Standard Chartered Bank Pakistan : Notice and Presentation for Corporate Briefing Session (CBS)

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Corporate Briefing

14 September 2023

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Agenda

Agenda	Time
Welcome note and introduction	11:00 AM - 11:05 AM
Recitation of Holy Quran	11:05 AM - 11:10 AM
Company Briefing / Strategy	11:10 AM - 11:30 AM
Financial Performance	11:30 AM - 11:45 AM
Community Investments	11:45 AM - 12:00 PM
Q&A	12:00 PM - 12:15 PM

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Disclaimer

Important Notice

This document contains or incorporates by reference "forward-looking statements" regarding the belief or current expectations of Standard Chartered Bank (Pakistan) Limited, the board of the Company (the "Directors") and other members of its senior management about the strategy, businesses and performance of the Company and its subsidiaries (the "Group") and the other matters described in this document. Generally, words such as ''may'', ''could'', ''will'', ''expect'', ''intend'', ''estimate'', ''anticipate'', ''believe'', ''plan'', ''seek'', ''continue'' or similar expressions are intended to identify forward-looking statements.

Forward-looking statements involve inherent risks and uncertainties. They are not guarantees of future performance and actual results could differ materially from those contained in the forward-looking statements. Recipients should not place reliance on, and are cautioned about relying on, any forward-looking statements. Forward-looking statements are based on current views, estimates and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside the control of the Group and are difficult to predict. Such risks, factors and uncertainties may cause actual results to differ materially from any future results or developments expressed or implied from the forward- looking statements. Such risks, factors and uncertainties include but are not limited to: changes in the credit quality and the recoverability of loans and amounts due from counterparties; changes in the Group's financial models incorporating assumptions, judgments and estimates which may change over time; risks relating to capital, capital management and liquidity; risks associated with implementation of Basel III and uncertainty over the timing and scope of regulatory changes in various jurisdictions in which the Group operates; risks arising out of legal and regulatory matters, investigations and proceedings; operational risks inherent in the Group's business; risks arising out of the Group's holding company structure; risks associated with the recruitment, retention and development of senior management and other skilled personnel; risks associated with business expansion and engaging in acquisitions; reputational, compliance, conduct, information and cyber security and financial crime risks; global macroeconomic and geopolitical risks; risks arising out of the dispersion of the Group's operations, the locations of its businesses and the legal, political and economic environment in such jurisdictions; competition; and other similar legislation or regulations; changes in the credit ratings or outlook for the Group; market, interest rate, commodity prices, equity price and other market risk; foreign exchange risk; financial market volatility; systemic risk in the banking industry and among other financial institutions or corporate borrowers; country risk; risks arising from operating in markets with less developed judicial and dispute resolution systems; risks arising out of regional hostilities, terrorist attacks, social unrest or natural disasters; risks arising out of health crises and pandemics, such as the COVID-19 (coronavirus) outbreak; climate related transition and physical risks; business model disruption risks; and failure to generate sufficient level of profits and cash flows to pay future dividends.

Any forward-looking statement contained in this document is based on past or current trends and/or activities of the Company and should not be taken as a representation that such trends or activities will continue in the future. No statement in this document is intended to be a profit forecast or to imply that the earnings of the Company and/or the Group for the current year or future years will necessarily match or exceed the historical or published earnings of the Company and/or the Group. Each forward-looking statement speaks only as of the date of the particular statement. Except as required by any applicable law or regulations, the Company expressly disclaims any obligation or undertaking to release publicly or make any updates or revisions to any forward-looking statement contained herein whether as a result of new information, future events or otherwise.

Nothing in this document shall constitute, in any jurisdiction, an offer or solicitation to sell or purchase any securities or other financial instruments, nor shall it constitute a recommendation or advice in respect of any securities or other financial instruments or any other matter.

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Key messages

We are a global bank with deep local expertise in many of the world's most dynamic markets.

We have…

Navigated the economic downturn cycle well through effective pricing

discipline, pass through and risk management

Accelerated in areas where we have distinctive competitive advantage

Maintained discipline on costs and improved our productivity

Continued to strengthen our foundations and controls

Entered 2023 with a strong capital base and continued investments in

new digital technologies and platforms

…and are now ready for the next phase of our transformation goals including achieving higher

returns, building a best-in-class customer experience and strengthening our position as an employer of choice to deliver sustainable growth and substantial value for our clients and shareholders

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