Hong Leong Financial Group Bhd. · MYX:HLFG
Hong Leong Financial Group Bhd — 1Q FY26 Earnings Presentation
22 slides from Hong Leong Financial Group Bhd's earnings presentation, Nov 27, 2025
Slide 1: 1Q FY26 Results Analyst Presentation
1Q FY26 Results Analyst Presentation 27 November 2025 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 perso
Slide 2: Financial Highlights: 1Q FY26
Financial Highlights: 1Q FY26 Hong Leong Financial Group Berhad 2
Slide 3: Performance Highlights
Performance Highlights 1Q FY26 PATAMI sustained from improved topline, benign provisions and prudent cost management RM’ Mil 0.1% YoY 5.3% 22 27 45 YoY 1,587 (31) (61) 1,590 1Q FY25 PBT Net Interest Non Interest Opex Impairment Operating profit Associates FY25 PBT before associates Change % • 1Q FY2
Slide 4: PBT by segments
PBT by segments Sustained profitability lead by commercial banking and investment banking, offsetting lower insurance contribution HLFG PBT 1Q FY26 YoY PBT (%) (RM’ Mil) Insurance & Group* 1,590 0.1% Takaful, 14% Commercial 1Q FY26: (vs 9M FY24: 15%) Banking, Commercial Banking* RM1.59 bil 1,351 0.9
Slide 5: Net Interest Income & Non-Interest Income
Net Interest Income & Non-Interest Income Higher NoII ratio of 33.4% supported by stronger fee income growth Operating Income Breakdown (RM’ Mil) Change % RM’ mil 1Q FY25 1Q FY26 (YoY) 1,892 1,941 622 649 Net Interest Income 1,270 1,292 1.7% NOII Non-Interest Income 622 649 4.4% NII 1,270 1,292 Tota
Slide 6: Operating Expense
Operating Expense 1Q FY26 CIR improved by 320 bps on positive JAWS to 33.3%, one of the lowest in the industry (RM’ Mil) Administration and general 14% 36.5% Marketing 7% 1Q FY26 OPEX: RM646 mil Personnel 33.3% 58% Establishment 21% 691 Change % RM’ mil 1Q FY25 1Q FY26 (YoY) 646 Personnel 380 373 (2
Slide 7: Asset Quality
Asset Quality Solid asset quality with a stable GIL ratio and high coverage ratio Credit Cost (Bps) 10 7 6 1 -6 FY22 FY23 FY24 FY25 1Q FY26 Gross Impaired Loans Ratio (Bps) 54 55 57 54 57 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Loans/Financing Impairment Coverage (LIC) (%) 265.3% 260.8% 251.3% 259.3% 244
Slide 8: Liquidity & Capital
Liquidity & Capital Capital and liquidity remains sound and above regulatory thresholds Capital Adequacy (%) 14.1% 14.6% 14.2% CAR 12.3% 12.7% 12.3% Tier 1 CET1 11.3% 11.8% 11.3% Sep-24 Jun-25 Sep-25 Note: ` Capital base & ratio after final dividends Liquidity Ratios (%) Loan-to-Deposit Ratio 87.4%
Slide 9: Shareholder Value
Shareholder Value 1Q FY26 PATAMI sustained at RM841 million, ROE remains commendable at 10.4% PATAMI & ROE Book Value Per Share RM ’BIL RM 11.1% 11.2% 10.4% 10.5% 10.4% 3.20 2.88 3.25 2.45 28.5 26.3 24.3 21.7 20.3 0.84 0.85 FY22 FY23 FY24 FY25 1Q FY26 Sep-21 Sep-22 Sep-23 Sep-24 Sep-25 PATAMI ROE 1Q
Slide 10: Commercial Banking: Hong Leong Bank
Commercial Banking: Hong Leong Bank Improved performance driven by topline expansion, cost discipline and benign asset quality Change % Change Income Statement (RM’ mil) 1Q FY25 1Q FY26 Key Operating Ratios 1Q FY25 1Q FY26 (YoY) (bps) Net Interest Income 1,244 1,274 2.4% Profitability & Efficiency (
Slide 11: Insurance & Takaful: HLA Holdings
