HLB FY2022 Financial Highlights

Key Financial Highlights Stronger business performance led by robust loan/financing expansion • Total Income & Opex Improved topline - achieving positive JAWS and a commendable CIR 38.0% Profit Before Associate Contribution • Stronger underlying performance led by expansion in our loan/financing portfolio and lower loan impairment allowances . 37.5% CIR 3,336 RM'mil RM'mil 22% Total Income 2,735 A2% 5,467 5,597 Opex (2,078) (2,098) (1% FY2021 FY2022 FY2021 FY2022 GIL & Coverage Ratio Gross Loans/Financing in loans/financing underpinned by mortgages, SME and commercial business banking . Asset quality is solid, with sufficient loan impairment coverage • Growth 317% 282% 247% LIC 212% (including security value) 0.46% 0.49% FY2021 FY2022 RM'bil 168.2 155.8 8%) FY2021 FY2022 Hong Leong Bank Profit Before Tax Healthy profitability in line with the economic recovery traction 4,367 RM'mil 26% 3,471 FY2021 Deposits FY2022 • Healthy deposit growth led by CASA expansion HLB FY2022 ended 30 June 2022 RM'bil 197.3 183.3 8% FY2021 FY2022 3

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