HLB FY2022 Financial Highlights

Group Performance Hong Leong Bank Change Change Change RM'mil FY2021 FY2022 Q4FY22 (YoY) (YoY) (QoQ) Net interest income 4,310 4,618 7.2% 1,159 1.7% -0.3% Non-interest income 1,157 979 -15.4% 339 76.0% 82.8% Total income 5,467 5,597 2.4% 1,498 12.5% 11.2% Operating expenses (2,078) (2,098) 1.0% (560) 5.2% 8.1% Operating profit before allowances 3,389 3,499 3.2% 938 17.3% 13.1% Allowances for loans and other impairments (654) (163) -75.1% (30) -84.7% -42.0% Share of profits from associate 736 1,030 40.0% 309 40.8% 22.3% Profit before tax 3,471 4,367 25.8% 1,217 47.6% 18.1% Profit after tax 2,861 3,289 15.0% 908 31.6% 15.7% Underlying profit after tax* 2,861 3,599 25.8% Note: *Excluding the one-off tax effect from the "Cukai Makmur" in the announced Budget 2022. HLB FY2022 ended 30 June 2022 25 25

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