Financial Highlights: H1FY23

Profit & Loss Commendable performance led by strong topline growth and robust associates contribution Profit After Tax Hong Leong Bank 102 133 RM'mil 66 99 1,597 169 71 18 2,024 PAT H1FY22 Net Interest Income Non Interest Income Opex Loan & Other Impairment Allowances Associates Contribution Tax PAT H1FY23 • Improved topline from loan/financing expansion and higher non-interest income contribution • Upheld strong asset quality metrics with modest loan impairment allowances Robust contribution from associates RM'mil Total income Operating expenses H1FY22 H1FY23 Change % (YoY) 2,751 2,986 8.5% (1,020) (1,087) 6.5% Operating profit before allowances 1,731 1,900 9.7% Allowances for loans and other impairments (81) (63) -22.5% • Profit before associates contribution 1,649 1,837 11.3% Share of profits from associates 469 638 36.0% • Profit before tax 2,119 2,475 16.8% Profit after tax 1,597 2,024 26.7% HLB H1FY23 ended 31 December 2022 LO

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