign Currency Term Deposits

July 1, 2024 - Sep 30, 2024
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
4.00% 4.50% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
July 01, 2024 -
TDR 6 months
July 31, 2024 5.00% 5.50% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year
5.00% 5.50% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
3.35% 3.35% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
August 01, 2024 -
TDR 6 months
August 31, 2024 2.25% 2.25% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year 2.25% 2.25% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
Effective from 3.35% 3.35% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
September 1, TDR 6 months
2.25% 2.25% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
2024
TDR 1 year 2.25% 2.25% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%

Frozen FCY Accounts for September 2024

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 September 2024 v2 8/30/2024 FCY Uniflex

Projected Rates on UBL FCY UniFlex Deposit Accounts

July 1, 2024 - Sep 30, 2024
Deposit Tiers - UBL FCY UniFlex* US Dollar Pound Sterling Euro UAE Dirham

For monthly average balances upto 5,000 2.00% 1.00% 0.50% 0.50%
For monthly average balances above 5,000 up to 10,000 3.00% 1.25% 0.60% 0.60%
July 01, 2024 -
July 31, 2024 For monthly average balances above 10,000 up to 25,000 3.50% 1.50% 0.75% 0.75%
For monthly average balances above 25,000 up to 100,000 3.75% 1.75% 0.80% 0.80%
For monthly average balances above 100,000 4.00% 2.00% 1.00% 1.00%

For monthly average balances upto 5,000 1.25% 1.00% 0.50% 0.50%
For monthly average balances above 5,000 up to 10,000 1.50% 1.25% 0.60% 0.60%
August 01, 2024 -
For monthly average balances above 10,000 up to 25,000 1.75% 1.50% 0.75% 0.75%
August 31, 2024
For monthly average balances above 25,000 up to 100,000 1.75% 1.75% 0.80% 0.80%
For monthly average balances above 100,000 2.00% 2.00% 1.00% 1.00%

For monthly average balances upto 5,000 1.25% 1.00% 0.50% 0.50%
Effective from For monthly average balances above 5,000 up to 10,000 1.50% 1.25% 0.60% 0.60%
September 1, For monthly average balances above 10,000 up to 25,000 1.75% 1.50% 0.75% 0.75%
2024 For monthly average balances above 25,000 up to 100,000 1.75% 1.75% 0.80% 0.80%
For monthly average balances above 100,000 2.00% 2.00% 1.00% 1.00%

* 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