Our Portfolio ReflectsOur Expanding Possibilities

Our Portfolio ReflectsOur Expanding Possibilities

April 19, 2023

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Contents

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Introduction

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Introduction

1LINK is a consortium of banks of Pakistan that own and operate the largest shared financial services network of Pakistan.

Our Focus is to: - Innovate

- Collaborate

- Research & Develop

- Uplift the Payment Industry

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Historic Milestones• Year 1999: ABN AMRO and Askari Bank connected their ATM

network (ABN Amro Switch)

• Year 2002: SBP circular for the mandatory connectivity of either of the two switches (MCB Switch or ABN Amro Switch)

• Year 2003: ABN Amro Switch decided to form a collective company and founded “1LINK”, to be run and governed by the existing 11 Members

• Year 2005: 1LINK parterend with Visa International

• Year 2006: 1LINK launched Inter Bank Funds Transfer Service

• Year 2007: 1LINK launched Utility Bill Payment Service (UBPS)

• Year 2011: 1LINK partners with China Union Pay

• Year 2012: 1LINK partners with MasterCard

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Members Banks

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Alternate Delivery Channels

• 1LINK services are offered to the Consumer by banks via various Channels

• Following channels are part of the 1LINK Payment Space:

– ATM

– IVR

– Call Center

– Internet

– Kiosk

– Mobile

– POS

– CDM

• Other ADCs can be enabled depending on the Bank’s readiness

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1LINK Services

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1Link Services

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Card Base

Source: SBP Quarterly Review * 30th June 2013

1LINK Shared ATM Network

0.96 Million

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Shared ATM Network

•1LINK connects over 6,750+ online ATMs across the country

•The network is continuously expanding

•1LINK Shared ATM Network provides round-the-clock access to ATM

•Optimum uptime and outstanding service levels increases customers confidence on 1LINK ATM network

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Inter Bank Funds Transfer

• Instant and Real-Time Funds Transfer across member banks

• 30* IBFT enabled Member Banks

• Electronic Funds Transfer using ATM, Internet Banking, Mobile, IVR, Call Center, KIOSKs

April 19, 2023 12* As on 30th October 2013

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Inter Bank Funds Transfer

Value Proposition

• Digitization of payments• No paper work • Cost Efficient • Convenience and secure

environment • Reaching PAN Pakistan

branch network of 12,000+ branches

IBFT Diversification

• Customer to Customer / P2P Payments

• Online Remittance Payments (B2C)

• Credit Card Bills Payments (C2B)

• Corporate Payments (B2B)

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Global Payment Gateway

• 1LINK has partnered with VISA, UnionPay, and MasterCard in Pakistan.

• Bank are now able to Connect to IPS with reduced CAPEX and OPEX.

• Banks can offer services to International customers like Cash Withdrawal and Balance Inquiry

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Bills Payment Service

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Credit Card Bills Payment Through IBFT

• Realtime and Instant Bill Payment from 30 IBFT Member Banks

• Revenue for member banks on every credit card bill paid though IBFT

• Member Banks LIVE on Credit Card Bill Payment through IBFT:– Habib Bank Limited– Silk Bank Limited

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IBFT for Merchant Settlement

• Acquiring Banks are using IBFT to settle its POS Merchants

• Merchants to receive funds at any of Bank account of their choice

• Cost-saving and enhanced productivity against paper based instruments

• Member Banks LIVE:

– UBL

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Cash Advance Through ATM

• Customers can enjoy the facility of

balance inquiry and cash advance

transaction from their credit cards through

any 1LINK ATM.

• Banks include :

– HBL Visa Card

– Faysal Bank MasterCard

– Askari Bank Limited MasterCard

– Bank Alfalah Limited Visa Card

– Silk Bank Visa Card

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AcquirerAcquirer IssuerIssuer

Local Acquiring Switch

To Convert Proprietary ATM cards to Proprietary Debit Cards

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Risk Management

• PCI DSS Compliant

• EMV Compliance

– VISA

– Mastercard

– Unionpay

– 1LINK Acquiring Switch

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Technology Updates

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Technology Updates

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Major Initiatives

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Bill Payment Service

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Bill Payment Service

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Branchless Banking Initiatives

• Issuance of Local ATM / Debit Card

• Shared ATM Services

• 1LINK POS Offering

• IBFT– Mobile Wallet with Level 0, 1 and 2 limits– Cash to IBFT through BB Agents

• Cash Payout on POS

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1LINK Loyalty Program

• First Time in Pakistan for all 1LINK Member banks

• Loyalty Program for all Services and Products of the Bank

• Real Time Redemption of Loyalty Program – “Burn Side”

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1LINK Loyalty Program

• In discussions with Acquiring Banks to offer this service for Issuers with Loyalty Program

• Customized Loyalty Programs will be available in Phase II

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Risk Management

• Real Time Transactions Monitoring Capability– Fraud Monitoring Application– Off US – 1LINK– On US – All Member Bank

• Risk Management MIS

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Global Payment Schemes

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• JCB

• American Express

• Discover

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Conclusion

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Securing the Future! Enhancing Long-Term Revenue Growth

Collaboration is the KEY!

Execution Excellence!We have done it before; We will do it again!