Investor Presentaiton

Enabling quick and convenient e-commerce transactions Payment Gateway Card, Account & Wallet based Tap & Pay (mobile POS) Card based Customer Segment VISA UnionPay FIREX VISA MasterCard PayPak Global Card schemes, 19 banks MasterCard Global Card schemes Partners Category Value Addition Ο ΑΡΙ HBL APIS Merchants from 40+ business lines Enabling e-commerce Cash on Delivery businesses Digitizing Last Mile payments for Payments on Delivery customers 650+ Merchants 13% 31% Merchant Market Share PKR Value Market Share Daraz 700+ Daraz Riders using Tap & Pay Enabling ecosystem integration and collaboration to future-proof the bank 150+ Paramedics using Tap & Pay • Direct Transfer - Merchant Payments • Bill Payments . Direct Transfer – Merchant Payments from Other Bank Accounts • Corporate Payments . - MTO Remittances • Government to People Payments 14

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