HLB FY2022 Financial Highlights

Key Financials - 5 Years Trend Total Income (RM'mil) 14.4% 6.3% y-o-y 1.1% 2.4% growth -2.4% PAT (RM'mil) Hong Leong Bank 23.0% y-o-y 14.7% 15.0% growth 1.0% -6.4% Resilient top-line 5,467 5,597 3,289 4,840 4,726 4,778 2,638 2,665 2,861 2,495 FY18 FY19 FY20 FY21 FY22 NIM (%) Solid NIM driven by funding cost optimisation 2.14% 2.14% 2.10%. 1.96% • 1.88% FY18 FY19 FY20 FY21 FY22 CIR (%) Overall better performance Positive JAWS attained for FY22 44.3% 44.0% 42.6% 38.0% 37.5% FY18 FY19 FY20 FY21 FY22 FY18 FY19 FY20 FY21 FY22 HLB FY2022 ended 30 June 2022 24

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