Habib Bank Limited

H1’23 Performance

2nd August, 2023

HBL continues to lead the pack across most metrics
Expanding #1
#1 Touchpoints #1 Branch Network ATMs #1 Konnect Agents #1 POS Terminals QR Codes
Reach

1,758 2,291 55,121 46,514 47,032

152,714

Contributing to #1 Agri Finance #1 SME Finance #1 Employee Banking #1 Transaction Banking

development
Rs. 50 Bn Rs. 79 Bn 2.6Mn Salary Accounts 8,500+ Mandates
Collections Business Payments
17.5% 31.6%
36% 28.5%
34.1%

Market share Market share Market share* Market share* Market share*

Financial #1 Customers Served #1 #1 #1

Advances Deposits Assets
Stability
Rs. 1.7 T Rs. 3.7 T Rs. 4.95 T
36 Mn+ 11.3% 12.1%

Market share Market share

*Market Share as of December 2022 2

 HBL continues its momentum in areas of strategic focus
Non-branch channels drive customer …and we continue to digitize more and Consumer lending holding up against
1 growth – 2.9 million customers added…. 2 more transactions
3 macro headwinds
Customers

9% growth Digital Counter

33.4 M 36.3 M Rs 122 B Rs 122 B
Dec’22 Jun’23 334 Mn 358 Mn 468 Mn 568 Mn 166 Mn 170 Mn Jun’23
Dec’22
20% 16% 14.3% 12.9%
26%
37%
Branches 12.3 12.1* #1 #1 #1

Konnect 8.3 9.3

Portfolio
80% 84% 85.7% 87.1% Rs3.3bn
74% Rs0.4bn Rs4bn Rs0.4bn
63%
HMFB 3.4 3.8 Rs 45bn Rs 37bn Rs 27bn Rs 13bn
Personal Auto Cards Mortgage
G2P 9.4 11.1 2019 2020 2021 2022 Q1'23 Q2'23
Largest consumer book in the sector
Cards base 8.4Mn. 1/3 of country’s Trade Volumes – Domestic share Remittance market share recovered
4 credit card volume / spend are on HBL
5 rebounds 6 >10%

Our Card Spend

Rs in B
Our POS Spend
Overseas Exports Imports
$ 927 M $ 1,257 M 4% increase

Volumes
HBL Credit Card 36% increase
HBL Debit Card 35% 7.9% 11.8% $ 637 M $ 663 M
197 growth Q1’23 Q2’23
50%
growth $ 883 M 6% increase $ 936 M
131 12.9% 13.7%
113 162
Q1’23 Q2’23
79 120

Market
9.93% 10.20%

share
11% decrease
52
84 $ 1,153 M $ 1,030 M Q1’23 Q2’23
Q1’23 Q2’23
H1'22 H1'23 H1'22 H1'23

*0.5 M unclaimed accounts surrendered to SBP in Apr’23 3

 HBL Digital – Throughput up 40% YoY to Rs 8.7T
Digital throughput composition Konnect – Total volumes up 71% YoY MB/IB – Growing user base(>3.4m) and HBL Pay Checkout – Higher ticket
ticket size have more than doubled size drives volume growth
Rs in B Konnect Vol (Rs B) G2P Vol (Rs B) volumes
2,023 60
0
Trans. Vol (Rs B) Trans. Count (M) Trans. Vol (Rs B) Trans. Count (M)
989 493 88
20 .5
2.6
50
0
20 .0 2.5

493
4,817
19 .5

40
0

184 2.3 2.0

289 63% 55 19 .0

162 197 30
0
growth 18 .5
1.5

20
0
113 Volumes 2,023
18 .0
Volumes 19.8
1.0

up +117%
17 .5
up 15%
76% 309 17 .0
10
0

176 growth 932 16 .5 17.3

0.5

TEB MB/IB ATM Konnect Cards POS 16 .0 -

H1'22 H1'23 H1'22 H1'23 H1'22 H1'23

Cash management – Throughput up 20%
to Rs 7.1T, digital transactions up to 68% Monthly Active Users* Monthly Active Users* HBL Symphony® - Fixed income
Konnect App : 14.1% Mobile : 77% portal - volumes now picking up after
Digital ‘000s Q4’22 launch
‘000s
Payments Collections

