HLB FY2022 Financial Highlights

Net Interest Income & NIM Maintaining a healthy NIM with effective management of funding cost 2.21% 2.20% 2.19% 2.15% 2.13% 2.10% RM'mil 1,140 1,176 1,162 1,121 1,159 Hong Leong Bank 2 bps 2.16% y-o-y 2.14% 2.14% Stable y-o-y 4,618 7.2% RM'mil y-o-y 4,310 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 FY2021 FY2022 Net interest income NIM NIM (Ex Mod-Loss) Net interest income NIM NIM (Ex Mod-Loss) There is no impact to HLB lending rate arising from the introduction of standardised base rate starting from 1 Aug 2022 HLB FY2022 ended 30 June 2022 8

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