Financial Highlights: H1FY23

HLISB - Key financial highlights Opex & CIR • Total Net Income Stronger performance led by robust financing growth, lower financing impairment allowance and effective funding cost management 469 RM'mil 54% 305 H1FY22 H1FY23 Gross Financing • Solid growth in financing supported by retail business and SME RM'bil 38.4 13% 34.0 • Positive JAWS attained with commendable CIR 28.3% 26.0% Hong Leong Bank • Profit after Tax and Zakat Improved profitability underpinned by strong fundamentals and commendable business performance 249 RM'mil RM'mil 107% 137 125 10% 120 H1FY22 H1FY23 Deposits • Growth contributed from expansion in both retail and business deposits with healthy CASA growth 41.9 RM'bil 38.2 10% H1FY22 H1FY23 H1FY22 H1FY23 H1FY22 H1FY23 Capital Adequacy • Total capital position remained healthy 15.2% 14.5% H1FY22 H1FY23 20 20 HLB H1FY23 ended 31 December 2022

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