HLB FY2023 Financial Results

Key Financials - 5 Years Trend Total Income (RM❜mil) PAT (RM❜mil) 1.0% Resilient top-line -6.4% 5,467 5,597 5,686 4,726 4,778 FY19 FY20 FY21 FY22 FY23 NIM (%) Hong Leong Bank 14.7% 15.0% 16.1% O. 3,818 3,289 2,665 2,861 2,495 FY19 FY20 FY21 FY22 FY23 CIR (%) y-o-y growth Overall improved performance Compressed NIM driven by funding cost pressure Solid CIR through strategic cost management initiatives 44.3% 44.0% 2.14% 2.14% 1.96% 1.98% 39.3% 38.0% 37.5% 1.88% FY19 FY20 FY21 FY22 FY23 FY19 FY20 FY21 FY22 FY23 HLB FY2023 ended 30 June 2023 22 22

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