Investor Presentaiton

HBL Mobile – Empowering customers globally 2016 2023 HBL Mobile Countries C Customer Segments • • Mobile Payments Utility Bills • Credit Card Payment Funds Transfers Account & Credit Card Statements • Android & iOS Apps HBL BANK Conventional Islamic Prestige Support For Businesses 60 Corporate Payment Payoneer Edu Payment Tax Payment Lending & Investment Products QR Payment Key Metrics Users (Mn.) 123% 3.1 2.6 Financial Txn. & Service Requests (Mn.) 286 ↑50% 428 PKR Value (Tn.) ↑117% 2.0 0.9 P Financial Transactions Per User RDA Loans Car Loans Credit Cards Term Deposit Support for Individuals Mutual Funds Insurance 35 ↑20% 42 Raast - RAAST Bill Payments Account Certificates & Statements CNIC Update Lifestyle Features go Travel Lifestyle News Donations 26% Daily Engagement ↑18% 31% No. of days logged in 7.9 ↑18% 9.3 H1 2022 H1 2023 13

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