Hong Leong Bank Bhd · MYX:HLBANK
Hong Leong Bank Bhd — 9MFY26 Earnings Presentation
24 slides from Hong Leong Bank Bhd's earnings presentation, May 26, 2026
Slide 1: 9MFY26 Results Analyst Presentation
9MFY26 RESULTS ANALYST PRESENTATION 26 MAY 2026 The information contained in this presentation is strictly confidential for information of the intended recipient(s) only. The information may not be reproduced, redistributed or transmitted, directly or indirectly by any means to any other person or p
Slide 2: GMD/CEO Opening
1 GMD/CEO OPENING HLB 9MFY26 ended 31 March 2026 2
Slide 3: CEO Message
CEO Message 1 Resilient Topline Performance Strong momentum in loans/financing expansion complemented by stable 2 Growth Engines Demonstrating strength of underlying business non-interest income contribution amidst external headwinds Key growth areas: Operating Profit Before Total Income Allowances
Slide 4: Management Guidance
Management Guidance Target FY2026 Achieved 9MFY26 Gross Loans Growth 6.0%-7.0% 8.4% Net Interest Margin 1.80%-1.90% 1.83% Cost-to-Income Ratio ~39.0% 37.2% Strive to achieve FY2026 targets while navigating a GIL Ratio <0.65% 0.60% challenging backdrop Net Credit Cost <10 bps 5 bps CASA Mix
Slide 5: Financial Highlights
2 FINANCIAL HIGHLIGHTS HLB 9MFY26 ended 31 March 2026 5
Slide 6: Profit & Loss
Profit & Loss 2.6% RM’mil 2,912 129 25 21 2,988 ▲ y-o-y 99 Pre-BOCD Profit Net Interest Non Interest Opex Impairment & Pre-BOCD Profit 9MFY25 Income Income write back 9MFY26 (normalised) Change % Change % Resilient RM’mil 9MFY25 9MFY26 Q3FY26 (YoY) (YoY) underlying Total income 4,778 4,932 3.2% 1,58
Slide 7: Net Interest Income & NIM
Net Interest Income & NIM 1.87% 1.90% 1.90% 1.84% 1.83% 1.84% 1.83% ▲ 7 bps y-o-y Quarterly 3,793 ▲ 3.5% NIM uptick y-o-y 3,663 supported by loans/financing RM’mil 1,264 1,274 1,264 1,255 growth and 1,191 disciplined funding cost management Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 9MFY25 9MFY26 Net intere
Slide 8: Non-Interest Income
Non-Interest Income 23.3% 23.1% 9MFY26 Wealth 1,140 2.2% 1,115 ▲ Management and ▲ 18.3% RM’mil y-o-y 189 179 Bancassurance RM280.6 mil Sustained NoII Income contribution underpinned by 382 390 continued selected GM Franchise ▲ 22.8% indicators: double-digit Sales Income RM375.2 mil traction in wealt
Slide 9: Operating Expense
Operating Expense Domestic 37.2% Admin & general 35.2% CIR 16% Personnel cost 54% Marketing 38.8% 9% 37.2% 9MFY26 Continuous RM’mil 1,854 1,833 positive JAWS 301 284 reflecting Establishment 167 158 21% productivity gains from AI 383 393 realisation RM’mil alongside 596 630 disciplined cost 601 626
Slide 10: Loans & Financing
Loans & Financing +5,664 +1,047 +10,194 218,183 (+10.5%) (+7.2%) 8.4% RM’mil 201,247 (+7.7%) ▲ y-o-y 8.0% y-o-y Continuous Total Loans as at Retail Business & Corporate International Total Loans as at commitment to Mar 2025 Operations Mar 2026 supporting 9MFY26 customers’ Domestic financing needs Re
Slide 11: Asset Quality
Asset Quality Gross Impaired Loans/Financing (GIL) Loans/Financing Impairment Coverage (LIC) 243% 240% 237% 1.41% 1.37% 1.39% 0.57% 0.59% 0.60% 160% 154% 151% Solid asset quality supported by well- positioned RM’mil loans/financing 1,276 1,315 1,215 90% impairment 85% coverage 83% 89% 84% 81% Q1FY26
Slide 12: Asset Quality
Asset Quality Malaysia Overseas Industry GIL: 1.39% 1.57% 1.76% 1.72% 0.50% 0.50% 0.52% (+2bps q-o-q) 0.68%* 0.93%* 0.93%* 989 1,011 1,046 124 123 Single case in SG 129 of ~SGD39 mil, which is fully collaterised 98 140 145 Q1FY26 Q2FY26 Q3FY26 Q1FY26 Q2FY26 Q3FY26 Closely Note: * GIL ratio excluding
Slide 13: Deposit
