#1HBL More than just a bank HBL Habib Bank Limited H1'23 Performance 2nd August, 2023#2HBL continues to lead the pack across most metrics Expanding Reach #1 Touchpoints #1 Branch Network #1 ATMs #1 Konnect Agents #1 POS Terminals QR Codes IIIII 1,758 ATM 2,291 55,121 46,514 47,032 8 152,714 Дод Contributing to development #1 Agri Finance #1 #1 SME Finance #1 Employee Banking Transaction Banking Rs. 50 Bn Rs. 79 Bn 2.6Mn Salary Accounts 8,500+ Mandates 17.5% 31.6% 36% Collections Business Payments 28.5% 34.1% Market share Market share Market share* Financial Stability #1 Customers Served #1 Advances #1 Rs. 1.7 T Deposits Rs. 3.7 T اشتها 36 Mn+ 11.3% 12.1% Market share Market share HBL *Market Share as of December 2022 Market share* Market share* #1 Assets Rs. 4.95 T 2#3Customers HBL continues its momentum in areas of strategic focus 1 Non-branch channels drive customer growth -2.9 million customers added.... 2 ...and we continue to digitize more and more transactions 3 Consumer lending holding up against macro headwinds 9% growth Digital Counter 33.4 M Dec'22 36.3 M Rs 122 B Jun'23 334 Mn 358 Mn 468 Mn 568 Mn 166 Mn 170 Mn Rs 122 B Jun'23 Dec'22 20% 16% 14.3% 12.9% 26% 37% Branches 12.3 12.1* #1 #1 $ #1 Konnect 8.3 9.3 74% 80% 84% 85.7% 87.1% 63% HMFB 3.4 3.8 Portfolio Rs0.4bn Rs4bn Rs3.3bn ⭑Rs0.4bn Rs 45bn Rs 37bn Rs27bn Rs13bn Personal Auto Cards Mortgage G2P 9.4 11.1 2019 2020 2021 2022 Q1'23 4 Cards base 8.4Mn. 1/3 of country's credit card volume / spend are on HBL 5 Trade Volumes - Domestic share rebounds Q2'23 6 Largest consumer book in the sector Remittance market share recovered >10% Rs in B Our Card Spend Our POS Spend HBL Credit Card HBL Debit Card 197 35% growth 50% growth 131 113 162 79 120 84 52 Overseas Exports Imports $ 927 M 36% increase $ 1,257 M 7.9% 11.8% $ 883 M 6% increase $ 936 M 13.7% Q1'23 12.9% Q1'23 $1,153 M 11% decrease Q2'23 $ 1,030 M Q2'23 Market share Volumes 4% increase $ 637 M $ 663 M Q1'23 Q2'23 9.93% Q1'23 10.20% Q2'23 H1'22 H1'23 H1'22 H1'23 HBL *0.5 M unclaimed accounts surrendered to SBP in Apr 23#4HBL Digital - Throughput up 40% YoY to Rs 8.7T Digital throughput composition 2,023 989 Rs in B Konnect - Total volumes up 71% YoY Konnect Vol (Rs B) □ G2P Vol (Rs B) MB/IB - Growing user base(>3.4m) and ticket size have more than doubled HBL Pay Checkout - Higher ticket size drives volume growth volumes Trans. Vol (Rs B) -Trans. Count (M) Trans. Vol (Rs B) 493 Trans. Count (M) 2.6 88 493 4,817 184 2.3 162 197 289 63% growth 55 55 113 Volumes 2,023 Volumes 19.8 309 up +117% up 15% 176 76% growth 932 17.3 TEB MB/IB ATM Konnect Cards POS H1'22 Cash management - Throughput up 20% to Rs 7.1T, digital transactions up to 68% H1'23 H1'22 H1'23 H1'22 H1'23 Monthly Active Users* Konnect App: 14.1% Monthly Active Users* Mobile: 77% HBL SymphonyⓇ - Fixed income portal - volumes now picking up after Q4'22 launch Volumes ($ B) Digital '000s '000s Payments Collections 9% growth Active □ Inactive ■ Active Inactive Rs 793 B H1’22 Rs 867 B H1’23 3,129 3,003 2,845 2,647 712 25% growth 687 Rs 3,163 B H1’22 Rs 3,951 B 2,581 H1’23 2,283 2,158 18% growth OTC Rs 1,966 B HBL H1’22 Rs 2,317 B H1’23 Volumes up +488% 94 94 16 364 422 Dec'22 Jun'23 Dec'22 Jun'23 Q1'23 Q2'23 *Login past 90 days 2,417 4#5Independent Recognition - A testament to HBL's continued endeavors to raise the bar 2023 Banking Awards A BEST BANK AWARDS 2023 ASIAMONEY Best Domestic Bank Best Bank for Digital Solutions WORLD FINANCE BANKING AWARDS *GO BAN PAN FINANCE AWARD WINNER 2023 PDA LOBAL BANKING & FINANCES AWARDS 2 3 AWARDS Most Innovative Bank in Asia Excellence in Digital Transformation Best Digital Payment Processor AWARDS A & FINANCE ■ Best Project Finance Bank Pakistan 2023 ■ Best Infrastructure Project Finance Deal ■ Best Syndicated Loan Deal of Pakistan ◉ Largest Power Project Deal of Pakistan ■ Best Telecom Deal of Pakistan ■ Best Infrastructure Project Finance Deal of Pakistan FinanceAsia AWARDS 2023 WORLD FINANCE ISLAMIC FINANCE AWARDS 2023 Business awards 2023 BANKING & FINANCE Best Investment Bank ☐ Analytics Initiative of the Year ■ Digital Business Banking Initiative of the Year in Pakistan " ◉ Digital Consumer Banking Initiative of the Year in Pakistan Domestic Cash Management Bank of the Year in Pakistan ■ Domestic Project Finance Bank of the Year ◉ Corporate & Investment Bank of the Year Equity Deal of the Year Pakistan. ◉ Mergers & Acquisition Deal of the year INVESTMENT BEST BANK AWARD 2023 GLOBAL FINANCE ASSET AS ASIAN AWARDS THE Asset ISLAMIC +1 FINANCE BANKING ON EQUALITY برابری پربینکاری HBL ranked #1 HBLMFB ranked #2 SUSTAINABLE *TRIPLE A A THE Asset: ADS 2023 ASTRUCTURE FRASTRU Project Finance House of the Year ■ Telecom Deal of the Year ■ Private Public Partnership (PPP) Deal of the Year Best Structured Finance Deal EUROMONEY AWARDS FOR EXCELLENCE 2022 PAKISTAN BANKING AWARDS CFA Society Pakistan HBL Best Bank in Pakistan PAKISTAN BANKING AWARDS Best Microfinance Bank Best bank & other awards effie AWARDS PAKISTAN Best Social Media Marketing Campaign Global Diversity & Inclusion Benchmarks Most Inclusive Organization in 2022 HBL is the only bank to win an award in all 15 categories THEI PAKISTAN BANKING AWARDS Best Bank for Agriculture Financing 5#6Loan trajectory reflects slowdown in a challenging macro landscape Deposits increased by 6.5%... with increase in Current deposits INT DOM Rs in B INT DOM 3,693 3,469 507 428 3,041 3,186 1,469 1,397 191 176 1,221 1,278 Rs in B Deposits ➤ Total domestic deposits grew to Rs 3.2T, increasing by 4.7% from Dec'22 growth entirely from low-cost deposits. - Domestic current deposits up to Rs 1.3b; CA mix at 40.1%. ➤ Average domestic deposits of Rs 3.0T are Rs 315B higher than H1'22. Low-cost deposits contributed 91% of growth (Current: Rs 134 B, low-cost savings: Rs 152 B). Dec'22 Jun'23 Average domestic deposits up by 11.9% (~Rs 300b) to Rs 2.95T Dec'22 Jun'23 Advances declined to Rs 1.7T amid slowdown Rs in B Advances INT DOM 3,509 3,036 494 336 Rs in B INT DOM 1,782 1,714 279 328 3,016 2,701 1,503 1,386 6M'22 6M'23 Dec'22 Jun'23 HBL Due to economic slowdown, domestic advances decreased over Dec'22 by 7.8% to Rs 1.4T. Due to the economic slowdown, domestic advances decreased over Dec'22 to Rs 1.4T. ➤ Decline mainly in corporate commercial lending. Agri / Consumer holding steady. ➤ Overseas advances at $1.2 B are $86 M down from Dec'22.#7Highest ever quarter with Q2'23 PBT > Rs 30B. H1'23 PBT up 49% to Rs 51.5b Rs in B 34.6 Group Core domestic business International Rs in B $ in M PBT up by 49% to Rs 51.5b. 51.5 PBT/LBT Operating Profit 38.3 H1'22 H1'23 Double digit revenue growth driven by strong growth in both H1'22 NII up 53% YoY to Rs 96.6b on NIM expansion NII and NFI 122.5 Rs in B 83.6 Rs in B 63.1 62.5 H1'23 3.9 (0.5) (5.5) H1'22 H1'23 14.4 Core domestic PBT of Rs 62.5b is up 63% YoY The International franchise delivered PBT of $ 4.7m compared to $ 0.8m due to considerable improvement in operating performance Fees continue strong momentum, up 31% to Rs 15.9b Admin. Expenses - up 30% to Rs 56.6b amid high inflation. Provisions have increased by Rs 1.5b YoY Rs in B 96.6 12.1 15.9 Rs in B 43.4 Rs in B 56.6 0.9 2.3 H1'22 H1'23 Revenue up 46% to Rs 122.5b, Rs 21b. HBL H1'22 H1'23 ➤ Average balance sheet Rs 460b higher than H1'22. NIMS improved by 191bps. H1'22 H1'23 Cards fee up 50%, contributing >60% of growth. Double-digit growth in Trade, Consumer Finance, Cash Management. H1'22 H1'23 FX impact on $ based expenses: Rs 2.0b. H1'22 H1'23 Provisions higher than H1'22 purely because of additional general provisions. 