#1لحَمدُ لِله BEST BANK OF PAKISTAN BEST BANK 2018 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 ME BANK Meezan Bank The Premier Islamic Bank 1#2Meezan's Profile ME EZ AN BANK Meezan Bank 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. Within a span of 20 years Meezan Bank has achieved many milestones below are few highlights; 4th Largest Bank in Pakistan in terms of Deposits and the Largest Islamic Bank in the country I Highest Credit Rating Medium to Long term AAA Short term A1+ Designated Systemically Important Bank (D-SIB) Categorizied by the State Bank of Pakistan 902 Branches across Pakistan In 290 cities. Over 3 million Customers Deposits Rs 1.46 trillion (US $ 8.3 Bn) with growth of 16% Profit after Tax Rs 28.4 billion (US $ 161 Mn) 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 IIII 2#3BANK AN Meezan Bank The Premier Islamic Bank 28.4 7 2.1% Market Share: 7.5% Rs in Bn CY02 CY03 CY04 CY05 I CY06 CY07 CY17 Non Performing Loans 6 Gross Financing has increased by 46%, whereas NPLs & Infection ratio has declined CY08 CY09 902 815 760 660 571 601 7 9 15 14 CY18 CY19 Advances CY20 -Infection Ratio CY21 CY16 CY17 CY18 Branch Network CY 19 CY 20 CY 21 Branches opened Gross Financing & Infection Ratio 2016 - 2021 777 351 New Branches Added 100 59 2.8% 522 532 507 30 20 429 1.5% 320 1.3% 1.9% 1.8% CY10 CY11 CY12 CY13 CY14 CY15 CY16 CY17 CY18 CY19 Market Share of Deposits 7% CAGR Since Inception 35% 933 785 667 559 468 379 US $ 28 Mn 288 5 8 14 23 34 55 70 100 131 169 230 Key Performance Indicators (1/2) Rs in Bn Deposit Growth Since Inception Fastest Bank to Cross Trillion Rupees Deposits CY20 CY21 87 55 15.2 9.0 6.3 5.6 4.6 5.0 US $ 126 mn US $ 161 mn 3.4 3.5 4.0 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Branch Network in 290 cities US $ 8.3 Bn Rs in Bn 1,456 1,254 Profit After Tax 2011 - 2021 Last three years average growth in PAT 48% 22.2 CY16 3#4Key Performance Indicators (2/2) 23.8% 19.6% 19.3% ROE - % 36.4% 34.6% 30.7% EPS - on enhanced Share Capital of Rs 16.27 bn - Rs 1.0% 0.9% 0.9% BANY K Meezan Bank The Premier Islamic Bank ROA - % 1.7% 1.7% 1.5% CY16 CY17 CY18 CY19 CY20 CY21 CY16 CY17 CY18 CY19 CY20 CY21 9.4 5.5 3.4 3.9 13.6 CY16 CY17 CY18 CY19 CY20 CY21 17.4 MEBL Stock Price Aug'16: Rs 33.93 Feb'22: Rs. 139.40 Aug-16 Oct-16 Dec-16 Feb-17 Meezan Bank Stock Performance Apr-17 Jun-17 Aug-17 Oct-17 Dec-17 Feb-18 Apr-18 Jun-18 Aug-18 Oct-18 Dec-18 Feb-19 Apr-19 Jun-19 Aug-19 Oct-19 Dec-19 Feb-20 Apr-20 Jun-20 Aug-20 Oct-20 Dec-20 Feb-21 Meezan Bank KSE 100 Index Apr-21 Jun-21 Aug-21 Oct-21 Dec-21 Feb-22 4#5Strategic Priorities BANY K AN Meezan Bank The Premier Islamic Bank Continuing the growth momentum by focusing on CASA mobilisation (2021: 83%) and Advances growth without compromising the credit quality Digitally transforming the Bank with continued expansion of physical branch footprint (87 branches opened in 2021) Promoting financial inclusion in unbanked and underserved areas of the country by leveraging technology and providing best in class service Being the thought leaders in Islamic Banking product development and ensuring highest Shariah standards Using Big Data Analytics and Artificial Intelligence for targeted market penetration 5#6Environmental, Social, and Governance Initiatives BANK Meezan Bank 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 All 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 6#7Meezan as an Investment Opportunity پیر - The Best Performing Banking Stock over five years で Highest ROE in the Banking Industry for the past 3 years Averaging 30% - Highest Market Capitilisation among banks in Pakistan -Highest Price to Book ratio among other Pakistani Banks - The Youngest AAA rated Bank in Pakistan Profit After Tax 2021: Rs 28.4 bn ($ 161 mn) vs Rs 22.2 bn ($126 mn) growth of 28% Gross Financings five-year CAGR of 19.8% - highest among peer banks - Strong NPL Coverage Ratio of 133% 4th largest in terms of Deposits in Pakistan (2021) ✓ - Highest Deposit Growth in the Industry during 2020 ☑ - - 902 Branches across Pakistan in 290 cities Clear Market Leader - holds 35% deposit share of Pakistan's Islamic Banking Industry LAN BANY K Meezan Bank The Premier Islamic Bank 7#8OF Awards and Recognitions TATE OF BANK AN FEDERATION CFP EMPLOYER PAKIST ROSHAN DIGITAL ACCOUNT 1950 PAKISTAN دور رہ کر بھی پا An Initiative of State Bank of Pakistan IFFSA ISLAMIC FINANCE FORUM OF SOUTH ASIA BANY K AN 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