Habib Bank Limited

January 2014

2

Pakistan’s First Commercial Bank

51.0% - Aga Khan Fund for Economic Development (AKFED)

7.5% - Institutional and retail investors

41.5% - Government of Pakistan

Customers

Brand Recall

> 8 million

Highest

Assets (bn)

Deposit (bn)

Domestic Branches

ATMs

PKR 1,537 *

PKR 1,268 *

> 1500

> 1300

1

1

1

1

1

11941

•Incorporated in Bombay

1947

•Moved Head Office to Pakistan

1974

•Nationalized

2004

•Privatized

2007

•Public Listing

* As of September 30, 2013

3

The Largest Bank in Pakistan

We Started With…

Pakistan’s largest branch network Largest customer base representing all customers types

We energized the network by…

Focusing on customer experience Revamping branch infrastructure Service excellence and sales culture through extensive training Robust KPI regime Broadening product offering

Resulting in…

Largest Retail bank - market leadership in deposits and bancassurance Largest Corporate & Investment Bank Leading issuer of debit cards and remittance payouts Largest growth in new customer acquisition.

Way Forward

Focus on Rural and SME sectors Branchless banking for financial inclusion Focus on product cross sell Leverage the Retail network to offer cash management and transactional

services for institutional clients Support infrastructure projects & Corporate Finance advisory opportunities Expand wealth management business

4

26.5

20.920.619.9

17.516.2

14.813.0

8.2

Turkey

36.7

USAFranceUKIndonesiaCanadaMalaysiaIndiaChinaPakistan

SOURCE: OECD documents, press search, McKinsey analysis

SME loans/Total business loans (%)

SME lending in Pakistan is significantly under penetrated vs other markets

HBL Focus Areas -SME Lending in Pakistan

5

Agriculture finance in Pakistan

SOURCE: Central bank reports; Economic Intelligence Unit; State Bank of Pakistan; Trade Development Authority of Pakistan Report (2012-13)

Agriculture finance as percent of GDP2012, Percent

Ø 4.3

Bangladesh 1.4%

Pakistan 1.4%

Indonesia

6.5%

Thailand 7.5%

2.0%

Turkey 4.2%

Brazil 4.2%

India 5.8%

China 6.0%

Phillipines

▪ 5th largest producer of milk worldwide – total industry value of over PKR 1.5 trillion

▪ 4th largest producer of cotton, contributing 5% of global spinning capacity

▪ Cotton and textiles account for over PKR 1 trillion or 50% of total export earnings

▪ Ranked 14th in global rice production

▪ Annual horticulture production of over 14 m tons – total industry value of PKR 500 billion

There is significant potential to increase penetration of agriculture finance in Pakistan

HBL Focus Areas- Agriculture Finance in Pakistan

6

Pakistan’s International Bank

Maldives Sri Lanka

Bangladesh

Nepal

ChinaAfghanistan

Oman

UAEBahrain

Subsidiary

Related EntityRepresentative Office

BranchHead Office and Domestic Branch Network

International Footprint

Comprehensive Regional Coverage

Positioned as a “unique” regional player to increase market share in intra regional

– Trade finance

– Remittances

– Investment banking

Direct presence in 23 countries

Network of 53 branches

Presence in key financial hubs; London, New York, Brussels, Singapore, Dubai and Hong Kong

Presence in 6 countries through associates and related entities

IranIran

7

2008 2009 2010 2011 2012 9M13

597 683 747

934

1,215 1,268

Leadership in DepositsTotal Deposits

PKR Billion

CAGR 17.2%

2008 2009 2010 2011 2012 9M13

507 579

644 791

1,041 1,062

Current Accounts

Domestic DepositsPKR Billion

CAGR 16.8%

Market Share

Absolute growth in HBL of PKR 250bn in 2012 vs. market growth of

PKR 808bn

2008 2009 2010 2011 2012 9M13

13.3% 13.4%

12.6%

13.5%

15.3%14.9%

2008 2009 2010 2011 2012 9M13

137 159

194

249

318

377

CAGR 23.8%

PKR Billion

8

Strong Capital Base

2008 2009 2010 2011 2012 9M13

63 75

87

100

119 127

Share Holder’s EquityPKR Billion

2008 2009 2010 2011 2012 9M13

11.4%

13.3%

14.6%

15.6% 15.8%16.1%

Tier I Capital

CAR

Risk Weighted Assets

2008 2009 2010 2011 2012 9M13

57 67

78

89

99 107

PKR Billion PKR Billions

2008 2009 2010 2011 2012 9M13

596 634 649

677

777 793

9

Sustained Earnings

2008 2009 2010 2011 2012 9M13

37 43

47 56 58

40

Net Interest IncomePKR Billion

Non Interest Expense

Total Revenue

Cost to Income Ratio

2008 2009 2010 2011 2012 9M13

48 54

60

71 74

53

PKR Billion

PKR Billion

2008 2009 2010 2011 2012 9M13

22 23 25

30 32

27

2008 2009 2010 2011 2012 9M13

44.5% 42.3% 40.6% 41.3% 42.1%51.2%

102008 2009 2010 2011 2012 9M13

9.0 11.1

14.1

18.3 18.4

12.4

Strong Returns

2008 2009 2010 2011 2012 9M13

17.2% 17.8%18.9%

21.7%20.4%

16.4%

Return on Equity

Earnings per Share

Return on Assets

Dividend per share

2008 2009 2010 2011 2012 9M13

1.5%1.7%

1.9%2.2%

1.6%1.4%

PKR PKR

2008 2009 2010 2011 2012 9M13

5.5 6.0

6.5 7.0

7.5

6.0

11

Jan-08 Jul-08 Jan-09 Jul-09 Jan-10 Jul-10 Jan-11 Jul-11 Jan-12 Jul-12 Jan-13 Jul-13 Jan-14 -

50.00

100.00

150.00

200.00

-

5,000,000

10,000,000

15,000,000

20,000,000 Volume Price

Jan-08 Jul-08 Jan-09 Jul-09 Jan-10 Jul-10 Jan-11 Jul-11 Jan-12 Jul-12 Jan-13 Jul-13 Jan-140%

50%

100%

150%

200%

250% Banking Sector HBL KSE

Stable Stock Performance

Volumes in ThousandsStock Performance

PKR per share

Comparative Performance

Share price (PKR) 169.00Market Cap (PKR bn) 226.03Price to Earnings (x) 10.42Price to Book (x) 1.65

Source: Reuters – 14 October 2013

Source: Bloomberg

12

Award Winning Franchise

Best Retail Bank in

Pakistan, Asian Banker

Magazine 2013

Best Bank in Pakistan,

Euromoney2013

13

HBL –Getting Bigger & Stronger

HBL

Largest branch network

Biggest ATM network

Largest Balance Sheet size of over

PKR 1.6 trillion

Largest Deposit Base of over PKR 1 .2

trillion

“AAA / A-1+” rating with “Stable”

outlook

Uniquely positioned for regional

coverage