Investor Presentaiton

HBL 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

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