Deposit +6,745 (+19.3%) 243,542 8.3% RM’mil +9,594 +2,240 ▲ (+14.1%) (+1.8%) y-o-y 224,964 Concerted efforts Total Deposits as at CASA Fixed Deposit Market Deposit Total Deposits in community Mar 2025 as at Mar 2026 deposit acquisition and impactful cash 9MFY26 management Individual solutions drive
Slide 14: Liquidity & Capital
Liquidity & Capital Liquidity Ratios Capital Adequacy^ 132% 133% 133% 131% 129% 120% 117% 118% 118% 16.3% 117% 15.7% 15.6% 15.7% 15.4% Maintaining 13.7% 14.2% prudent liquidity 13.6% 13.5% 13.3% Average LDR of and capital top 5 domestic banks Dec’25: 92.9% positions for sustainable 87.9% 86.5% 88.1%
Slide 15: Shareholder Value
Shareholder Value Return on Equity and Return on Assets Net Assets & Earnings Per Share 205 208 • Continued focus 186 on driving value 11.8% 11.8% 11.2% 11.0% 155 160 creation for our shareholders amidst challenging environment 1.43% 1.45% 1.40% 1.39% • Higher NAV per 18.2 19.2 18.8 19.6 share and E
Slide 16: Performance of Associated Company: Bank of Chengdu Co., Ltd.
Performance of Associated Company: Bank of Chengdu Co., Ltd. Financial Highlights for financial year ended 31 December 2025 (audited) and Q1 ended 31 March 2026 (unaudited) Operating Income FY2025 RMB'mil 22,982 23,603 Strong Gross Loan RMB858 bil 3% ▲ 16% y-o-y Solid GIL Ratio 0.68% 5,817 6,198 Pee
Slide 17: Closing Remarks
3 CLOSING REMARKS HLB 9MFY26 ended 31 March 2026 17
Slide 18: Refreshed Brand Identity and Strengthened Core Proposition
Refreshed Brand Identity and Strengthened Core Proposition Rebranding to HLB Islamic • Deliberate shift to align with the core HLB brand • Making Shariah-compliant solutions more intuitive, accessible and digitally integrated Scaling the Shariah-Compliant Franchise • To elevate HLB Islamic into a pr
Slide 19: Recognition for Disciplined Navigation of a Complex Transformation
Recognition for Disciplined Navigation of a Complex Transformation Hong Leong Bank awarded Best Managed Bank in Malaysia by The Asian Banker, Group MD/CEO Kevin Lam named Best Bank CEO in Malaysia • “One Bank” strategy, eliminating legacy silos in favor of a unified, cross-functional ecosystem • Mar
Slide 20: Closing Remarks
Closing Remarks ▪ Delivering steady topline and operating profit growth, reflecting the resilience of our core franchise business against a challenging backdrop ▪ Commendable loans/financing growth of 8.4% y-o-y coupled with sustained NoII contribution at >23% mix Maintaining strategic discipline wh
Slide 21: Supplementary Information
4 SUPPLEMENTARY INFORMATION HLB 9MFY26 ended 31 March 2026 21
Slide 22: Group Performance
Group Performance Change % Change % RM’mil 9MFY25 9MFY26 Q3FY26 (YoY) (YoY) Net interest income 3,663 3,793 3.5% 1,255 5.4% Non interest income 1,115 1,140 2.2% 325 -9.0% Total income 4,778 4,932 3.2% 1,580 2.1% Operating expenses (1,854) (1,833) -1.1% (630) 4.9% Operating profit before allowances 2
Slide 23: HLB Islamic Key Highlights
HLB Islamic Key Highlights Change % Change % RM’mil 9MFY25 9MFY26 Q3FY26 (YoY) (YoY) Total Net Income 948 881 -7.1% 280 -24.7% Operating expenses (284) (307) 8.2% (102) 5.8% Profit before taxation and zakat 664 573 -13.6% 177 -35.4% Profit after taxation and zakat 500 435 -13.0% 135 -35.0% Cost-to-i
Slide 24: Thank You
Disclaimer This presentation has been prepared by Hong Leong Bank (“HLB”) for selected recipients for information purposes only and the information contained herein has been obtained from sources believed to be reliable. The information contained herein is believed to be correct as of the date of th
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