Hong Leong Finance Income Statement

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	458.09	504.82	498.4	307.34	224.43	282.45
Interest Income on Investments	78.75	88.48	70.7	29.84	15.54	28.34
Total Interest Income	536.84	593.29	569.1	337.18	239.98	310.79
Interest Paid on Deposits	335.24	368.24	366.89	94.94	62.01	163.94
Net Interest Income	201.6	225.05	202.21	242.23	177.97	146.85
Net Interest Income Growth (YoY)	-5.54%	11.30%	-16.52%	36.11%	21.19%	-27.20%
Gain (Loss) on Sale of Assets	-	-	-0	-	-0	1.36
Other Non-Interest Income	8.39	8.23	10.1	16.51	11.45	10.59
Total Non-Interest Income	8.39	8.23	10.1	16.51	11.45	11.94
Non-Interest Income Growth (YoY)	-13.35%	-18.49%	-38.83%	44.16%	-4.12%	-14.92%
Revenues Before Loan Losses	209.99	233.28	212.31	258.74	189.42	158.79
Provision for Loan Losses	-4.38	-0.28	-4.63	2.75	0.06	7.73
Revenue	214.37	233.57	216.93	255.99	189.36	151.06
Revenue Growth (YoY)	-5.62%	7.67%	-15.26%	35.19%	25.35%	-29.47%
Salaries and Employee Benefits	83.75	81.16	80.08	73.06	64.09	54.36
Occupancy Expenses	9.1	8.5	7.56	7.94	8.01	7.92
Selling, General & Administrative	0.52	0.54	0.5	0.39	0.48	0.39
Other Non-Interest Expense	20.53	18.61	16.77	17.48	14.84	13.37
Total Non-Interest Expense	113.9	108.8	104.91	98.88	87.41	76.04
EBT Excluding Unusual Items	100.48	124.76	112.03	157.11	101.94	75.02
Other Unusual Items	-	-	-	-	-	-0.3
Pretax Income	100.48	124.76	112.03	157.11	101.94	74.72
Income Tax Expense	16.76	20.68	18.66	26.23	17.12	10.81
Net Income	83.71	104.08	93.37	130.88	84.82	63.91
Net Income to Common	83.71	104.08	93.37	130.88	84.82	63.91
Net Income Growth	-15.77%	11.47%	-28.66%	54.30%	32.72%	-38.00%
Basic Shares Outstanding	449	449	448	448	448	448
Diluted Shares Outstanding	449	449	449	448	448	448
Shares Change (YoY)	0.02%	0.02%	0.09%	0.10%	0.05%	0.09%
EPS (Basic)	0.19	0.23	0.21	0.29	0.19	0.14
EPS (Diluted)	0.19	0.23	0.21	0.29	0.19	0.14
EPS Growth	-15.79%	11.44%	-28.71%	54.12%	32.63%	-38.05%
Dividend Per Share	0.128	0.138	0.125	0.170	0.120	0.090
Dividend Growth	-	10.00%	-26.47%	41.67%	33.33%	-40.00%
Effective Tax Rate	16.68%	16.58%	16.65%	16.70%	16.80%	14.47%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.