Investor Presentaiton

HBL 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

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