#1Investor Presentation ME BANK Meezan Bank The Premier Islamic Bank Winner Beat Back MEEZAN BANK 1#2Index S.No Table of Content BANK Meezan Bank The Premier Islamic Bank Slide # 1 Islamic Finance Industry 3-6 2 Company Overview 7-22 3 Our Digital Footprint 23-30 4 ESG Initiatives 31-33 5 Investment Opportunity & Strategic Priorities 34-36 2#3600 800 $ Islamic Finance Industry 3#4Global Islamic Finance Industry Highlights Total Asset size US $3.4 Trillion 1,595 Islamic financial institutions including 520+ Islamic Banks operating in 73 countries 47 countries with Islamic Finance Regulations US $1.3 Billion CSR funds disbursed by Islamic Financial Institutions BAN Islamic Financial Institutions Notable Islamic Banks globally Al Rajhi Bank (KSA) • Dubai Islamic Bank (UAE) Kuwait Finance House (Kuwait) • Alinma Bank (KSA) Qatar Islamic Bank (Qatar) Meezan Bank The Premier Islamic Bank Many foreign banks now have Islamic windows like Citibank - ANZ- RBS Goldman Sachs - Hong Kong Shanghai bank - Saudi American bank - Saudi British Bank - UBS AG. میرا US $631 Billion value of o/s Sukuks US $178 Billion value of Islamic Funds Islamic Banks in Pakistan • Meezan Bank (Largest Islamic Bank in Pakistan with approx. 1/3 market share of Islamic Deposits and Advances) BankIslami Pakistan • Dubai Islamic Bank Pakistan Limited Al-Baraka Bank Pakistan Limited • MCB Islamic Bank Limited 323 Takaful companies; size of US $62 Billion Assets I 17 banks operating Islamic Banking Windows BALOCHISTAN SINDH ARADH NWFP JAMMU & KASHMIR AK PUNJAB Source: Islamic Finance Development Report 2021 (Numbers reported as of 2020)#5Pakistan Islamic Banking Industry · PANK Meezan Bank The Premier Islamic Bank Islamic banking assets recorded highest ever quarterly growth of Rs 836 billion in Q2'22: SBP According to Fitch Ratings (US-based credit rating agency), Islamic finance industry in Pakistan is expected to continue its growth trajectory over the medium term, driven by strong government push and steadily rising public demand for Islamic products. Total 33 Commercial Banks (Branches: 15,545) registered in Growth of Assets and Deposits of Islamic Banking Industry Pakistan out of which 5 are full fledged Islamic Banks and 17 Banks have Islamic branch operations • Branch network of IBS participants - 4,086 (Jun 2022) • · Islamic banking windows operated by IBBS - 1,463 (Jun 2022) Asset base Jun 2022 Rs 6,781 Billion (19.5% of Total Banking Industry) (PKR in Trillion) 3.3 2.7 2.7 2.3 2.2 1.9 4.3 3.4 6.8 5.6 4.9 4.2 • Deposit base Jun 2022 Rs. 4,856 Billion (20.5% of Total Banking Industry) · CAGR of 25% and 22% between FY 2017- FY 2021 on Assets and Deposits respectively FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 HY 2022 Assets Deposits Pakistan's Islamic banking to maintain growth in 2022: Moody's Moody's in a recent report stated that according to the enhanced NFIS targets, the government of Pakistan and the State Bank of Pakistan (SBP) target an Islamic banking market share of 25% by 2023 further increasing to 30% in 2026. Source: Dec 2021 & Jun 2022 SBP IB Bulletin, Moody's and Fitch News Articles 5 сл#6Islamic Banking vs Total Banking Industry of Pakistan BANK Meezan Bank The Premier Islamic Bank Deposits Meezan Bank: Rs. 1.6 Trn Islamic Banks: Rs. 4.9 Trn Conventional Banks: Rs. 18.9 Trn *Domestic + Intl. Deposits Financing Meezan Bank: Rs. 808 Bln Islamic Banks: Rs. 2.9 Trn Conventional Banks: Rs. 7.9 Trn 20.5% Meezan Share Total: 6.6% IB: 32.3% Assets Meezan Bank: Rs. 2.4 Trn Islamic Banks: Rs. 6.8 Trn 79.5% 