9% growth Active Inactive Active Inactive 12 Volumes ($ B) 120

Rs 793 B Rs 867 B
11

3,129
3,003 2,845
10 100

H1’22 H1’23 2,647 9

712
687
8 80

25% growth 7

Rs 3,163 B Rs 3,951 B 2,581

6 60

94
5

2,283 Volumes
H1’22 H1’23
2,158 2,417 4

3
up +488%
40

18% growth
20

364 422
1
16
Rs 1,966 B Rs 2,317 B
OTC

0 0

H1’22 H1’23 Dec'22 Jun'23 Dec'22 Jun'23 Q1'23 Q2'23

*Login past 90 days 4

Independent Recognition – A testament to HBL’s continued endeavors to raise the bar
2023 Banking Awards

Best Domestic Bank

Excellence in Digital Best Digital Payment HBL ranked #1
Best Bank for Digital Most Innovative
Transformation Processor Best Investment Bank HBLMFB ranked #2
Solutions Bank in Asia

Business awards 2023

▪ Analytics Initiative of the Year

▪ Best Project Finance Bank Pakistan 2023
▪ Best Infrastructure Project Finance Deal
▪ Best Syndicated Loan Deal of Pakistan
▪ Largest Power Project Deal of Pakistan
▪ Best Telecom Deal of Pakistan
▪ Best Infrastructure Project Finance Deal of Pakistan
▪ Digital Business Banking Initiative of the Year in Pakistan
▪ Digital Consumer Banking Initiative of the Year in Pakistan ▪ Project Finance House of the Year
▪ Domestic Cash Management Bank of the Year in Pakistan ▪ Telecom Deal of the Year
▪ Domestic Project Finance Bank of the Year
▪ Private Public Partnership (PPP) Deal of the
▪ Corporate & Investment Bank of the Year Year
▪ Equity Deal of the Year Pakistan. ▪ Best Structured Finance Deal
▪ Mergers & Acquisition Deal of the year

Best bank & other awards

Most Inclusive
Organization in 2022
CFA Society
Pakistan HBL is the only bank to win an
Best Social Media Marketing Best Bank for
award in all 15 categories
Best Bank in Pakistan Best Microfinance Bank Campaign Agriculture Financing

5
Loan trajectory reflects slowdown in a challenging macro landscape
Deposits increased by 6.5%... .. with increase in Current deposits
Deposits
INT
Rs in B INT Rs in B
DOM
DOM ➢ Total domestic deposits grew to Rs 3.2T, increasing by
3,693 1,469 4.7% from Dec’22 – growth entirely from low-cost
3,469 1,397 deposits.
507 191
176
428 ➢ Domestic current deposits up to Rs 1.3b; CA mix at
40.1%.
➢ Average domestic deposits of Rs 3.0T are Rs 315B
3,041 3,186 1,221 1,278 higher than H1’22. Low-cost deposits contributed 91%
of growth (Current : Rs 134 B, low-cost savings : Rs
152 B).
Dec'22 Jun'23 Dec'22 Jun'23

Average domestic deposits up by Advances declined to Rs 1.7T amid

11.9% (~Rs 300b) to Rs 2.95T slowdown Rs in B Advances
INT
Rs in B
INT ➢ Due to economic slowdown, domestic advances
DOM
DOM 1,782 decreased over Dec’22 by 7.8% to Rs 1.4T.
3,509 1,714
3,036 494 279 ➢ Due to the economic slowdown, domestic advances
336 328 decreased over Dec’22 to Rs 1.4T.
➢ Decline mainly in corporate / commercial lending. Agri /
Consumer holding steady.
3,016 1,503
2,701 1,386 ➢ Overseas advances at $1.2 B are $86 M down from
Dec’22.