7#8Lending Portfolio continues to hold ground in a turbulent macro-economic environment Loan Portfolio composition by line of business Others 5% International Loan Portfolio – Location wise - Others 2% 6.3% Mar'21 HBL Maldives 5% Sri Lanka 1% International 19% Bangladesh 4% China Corporate 40% 7% HBLMFB 6% Rs 1,714 Billion Singapore 5% $ 1,148 Million Islamic 12% Agriculture 3% Consumer 6% Commercial Retail Lending 5% 4% NPLs reducing in real terms. Infection ratio up to 5.5% due to decline in lending 5.8% 5.5% Bahrain 24% UAE 21% UK 31% Specific coverage now at 86% and total coverage > 100% Rs in Bn 104% 100% 101% 101% 101% 100% 104% 90% 87% 87% 87% 86% 85% 86% 5.5% 5.4% 81 84 86 86 89 90 92 93 91 92 101 101 100 103 5.2% 5.1% 5.1% 5.1% 4.8% Dec'21 Mar'22 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 NPL Jun'22 Provision held Sep'22 Dec'22 Coverage Mar'23 Specific Coverage Jun'23 8#9Key Performance Metrics Slowdown in credit demand softens ADR to 46.4% CAR-recovered to above Dec'22 level supported by profitability Dom Group Equity Tier 1 CAR 51.4% 17.2% 50.9% 49.3% 16.2% 15.4% 15.6% 49.0% 44.6% 43.3% 44.1% 42.1% 46.4% 14.8% 15.2% 13.5% 13.5% 12.0% 12.5% 12.3% 11.8% 11.9% 10.7% NIM - backloaded steep policy rate hike in Q1'23 kept NIMs flat - should trend up in Q3'23 →Yield on EA COF ―NIM 17.4% 15.5% 14.2% 13.1% 11.3% 10.3% 8.8% 8.3% 10.6% 8.7% 7.7% 8.0% 6.3% 47.4% 49.4% 5.3% 44.6% 47.0% 327 3.9% 37.7% 39.0% 40.4% 43.5% 265 284 285 294 4.2% 6.8% 6.9% 6.2% 39.5% 199 225 5.4% 5.0% 4.6% 4.9% 4.5% Jun'21 Sep'21 Dec'21 Mar'22 Jun 22 Sep 22 Dec'22 Mar'23 Jun'23 Dec'18 Cost to income ratio – impacted by inflation and - devaluation impact Dom 76.2% 73.5% Group Dec'19 Dec'20 Dec'21 Dec'22 Mar'23 Jun'23 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 ROA & ROE - Strong profitability boosts returns ROE -ROA Revaluation of assets and strong profitability supports Book Value Rs in Bn Total Equity BVPS 223 186 192 193 191 187 192 194 201 178 17.5% 58.8% 57.3% 58.5% 57.5% 14.4% 14.6% 12.7% 57.1% 55.7% 7.1% 8.1% 46.3% 51.1% 51.1% 46.2% 1.10% 0.87% 0.87% 0.77% 0.43% 0.50% FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 HBL 327 262 273 281 284 280 274 282 285 294 Mar 21 Jun 21 Sep'21 Dec'21 Mar'22 Jun '22 Sep'22 Dec'22 Mar 23 Jun 23#10HBL HBL KEY BUSINESS UPDATES 189 Konnect New to App SION UF HBL MICROFINANCE BANK ائیکروفنانس بینک 10#11Konnect - the Torch Bearer of Financial Inclusion* Account Services Salary BANK III Current 9.3Mn Home Remittance HBL Saving ↑ Payments TICKET Fund Transfer Bill Payment Utility | Mobile Top-Up Tickets Air | Bus | Movie | Sports Entertainment Food | Fashion Islamic Debit Cards Pension • • Digital Lending Small ticket (<50K), short tenor (1-4 weeks) algorithmic lending. Targeted at the most vulnerable with short term cash-bridging needs Pilot completed successfully. Commercial launch planned in August. Konnect by HBL App Users 3.0 Mn QR Insurance Health | Life | Travel Konnect - Total volumes up 71% YoY Konnect Vol (Rs B) □ G2P Vol (Rs B) Collections Disbursement PKR 191 Bn Salary | Pension | BISP Education | Loan Repayment | Corporates | Distribution Collections Volume (Bn) - Up 3x 184 63% growth 200% 113 180 176 76% growth 309 60 H1'22 H1'23 H1'22 H1'23 Channels Konnect HEL Agents 46,000+ ATM ATMs 17,600+ Nationwide USSD No smartphone or internet access needed POS 112k+ machines Nationwide Branch 1,400+ 11#12A preferred partner to the government Rs 184 Bn+ Subsidy disbursed INCOME SUPPORT BISP PROGRAMME care K INTERNATIONAL RESCUE COMMITTEE RINCOME SUPPORT BISP 10.5 Mn+ Unique beneficiaries Social Sector BISP CARE International IRC Agri Sector Regular Punjab KPK Baluchistan HBL UN UNHCR The UN Refugee Agency UNHCR WFP WFP WHO BISP Wasleela-e-Taleem Seed Waseela-e-taleem (Education) BISP Waseela e Taleem Regular Konnect by HBL Wheat Benazir بینظیر انکم سپورٹ پروگرام تغیر کنات کی انسان و اوت 2011 سے ان کو +) میں نوری کی گئی ہے۔ اگر آپ سے ہے کہ تھی، کناف ان تمہیں احاطہ کیا اور کسی سوال کر سکتے ہیں 20000026437#13HBL Mobile – Empowering customers globally 2016 2023 HBL Mobile Countries C Customer Segments • • Mobile Payments Utility Bills • Credit Card Payment Funds Transfers Account & Credit Card Statements • Android & iOS Apps HBL BANK Conventional Islamic Prestige Support For Businesses 60 Corporate Payment Payoneer Edu Payment Tax Payment Lending & Investment Products QR Payment Key Metrics Users (Mn.) 123% 3.1 2.6 Financial Txn. & Service Requests (Mn.) 286 ↑50% 428 PKR Value (Tn.) ↑117% 2.0 0.9 P Financial Transactions Per User RDA Loans Car Loans Credit Cards Term Deposit Support for Individuals Mutual Funds Insurance 35 ↑20% 42 Raast - RAAST Bill Payments Account Certificates & Statements CNIC Update Lifestyle Features go Travel Lifestyle News Donations 26% Daily Engagement ↑18% 31% No. of days logged in 7.9 ↑18% 9.3 H1 2022 H1 2023 13#14Enabling quick and convenient e-commerce transactions Payment Gateway Card, Account & Wallet based Tap & Pay (mobile POS) Card based Customer Segment VISA UnionPay FIREX VISA MasterCard PayPak Global Card schemes, 19 banks MasterCard Global Card schemes Partners Category Value Addition Ο ΑΡΙ HBL APIS Merchants from 40+ business lines Enabling e-commerce Cash on Delivery businesses Digitizing Last Mile payments for Payments on Delivery customers 650+ Merchants 13% 31% Merchant Market Share PKR Value Market Share Daraz 700+ Daraz Riders using Tap & Pay Enabling ecosystem integration and collaboration to future-proof the bank 150+ Paramedics using Tap & Pay • Direct Transfer - Merchant Payments • Bill Payments . Direct Transfer – Merchant Payments from Other Bank Accounts • Corporate Payments . - MTO Remittances • Government to People Payments 14#15Robotic Process Automation Driving Change KEY AUTOMATION THEMES RULE-BASED DECISIONING HBL DATA ENTRY Conversion of human judgment into business rules AML Alert Monitoring Basic Eligibility Check DBR Calculation Credit Decision Read Customer Request forms and reduce manual entry AML Data Preparation Customer Data Capture DATA EXTRACTIONS Bureau and third party system extractions/uploads Customer Tax Information Regulatory Report Submission e-CIB extraction SCREENING Customer screening against watchlists and internal systems International List Management Adverse Media Screening Name Screening ייים COMPLIANCE LOAN APPLICATION WORKSTREAMS OPERATIONS OPERATION SERVICES ACCOUNT SERVICES CREDIT ADMINISTRATION CONSUMER FINANCE FINANCE GOVERNANCE 15#16Leading Pakistan's agricultural landscape... Agriculture Value Chain Financing for businesses with linkages to agriculture eg processing units and cold storage 3 Bn+ Portfolio size in first 2 years Agriculture Portfolio (Rs. Bn) 99 97 HBL Market Share 74 45 49 55 33 33 36% 21 52 50 34 41 Greater than next 2 competitors combined 2020 2021 2022 Jun'23 OHBL OHBLMFB Innovative Agriculture solutions Invested in Naymat Collateral Management which accredits warehouses - enables better storage of produce and ability to finance against secure collateral ➤ 1st bank to fund Electronic Warehouse Receipt. 