Investor Relations

Our vision is to surpass the highest expectations of all our stakeholders. As an investor or a shareholder in our bank, it is essential that you are aware of current and upcoming issues, particularly those that relate to organizational impact and therefore receive the most recent and updated information on our operations and profitability. To ensure maximum transparency and detail, the bank’s financial statements and investor presentations are available for your convenience.

At UBL we believe in building a relationship based on mutual trust and reliance and your trust is imperative to us.

Contact Person for IR

Arif Akmal Saifie (CFA, FCA)

11th Floor – UBL Head Office,
I.I Chundrigar Road, Karachi- 74000 Pakistan
Phone : +92 21-990332971
UAN : 111-825-111 Ext. 7200
Fax: +92 21-32419410
arif.saifie@ubl.com.pk

If you have any queries, complaints or feedback, as primary contact point you can:
Call our 24/7 UBL Contact Center at: 021-111-825-888 (UAN)
For people in Azad Jammu Kashmir: (021) 32446949

Disclaimer: “In Case your complaint has not properly redressed by us, you may lodge your complaint with Securities & Exchange Commission of Pakistan (the “SECP”). However please note that SECP will entertain only those complaints which were at first directly requested to be redressed by the company and the company has failed to redress the same. Further, the complaints that are not relevant to SECP’s regulatory domain/competence shall not be entertained by the SECP.”

If the grievances of the shareholders and investors remain unsolved, they can be forwarded to SECP through the following: https://sdms.secp.gov.pk/~sdmsadmn/

Pakistan Banao Certificates (PBC) is authorized and regulated by the Government of Pakistan (GoP) and denominated in United States Dollar for the investors having liquidity in their bank accounts overseas. PBCs will be coupon securities carrying coupon of 6.25 percent payable semiannually and 6.75 percent payable semiannually for 3 and 5-Years respectively. Profit payment shall be exempted from deduction of tax at source. PKR maturity has an added incentive of 1% on the final premium. Can be en-cashed at any time; however encashment in USD within one year of issuance entails 1 percent penalty. ENCASHMENT IN RUPEES HAS NO PENALTY. Encashment application will also be submitted online by accessing the Redemption Module of PBC portal. Periodic Profit and redemption proceeds will be sent to the investors’ accounts designated at the time of investment Maturity in USD as well as PKR.

Credit Ratings (By JCR-VIS)

Entity Level

ADT-1 Instrument (TFCs)