About Hong Leong Bank Berhad

Hong Leong Bank Berhad (HLB) offers a range of financial solutions for individuals, small and medium-sized enterprises (SMEs), and corporates. The company operates as a subsidiary of Hong Leong Financial Group Berhad. The company engages in all aspects of commercial banking business and in the provision of related services. The principal activity of the significant subsidiary consists of Islamic Banking services. Other subsidiary companies are primarily engaging in property investment and management, investment holding and nominee services. The company has a network of branches across Asia, including Labuan Offshore, Singapore, Hong Kong, Vietnam, and Cambodia, along with a full-service call center and self-service terminals, it ensures accessible banking services are available for all customers. The company operates in two main geographical areas: Malaysia, the home country of the company, which includes all the areas of operations in the primary business segments. Overseas operations, which include branch, subsidiary, associate and joint venture operations in Singapore, Hong Kong, China, Vietnam and Cambodia. The overseas operations are mainly in commercial banking and treasury business. Personal Financial Services The company's principal business activities include providing banking services and financial products to individuals so that they can fulfil their needs for property and auto loans/financing, personal loans/financing for their periodic household needs, card and payment products to facilitate everyday spending and transactions, investment and insurance solutions for wealth management and protection needs, deposit and remittance products and services to individuals and small businesses for their liquidity, savings and payment needs, as well as digital banking solutions, including internet and mobile banking services. Wealth Management Wealth management has been expanded to providing comprehensive services through solutions tailored to the company's clients' individual and business needs, spanning across Malaysia and Singapore. Regional Footprint In line with the company's growth strategy, HLB has maintained its footprint in the Asian region. Singapore Operations HLB offers a comprehensive range of financial services to business, retail and high net worth customers through our 4 core business segments - business & corporate banking, personal financial services, private wealth management and global markets. The branch is forging ahead by expanding the client segments value proposition, expanding employee's capabilities and stepping-up its digital transformation to enhance clients' experiences and operational efficiency. Hong Kong Operations The company's Hong Kong branch operates under a full banking license and provides global market and SME/wealth management services to its customers. The Hong Kong branch soft launched its SME business in early 2021 in a very prudent manner and the company started to build up good quality SME pipeline in second quarter of 2022. It will continue to develop the SME business by acquiring good quality customers and sound assets in the new financial year while the global market team will continue to provide treasury market solutions to the company's customers. Vietnam Operations Hong Leong Bank Vietnam Limited (HLBVN), a subsidiary of the company. HLBVN is a full-fledged commercial bank in Vietnam whose principal activities include provision of retail loans, deposit products, wealth management, and priority banking services to individuals. Whereas business banking solutions include working capital and term loans, deposit and liability management products and trade finance services, as well as foreign exchange (forex) and money market services. To date HLBVN has main operations through a branch each in Ho Chi Minh City and Hanoi. Cambodia Operations Hong Leong Bank (Cambodia) PLC (HLBCAM) provides comprehensive financial services covering consumer banking, SME banking, business banking, global markets and transaction banking services. Investment in China HLB was the first Malaysian bank to enter the Chinese banking sector with a strategic investment in Bank of Chengdu Co. Ltd (Bank of Chengdu) and has an 19.76% stake in the company. Bank of Chengdu is a leading city commercial bank in Western and Central China based in Chengdu, the capital of Sichuan Province, and is listed on the Shanghai Stock Exchange. HLB also holds a 12% equity investment in Sichuan JinCheng Consumer Finance Company, a licensed consumer finance firm established in Chengdu. Business and Corporate Banking Principal business activities include the provision of banking solutions to SMEs, commercial and corporate clients, such as deposit and loan services covering business current account, liquidity management, auto-sweep, as well as fixed deposit. Financing options available range from asset acquisition, working capital, business expansion and business automation. HLB also specialises in the provision of transaction banking solutions via cash management, corporate internet banking platform, trade financing and services and merchant payment solutions. Global Markets Global Markets assists the company's institutional and corporate clients on their investment and hedging needs across asset classes, including Foreign Exchange, Fixed Income, Derivatives and Structured Products. On top of managing Clients' treasury requirements, Global Markets also manages the company's excess liquidity and risks arising from the company's transaction and payment flows. Islamic Financial Services Islamic Financial Services are offered by Hong Leong Islamic Bank, a wholly-owned subsidiary of HLB which is focused on providing Shariah-compliant Personal Financial Services, Wealth Management, Business and Corporate Banking and Global Markets products and services. Segments The company operates through Personal Financial Services; Business & Corporate Banking; Global Markets; Overseas/International; and Other segments. Personal Financial Services focuses mainly on servicing individual customers and small businesses. Products and services that are extended to customers include mortgages, credit cards, hire purchase and others. Business and Corporate Banking focuses mainly on corporate and small medium enterprises. Products offered include trade financing, working capital facilities, other term financing and corporate advisory services. Global Markets refers to the Group's domestic treasury and capital market operations and includes foreign exchange, money market operations, as well as capital market securities trading and investments. Overseas/International operations refers to Hong Leong Bank Berhad overseas branches, subsidiaries, and associates. The overseas operations are mainly in commercial banking and treasury business. Other operations include head office and other subsidiaries. History Hong Leong Bank Berhad was founded in 1905. The company was incorporated in 1905.