PC TARGETS UBL IPO FOR June 2005

Islamabad, April 23, 2005

Continuing on the "Privatisation for the People" program of divestments through the stock market, the government has decided to list the shares of United Bank Limited ('UBL') at the Karachi, Lahore and Islamabad Stock Exchanges and offer 10% shares to the general public with a green shoe option of additional 5% shares. The transaction is envisaged to be taken to the market in June 2005.

Privatisation Commission has appointed AKD Securities (Pvt.) Limited as the Lead Manager for the IPO of ('UBL') after a thorough and comprehensive pre-qualification process. UBL, the third largest banks in Pakistan, was privatized in October 2002 through a strategic sale in which 51% (264.18 million) shares were transferred along with management control. 25.5% (132.09 million) shares each were acquired by the Abu Dhabi Group and the Bestway Group for a total price of Rs.12.3 billion. The Government currently holds 49% of UBL's total
518 million issued shares.

UBL is a highly profitable bank with a good operational record. If the market response to the recent share offerings of OGDCL, SSGC, PPL and KAPCO gives any indication, an offer of shares of a bank like UBL would most likely receive a heavy response from the general investors. The listing of UBL would increase market capitalization significantly and would bring a worthwhile addition, rather a leader, to the banking sector companies listed  on the stock exchanges.

Shares will be offered in lots of two hundred (200) per applicant to pass on the benefit to a large section of the general public. Road shows will be conducted in a number of cities for informing the public and attracting maximum participation. The large quantity of shares offered will also add to the liquid share float in the market and add significantly to the investor base.