Investor Presentaiton

HBL 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

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