Insurance & Takaful: HLA Holdings Lower PBT attributable to decline in net insurance service results Change % PBT (RM’ mil) 1Q FY25 1Q FY26 (YoY) Life Insurance 196 178 (9.5%) Life Insurance & General Family Takaful 0 1 80.0% Family Takaful, Insurance PBT 1Q FY26* 82% of PBT RM217 mil 17% of PBT Sin
Slide 12: Life Insurance & Family Takaful
Life Insurance & Family Takaful Gross premiums improved by 2.4% from higher family takaful contribution Gross Premiums & Contributions: Segment* Gross Premium & Contributions: Mix* Gross Premiums & Contributions channel mix* RM’ mil RM’ mil RM’ mil 2.4% YoY 2.4% YoY 2.4% YoY 907 929 907 929 907 929
Slide 13: Life Insurance & Family Takaful
Life Insurance & Family Takaful New business -7.5% y-o-y as result of lower agency force and banca contributions Combined* New Business mix Combined* New Business: Channel mix RM’ mil -7.5% YoY Change % (RM’ mil) 1Q FY25 1Q FY26 307 (YoY) 284 Agency 128.1 113.0 (11.8%) 184 146 Banca 150.0 138.0 (8.0
Slide 14: Investment Banking: HLCB
Investment Banking: HLCB PBT growth driven by higher investment banking contributions, offsetting reduced stockbroking income Change % Asset Management HLCB average ROE RM’ mil 1Q FY25 1Q FY26 (YoY) Average AUM (RM’ bil) (%) Net Interest Income 16 16 (1.9%) Non-Interest Income 41 44 7.2% Total incom
Slide 15: Closing Remarks
Closing Remarks Hong Leong Financial Group Berhad 15
Slide 16: Closing Remarks
Closing Remarks • Positive start for HLFG core business as demonstrated by 5.3% YoY operating profit before associates. • Inclusive of profit contribution from its associates, HLFG net profit sustained YoY following the Bank’s natural dilution of its BOCD stake and FX translation impact from a stron
Slide 17: Supplementary Information
Supplementary Information Hong Leong Financial Group Berhad 17
Slide 18: Key Financial Summary
Key Financial Summary Change % Change % RM’ mil 1Q FY25 1Q FY26 4Q FY25 1Q FY26 (YoY) (QoQ) Net Interest Income 1,270 1,292 1.7% 1,255 1,292 2.9% Non-Interest Income 622 649 4.4% 508 649 27.8% Total income 1,892 1,941 4.6% 1,763 1,941 10.1% Operating expenses (691) (646) (6.6%) (587) (646) 10.0% Ope
Slide 19: Key Financial Summary
Key Financial Summary Change % Change % (%) 1Q FY25 1Q FY26 4Q FY25 1Q FY26 (YoY) (QoQ) Profitability Return on Average Equity (ROE) 11.3% 10.4% 10.6% 10.4% Non-interest income / total income 32.9% 33.4% 28.8% 33.4% Cost-to-income Ratio 36.5% 33.3% 33.3% 33.3% = Asset Quality LIC (excl. Reg. Reserve
Slide 20: HLFG Corporate Structure
HLFG Corporate Structure Financial services holding co. *65.5% 100% *73.7% Hong Leong Bank HLA Holdings Hong Leong Capital Commercial banking Insurance holding co. Investment holding 100% 70% 100% Hong Leong Islamic Bank Hong Leong Assurance Hong Leong Investment Bank Islamic banking Life insurance
Slide 21: Disclaimer
Disclaimer This presentation has been prepared by Hong Leong Financial Group (“HLFG”) for selected recipients for information purposes only. The information contained herein is believed to be correct as of the date of this presentation and is given in summary form and does not purport to be complete
Slide 22: THANK YOU
THANK YOU Hong Leong Financial Group Berhad 22
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