72.8% Islamic Bank Conventional Banks Meezan as a % of Total Industry | Islamic Banks (IB) Conventional Banks: Rs. 28.1 Trn 19.5% Meezan Share Total: 6.9% IB: 35.7% 80.5% Meezan Share Total: 7.4% IB: 27.3% 27.2% Profit Before Tax (PBT) Meezan Bank: Rs. 34 Bln Islamic Banks: Rs. 73 Bln Meezan Share Total: 11.2% 75.5% Conventional Banks: Rs. 226 Bln IB: 45.9% 24.5% Source: June 2022, SBP Quarterly Compendium Meezan Bank Unconsolidated Financial Statements June 2022#7Company Overview Mank 7#8Awards and Recognitions. STATE OF BANK STAN PAKIST FEDERATION CFP EMPLOYERS 1950 PAKIS STAN ROSHAN DIGITAL ACCOUNT دور رہ کر بھی پا An Initiative of State Bank of Pakistan IFFSA ISLAMIC FINANCE FORUM OF SOUTH ASIA OF 山川 BANK Meezan Bank The Premier Islamic Bank CFA Society GLOBAL Pakistan ASIAMONEY INTERNATIONAL FINANCE WORLD FINANCE THE VOICE OF THE MARKET GIFA GLOBAL ISLAMIC FINANCE AWARDS FINANCE Awards The Banker 8#9Meezan Bank Current Standing PAN K Meezan Bank The Premier Islamic Bank Founded with the Vision to 'establish Islamic banking as banking of first choice...', the Bank commenced operations in 1997 as Al Meezan Investment Bank Limited. It converted to Meezan Bank Limited, a full-fledged Islamic commercial bank in 2002, when the State Bank of Pakistan issued it Pakistan's first Islamic Commercial Banking license. Meezan Bank share in Domestic Banking Industry Deposits - 6.9% (June 2022) increased to 7.3% (September 2022) Meezan Bank share in Islamic Banking Industry Deposits - 32.3% (June 2022) Islamic banking share in Domestic Banking Industry Deposits - 21.3% (June 2022) Within a span of 20 years Meezan Bank has achieved many milestones, some of which are highlighted below: 5th Largest Bank in Pakistan in terms of Domestic Deposits and the Largest Islamic Bank in the country (as of June 2022) I Highest Credit Rating Medium to Long term AAA Short term A1+ Market Maker for Shariah- complaint debt instruments Designated Systemically Important Bank (D-SIB) Categorizied by the State Bank of Pakistan on Pakistan Stock Exchange Deposits Rs 1.66 trillion (US $ 7.2 Bn) with growth of 23% (YoY Sep 2022) Profit after Tax YTD Sep 2022 Rs 28.6 billion (FY Dec 2021 Rs 28.4 billion) Most Valuable Bank by Market Capitalization amongst all the banks listed on Pakistan Stock Exchange (PSX) Highest-Rated Mobile App on Google Playstore & Apple App Store <<<< 9#10Performance Overview YoY September 2022 K BANY Meezan Bank The Premier Islamic Bank Profit after Tax 46% ↑ Distribution to Shareholders Rs. 28.6 billion 23% ↑ ADR 7% ↑ Deposits Rs. 1.6 Plus trillion Earnings per Share 53% N Total Assets 44%↑ Rs. 15.98 per share R$ 2.4 000 000 000 Plus trillion 55% Cash & 10% Bonus 3 over million 523 Customers Employees over 14,000* HA 10#11Key Performance Indicators - Deposits Rs in Bn Deposit Growth Since Inception Meezan Bank The Premier Islamic Bank BANK 1,657 1,569 1,456 Market Share of Deposits 7.3% (Sep'22) CAGR Since Inception 35% (Dec'21) 1,254 933 785 667 559 468 379 288 230 5 8 14 23 34 55 70 100 131 169 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Jun-22 Sep-22 Deposit Composition Branch Network in 300+ cities Individual 65% 38 87 389 New Branches added since 2016 55 100 59 20 30 Private Sector - 33% Public Sector - 1% NBFIS - 0.5% 571 601 660 760 815 902 940 Government - 0.5% Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Sep-22 Branch Network New Branches 11#12Meezan Bank vs Domestic Industry Deposits. JUN 2022 NBP ☐ 13.70% ☐ ☐ Meezan Bank BANK The Premier Islamic Bank CASA ratio of Meezan