70% share of EWR financing for Maize Yield Insurance: This provides insurance to farmers in-case crop yields are impacted by climate events. Mobile App - Salesflo ➤ Agri field team provided with Handheld devices with 4G connectivity to digitally capture field visits Improved sales management & monitoring of field activities SBP Recognition HBL ranked #1 by SBP among large banks HBL MFB ranked #1 among microfinance banks Dairy & Livestock Financing 2K+ Dairy Farmers and 125K+ Animals financed Livestock loan insurance launched HBL 16#17HBL continues to innovate and transform farmers' lives... ...after a successful proof of concept in delivering Agri interventions, since 2020... Farmer count up 35X to 550 Princeton/Yale/CERP Portfolio volumes up 86x to Rs 1.3 Bn Impact Assessment Yield per acre 14% -118% Farmers' profit Previous model HBL Pay Handoffs 26 8 -14 Farmer Visits -6 Turnaround Time 12 2 -11 18 days 7 days HBL HBL PAY 60x growth in crop acres to 26,512 15%-611% Cross-functional team led by technologists and HBL agronomists Simplifying processes to reduce hand-offs from the time farmers open an account at their own farm to loan approval and disbursement. Tablet-based account opening at the farmer's premises 17#18..With HBL Zarai to play key role First of its kind Agri Extension Services subsidiary of HBL - to uplift & turnaround the agriculture landscape of Pakistan HBL's Role HBL Zarai's Role Farmer's handholding on production and off-take of the Banking facilities Equity and operational support Integration with customers and business verticals Benefits for the farmers High quality, competitively priced crop inputs at the doorstep through Zarai Deras Farm mechanization through pay-per-use model FERTILIZER Input Aggregation HBL Agronomy Mechanization produce Lynchpin of HBL Zarai - 55 Zarai Deras (distribution centers over 5 years Warehousing Creating an efficient marketplace for scientifically tested and graded Agriculture produce - connecting farmers directly with bulk buyers` MART E-Marketplace delivery Logistics Scientific agronomy advice tailored to their needs State of the art storage facilities to improve storability, avoid panic selling and facilitate leveraging of crops through EWR Improving efficiency across agri value chain 18#19HBL Microfinance - The Largest Microfinance Bank in Pakistan - from Pioneers to Leaders Largest network in GBC & Baluchistan Best Performing Bank for Gilgit-Baltistan & Baluchistan under the National Financial Literacy Program 31 Citi Micro-Entrepreneurship client recognition awards Largest housing portfolio in the microfinance industry (Rs. 31 billion) Taking the BANK to the CUSTOMER Customer Management Solution - in-house developed tablet-based solution Digital Onboarding Applications/Processing Customer Geo-Tagging Approvals C$ CMS Cashflow Analysis Collections Management Reports & Analysis HBL Credit Scoring Konnect by HBL Customer convenience for loan repayment through Konnect agents PayPak Largest issuer of PayPak debit cards in the industry for the last 4 years Deployed in 188 Locations In-house developed branchless banking system 1.7m wallets as of June 2023 LTD 8m transactions worth Rs 21 billion HBL Nano Loans - scorecard based instant lending LTD 111K disbursements worth Rs 630M First Pay First Pay Automated Data Population Realtime Biometric Verification CREDIE REPORT 88% of total YTD 2023 disbursements through CMS Workflow Management Loan officer Geo-Tracking Realtime Credit Bureau Connectivity Customer request to disbursement 90% within 48 Hours Customers Branch Network 17.9% Serving +3m 271 Branches Deposits 23.2% Advances 18.8% 22.6% 94 116 88 BANK 108 Dec'22 Jun 23 Dec'22 Loan (Rs Bn) -Market Share (%) Jun'23 Deposits (Rs Bn) Market Share (%) 19#20Microfinance – Changing Lives for the Better - Financial Stability 89% customers feel that they are more financially stable and empowered after taking a loan 590 Quality of Life 79% customers reported that their quality of life has been improved after taking loans from HBL MfB Improvement in Household 91% customers feel improvement in their household circumstances after taking loans from HBL MfB Social Stability 91% customers feel that they are more socially stable after taking a loan Business Growth 90% customers believed that they are able to meet their financial needs though business growth after taking loans from HBL MfB HBL Based on external survey 20#21ESG initiatives actively being deployed in our workstreams Reduce carbon footprint and mitigate risks Green House Gas Emissions Q1 = 10,400 MT of CO22 Reducing Own Emissions Solar Panels at 201 branches and 31 offsite ATMS Light Automation System for energy conservation Key Developments Scope-3 Construction, 3.01% Scope- 1Generator, 43.45% Scope-1 Vehicle, 2.44% Scope-2 Power consumption, 43.70% Scope-3 Travelling, 7.40% Initiatives & HBL firsts... NET ZERO Net Zero by 2030 Initiated journey to Net Zero by 2030 for scope 1 & 2 (Own Impact) Sustainability Summit held covering importance of sustainability and HBL's journey towards achieving Net Zero 858 Employees Trained on Environment & Social Risk Management Green Financing Renewable Energy Exposure of PKR 34bn Training session for Facility Management and janitorial staff to create awareness of energy conservation. 8% 24% 18% 50% Bagasse Hydro ■ Solar Wind Upgrade of SEMS Policy and SOP ⚫ESRM Process alignment with SBP ESRM Implementation Manual •Development of Green Finance Framework ⚫Bi-annual reporting to Board •Annual Capacity Building •Creation of Sustainability Forum Launched Second Impact and Sustainability Report Enriching Lives HBL PLASTIC CLARE Three-bin Waste Management arrangement implemented in certain high-value premises. Aga Khan Agency for Habitat (AKAH) AKAH energy audits completed in Lahore, Multan and Karachi. Suggested energy conservation measures being implemented in a phased manner. Initiated journey to become a signatory of PRB Principles of Responsible Banking WWF Green Office certification in process WWF for two pilot branches. 81,280 saplings, including mangroves, planted in Punjab, Baluchistan and Port Qasim, Karachi. HBL 21#22Giving back to the community HBL Initiatives CSR Corporate PKR 556 Mn Social Responsibility HBL Foundation Initiatives 2023 HBL Foundation crosses Rs 3 billion in giving GB AJK 2% KPK 9% 12% BALOCHISTAN 4% PUNJAB 12% DEVELOPMENT 5% EDUCATION 29% Rebuild & rehabilitate (Rs 126 Mn) Partnered with the Government of Pakistan to fund construction of 100 prefabricated houses in village in Sindh. National 45% HBL✰ Foundation DONATION HBL Philanthropic funding (Rs 420 Mn) HBL has increased its philanthropic funding to HBL Foundation to Rs 395Mn for H1'23. HBL also contributed directly to the plantation drive, Ramadan Relief drive and the Special Olympics. • • • • • • SINDH 16% HEALTH 61% Locations EMERGENCY RELIEF 5% Sectors Healthcare | Rs 2 Billion - benefitting ~10 Mn people Supported 149 non-profit and government organizations across Pakistan Cyberknife and tomotherapy machines for free cancer treatment to patients from all over the world Equipping hospitals with latest medical equipment Supporting surgical eye and nutritional camps in the remotest areas of Pakistan Education | Rs 0.9 Billion – benefiting >0.5 Mn students Supported 125 educational institutions in all provinces across Pakistan Established a pool of STEAM scholarships for