Major shareholders(holding

more than 5% of total shares)

• His Highness Sheikh Nahayan 6.45%
• H.E Dr Manna Saeed Al Otaiba 5.51%
• Bestway Limited 18.20%
• Sir Muhammad Anwar Pervaiz 5.10%
• Bestway Cement Limited 7.65%
• Government of Pakistan 19.49%
 Demand liabilities
• Savings deposits Rs 179,752,604
• Current account (remunerative) Rs
2,820,934
• Current account (non remunerative) Rs
154,283,090
• Margin deposits Rs 4,319,476
• Sundry deposits Rs 4,643,923
 Demand liabilities
• Non remunerative deposits of financial
institutions Rs 2,098,414
• Mark up payable in local currency Rs
7,015,580
• Mark up payable in foreign currency Rs
349,630
• Workers welfare funds payable Rs
741,609
 Demand liabilities
• Insurance payable againt customer’s
assets Rs 393,288
• Payable against purchase of securities
Rs 197,722
• Unearned commission Rs 221,434
TOTAL= Rs 357,685,677
 Time liabilities
• Non remunerative deposits from
financial institutions Rs 847,973
• TFC’s (sum of all TFC’s) Rs
17,986,200
• Accrued expenses Rs 1,686,129
• Fixed deposits Rs 155,634,121
 Time liabilities
• Payable under severance scheme Rs
33,452
• TOTAL= Rs 176,187,875
 Reserves maintained by UBL
with SBP
• Statutory Liquidity Reserve (SLR)
• Cash Reserve Requirement (CRR)
• Capital Adequacy Ratio (CAR)
 Statutory Liquidity Reserve
(SLR)
• 18% of the total time and demand
liabilities
• Time liabilities+demand laibilities= Rs
533,873,552
• 18% of Rs 533,873,552= Rs
96,097,239.36
 Cash Reserve Requirement
(CRR)
• 7% of total demand liabilities
• 3% of total time liabilities

• 7% of Rs 357,685,677= Rs 533,873,552
• 3% of Rs 176,187,875= Rs 5,285,636.25
• TOTAL CRR= Rs 539,159,188.3
Capital Adequacy Ratio (CAR)

• CAR=(Tier 1 capital+Tier 2
capital)/Risk weighted assets
• Where as risk weighted assets = MCR
• For UBL tier 1 capital is Rs 32,296,861
• MCR= 23 billion
• Tier 2 capital= ? It includes subordinte
loans of rs 1189,800