Bank has remained steady in 3rd Qtr. 2022 vs Year End Dec 2021. Steady growth of 17% in Current deposit vs Year End Dec 2021. Increase of more than Rs 800 Bn in CASA over the last 4 years. CA: Rs. 778 Bn | SA: Rs. 597 Bn | TD 282 Bn. Others 33.88% BAFL 5.34% BAHL 6.35% MCB 6.59% MEBL 6.88% HBL 12.87% Meezan Bank Deposit Mix CA 17% and CASA ↑ 14% (Q3'22/Y.E'21) 296 282 262 247 UBL 83.0% 83.1% 83.3% 244 7.48% 212 1,375 1,307 76.4% 73.0% 73.8% 1,209 958 688 ABL 6.91% 573 37% 48% 47% 46% 40% 36% CY 2018 CY 2019 CY 2020 CY 2021 HY 2022 Q3 2022 I CASA Term Deposit CASA Ratio CA Ratio Total Domestic Deposit Market Share June 2022 Meezan Bank domestic deposit market share increased from 6.88% Jun'22 to 7.26% Sep'22 Actuals Y.E 2018 - 2021 & YTD 30 Sep 2022 12#13Key Performance Indicators - Financing Rs in Bn Gross Financing & Infection Ratio Sep 2022: Financing Market Share: 7.9% 2.8% 532 777 873 827 THEEH 2.1% 429 522 1.8% 1.3% 507 1.9% 1.7% 1.5% 1.5% 320 7 6 7 9 15 14 14 13 CY16 CY17 CY18 Strong NPL Coverage Ratio Meezan Bank The Premier Islamic Bank BANK Rs in Bn 154% 139% 142% 139% 133% 133% 128% 118% 20 20 19 19 15 14 14 13 13 9 7 7 10 9 8 CY19 CY20 CY16 CY17 CY18 CY21 HY22 Q322 I Provisions held CY19 Non Performing Loans CY20 CY21 HY22 NPL Coverage Q322 Advances Infection Ratio Non Performing Loans Financing Composition Gross Financing: Rs 873 bn Corporate 75% SME/Commercial - 15% Sep 2022: Specific Provision Reversal - net: Rs 105 mn (Charge: Rs 791 mn & Reversal: Rs 896 mn). General Provision Charge: Rs 835 mn. 7,100 General Provision of Rs 7.7 bn NPL Coverage Ratio 154% Consumer -9% Staff - 1% 650 General Provision Consumer General Provision - under PR The Bank is geared up for IFRS 9 adoption and the existing General Provision is sufficient to cover any additional charge which may be required under IFRS 9. 13#14Key Performance Indicators - Investment Rs 1.2 Trillion Up by 100% Investments (Rs in Bn) YTD Sep 22 CY21 Var. GoP Ijarah Sukuk (GIS) 1,065 398 168% GIS Energy Sukuk & Other Govt. (PES) 156 197 (21%) Others (Shares, Corp sukuk etc) 23 26 (12%) Total Investment Mix 1,244 621 100% Rs 156 bn 13% PES Rs 197 bn 32% GIS Mix (Rs in Bn) - YTD Sep 22 Amount Mix 2% Variable Others 811 76% 4% Fixed Total 254 24% 1,065 100% Sep 22 Dec'21 Meezan Bank The Premier Islamic Bank BANK Rs 1.06 tn 86% Rs 398 bn 64% 14#15Key Performance Indicators - Profit Rs in Bn Profit After Tax 2011 - 2022 Last three years average growth in PAT 48% (2019 - 2021) BANK Meezan Bank The Premier Islamic Bank 22.2 28.4 15.2 9.0 US $97 mn US $124 mn 3.4 3.5 4.0 4.6 5.0 5.6 6.3 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Rs in Bn 9.2 5.5 10.2 Quarterly PBT and PAT Tax rate 39% 11.8 10.7 10.2 10.6 6.2 6.4 6.9 6.1 6.5 7.0 4.1 28.6 US $125 mn Q3 2022 YTD | 22.7 18.5 14.8 15.1 11.5 8.8 9.2 7.9 Q1' 20 Q2' 20 Q3' 20 Q4' 20 Q1' 21 Q2' 21 Q3' 21 Q4' 21 Q1' 22 Q2' 22 Q3' 22 Quarterly PBT Quarterly PAT Tax rate 49% Q2'22 PAT also reflects the impact of higher tax rate applicable to Q1'22 15#16Key Ratios (1/2) ROE - % 19.6% 19.3% 23.8% 40.2% 38.3% 36.4% 34.6% 30.7% 1.0% 0.9% 0.9% ROA-% BANK Meezan Bank The Premier Islamic Bank 1.8% 1.7% 1.7% 1.6% 1.5% CY16 CY17 CY18 CY19 CY20 CY21 HY22 Q3'22 YTD CY16 CY17 CY18 CY19 CY20 CY21 HY22 Q3'22 YTD Income Efficiency Ratio -% 62.9% 59.3% 55.2% 45.7% 42.2% 39.7% 37.8% 37.0% Gross ADR-% 66.5% 64.3% 57.1% 54.3% 42.4% 53.4% 53.0% 53.0% CY16 CY17 CY18 CY19 CY20 CY21 HY22 Q3'22 YTD CY16 CY17 CY18 CY19 CY20 CY21 HY22 Q3'22 YTD Q2'21: The Government levied additional income tax on income