Investor Presentaiton

Key Performance Metrics Slowdown in credit demand softens ADR to 46.4% CAR-recovered to above Dec'22 level supported by profitability Dom Group Equity Tier 1 CAR 51.4% 17.2% 50.9% 49.3% 16.2% 15.4% 15.6% 49.0% 44.6% 43.3% 44.1% 42.1% 46.4% 14.8% 15.2% 13.5% 13.5% 12.0% 12.5% 12.3% 11.8% 11.9% 10.7% NIM - backloaded steep policy rate hike in Q1'23 kept NIMs flat - should trend up in Q3'23 →Yield on EA COF ―NIM 17.4% 15.5% 14.2% 13.1% 11.3% 10.3% 8.8% 8.3% 10.6% 8.7% 7.7% 8.0% 6.3% 47.4% 49.4% 5.3% 44.6% 47.0% 327 3.9% 37.7% 39.0% 40.4% 43.5% 265 284 285 294 4.2% 6.8% 6.9% 6.2% 39.5% 199 225 5.4% 5.0% 4.6% 4.9% 4.5% Jun'21 Sep'21 Dec'21 Mar'22 Jun 22 Sep 22 Dec'22 Mar'23 Jun'23 Dec'18 Cost to income ratio – impacted by inflation and - devaluation impact Dom 76.2% 73.5% Group Dec'19 Dec'20 Dec'21 Dec'22 Mar'23 Jun'23 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 ROA & ROE - Strong profitability boosts returns ROE -ROA Revaluation of assets and strong profitability supports Book Value Rs in Bn Total Equity BVPS 223 186 192 193 191 187 192 194 201 178 17.5% 58.8% 57.3% 58.5% 57.5% 14.4% 14.6% 12.7% 57.1% 55.7% 7.1% 8.1% 46.3% 51.1% 51.1% 46.2% 1.10% 0.87% 0.87% 0.77% 0.43% 0.50% FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 HBL 327 262 273 281 284 280 274 282 285 294 Mar 21 Jun 21 Sep'21 Dec'21 Mar'22 Jun '22 Sep'22 Dec'22 Mar 23 Jun 23

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