Financial Highlights: H1FY23

Management Guidance All KPIs within guidance Target FY2023 Hong Leong Bank 7%- 7.5% ~10 ~2.14% ≤38% ~0.60% >12.0% >30% bps Gross Loan Growth Net Interest Margin Cost-to- Income Ratio Gross Impaired Net Credit Cost Return on Equity CASA Mix Loan Ratio Achieved H1FY23 7.6% 2.14% 36.4% 0.49% 4 bps 12.8% 31.3% HLB H1FY23 ended 31 December 2022 4

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