attributable to investment in the Fed. Gov. securities - if the year end ADR falls below 50% 16#17Key Ratios (2/2) Capital Adequacy Ratio % 17.8% K Meezan Bank The Premier Islamic Bank PAN CAR 19.2% 17.8% 17.8% 16.6% 14.5% 12.9% 0.4% 12.9% 6.7% Excess 4.1% 6.3% 6.3% 5.3% 2.0% 0.4% 1.0% 1.0% Additional D-SIB 12.5% 12.5% 12.5% 12.5% 11.5% 11.5% 11.5% CY16 CY17 CY18 CY19 CY20 CY21 HY22 ■Min. Req. ■D-SIB Excess CAR Min Req. reduced due to Covid Rs in Mn Equity & Book Value / Share 87 94 94 11.5% Minimum Required YTD'22 Min Req. 11.5% (Additional 1% CET1 capital, for being designated as D-SIB*) 104 69 59 57.6 58.0 35 30 28.1 32.3 40 34.5 53.2 45.9 48.9 CY16 CY17 CY18 CY19 CY20 Equity Book Value CY21 HY22 Q3'22 YTD * Meezan Bank was designated as a D-SIB (Designated Systemically Important Bank) by State Bank of Pakistan in 2021 which requires the bank to maintain 1% additional Capital against RWAs by Jun 2022 17#18Unconsolidated Statement Of Financial Position CY 2018 - YTD Sep 2022 BANK Meezan Bank The Premier Islamic Bank Rs in Bn Balance Sheet CY18 CY19 CY20 CY21 2021/2020 YTD Sep 2022 2022/2021 Islamic Financing - Gross 522 507 532 777 46% 873 12% Less: Provisions (10) (13) (19) (19) 0% (21) 11% Islamic Financing - net 512 494 513 758 48% 852 12% Investments 124 226 434 620 43% 1,244 101% Others (O/A, C&B etc) 302 402 575 525 -9% 351 -33% Total Assets 938 1,122 1,522 1,903 25% 2,447 29% Deposits 785 933 1,254 1,456 16% 1,658 14% Due to Fls 36 42 95 220 132% 505 130% Other Liabilities 38 57 60 83 38% 116 40% Bills Payable 24 17 26 36 38% 43 19% Sub-ordinated Sukuk 14 14 18 21 17% 21 0% Total Liabilities 897 1,063 1,453 1,816 25% 2,343 29% Net Assets 41 59 69 87 26% 104 20% Paid-up Capital Reserves / Retained Profit 22 12 13 14 16 14% 18 13% 29 37 49 67 37% 85 27% Revaluation Surplus/ (Deficit) 9 6 4 -33% 1 -75% Total Equity 41 59 69 87 26% 104 20% 18#19Unconsolidated Profit & Loss Statement CY 2018 - YTD Sep 2022 BANY K Meezan Bank The Premier Islamic Bank Rs in Bn P&L Statement CY18 CY19 CY20 CY21 2021/2020 Policy rate 5.75% 10.00% 10.00% 13.25% 13.25% -7.00% 7.00% -9.75% YTD Sep 2022 9.75% 15.00% Ann. 2022/2021 Policy rate - Average Profit/return earned 7.10% 11.99% 8.95% 7.29% 12.47% 49 94 107 110 3% 154 87% Profit on deposits & others (20) (48) (42) (41)↓ -2% (77) 150% Net Spread earned 28 46 65 69 6% 77 个 49% Other income 7 9 10 15 50% 15 33% Total Revenue Operating Expense Profit Before Provisions Total reversals/ (provisions) Profit Before Provisions Taxation 36 55 75 84 12% 92 46% (20) (26) (30) (36) 20% (34) 26% 16 15 615 29 45 (1) (4) 58 48 7% 58 61% (8) (1) -88% (2) 167% 25 37 47 27% 56 59% (6) (11) (15) (19) 27% (28) 96% Profit After Tax 9 14 22 28 27% 28 33% 35% (C) & 50% (C) & 60% (C) & 60% (C) & 55% (C) & Dividend per share - Rs 10% (B) 10% (B) 10% (B) 15% (B) 10% (B) Dividend per share - Total 45% 60% 70% 75% 65% 19#20Al-Meezan Investment Management Ltd (Meezan Bank's subsidiary) INVES Pure. Profit Al Meezan Investment Management Ltd. BANK Meezan Bank The Premier Islamic Bank Al Meezan Investment Management (AMIM) has a vision... to make Shariah Compliant Investing a first choice for investors. Having a diverse clientele base of over 167,000 investors, ranging from institutions and businesses to individuals and High Net Worth clients, we offer investment solutions, mutual funds and investment advisory services which are catering to specific needs of the customers. As the largest private sector Asset Management and Investment Advisory firm operating in Pakistan, AMIM offers a comprehensive range of Shariah compliant investment solutions. With an impressive track record of over 27 years, Al Meezan cherish the status of being the only company in Pakistan with the sole mandate to provide Shariah complaint investment solutions to its customers. 