SUBSCRIPTION OF UBL IPO LIKELY IN MAY

Islamabad, April 30, 2005

Continuing the "Privatisation for the People" program of divestment of shares of state-owned entities through the stock market, the government has decided to offer 10% shares of United Bank Limited ('UBL') (with a green shoe option of additional 5% shares) to the general public through the Karachi, Lahore and Islamabad Stock Exchanges. Subscription for UBL shares is likely to be called by end of May 2005. The application package for the stock exchanges and the SECP is presently being prepared with the assistance of the Lead Manager.

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. The market response to the share offerings of OGDCL, SSGC, PPL and KAPCO indicates that 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.

With a view to benefiting a larger cross section of the general public, shares will be offered in lots of two hundred (200) per applicant. The large quantity of shares offered will also add to the liquid share float in the market and add significantly to the investor base.