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Investor Presentaiton

Lending Portfolio continues to hold ground in a turbulent macro-economic environment Loan Portfolio composition by line of business Others 5% International Loan Portfolio – Location wise - Others 2% 6.3% Mar'21 HBL Maldives 5% Sri Lanka 1% International 19% Bangladesh 4% China Corporate 40% 7% HBLMFB 6% Rs 1,714 Billion Singapore 5% $ 1,148 Million Islamic 12% Agriculture 3% Consumer 6% Commercial Retail Lending 5% 4% NPLs reducing in real terms. Infection ratio up to 5.5% due to decline in lending 5.8% 5.5% Bahrain 24% UAE 21% UK 31% Specific coverage now at 86% and total coverage > 100% Rs in Bn 104% 100% 101% 101% 101% 100% 104% 90% 87% 87% 87% 86% 85% 86% 5.5% 5.4% 81 84 86 86 89 90 92 93 91 92 101 101 100 103 5.2% 5.1% 5.1% 5.1% 4.8% Dec'21 Mar'22 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 NPL Jun'22 Provision held Sep'22 Dec'22 Coverage Mar'23 Specific Coverage Jun'23 8

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