20#21Al-Meezan - Products 1. Mutual Funds 2. Savings Plan MERAI Meezan INVE Investment Management Ltd. 3. Retirement Plans 4. Investment Plans 5. Monthly Income Plans 6. Capital Preservation Solutions 7. Separately Managed Accounts 8. Meezan Pakistan Exchange Traded Fund World Class Investment Opportunities from Anywhere in the World Now Non-Resident Pakistani's holding a Roshan Digital Account can Invest in Mutual Funds through Al Meezan Investments BANK Meezan Bank The Premier Islamic Bank AM1 Rating by VIS and PACRA (+92 91) 111-633-926 | www.almeezangroup.com | [email protected] Available on Social Media You Tube in A Subsidiary of Meezan Bank The Premier Islamic Bank Disclaimer: All investments in Mutual Funds are subject to market risks. Past Performance is not necessarily indicative of future results. Please read the offering document to understand the investment policies, risks and tax implications involved. Terms and Conditions Apply. 21#22Al-Meezan - Financial Performance BANK Meezan Bank The Premier Islamic Bank Sep Dec Δ% 2022 2021 AUMS - Incl. discretionary portfolio - Rs Bn 217 187 16% - Meezan Funds Incl. plans (No.) 35 30 17% Largest Asset Management Company in Pakistan ✓ Established track record of over 27 years ✓ One of the largest investor base of over 167,000* investors ✓ Manages the largest open-end Shariah Compliant Income, Money Market & Voluntary Pension Fund ✓ Developed the first Shariah Compliant Index (KMI-30) in collaboration with KSE (now PSX) ✓ Launched a Shariah Compliant Open End Islamic CIS Paaidaar Munafa Plan-I. ✓ Successfully maintained and strengthened its position as the largest Asset Management Company in Pakistan with Assets under management of over Rs. 209 Billion* (Mutual Funds: Rs. 194Bn+, SMA: 15Bn+) *As of 30th June, 2022 22#23Our Digital Footprint 23#24Building Blocks for Digital Transformation & Innovation Objective LAN BANY Meezan Bank The Premier Islamic Bank To intelligently understand the banking needs of our customers and develop new business models providing new revenues and value producing opportunities for the bank through the use of new technologies and data Strategy Creating new business models embracing new technologies and data iji Culture Building a culture to embrace change and experiment W Intelligent Digitization Transforming business models by leveraging technology and data to provide new revenues and value producing opportunities Technology Continuously exploring & innovating leveraging new technologies. Data Science & Al Utilising data analytics to understand changing customer needs and responding intelligently Customer Experience Pursuing it as the holy grail making interactions simple and intuitive Building Intuitive Businesses that Create Value for our Customers 24#25Key Highlights and Achievements Meezan Bank is leveraging the latest technologies to strategically expand its reach, bring in newer product innovations, digitize its customers journeys and offer newer and simpler payment solutions. The Bank enjoys digital leadership in the following areas: ☐ ☐ Highest-Rated Mobile App on Google Play Store & Apple App Store Leading market player in terms of transactions passing through 1Link Grid in the industry Largest processor of bill payments by value on 1Link