FINANCIAL HIGHLIGHTS DECEMBER 31, 2015

Assets Rs. 1,706 bn Assets Rs. 1,706 bn Capital Adequacy 17.6% Capital Adequacy 17.6% Advances & Investments* Rs. 1,537 bn *Gross Advances & Investments* Rs. 1,537 bn *Gross Deposits Rs. 1,431 bn Deposits Rs. 1,431 bn 18% 1%1% 11% 16% Key Performance Indicators

Pre-tax Profit Rs bn Pre-tax Profit Rs bn After-tax RoE 17% After-tax RoE 17% After-tax RoA 1.2% After-tax RoA 1.2% After-tax Profit Rs bn After-tax Profit Rs bn 51%* 28% 20%19% Key Performance Indicators *Highest YoY PBT Growth among top 5 Banks.

Earnings per Share Rs Earnings per Share Rs Dividend Payout Ratio 92%* Dividend Payout Ratio 92%* Total Dividend Payout Rs bn Total Dividend Payout Rs bn Dividend per Share Rs Dividend per Share Rs % 36% Key Performance Indicators 7% *after statutory reserves allocation.

Growth NII53,72145,8047,91717% NFI30,33526,8253,51013% Exchange income4,6483,5521,09631% Operating income88,70476,18112,52316% Staff costs28,44528, % Other costs15,22214, % Total costs43,66743, % Profit before provisions45,03733,07811,95936% Provisions11,82111, % Pre-tax profit33,21622,00111,21551% Tax13,9976,9737,024101% After-tax profit 19,21915,0284,19128% Summary of Financial Performance (Rs. in million)

ASSETS Variance Cash and balances with treasury banks 150,900 97,971 54% Balances with other banks 20,128 12,108 66% Lending to financial institutions 10, ,789 (90%) Investments - net 826, ,764 (47%) Advances - net 577, ,704 (8%) Operating Fixed assets 31,936 31,796 0% Deferred tax assets - net 9,669 9,877 (2%) Other assets 78,895 91,045 (13%) Total Assets 1,706,362 1,543,054 11% LIABILITES Bills payable 9,172 11,012 (17%) Borrowings 21,911 37,541 (42%) Deposits and other accounts 1,431,037 1,233,525 16% Liabilities against assets subject to Finance Lease % Other liabilities 75,855 82,639 (8%) Total Liabilities 1,538,010 1,364,725 13% NET ASSETS 168, ,329 Share capital 21,275 0% Reserves 45,581 32,074 42% Unappropriated profit 49,156 57,009 (14%) Equity 116, ,356 5% Surplus on revaluation of assets 52,340 67,973 (23%) Total 168, ,329 (6%) Breakup Value Per Share (Rs.) Statement of Financial Position (Rs. in million)

Key Financial Ratios Advance (Gross) to Deposits63.90%70.40%64.30%59.00%48.30% Cost to Income45.70%52.00%56.90%54.70%47.60% Earning Assets to Total Assets91.20%91.30%90.90%91.40%92.90% Investment to Deposits34.50%33.10%36.10%45.50%57.70% NPL Coverage76.40%82.00%80.10%83.90%89.30% Net Non-Performing Loans4.70%3.00%4.20%3.60%2.90% Return on Average Assets (ROA)1.60%1.20%0.40%1.10%1.20% Pre-tax Return on Average Equity24.30%19.90%6.90%20.80%29.30% After-tax Return on Average Equity (ROE)16.40%13.90%5.40%14.30%17.00% Return on Capital Employed (ROCE)15.90%14.30%5.50%13.60%16.60% Break Up Value Per Share Years Summary of Performance Indicators

KPI Cumulative Growth Total Assets1,706,3611,543,0541,364,92625% Deposits1,431,0371,233,5251,101,13830% Pre-tax Profit33,21622,0017,078368% 3 Years Growth (Rs. in million)

Revenue Composition 2014 v 2015 (Rs. in million)

Non mark-up / interest income 2014 v ,377 34,983 (Rs. in million)

Administrative Expenses 2014 v ,193 13,768 (Rs. in million)

Dividend Payout History - Peer Comparison NBP Dividend Paid12,61412,9504,25511,70115,956 Payout Ratio72%89%77%78%83% MCB Dividend Paid10,03511,95814,16615,82017,808 Payout Ratio52%57%73%64%70% UBL Dividend Paid9,18110,40612,24214,07815,914 Payout Ratio59%58%66%64%62% HBL Dividend Paid8,6519,09210,66817,64620,536 Payout Ratio35%41%54%57%58% (Rs. in million)

Products / Functions 2014 PKR Billion 2015 PKR Billion Corporate Retail Loan * Overseas Agriculture Commodity Commercial Asset Recovery SME PMYBL Islamic Gross Advances Advances Portfolio * Retail loans include “Advance Salary”, “Saibaan”, “Gold Loans” & “Staff Loans”. 13

Products / Functions 2014 PKR Billion 2015 PKR Billion Current PLS Saving Term Deposits NIDA FCY Deposits Islamic Banking Overseas Total Deposits1,233.51,431.0 CASA Ratio*76.5%76.8% Deposits Portfolio * Domestic Branches 14

15 AdvancesDeposits Advances & Deposits: By Type

16 CategoryRs. million Individuals 127,275 Energy 125,086 Transportation 63,581 Textile 62,004 Metals 55,645 Agriculture 50,647 Commodity 48,315 General Trade 25,457 Sugar 21,968 Fertilizer 15,909 Rice processing 13,818 Real Estate 8,491 Others 73,427 Total 691,622 Advances – Sectoral Concentration

CategoryRs. million Textile 31,824 Metals 18,319 General Trade 10,420 Individuals 6,751 Energy 6,511 Agriculture 5,286 Hotel & Services 4,264 Chemical & Pharma 4,175 Sugar 4,064 Electronics 4,011 Trans / Karobar 3,986 Rice Proc. 3,510 Others 24,229 Total 127, NPL – Sectoral Concentration

18 CategoryRs. million Individuals491,575 Metals 3,610 Hotel & Services165,700 Energy100,788 Auto & Trans.5,135 General Trader42,357 Agriculture33,524 Real Estate6,600 Financial204,617 Telecom71,610 Textile3,339 Fertilizer2,666 Others299,517 Total1,431,037 Deposits – Sectoral Concentration