HLB FY2022 Financial Highlights

Liquidity & Capital Robust liquidity and capital positions - supporting business growth continuously Loan-to-Deposit Ratio (LDR) Capital Adequacy^ Hong Leong Bank 16.7% 89.2% 88.6% 87.6% ....... 87.0% 86.3% 16.2% 15.7% 15.7% 15.4% 14.5% 14.1% 13.5% 13.6% 13.3% 13.6% 13.4% 82.0% 84.4% 83.5% 83.9% 83.5% 13.0% 13.1% 12.7% FY2018 FY2019 FY2020 FY2021 FY2022 ...Industry LDR ...HLB LDR Note: Industry data derived from banking system's commercial banks plus Islamic banks only 145% 127% 85% 73% Liquidity Coverage Ratio (LCR) Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 ■CET1 ■Tier 1 Total Capital Ratio Net Stable Funding Ratio (NSFR) Loan to Funds Ratio (LTF) Loan to Funds & Equity Ratio (LTFE) Note: Capital base & ratio after proposed dividends HLB FY2022 ended 30 June 2022 15

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