Highest e-Commerce Spend on Debit Cards in the industry ☐ 1,000+ digitally secured ATMs ◉ 6,800+ POS Machines in 200+ cities of Pakistan (Sep 2022) NFC contactless withdrawals through ATMs Meezan Bank BANK Key Achievements The Premier Islamic Bank Launch of Mastercard World Debit Card Highest Transaction Volume In the industry through 1Link grid with share of 22.2% Largest market share of Debit Cards e-commerce transactions comprising over 40% of the market Launch of Pakistan's first 3D In-house 3D-Secure service for e-commerce transactions ATM Meezan Mobile App 15 Million Biometric enabled Wide range of NFC (»)))) ATM Network based Debit Cards Mobile Banking App for Android, iOS & Huawei Platforms Feature-rich Internet Banking SMS Banking Payments using QR code Mobile Tap & Go 24/7 Call Centre Conventional and Smart POS Machines E-Commerce Payment Gateway Real-time SMS & E-mail Alerts Our Achievements in 2021 Migration of customers ▲ 38% to digital platforms Bill payment transactions IBFT transactions 70% ATM up-time 98.1% 156% Debit cards portfolio - 17% E-commerce transactions - 118% *Largest market share of Debit Cards e-commerce transactions, comprising more than 40% of the market. As compared to 2020 "As per State Bank of Pakistan Report Q3FY21 Logins to the App monthly 62% Increase in Mobile App Active Users 85% Growth in financially active customers | 4.9 Rated on Play Store & App Store Highest Rated Mobile App Google play App Store Faust Card discounts and alliances program spanning over 300 merchants across Pakistan Launch of Corporate Debit Card Introduced Cash Deposits into 1Link member bank accounts through Cash Deposit Machines Integration and Launch of Raast Instant Payment System As of 31st Dec 2021 25#26Digital Channels Statistics (1/2) No in 000's 2.69 Million Total Cards 2,692 2,326 1,991 .1,505. 1,175 1,305 POS & E-Commerce Transactions No of transactions in 000's 11,248 8,222 5,337 3,034 K Meezan Bank The Premier Islamic Bank PAN .23,921 23,474 CY17 CY18 CY19 CY20 CY21 Jan - Sep 22 CY17 CY18 CY19 CY20 CY21 Jan - Sep 22 Jan to Sep 2022 Digitalization Percentage (Digital Channels vs OTC) 77% Rs 4 tn # of Transactions share Digital throughput composition Rs. 5.21 tn Bill Payment 90.1% 91.2% 85% Cash Withdrawal 82% 81% 83% 2% 81% Fund Transfer Rs 0.104 tn 80% 77% 21% Rs 1 tn 93.1% 93.7% 92.7% 88% 89% 84% ■ ATM MB / IB Debit Cards *MB Mobile Banking IB= Internet Banking Q3-2021 Q4-2021 Q1-2022 Q2-2022 Q3-2022 26#27Digital Channels Statistics (2/2) MB / IB-Volumes and Trans. doubled YoY. Jan to Sep 2022 113 mn (trxn) 59 mn (trxn) Rs 4 tn Rs 1.8 tn Meezan Bank The Premier Islamic Bank MB = Mobile Banking IB= Internet Banking AN Card base at 2.69 Mn, with spend growing by 106% YoY Monthly Active Mobile App Users ~70 23.92 mn (trxn) Jan to Sep 2022 % Sep 2022 Unique Login up by 52% Rs 62 bn 16.11 mn (trxn) Rs 30 bn 0.83 mn 1.26 mn Jan - Sep 21 ■Trans. Vol (Rs. B) Jan - Sep 22 Trans Count (M) Jan - Sep 21 ■Card base spend (B) Jan - Sep 22 ■Card base Trx. (M) Sep - 21 Sep - 22 Unique Login in Past 30 Days Digital Transfers (incl. IBFT) - Grew by No of Transactions in mn 44.83 100% 89.83 15.23 12.84 Jan - Sep 21 Jan - Sep 22 ■ OTC IBFT / Online Cash Withdrawals Through ATM Up By 33% No of Transactions in mn 39.92 53.22 9.60 11.15 Jan - Sep 21 Jan - Sep 22 OTC ATM 53% Growth in Digital Bill Payments Service No of Transactions in mn 15.97 1.91 Jan - Sep 21 OTC UBPS Digital-Throughput breaking new barriers reaching Rs 5.21 tn. Digital channels are growing at a much faster rate as