Hong Leong Finance Limited · SGX:S41

Hong Leong Finance — Shareholder Meeting (April 2025)

8 slides from Hong Leong Finance's shareholder meeting presentation, Apr 24, 2025

  1. Slide 1: 65th Annual General Meeting: Financial Highlights 2024

    65th Annual General Meeting Financial Highlights 2024 24 April 2025

  2. Slide 2: Contents

    Contents I Financial Performance 2024 II Balance Sheet Position III Customer Loans and Deposits IV Loans Portfolio V Dividends Distribution 1 © Copyright 2025 Hong Leong Finance Limited. All Rights Reserved.

  3. Slide 3: Financial Performance 2024

    Financial Performance 2024 2024 2023 Y-o-Y ($m) ($m) (%) Net interest income 225.1 202.2 11.3 Non interest income 8.2 10.1 (18.5)  Achieved strong net profit at Operating income 233.3 212.3 9.9 $104.1 million, rose 11.5% y-o-y, driven by the expanded net Operating expenses (108.8) (104.9) 3.7 inter

  4. Slide 4: Balance Sheet Position

    Balance Sheet Position  Strong balance sheet with robust 2024 2023 Y-o-Y capital adequacy ratio and minimum ($b) ($b) (%) liquid asset well above regulatory requirements to support lending activities and liquidity buffer. Total Assets 14.6 15.0 (2.2)  Stable funding base, comprising 84% from custo

  5. Slide 5: Customer Loans and Deposits

    Customer Loans and Deposits Loans & Deposits ($b) 12.65 12.30 11.66 11.67  Stable Loan Portfolio with net loan growth at 0.1%.  Deposits base pared down by 2.7% to maximize loan funding  LDR at 95% to optimize lending. Loans Deposits 2023 2024 4 © Copyright 2025 Hong Leong Finance Limited. All Ri

  6. Slide 6: Loans Portfolio

    Loans Portfolio  Key pillars of business remain strong NPL ratio at a low of 0.4%, of which secured  Loan portfolios largely collateralized NPL at 96.7% 47% NPL Mortgage properties 18% 1 Hire Purchase 0.5% 0.4% Vehicles/Industrial 250 63.7 0 200 52.3 -1 150 60.7 -2 50.5 100 -3 3.0 1.8 1% 10% Share

  7. Slide 7: Dividends Distribution

    Dividends Distribution (Dividends per share in cents) Committed to sustainable returns to shareholders 13.75 12.5 31 Aug 2023 Interim dividend of 10.00 3.5 cents per share 9.0 of $15.7m 24 May 2024 Final dividend of 9 cents per share of 3.5 3.75 $40.4m 5 Sep 2024 Interim dividend of 2023 2024 3.75 c

  8. Slide 8: Thank You

    THANK YOU 7 © Copyright 2025 Hong Leong Finance Limited. All Rights Reserved.

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