HLB FY2023 Financial Results

Operating Expense 36.9% Domestic 35.4% CIR 37.5% Admin & general 13% Personnel cost 54% Marketing 9% 39.3% 2,233 RM'mil 2,098 302 253 196 171 532 521 RM'mil 1,154 1,203 FY2022 Personnel cost Marketing CIR FY2023 Establishment Admin & general Establishment 24% FY2023 587 560 541 546 559 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Operating expenses HLB FY2023 ended 30 June 2023 Hong Leong Bank Disciplined spending through strategic cost management initiatives Includes adjustment in Q4FY23 arising from the revised Collective Agreement 8

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