HLB FY2022 Financial Highlights

Management Guidance Guidance for FY2023 - should continue to see positive momentum in the year ahead FY2022 Actual Hong Leong Bank 8.0% y-o-y 2.14% 37.5% 0.49% 10 bps 10.9% 33.5% Gross Loan Growth Net Interest Margin Cost-to- Income Ratio Gross Impaired Net Credit Cost Return on Equity CASA Mix Loan Ratio Target FY2023 ~7% >2.10% ≤40% <0.75% 10-15 bps -11% >30% HLB FY2022 ended 30 June 2022 22

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