Projected Rates October 2024 Final 10/1/2024 Transactional

Projected Rates on Rupee Deposit Accounts

October 1, 2024 - December 31, 2024

September 01, September 14,

August 01, 2024 - Effective from
Deposit Tiers & Products 2024 - September 2024 - September
August 31, 2024 October 01, 2024
12, 2024 30, 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% 0.00%
Current Account/ Other Current Account

UBL First Minor Savings Account 18.00% 18.00% 18.00% 16.00%

UBL Savings Account/ UBL Asaan Savings Account/UBL Tezraftaar Asaan Remittance Savings Account/UBL
Institutional Savings Account
18.00% 18.00% 18.00% 16.00%

UBL Zindagi Account 18.00% 18.00% 18.00% 16.00%

UBL TezRaftaar Pardes Card Account * 18.00% 18.00% 18.00% 16.00%

UBL UniSona & UBL UniSona Plus 18.00% 18.00% 18.00% 16.00%

UBL Rupee UniSaver Account

For monthly average balances upto Rs. 25 million 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 25 million upto Rs. 100 million 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 100 million upto Rs.250 million 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 250 million upto Rs. 500 million 18.00% 18.00% 18.00% 16.00%
For monthly average balances of above Rs. 500 million 18.00% 18.00% 18.00% 16.00%

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

For monthly average balances upto Rs. 10,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 10,000 upto Rs. 100,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 100,000 upto Rs. 500,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 500,000 upto Rs. 1,000,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs 1,000,000 upto Rs. 10,000,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 10,000,000 18.00% 18.00% 18.00% 16.00%

UBL Mahana Aamdani Savings Account

For monthly average balances below Rs. 100,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances Rs. 100,000 upto Rs. 5,000,000 18.00% 18.00% 18.00% 16.00%
For monthly average balances above Rs. 5,000,000 18.00% 18.00% 18.00% 16.00%

* 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 October 2024 Final 10/1/2024 COD

Projected Rates for UBL Mahana Aamdani Term Deposit

October 1, 2024 - December 31, 2024
September
September 14,
August 01, 2024 - 01, 2024 - Effective from
Deposit Tiers & Products August 31, 2024 September 12,
2024 - September
October 01, 2024
30, 2024
2024
UBL Mahana Aamdani Term Deposit
3 months 15.25% 12.50% 10.50% 10.50%
6 months 12.00% 10.50% 8.50% 8.50%
1 year 11.25% 10.00% 8.00% 8.00%
3 years 9.50% 8.00% 6.00% 6.00%
5 years 8.00% 7.00% 5.00% 5.00%
10 years 6.50% 6.00% 5.00% 5.00%

Projected Rates for UBL Profit Certificate of Deposit (COD)

October 1, 2024 - December 31, 2024
September 01,
September 14,
August 01, 2024 - 2024 - Effective from
Deposit Tiers & Products August 31, 2024 September 12,
2024 - September
October 01, 2024
30, 2024
2024
Effective Rate Effective Rate Effective Rate Effective Rate
Certificate of Deposit (COD) at Maturity Option
3 Months 16.00% 12.48% 10.25% 10.25%
6 months 12.50% 10.75% 8.25% 8.25%
1 year 11.75% 10.50% 7.75% 7.75%
2 years 9.75% 9.50% 6.00% 6.00%
3 years 9.50% 9.00% 5.75% 5.75%
4 years 8.75% 8.50% 5.50% 5.50%
5 years 8.00% 8.00% 5.00% 5.00%
6 years 7.50% 7.50% 5.00% 5.00%
7 years 7.00% 7.00% 5.00% 5.00%
8 years 6.50% 6.50% 5.00% 5.00%
9 years 6.00% 6.00% 5.00% 5.00%
10 years 6.00% 6.00% 5.00% 5.00%