compared to Over-the-Counter Transactions: Digital Transfers - 100%, ATM cash withdrawals 33% & Bill Payments 53% 24.37 1.79 Jan - Sep 22 27#28Meezan Roshan Digital Account (RDA) Meezan ROSHAN DIGITAL BUR ACCOUNT دور رہ کر بھی یا پاک BANK Meezan Bank The Premier Islamic Bank An Initiative of State Bank of Pakistan Roshan Digital Account Simplified Digital Account Opening for Overseas Pakistanis Convenient & Riba-free Meezan Roshan Digital Account is an initiative led by the State Bank of Pakistan (SBP) for the ease of millions of Non-Resident Pakistanis (NRPs) residing across the world. It enables overseas Pakistanis to open a bank account digitally from anywhere outside Pakistan without ever visiting a branch and remit money into the account. 28#29Meezan Roshan Digital Journey BANK Meezan Bank The Premier Islamic Bank ✓ Remittances received through RDA ~ USD 1.3+ Bn (~25% of the industry) ✪ 1st Bank to Issue Islamic Naya Pakistan Certificate 1st Bank to Disburse Roshan Apna Ghar Financing 1st Bank to Disburse Roshan Apni Car Financing Provide Shariah Compliant Stock Trading Portfolio Provide e-IPS Facility 29#3016% 13,072 80,539 Jan-21 Feb-21 17% 17% 24% 24% 23% Roshan Digital Meezan vs Industry 2021 - 2022 23% 22% རིང་རིན་རོས་པོའུ་ Jan-21 Feb-21 283 1,252 22% 339 1,562 Mar-21 Apr-21 May-21 Jun-21 22% 407 1,869 Jul-21 22% 468 2,114 Aug-21 22% 533 2,411 Sep-21 I Meezan Funds Received 22% 591 2,677 Oct-21 22% 649 2,916 Nov-21 711 3,160 Dec-21 Industry Funds Received 15,575 94,212 18,492 110,222 21,455 124,937 Mar-21 Apr-21 May-21 17% 17% 17% 26,928 156,074 31,734 181,556 35,487 Jun-21 Jul-21 199,747 39,381 18% 18% 18% 18% 220,806 44,253 248,723 47,919 273,411 17% Accounts Opened 51,466 55,293 299,676 17% 322,463 Aug-21 I Meezan # of A/C Opened Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Industry # of A/C Opened 17% 17% 58,865 342,611 17% 62,080 365,182 66,060 68,648 Funds Received in RDA 23% 766 23% 3,382 824 23% 3,632 895 23% 3,922 16 23% 961 4,167 1,010 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Meezan Share in Funds Received 388,494 17% 70,996 403,750 17% 416,837 429,364 Feb-22 Mar-22 Meezan Share in A/Cs Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 441,344 23% 4,356 1,067 23% 1,117 4,606 23% (Cumulative amount in USD million) 4,794 24% 24% 1,180 4,981 Jul-22 Aug-22 Sep-22 (Cumulative # of accounts) 456,732 472,023 1,230 5,149 17% 73,002 17% 74,733 17% 77,266 17% 79,334 - 17% of RDA accounts opened in industry comes from Meezan Bank 30 Meezan Bank The Premier Islamic Bank BANK - On average Meezan Bank's share is 25% in funds received through RDA and accounts for 45% of investments in INPC#31ESG Initiatives 31#32* Environmental, Social and Governance Initiatives Meezan Bank BANY K The Premier Islamic Bank The Bank is supporting the United Nations Sustainable Development Goals (SDG) to support its ESG initiatives Environmental Access to affordable, reliable, sustainable and modern energy for masses and climate action measures Solar Financing to Consumer and SME, Bank remains committed to promoting and leading green energy Conversion of 140KW at HO and 59 branches to clean solar energy Reduction of 312,000 kgs of CO2 Financial Inclusion through Farmers Literacy Program Clean Water and Sanitation Running various pilot project for energy conservation across the bank using Al Social COVID-19 Vaccination Drives - Bank in collaboration with the Provincial Government, established two vaccination centers and mobile vaccination vans while also vaccinating all staff Quality