Revenue distribution by industry:

1. Retail Banking: approx. 40%
2. Corporate Banking: approx. 30%
3. Investment Banking and Wealth Management: approx. 20%
4. Other Financial Services: approx. 10%

TOP 3 markets and their percentage shares:

1. Malaysia: approx. 70%
2. Singapore: approx. 15%
3. Vietnam: approx. 10%

Hong Leong Bank Berhad generates the majority of its revenue from Retail Banking, which includes both retail customers and small and medium-sized enterprises. Corporate Banking and Investment Banking also contribute significantly to the income.

The main market for Hong Leong Bank Berhad remains Malaysia, where the company has a strong presence and market leadership. Singapore and Vietnam are important growth markets that are being further developed through strategic expansions and partnerships.

Production Sites: Malaysia, Singapore, Vietnam, Hong Kong, Cambodia

Hong Leong Bank Berhad is primarily a financial services group and is not directly involved in the production of physical products. Its main activities include banking services, lending, and asset management.

The bank operates mainly in Malaysia but also has branches and subsidiaries in other Asian countries such as Singapore, Vietnam, Hong Kong, and Cambodia. These locations are used to provide financial services and not for physical production.

Growth Strategy: Digitization and Technology Transformation

Customer Centricity: Expansion of personalized services

Sustainability: Investments in green financial products

Hong Leong Bank Berhad is focusing on digitization and technology transformation to secure future growth. The company is heavily investing in digital platforms and technologies to enhance customer experience and offer more efficient services.

Another key focus is on customer centricity. The bank plans to further personalize its services to better meet the individual needs of its customers. This includes tailored financial products and services enabled by the use of data analytics.

Additionally, Hong Leong Bank is pursuing a sustainability strategy by investing in green financial products. This initiative aims to support environmentally friendly projects and reduce the bank's ecological footprint.

Main Imported Raw Materials/Items: Paper, IT hardware, bank equipment

Countries of Origin: China, Japan, USA

Hong Leong Bank Berhad, as one of the leading banks in Malaysia, mainly imports materials and equipment necessary for its banking operations. This includes paper for daily business operations, IT hardware for digital infrastructure, and specific bank equipment.

China is a significant supplier of IT hardware and electronic components, while Japan is known for high-quality technology products. The USA supplies specialized bank equipment and software solutions. These imports are crucial to ensuring the smooth operation and technological competitiveness of the bank.

Market share in Malaysia: 8.5% (2024)
Return on equity (ROE): 11.2% (2024)
Cost efficiency (cost-to-income ratio): 42.5% (2024)

Hong Leong Bank Berhad has a significant competitive advantage reflected in several key performance indicators. With a market share of 8.5% in Malaysia, the bank positions itself as one of the leading players in the Malaysian banking sector. This strong market presence enables the bank to benefit from economies of scale and serve a broad customer base.

The return on equity of 11.2% indicates that Hong Leong Bank efficiently utilizes capital to generate profits, pointing to solid corporate governance and effective business strategies. Furthermore, the cost-to-income ratio of 42.5% is an indicator of the bank's high cost efficiency, as it is well below the industry average.

In summary, Hong Leong Bank Berhad has a clear competitive advantage in the Malaysian banking sector through its strong market position, efficient capital utilization, and cost efficiency. This allows the bank to operate successfully in a competitive environment and achieve further growth.

Institutional Investor Share: approximately 55% (2025, estimated)

Insider Purchases/Sales: No significant transactions in the last 12 months (2025, estimated)

The institutional investor share in Hong Leong Bank Berhad is around 55%, indicating a strong trust from institutional investors in the stability and growth potential of the bank. This is typical for large publicly traded companies in Malaysia, which are often held by pension funds, investment funds, and other institutional investors.

Regarding insider transactions, there have been no significant purchases or sales in the last year, suggesting that the management and other insiders are satisfied with the current company strategy and valuation. Such information is important as it is often seen as an indicator of management's confidence in the company's future development.

Market share of Hong Leong Bank Berhad: 8% (estimated, 2025)

Main competitors and their market shares:

1. Maybank (Malayan Banking Berhad): 25%
2. CIMB Group Holdings Berhad: 20%
3. Public Bank Berhad: 18%
4. RHB Bank Berhad: 10%
5. Hong Leong Bank Berhad: 8%
6. AmBank Group: 7%
7. Bank Islam Malaysia Berhad: 5%

Moat of Hong Leong Bank Berhad:

Hong Leong Bank Berhad has a moderate moat, mainly based on its strong brand presence and well-diversified portfolio. The bank has made a name for itself in Malaysia through innovative digital banking solutions and a solid customer base.

In comparison to larger competitors like Maybank and CIMB, which have a more extensive international network and greater resources, the moat of Hong Leong Bank Berhad is less pronounced. These larger banks benefit from economies of scale and a wider range of products, giving them a competitive advantage.

In summary, while Hong Leong Bank Berhad has specific strengths, its moat is less significant compared to the market leaders. The competition potentially has stronger competitive advantages due to their size and international presence.

Revenue Growth: 8% (2024) Profit Growth: 6% (2024) Return on Equity (ROE): 11% (2024) Common Equity Tier 1 Ratio (CET1): 13% (2024)

Hong Leong Bank Berhad shows solid revenue and profit growth, indicating a stable business performance. The 11% return on equity suggests that the company operates efficiently and achieves a good return on its capital.

The CET1 ratio of 13% exceeds regulatory requirements, indicating a strong capital base and low risk. This is particularly important in the banking sector to ensure financial stability.

Additionally, the bank has invested in digital transformation and innovative financial services in recent years, increasing its potential for future growth and market share gains. These strategic initiatives could lead to an improved competitive position in the long term.

Overall, Hong Leong Bank Berhad appears to be an attractive investment opportunity due to its solid financial metrics and strategic direction.

Dividend Yield: 3.2% (estimated for 2025)
Payout Ratio: 40% (2024)

Hong Leong Bank Berhad has pursued a consistent dividend policy in recent years. The bank has regularly distributed dividends, indicating a reliable payout. The dividend yield of 3.2% in 2025 shows an attractive return for investors focusing on dividend income streams.

The 40% payout ratio in 2024 suggests that the bank follows a balanced approach between returning profits to shareholders and reinvesting in the business. This supports the sustainability of dividend payments in the future.