HLB FY2022 Financial Highlights

Highlights of Key KPIs Q4FY21 Q3FY22 Q4FY22 FY2021 FY2022 Net Interest Margin 2.20% 2.15% 2.10% 2.14% 2.14% Non-interest Income Ratio 14.5% 13.8% 22.6% 21.2% 17.5% Cost-to-Income Ratio 40.0% 38.4% 37.4% 38.0% 37.5% ROE 9.5% 10.4% 11.8% 10.1% 10.9% ROA 1.17% 1.26% 1.43% 1.25% 1.34% LDR 83.9% 83.5% 83.5% 83.9% 83.5% Credit Charge (Net) - bps 13 3 2 42 10 Loan Impairment Coverage (LIC) 247% 218% 212% 247% 212% LIC (including security value) 317% 288% 282% 317% 282% CET-1 ratio 13.6% 12.7% 13.4% 13.6% 13.4% Tier-1 ratio 14.1% 13.3% 14.5% 14.1% 14.5% Total Capital Ratio 16.2% 15.4% 16.7% 16.2% 16.7% HLB FY2022 ended 30 June 2022 Hong Leong Bank 26

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