Hong Leong Finance Income Statement

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

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	383.75	504.82	498.4	307.34	224.43
Interest Income on Investments	60.96	88.48	70.7	29.84	15.54
Total Interest Income	444.71	593.29	569.1	337.18	239.98
Interest Paid on Deposits	276.13	368.24	366.89	94.94	62.01
Net Interest Income	168.57	225.05	202.21	242.23	177.97
Net Interest Income Growth (YoY)	-25.10%	11.30%	-16.52%	36.11%	21.19%
Gain (Loss) on Sale of Assets	-0.01	-	-0	-	-0
Other Non-Interest Income	14.87	8.23	10.1	16.51	11.45
Total Non-Interest Income	14.87	8.23	10.1	16.51	11.45
Non-Interest Income Growth (YoY)	80.62%	-18.49%	-38.83%	44.16%	-4.12%
Revenues Before Loan Losses	183.44	233.28	212.31	258.74	189.42
Provision for Loan Losses	-4.26	-0.28	-4.63	2.75	0.06
Revenue	187.7	233.57	216.93	255.99	189.36
Revenue Growth (YoY)	-19.64%	7.67%	-15.26%	35.19%	25.35%
Salaries and Employee Benefits	81.6	81.16	80.08	73.06	64.09
Occupancy Expenses	9.29	8.5	7.56	7.94	8.01
Selling, General & Administrative	0.57	0.54	0.5	0.39	0.48
Other Non-Interest Expense	20.73	18.61	16.77	17.48	14.84
Total Non-Interest Expense	112.19	108.8	104.91	98.88	87.41
EBT Excluding Unusual Items	75.51	124.76	112.03	157.11	101.94
Pretax Income	75.51	124.76	112.03	157.11	101.94
Income Tax Expense	12.79	20.68	18.66	26.23	17.12
Net Income	62.72	104.08	93.37	130.88	84.82
Net Income to Common	62.72	104.08	93.37	130.88	84.82
Net Income Growth	-39.74%	11.47%	-28.66%	54.30%	32.72%
Basic Shares Outstanding	449	449	448	448	448
Diluted Shares Outstanding	450	449	449	448	448
Shares Change (YoY)	0.16%	0.02%	0.09%	0.10%	0.05%
EPS (Basic)	0.14	0.23	0.21	0.29	0.19
EPS (Diluted)	0.14	0.23	0.21	0.29	0.19
EPS Growth	-39.85%	11.44%	-28.71%	54.12%	32.63%
Dividend Per Share	0.089	0.138	0.125	0.170	0.120
Dividend Growth	-35.27%	10.00%	-26.47%	41.67%	33.33%
Effective Tax Rate	16.94%	16.58%	16.65%	16.70%	16.80%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.