Hong Leong Financial Group Bhd. · MYX:HLFG
Hong Leong Financial Group Bhd — 9M FY2026 Earnings Presentation
23 slides from Hong Leong Financial Group Bhd's earnings presentation, May 26, 2026
Slide 1: 9M FY26 Results Analyst Presentation
9M FY26 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
Slide 2: Financial Highlights: 9M FY26
Financial Highlights: 9M FY26 Hong Leong Financial Group Berhad 2
Slide 3: Performance Highlights
Performance Highlights 9M FY26 PATAMI improvement from higher topline and prudent cost management RM’ Mil 0.9% YoY 105 97 2.8% (9) 4,531 (6) (99) YoY (63) (Normalised 4,539 basis) 4,581 9M FY25 PBT One-off items from 9M FY25 PBT Net Interest Non Interest Opex Impairment Operating profit Associates 9
Slide 4: PBT by entity
PBT by entity Sustained PBT underpinned by growth across all businesses HLFG PBT 9M FY26 YoY PBT (%) (RM’ Mil) Group* Insurance and 4,581 0.9% Takaful 11% (vs 9M FY25: 11%) Commercial 9M FY26: Banking Commercial Banking* RM4.58 bil* 4,015 0.3% 88% (vs 9M FY25: 88%) 0.9% YoY Investment Banking & Fund
Slide 5: Net Interest Income & Non-Interest Income
Net Interest Income & Non-Interest Income NII growth driven by above industry loan growth; NOII flat mainly attributable to lower Trading & FX gains Operating Income Breakdown (RM’ Mil) Change % 5,454 5,552 RM’ mil 9M FY25 9M FY26 (YoY) 1,713 1,707 Net Interest Income 3,740 3,845 2.8% NOII Non-Inter
Slide 6: Operating Expense
Operating Expense 9M FY26 CIR improved by 240 bps on positive JAWS to 35.1%, one of the lowest in the industry (RM’ Mil) Administration and general 15% 37.5% Marketing 8% 9M FY26 OPEX: 35.1% RM1,949 mil Personnel 4.7% YoY 56% Establishment 21% Change % RM’ mil 9M FY25 9M FY26 2,046 (YoY) 1,949 Perso
Slide 7: Asset Quality
Asset Quality Solid asset quality with a stable GIL ratio and robust coverage ratio Credit Cost (Bps) 10 6 5 1 -6 FY22 FY23 FY24 FY25 9M FY26 Gross Impaired Loans Ratio (Bps) 57 57 59 60 54 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Loans/Financing Impairment Coverage (LIC) (%) 251.3% 259.3% 244.4% 241.0% 2
Slide 8: Liquidity & Capital
Liquidity & Capital Capital and liquidity remains sound and above regulatory thresholds Capital Adequacy (%) 14.0% 14.2% 14.0% CAR 12.1% 12.3% 12.1% Tier 1 11.1% 11.3% 11.1% CET1 Mar-25 Dec-25 Mar-26 Note: ` Capital base & ratio after final dividends Liquidity Ratios (%) Loan-to-Deposit Ratio 88.4%
Slide 9: Shareholder Value
Shareholder Value 9M FY26 PATAMI improved by 3.7% YoY; ROE remains commendable at 10.1% PATAMI & ROE Book Value Per Share RM ’BIL RM 11.1% 11.2% 10.4% 10.5% 10.1% 3.20 3.25 2.88 27.8 29.6 23.0 25.8 21.0 2.45 2.49 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Dividend Per Share 2.40 72 49 54 46 22 15 17 18 20 F
Slide 10: Commercial Banking: Hong Leong Bank
Commercial Banking: Hong Leong Bank Sustained performance on the back of topline expansion, cost discipline and solid asset quality Change % Change Income Statement (RM’ mil) 9M FY25 9M FY26 Key Operating Ratios 9M FY25 9M FY26 (YoY) (bps) Net Interest Income 3,663 3,793 3.5% Profitability & Efficie
Slide 11: Insurance & Takaful: HLA Holdings
Insurance & Takaful: HLA Holdings PBT growth driven by stronger net investment income and higher associate contribution Change % PBT (RM’ mil) 9M FY25 9M FY26 (YoY) Life Insurance 357 408 14.3% Life Insurance & General Family Takaful 31 4 (86.7%) Family Takaful, Insurance PBT 9M FY26* 80% of PBT RM5
Slide 12: Life Insurance & Family Takaful (MFRS 17)
Life Insurance & Family Takaful (MFRS 17) HLA and HLMT CSM flat YTD from new business additions, offsetting unfavourable economic & non-economic factors HLA & HLMT Contractual Service Margin YTD (Jun-25 to Mar-26) RM’ mil 161 12 (120) (60) 1,764 1,758 CSM as at Jun-25 New Business CSM CSM Release Ex
Slide 13: Life Insurance & Family Takaful
Life Insurance & Family Takaful Gross premiums flat from stronger renewals, offset by lower new business premiums/contributions Gross Premiums & Contributions: Segment* Gross Premium & Contributions: Mix* Gross Premiums & Contributions channel mix* RM’ mil RM’ mil RM’ mil 0.4% YoY 0.4% YoY 0.4% YoY
Slide 14: Life Insurance & Family Takaful
Life Insurance & Family Takaful Pivot for higher protection mix on-track; Holistic efforts to improve agency recruitment and productivity HLA Annualised Premiums: Protection & Saving Mix Combined* No. of Agents 35% 14,646 41% 13,678 Protection 9M FY25 9M FY26 Saving 65% Lower HLA and HLMT number of
Slide 15: Investment Banking: HLCB
Investment Banking: HLCB PBT growth driven by strong Treasury & Markets performance and higher returns from equity investments, offsetting lower Stockbroking and Fund management income Change % Asset Management HLCB average ROE RM’ mil 9M FY25 9M FY26 (YoY) Average AUM (RM’ bil) (%) Net Interest Inc
Slide 16: Closing Remarks
Closing Remarks Hong Leong Financial Group Berhad 16
Slide 17: Closing Remarks
Closing Remarks • HLFG improved PATAMI by +3.7% YoY, driven by topline growth, stringent cost controls and solid asset quality. • A prolonged Middle East conflict carries the risk of sustained energy price shocks and exacerbated inflationary pressures, which may ultimately contract global trade and
Slide 18: Supplementary Information
Supplementary Information Hong Leong Financial Group Berhad 18
Slide 19: Key Financial Summary
Key Financial Summary Change % Change % RM’ mil 9M FY25 9M FY26 2Q FY26 3Q FY26 (YoY) (QoQ) Net Interest Income 3,740 3,845 2.8% 1,281 1,273 (0.6%) Non-Interest Income 1,713 1,707 (0.3%) 637 421 (34.0%) Total income 5,454 5,552 1.8% 1,918 1,694 (11.7%) Operating expenses (2,046) (1,949) (4.7%) (636)
Slide 20: Key Financial Summary
Key Financial Summary Change % Change % (%) 9M FY25 9M FY26 2Q FY26 3Q FY26 (YoY) (QoQ) Profitability Return on Average Equity (ROE Annualised) 10.4% 10.1% 10.9% 8.9% Non-interest income / total income 31.4% 30.8% 33.2% 24.8% Cost-to-income Ratio 37.5% 35.1% 33.2% 39.4% Asset Quality LIC (excl. Reg.
Slide 21: 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 22: 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 23: THANK YOU
THANK YOU Hong Leong Financial Group Berhad 23
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