Financial Highlights: H1FY23

Operating Expense Effectively managing our expenses to maintain low CIR levels Domestic CIR 35.1% 34.2% 37.1% 36.4% RM'mil 1,087 1,020 150 119 69 103 263 269 569 565 H1FY22 Personnel cost Marketing CIR H1FY23 Establishment Admin & general Operating Expenses Admin & general 14% Marketing 9% H1FY23 Establishment 25% Hong Leong Bank Personnel cost 52% Improved CIR - opex managed at similar levels q-o-q 37.4% 38.4% 37.4% 36.0% 36.7% RM'mil 560 513 518 541 546 Q2FY22 Q3FY22 Q4FY22 Operating expenses Q1FY23 Q2FY23 CIR HLB H1FY23 ended 31 December 2022 8

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