HLB FY2022 Financial Highlights

Operating Expense Improved CIR driven by higher top-line and strategic cost management Domestic CIR 35.9% 35.4% 38.0% 37.5% RM'mil 2,078 2,098 227 253 150 171 509 521 Hong Leong Bank Personnel cost 55% Marketing 8% Operating Expenses Admin & general 12% O Establishment 25% FY2022 Optimised CIR - hovering at similar levels q-o-q 40.0% 36.8% 37.4% 38.4% ... 37.4% 1,192 1,154 RM'mil 560 532 507 513 518 FY2021 Personnel cost Marketing CIR FY2022 Establishment Admin & general Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 I Operating expenses ...CIR HLB FY2022 ended 30 June 2022 10

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