HLB FY2023 Financial Results

Management Guidance Gross Loans Growth Target FY2023 Achieved FY2023 ~7% 8.0% Net Interest Margin ~2.00% 1.98% Cost-to-Income Ratio ≤38% 39.3% GIL Ratio ~0.60% 0.57% Net Credit Cost ~10 bps 6 bps Return on Equity >12.0% 11.8% CASA Mix >30% 30.8% Hong Leong Bank Delivering a set of commendable results against the challenging operating backdrop 4 HLB FY2023 ended 30 June 2023

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