Financial Highlights: H1FY23

Liquidity & Capital Prudent liquidity and capital positions Loan-to-Deposit Ratio (LDR) Capital Adequacy^ Hong Leong Bank 16.7% 16.1% 16.1% 88.6% ... ..87.6%. ..... 87.0% 86.4% 86.9% 15.7% 15.4% 14.5% 14.0% 14.0% 13.6% 13.3% 13.4% 84.4% 83.5% 83.9% 83.5% 85.0% 13.1% 12.7% 12.9% 13.0% FY2019 FY2020 FY2021 FY2022 H1FY23 ...... Industry LDR HLB LDR Note: Industry data derived from banking system's commercial banks plus Islamic banks only 130% 125% 85% 73% Liquidity Coverage Ratio (LCR) Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 CET1 Tier 1 Total Capital Ratio Net Stable Funding Ratio (NSFR) Loan to Funds Ratio (LTF) Loan to Funds & Equity Ratio (LTFE) Note: Capital base & ratio after proposed dividends HLB H1FY23 ended 31 December 2022 13

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