6M'22 6M'23 Dec'22 Jun'23

6
Highest ever quarter with Q2’23 PBT > Rs 30B. H1’23 PBT up 49% to Rs 51.5b

Group Core domestic business International

Rs in B Rs in B $ in M PBT up by 49% to Rs 51.5b.
51.5 PBT/LBT Operating Profit
62.5
14.4
➢ Core domestic PBT of Rs 62.5b is up
34.6 63% YoY
38.3
3.9
➢ The International franchise delivered
(0.5) PBT of $ 4.7m compared to $ 0.8m
due to considerable improvement in
(5.5) operating performance
H1'22 H1'23 H1'22 H1'23 H1'22 H1'23

Double digit revenue growth NII up 53% YoY to Rs 96.6b Fees continue strong Admin. Expenses – up 30% to Provisions have increased
driven by strong growth in both on NIM expansion momentum, up 31% to Rs Rs 56.6b amid high inflation. by Rs 1.5b YoY
NII and NFI 15.9b
Rs in B Rs in B
122.5 Rs in B
Rs in B
56.6
96.6 15.9 Rs in B
43.4 2.3
83.6 12.1
63.1

0.9

H1'22 H1'23 H1'22 H1'23 H1'22 H1'23 H1'22 H1'23 H1'22 H1'23
Cards fee up 50%, contributing
➢ Average balance sheet Rs >60% of growth. Double-digit Provisions higher than H1’22
FX impact on $ based expenses:
Revenue up 46% to Rs 122.5b, 460b higher than H1’22. growth in Trade, Consumer purely because of additional
Rs 2.0b.
Rs 21b. ➢ NIMs improved by 191bps. Finance, Cash Management. general provisions.

7
Lending Portfolio continues to hold ground in a turbulent macro-economic environment
Loan Portfolio composition by line of business International Loan Portfolio – Location wise
Others
5% Maldives Sri Lanka Others
5% 1% 2%

International Bangladesh
19% 4% UK
China 31%
Corporate
40% 7%
Rs 1,714
$ 1,148
HBLMFB Billion Singapore
6% 5% Million

Islamic Agriculture
12% 3% Bahrain
Consumer 24% UAE
Commercial Retail Lending
6% 4% 21%
5%

NPLs reducing in real terms. Infection ratio up to 5.5% due to Specific coverage now at 86% and total coverage > 100%
decline in lending Rs in Bn
104% 100% 101% 101% 101% 100% 104%
100%

14 0

6.3%
12 0

90% 87% 87% 87% 86% 85% 86% 80%

10 0

5.8% 80
60%

5.5% 5.5% 60
40%

5.4%
89 90 92 93 91 92 101 101 100 103
40
81 84 86 86
5.2%
5.1% 5.1% 5.1% 20
20%

4.8% - 0%

Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23

Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 NPL Provision held Coverage Specific Coverage

8
 Key Performance Metrics
Slowdown in credit demand softens ADR to 46.4% CAR – recovered to above Dec’22 level supported by NIM – backloaded steep policy rate hike in Q1’23
profitability kept NIMs flat – should trend up in Q3’23
Dom Group Equity Tier 1 CAR Yield on EA CoF NIM
110.0%
17.4%
50.9% 51.4% 49.3% 5 00

16.2%
17.2% 18.5%

15.5%
10 0.0 %

15.4% 15.6% 15.2%

49.0% 46.4%
4 50
14.8% 16.5%
14.2%
13.5% 13.1%
90 .0%
44.6% 44.1% 13.5%
42.1% 43.3%
4 00

12.3%
14.5%

12.0% 12.5% 11.8% 11.9% 11.3%

10.6%
3 50 12.5%

80 .0%

10.7% 10.3%
3 00

8.8%
10.5%

8.3% 8.7%
70 .0%

2 50 8.5% 7.7% 8.0%

60.0%
2 00 6.5%
6.3%
5.3%
47.4% 49.4% 47.0% 1 50

284 285 294 327 3.9%

4.2% 6.2%
6.8% 6.9%
44.6%
4.5%

50 .0%

43.5% 265 5.4%

40.4% 39.5% 225 5.0% 4.9%
37.7% 39.0% 199 4.6%
1 00 2.5%

40 .0%

50 0.5%
4.5%
30 .0%
0 - 1.5%

Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Dec'18 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

Cost to income ratio – impacted by inflation and ROA & ROE – Strong profitability boosts returns Revaluation of assets and strong profitability
devaluation impact supports Book Value
ROE ROA Total Equity BVPS
6.7%
0
Rs in Bn
Dom Group 25.0%

