Financial Highlights: H1FY23

Key Financial Highlights Resilient performance amidst challenging operating environment Total Income • Improved topline underpinned by • loan/financing expansion and stronger non- interest income contribution RM'mil 2,986 2,751 9% H1FY22 H1FY23 GIL & Coverage Ratio • Asset quality remains solid with sufficient loan impairment coverage • 282% 280% 212% 210% LIC (including security value) 0.49% 0.49% FY2022 H1FY23 Opex & CIR Optimised expenses, delivering positive JAWS with an improved CIR • 37.1% 36.4% RM'mil 1,087 1,020 H1FY22 H1FY23 Hong Leong Bank Operating Profit Healthy profitability supported by stronger underlying business performance RM'mil 1,900 1,731 10% H1FY22 H1FY23 Gross Loans/Financing Loans/financing portfolio maintained solid growth trajectory led by mortgages, SME and commercial business banking Deposits Expansion in deposit base while maintaining stable CASA RM'bil 172.3 160.1 ▲ 8% H1FY22 H1FY23 RM'bil 198.9 188.6 A5% HLB H1FY23 ended 31 December 2022 H1FY22 H1FY23 3

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