education - Conducted 75 Islamic banking seminars and workshops attended by 5,500+ participants. Bank extended Islamic Refinance Facility for wages and salaries to Corporate/SME customers to safeguard the workforce/labor from being laid off during the pandemic Digital Leadership, Highest e-com spend, largest funds received through IBFT, 2nd largest Bank in sending funds through IBFT Focus on Employee Development 32#33Distribution of Value Created by the Bank BANK Meezan Bank The Premier Islamic Bank In fulfilling our promise to our stakeholders, Meezan Bank distributes the value created in relevant and meaningful ways - and for some stakeholders, beyond financial means. Stakeholders receive intangible benefits ranging from employee upskilling programmes to diverse avenues of alternate Shariah-compliant investments & financings, in our effort to 'Establish Islamic Banking as banking of first choice...' To the Economy 17.9% Rs 20,080 Million A total of Rs 20,080 Mn in Income Tax & Workers Welfare Fund to Government, contributing to the development of the country's economy To Depositors/ Financial Institutions 36.7% Rs 41,151 Mn Profit paid to depositors and financial institutions To our Shareholders 10.4% Rs 11,636 Mn We rewarded our equity shareholders with a cash dividend of Rs 6 (60%) per share and bonus shares at 15% ན To our Employees 17.6% Rs 19,660 Mn Salaries, allowances & other benefits to Bank's employees amounted to Rs 19,660 Mn To Expansion 17.4% Rs 19,493 Mn Depreciation & amortization - owned assets retained in business To Society Donations to promote development and welfare of the society As of 31st Dec 2021 33#34مدلله BEST BANK OF PAKISTAN Meezan as an Investment Opportunity CFA Society Pakistan MEEZAN BANK LIMITED Best Bank 2020 Large Size Banks CFA Society Pakistan MEEZAN BANK LIMITED Best Islamic Bank 2020 BEST BANK 2020 BEST BANK 2018 ME ANK Meezan Bank The Premier Islamic Bank 34#35Meezan as an Investment Opportunity پیر - The Best Performing Banking Stock over five years (Dec 2021) E Highest ROE in the Banking Industry for the last 5 years averaging more than 30% (Sep 2022) - Highest Market Capitilisation among banks in Pakistan - Highest Price to Book ratio among other Pakistani Banks (Jun 2022) - The Youngest AAA rated Bank in Pakistan - Profit After Tax: Rs 28.6 bn (YTD Sep 2022) VS RS 19.6 bn (YTD Sep 2021) YoY growth of 46% Meezan Bank The Premier Islamic Bank BANK Gross Financings standing at Rs. 873 Bn with 1.5% infection ratio (Sep 2022) - Strong NPL Coverage Ratio of 154% (Sep 2022) C-5th largest in terms of Domestic Deposits in Pakistan (June 2022) ✓ - Highest Deposit Growth in the Industry over the years. ། - 940 Branches across Pakistan in 300+ cities (Sep 2022) - Clear Market Leader - holds 32.3% deposit share of Pakistan's Islamic Banking Industry (Jun 2022) 35#36Strategic Priorities BANK Meezan Bank The Premier Islamic Bank Continuing the growth momentum by focusing on CASA mobilization (YTD Sep: 83%) and Advances growth without compromising the Credit Quality Digitally Transforming the Bank with continued expansion of physical branch footprint (38 branches opened in 2022) Promoting Financial Inclusion in unbanked and underserved areas of the country by Leveraging Technology and providing Best in Class Service Being the Thought Leader in Islamic Banking product development and ensuring Highest Shariah Compliance Using Big Data Analytics and Artificial Intelligence for targeted market penetration 36#37Thank You BANK Meezan Bank The Premier Islamic Bank 37