Investor Presentaiton

Konnect - 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

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