September
September 14,
August 01, 2024 - 01, 2024 - Effective from
Deposit Tiers & Products August 31, 2024 September 12,
2024 - September
October 01, 2024
30, 2024
2024
Certificate of Deposit (COD) at Monthly Profit
1 year 11.00% 10.00% 7.50% 7.50%
2 years 10.00% 9.00% 5.75% 5.75%
3 years 9.00% 8.50% 5.50% 5.50%
4 years 8.00% 8.00% 5.25% 5.25%
5 years 7.50% 7.50% 5.00% 5.00%
6 years 9.00% 7.00% 5.00% 5.00%
7 years 8.00% 6.50% 5.00% 5.00%
8 years 8.00% 6.00% 5.00% 5.00%
9 years 8.00% 5.50% 5.00% 5.00%
10 years 7.00% 5.50% 5.00% 5.00%

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 October 2024 Final 10/1/2024 TDR & SNDR

Projected Rates on Rupee TDR & SNDR

October 1, 2024 - December 31, 2024
September 01, 2024 September 14, 2024
August 01, 2024 - Effective from
Deposit Tiers & Products August 31, 2024
- September 12, - September 30,
October 01, 2024
2024 2024

UBL Rupee Special Notice Deposit Receipt (SNDR)

7 to 29 days 18.00% 18.00% 12.00% 12.00%
30 days and above 18.00% 18.00% 12.00% 12.00%

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

1 month 15.00% 15.00% 12.00% 12.00%
2 months 15.00% 15.00% 12.00% 12.00%
3 months 15.00% 15.00% 12.00% 12.00%
4 months 14.00% 14.00% 12.00% 12.00%
5 months 14.00% 14.00% 12.00% 12.00%
6 months 14.00% 14.00% 12.00% 12.00%
1 year 12.00% 12.00% 10.00% 10.00%
2 years 10.00% 10.00% 8.00% 8.00%
3 years 10.00% 10.00% 8.00% 8.00%
4 years 9.00% 9.00% 7.00% 7.00%
5 years 9.00% 9.00% 7.00% 7.00%
6 years 9.00% 9.00% 7.00% 7.00%
7 years 8.00% 8.00% 6.00% 6.00%
8 years 8.00% 8.00% 6.00% 6.00%
9 years 8.00% 8.00% 6.00% 6.00%
10 years 8.00% 8.00% 6.00% 6.00%

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 October 2024 Final 10/1/2024 FCY CA & SA

Projected Rates on Foreign Currency Current & Saving Accounts

October 1, 2024 - December 31, 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%
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%
September 01,
2024 -
Septmeber 12,
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
October 01,
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 October 2024 Final 10/1/2024 FCY TDR

Projected Rates on Foreign Currency Term Deposits

October 1, 2024 - December 31, 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
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
September 1 - 3.35% 3.35% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
September 12 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%
TDR 3 months
September 14 - 0.50% 0.50% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
September 30 TDR 6 months
0.50% 0.50% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
2024
TDR 1 year 0.50% 0.50% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 3 months
0.50% 0.50% 0.05% 0.10% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
Effective from
TDR 6 months
October 01, 2024 0.50% 0.50% 0.15% 0.20% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%
TDR 1 year 0.50% 0.50% 0.25% 0.30% 0.001% 0.001% 0.01% 0.01% 0.01% 0.01%

Frozen FCY Accounts for October 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 October 2024 Final 10/1/2024 FCY Uniflex

Projected Rates on UBL FCY UniFlex Deposit Accounts

October 1, 2024 - December 31, 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%
September 01, For monthly average balances above 5,000 up to 10,000 1.50% 1.25% 0.60% 0.60%
2024 -
For monthly average balances above 10,000 up to 25,000 1.75% 1.50% 0.75% 0.75%
Septmeber 12,
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%
September 14, For monthly average balances above 5,000 up to 10,000 1.50% 1.25% 0.60% 0.60%
2024 -
For monthly average balances above 10,000 up to 25,000 1.75% 1.50% 0.75% 0.75%
Septmeber 30,
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%
October 01, 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