80
. 0% 250

223
76.2% 5.7%
0
350

73.5% 201
75
. 0%

192 193 191 187 192 194

20.0%

200
178
186 300
4.7%
0

70
. 0%

15.0% 17.5% 3.7%

0
250

150
65
. 0%

14.4% 14.6% 200

58.5% 58.8% 57.5% 12.7%

2.7%
0

60
. 0%
57.3% 57.1% 10.0%

327
55.7% 100

294
150

273 281 284 280 274 282 285

1.7%
0 262
8.1%
55
. 0%

7.1% 100

5.0%

50

1.10%
50
. 0% 0.7%
0

46.3% 51.1% 51.1% 46.2% 0.87% 0.87%

50

0.43% 0.77%
45
. 0%
0.0%
0.50% -0.30%
-
-

FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 FY 18 FY 19 FY 20 FY 21 FY 22 H1'23 Mar'21 Jun'21Sep'21Dec'21Mar'22 Jun'22Sep'22Dec'22Mar'23 Jun'23

9
KEY BUSINESS UPDATES

10
Konnect – the Torch Bearer of Financial Inclusion*

Account Services Payments

Fund Transfer Bill Payment Tickets Entertainment

Utility | Mobile Top-Up Air | Bus | Movie | Sports Food | Fashion
Disbursement
Current PKR 191 Bn
Salary | Pension | BISP
Salary Islamic
Debit Cards QR Insurance Collections

9.3Mn
Health | Life | Travel Education | Loan Repayment | Corporates | Distribution

Konnect – Total volumes up 71% YoY Collections Volume (Bn) - Up 3x

60
0
Konnect Vol (Rs B) G2P Vol (Rs B)

50
0

Home Pension 40
0

184
Remittance 30
0
63% 180
Saving growth
20
0
113
309
10
0
76% 60
176
growth
Digital Lending 0

H1'22 H1'23 H1'22 H1'23

• Small ticket (< 50K), short tenor (1-4 Channels
weeks) algorithmic lending.
• Targeted at the most vulnerable with
short term cash-bridging needs USSD
ATMs POS
• Pilot completed successfully. Agents No smartphone or
112k+ machines
App Users 17,600+ internet access Branch
Commercial launch planned in August. 46,000+ Nationwide
3.0 Mn Nationwide needed 1,400+

11
A preferred partner to the government

Rs 184 Bn+ 10.5 Mn+

Subsidy disbursed Unique beneficiaries

Social Sector CARE BISP

BISP International IRC

Regular Seed Wheat

Wasleela-e-Taleem
Agri Sector
Punjab KPK Baluchistan

Waseela-e-taleem (Education) Regular

UN UNHCR WFP WHO

12
HBL Mobile – Empowering customers globally
2016 2023 Key Metrics
HBL Mobile

Countries Users (Mn.)

2.6 ↑23% 3.1

Customer Segments
Financial Txn. & Service Requests (Mn.)
Conventional Islamic Prestige

286 ↑50% 428

Support For Businesses
• Mobile Payments PKR Value (Tn.)
• Utility Bills
Corporate Payment Payoneer Edu Payment Tax Payment QR Payment
• Credit Card Payment ↑117% 2.0
Lending & Investment Products 0.9
• Funds Transfers
• Account & Credit Card Financial Transactions Per User
Statements
RDA Loans Car Loans Credit Cards Term Deposit Mutual Funds Insurance
• Android & iOS Apps 35 ↑20% 42
Support for Individuals
Daily Engagement
RAAST Bill Payments Account Certificates & CNIC Update
Statements 26% ↑18% 31%

Lifestyle Features
No. of days logged in

7.9 ↑18% 9.3

Travel Lifestyle News Donations

H1 2022 H1 2023

13
Enabling quick and convenient e-commerce transactions
Payment Gateway Tap & Pay (mobile POS)

Card, Account & Wallet based Card based

Customer Segment

Global Card schemes, 19 banks Global Card schemes

Partners

Merchants from 40+ business lines Cash on Delivery businesses

Category

Digitizing Last Mile payments for

Enabling e-commerce
Value Addition Payments on Delivery customers

650+ 13% 31% 700+ 150+

Merchants Merchant Market Share PKR Value Market Share Daraz Riders using Tap Paramedics using Tap
& Pay & Pay