girls from underserved communities Supporting management of government schools and equipping science and technology labs in the community run schools Community Development Support to other community development programs for long-term benefits such as installation of water pumps, emergency relief, provision of water filtration kits, and funding music and culture programs. HBL 22#23People and Community Bank with a Soul First of a kind move, increased service age of staff from 60 to 65 years Supported vulnerable and impacted population in flood affected areas. Flood relief to affected employees Cognizant of the current economic challenges HBL provided: - - Interest free motorcycle loan Electric Bikes at discounted rates Share Sawari - an in-house carpool app launched for employees to promote fuel saving & share travel costs Employee Volunteering Activities rolled out to promote a culture of giving back to the community - Blood donation drives, tree plantations, book drives, clean-up drives etc. HBL Employee Well-Being Engagement Survey repeated after a 3- year period. Response rate > 83%. Employee engagement score: 86% (2020 : 78%). 90% say they are Very Proud to work for HBL. Flexible work arrangement policy HBL Raabta - employee assistance program providing counselling and awareness sessions Day care allowance of Rs 10k for women employees with children up to 3 years. New leaves introduced: paternity, mourning and miscarriage. Health & Wellness Series for awareness of employees Talent Management & Development Leadership Excellence program for ExCO, GMs and Mid-level leaders launched As part of capacity building over 500,000 man-hours of training delivered HBL's Values Rating now part of annual performance evaluation with monetary impact to drive cultural change Collaboration with 15 universities to build future talent Promoting Art Promoting Pakistani art and artists through sponsoring exhibitions of internationally recognized artists Interactive Art Series to build awareness amongst employees and their children about our rich culture and promote art. Q Diversity HBL won 15 global awards for Diversity, Equity and Inclusion for the year 2022. SBP Banking on Equality: HBL ranked #1 HBL MFB Ranked #2 2005 +3% 2022 22% HBL Waapsi: Opportunity for women to restart professional careers after a break. Gender sensitization training /engagement sessions to increase awareness Inclusion Disability awareness trainings to facilitate inclusion of PWDs Sign language training to facilitate understanding and support PWDs (customers and employees) Accessible infrastructure / services - 1,200 branches with ramps, 400+ 'Talking' ATMs, Braille forms and stationery. Launched PWD-only internship / work experience programs PWDs grant facility of upto Rs100k for purchase of assistive devices 23#24Disclaimer HBL The information contained herein has been prepared by HBL for informational purposes. HBL relies on information obtained from sources believed to be reliable, but it makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, completeness of the information that is available in this presentation. This presentation, prepared for information purposes only, is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of HBL. These forward-looking statements include all matters that are not historical facts. The inclusion of such forward-looking information shall not be regarded as a representation by HBL or any other person that the objectives or plans of HBL will be achieved. Further the information contained herein is subject to change, completion or amendment without notice and HBL undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise 24