Investor Presentaiton

Soundness Indicators Capital Adequacy 21% 19% 17% 15% 13% 11% 9% 7% 5% 2017 2018 2019 2020 Mar-21 Jun-21 Tier I Total Tier I Req Total Req HNB continued to be among the best capitalized in the industry CAR Tier I : 15.3% CAR Total: 18.4% Inclusion of Rs 7Bn Sub debt raised in July will boost Tier II capital further LCR (All Currency) - 274% Loan to Deposit Liquidity (SLAR) 100% 96.46% 95.30% 95% 92.59% 45% 90% 40% 85% 84.16% 35% 81.15% 81.24% 80% 30% 75% 25% 70% 20% 65% 15% 60% 10% 55% 5% 50% 0% 2017 2018 2019 2020 Mar-21 Jun-21 2017 2018 2019 2020 Mar-21 Jun-21 Liquidity Req Min

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