Enabling ecosystem integration and collaboration to future-proof the bank

• Direct Transfer – Merchant Payments • Bill Payments

• Direct Transfer – Merchant Payments from Other Bank Accounts • Corporate Payments

APIs • MTO – Remittances • Government to People Payments

14
Robotic Process Automation Driving Change

KEY AUTOMATION THEMES WORKSTREAMS

RULE-BASED DECISIONING DATA ENTRY

Conversion of human Read Customer Request

judgment into business forms and reduce
rules manual entry OPERATION ACCOUNT
COMPLIANCE
SERVICES SERVICES
AML Alert Monitoring
AML Data Preparation
Basic Eligibility Check
DBR Calculation Customer Data Capture

Credit Decision

CREDIT
CONSUMER
ADMINISTRATION
DATA EXTRACTIONS SCREENING

Bureau and third party Customer screening against

system extractions/uploads watchlists and internal
systems
Customer Tax Information
International List Management
FINANCE GOVERNANCE
Regulatory Report Submission
Adverse Media Screening
e-CIB extraction
Name Screening

15
Leading Pakistan’s agricultural landscape…
Agriculture Portfolio (Rs. Bn)
Agriculture Value Chain 97 99
HBL Market Share
Financing for businesses with linkages to 74
45 49
agriculture eg processing units and cold storage 55
33 36%
21
41 52 50
34
Greater than next 2
3 Bn+ Portfolio size in first 2 years 2020 2021 2022 Jun'23
competitors combined

HBL HBLMFB

Innovative Agriculture solutions

SBP Recognition
➢ Invested in Naymat Collateral Management which
accredits warehouses – enables better storage of ➢ HBL ranked #1 by SBP among large banks
produce and ability to finance against secure collateral ➢ HBL MFB ranked #1 among microfinance banks
➢ 1st bank to fund Electronic Warehouse Receipt.
70% share of EWR financing for Maize
➢ Yield Insurance: This provides insurance to farmers
in-case crop yields are impacted by climate events.

Mobile App - Salesflo Dairy & Livestock Financing

➢ Agri field team provided with Handheld devices

with 4G connectivity to digitally capture field
visits
➢ Improved sales management & monitoring of
2K+ Dairy Farmers and Livestock loan
field activities
125K+ Animals financed insurance launched

16
HBL continues to innovate and transform farmers’ lives…
…after a successful proof of concept in delivering Agri interventions, since 2020…

Farmer count up 35x to 550 Portfolio volumes up 86x to 60x growth in crop acres to
Rs 1.3 Bn 26,512

Princeton/Yale/CERP
Impact Assessment Yield per acre 14% - 118% Farmers’ profit 15% - 611%
Previous model HBL Pay
Handoffs o Cross-functional team led by technologists and HBL agronomists
o Simplifying processes to reduce hand-offs from the time farmers open an
account at their own farm to loan approval and disbursement.

26 -14 12
Farmer Visits Tablet-based account opening at the farmer’s premises

8 -6 2
Turnaround Time

18 days -11 7 days

17
..With HBL Zarai to play key role
First of its kind Agri Extension Services subsidiary of HBL – to uplift & turnaround the agriculture landscape of Pakistan

HBL’s Role HBL Zarai’s Role

Farmer’s handholding on production and off-take of the
produce

Banking facilities Integration with

Equity
and operational customers and Lynchpin of HBL Zarai – 55 Zarai Deras (distribution
support business verticals centers over 5 years

Benefits for the farmers

High quality, competitively priced crop inputs Farm mechanization through pay-per-use Creating an efficient marketplace for scientifically
at the doorstep through Zarai Deras model tested and graded Agriculture produce –
connecting farmers directly with bulk buyers`

MART

Input Aggregation Agronomy Mechanization Warehousing E-Marketplace Logistics

State of the art storage facilities to

Scientific agronomy advice tailored to improve storability, avoid panic selling
Improving efficiency across agri value chain
their needs and facilitate leveraging of crops through
EWR
18
HBL Microfinance – The Largest Microfinance Bank in Pakistan – from Pioneers to Leaders
Taking the BANK to the CUSTOMER
Largest network in GBC & Baluchistan Customer Management Solution - in-house developed tablet-based solution

