HLB FY2023 Financial Results

Guidance for FY2024 Strong loan/financing growth momentum of 6% to 7% NIM in the region of 1.8% to 1.9% Sustainable CIR ratio of <40% Uphold GIL ratio <0.70% ☐ Net credit cost of ~10 bps Continue to drive CASA with a mix of >30% Robust ROE of ~12% HLB FY2023 ended 30 June 2023 Hong Leong Bank Anchoring on our solid foundation to deliver sustainable outcomes through committed execution of aligned strategic priorities 20 20

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