Best Performing Bank for Gilgit-Baltistan & Baluchistan under the Customer
National Financial Literacy Program Digital Onboarding Geo-Tagging Approvals
Applications / Processing
Collections Management
31 Citi Micro-Entrepreneurship client recognition awards
Cashflow Analysis
Reports & Analysis
Largest housing portfolio in the microfinance industry (Rs. 31 billion) Credit Scoring Workflow Management
Automated Data Loan officer Geo-Tracking
Population
Customer convenience for loan repayment through Konnect agents Realtime Biometric Realtime Credit Bureau
Verification Connectivity

Largest issuer of PayPak debit cards in the industry for the last 4 years Deployed in 88% of total YTD 2023 Customer request to disbursement
188 Locations disbursements through CMS 90% within 48 Hours

In-house developed branchless banking system Customers Branch Advances Deposits

Network 96
18.8% 19.0% 23.2% 23.5%

1.7m wallets as of June 2023 18.5%

94
17.9% 120

22.6% 23.0%

LTD 8m transactions worth Rs 21 billion Serving 271 92

18.0%

17.5%
115
22.5%

+3m Branches
90 22.0%

17.0%

Nano Loans - scorecard based 88

94 16.5%
110 21.5%

instant lending 86
16.0%
116 21.0%

88
LTD 111K disbursements
105

84 15.5%

108 20.5%

worth Rs 630M 82 15.0%

100 20.0%

Dec'22 Jun'23 Dec'22 Jun'23

Loan (Rs Bn) Deposits (Rs Bn)
Market Share (%) Market Share (%)

19
Microfinance – Changing Lives for the Better

Based on external survey 20

ESG initiatives actively being deployed in our workstreams
Reduce carbon footprint and mitigaterisks
Green House Gas Emissions Q1 = 10,400 MT of CO₂ Initiatives & HBL firsts…
Reducing Own Emissions Scope-3 Scope-2 Power
Construction, 3.01% consumption,
43.70% Net Zero by 2030 Sustainability Summit held
Solar Panels at 201 branches and 31 Initiated journey to Net covering importance of
offsite ATMS Zero by 2030 for scope 1 & sustainability and HBL’s
2 (Own Impact) journey towards achieving
Light Automation System for
energy conservation Net Zero

Scope-
Key Developments 1Generator, Scope-3 Launched Second Impact Initiated journey to
43.45% Travelling, and Sustainability
Scope-1
7.40%
become a signatory of
Vehicle, 2.44% Report PRB Principles of Responsible
Banking

858 Employees Trained Training session for Facility Three-bin Waste

on Environment & Social Management and janitorial WWF Green Office
Upgrade of SEMS Policy and SOP Management arrangement
Risk Management staff to create awareness of certification in process
implemented in certain
energy conservation. for two pilot branches.
high-value premises.
•ESRM Process alignment with
SBP ESRM Implementation Aga Khan Agency for
Green Financing
Manual Habitat (AKAH)
8% •Development of Green Finance AKAH energy audits 81,280 saplings, including
24% Framework completed in Lahore, mangroves, planted in
Renewable
•Bi-annual reporting to Board Multan and Karachi. Punjab, Baluchistan and
Energy Port Qasim, Karachi.
•Annual Capacity Building Suggested energy
Exposure of Bagasse
•Creation of Sustainability Forum conservation measures
PKR 34bn 18% 50% Hydro
Solar being implemented in a
Wind phased manner.

21
Giving back to the community
HBL Initiatives HBL Foundation Initiatives
2023 – HBL Foundation crosses Rs 3 billion in giving
GB AJK KPK DEVELOPMENT
12% 2% 9% 5%

PKR 556 Mn BALOCHISTAN

4%
PUNJAB
12%
EDUCATION
29%

SINDH
Rebuild & rehabilitate (Rs 126 Mn) 16% HEALTH
61%

EMERGENCY
Partnered with the Government of Pakistan to fund RELIEF

construction of 100 prefabricated houses in village

National
45%
Locations 5% Sectors
in Sindh.
Healthcare | Rs 2 Billion – benefitting ~10 Mn people
• Supported 149 non-profit and government organizations across Pakistan
HBL Philanthropic funding
• Cyberknife and tomotherapy machines for free cancer treatment to patients from all over the world
(Rs 420 Mn)
• Equipping hospitals with latest medical equipment
• Supporting surgical eye and nutritional camps in the remotest areas of Pakistan
HBL has increased its philanthropic funding to
HBL Foundation to Rs 395Mn for H1’23. Education | Rs 0.9 Billion – benefiting >0.5 Mn students
• Supported 125 educational institutions in all provinces across Pakistan
• Established a pool of STEAM scholarships for girls from underserved communities
HBL also contributed directly to the plantation
drive, Ramadan Relief drive and the Special • Supporting management of government schools and equipping science and technology labs in the
community run schools
Olympics.
Community Development
Support to other community development programs for long-term benefits such as installation of water
pumps, emergency relief, provision of water filtration kits, and funding music and culture programs.

22
People and Community
Bank with a Soul
First of a kind move, increased service
age of staff from 60 to 65 years
Supported vulnerable and impacted
population in flood affected areas.
Flood relief to affected employees
Cognizant of the current economic
challenges HBL provided:
- Interest free motorcycle loan
- Electric Bikes at discounted rates
- Share Sawari – an in-house carpool
app launched for employees to
promote fuel saving & share travel
costs
Employee Volunteering Activities rolled
out to promote a culture of giving back to
the community – Blood donation drives,
tree plantations, book drives, clean-up
drives etc.
Employee Well-Being
Engagement Survey repeated after a 3-
year period. Response rate > 83%.
Employee engagement score : 86% (2020 :
78%). 90% say they are Very Proud to
work for HBL.
Flexible work arrangement policy
HBL Raabta - employee assistance
program providing counselling and
awareness sessions
Day care allowance of Rs 10k for women
employees with children up to 3 years.
New leaves introduced: paternity,
mourning and miscarriage.
Health & Wellness Series for awareness of
employees
Talent
Management &
Development
Leadership Excellence program for ExCO,
GMs and Mid-level leaders launched
As part of capacity building over 500,000
man-hours of training delivered
HBL’s Values Rating now part of annual
performance evaluation with monetary
impact to drive cultural change
Collaboration with 15 universities to build
future talent
Promoting Art
Promoting Pakistani art and artists through
sponsoring exhibitions of internationally
recognized artists
Interactive Art Series to build awareness
amongst employees and their children
about our rich culture and promote art.
Diversity
HBL won 15 global awards for Diversity,
Equity and Inclusion for the year 2022.
SBP Banking on Equality: HBL ranked #1
HBL MFB Ranked # 2
2005 3% 2022 22%
HBL Waapsi: Opportunity for women to
restart professional careers after a break.
Gender sensitization training /engagement
sessions to increase awareness
Inclusion
Disability awareness trainings to facilitate
inclusion of PWDs
Sign language training to facilitate
understanding and support PWDs
(customers and employees)
Accessible infrastructure / services – 1,200
branches with ramps, 400+ ‘Talking’ ATMs,
Braille forms and stationery.
Launched PWD-only internship / work
experience programs
PWDs grant facility of upto Rs100k
for purchase of assistive devices
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Disclaimer

The information contained herein has been prepared by HBL for informational purposes. HBL relies on information
obtained from sources believed to be reliable, but it makes no warranty, express or implied, nor assumes any legal
liability or responsibility for the accuracy, correctness, completeness of the information that is available in this
presentation.

This presentation, prepared for information purposes only, is not and does not form part of any offer for sale or
solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of
or be relied on in connection with any contract or commitment whatsoever.

Some of the information in this presentation may contain projections or other forward-looking statements regarding
future events or the future financial performance of HBL. These forward-looking statements include all matters that are
not historical facts. The inclusion of such forward-looking information shall not be regarded as a representation by HBL
or any other person that the objectives or plans of HBL will be achieved. Further the information contained herein is
subject to change, completion or amendment without notice and HBL undertakes no obligation to publicly update or
publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise

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