Financial Ratios Hong Leong Financial Group

Stocks

1082

MYL1082OO006

Banks

Market Closed - BURSA MALAYSIA Other stock markets 04:54:02 2026-07-17 am EDT			5-day change	1st Jan Change
18.82 ^MYR	+0.75%		+1.18%	-1.26%

May. 26	Hong Leong Financial logs Q3 profit attributable 748.7 mln rgt	RE
May. 26	Hong Leong Financial Group Berhad Reports Earnings Results for the Third Quarter and Nine Months Ended March 31, 2026	CI

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Published financial data: HONG LEONG FINANCIAL GROUP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	5.59B	5.67B	7.55B	8.88B	8.95B
Interest Income On Investments	209M	271M	214M	161M	135M
Interest Income, Total	5.8B	5.94B	7.76B	9.04B	9.09B
Interest On Deposits	2.24B	2.09B	3.98B	5.12B	5.03B
Interest Expense, Total	2.24B	2.09B	3.98B	5.12B	5.03B
Net Interest Income	3.56B	3.86B	3.79B	3.92B	4.06B
Gain (Loss) on Sale of Assets	5.38M	1.74M	387K	8.74M	9.12M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	324M	139M	159M	230M	-158M
Total Other Non Interest Income	2.31B	2.26B	2.48B	2.49B	2.9B
Non Interest Income, Total	2.64B	2.4B	2.64B	2.73B	2.75B
Revenues Before Provison For Loan Losses	6.2B	6.25B	6.43B	6.65B	6.81B
Provision For Loan Losses	650M	163M	115M	-114M	-383M
Total Revenues	5.55B	6.09B	6.31B	6.76B	7.19B
Salaries And Other Employee Benefits	1.37B	1.32B	1.42B	1.46B	1.43B
Stock-Based Compensation (IS)	26.59M	-20.45M	-10.14M	11.69M	16.2M
Amort. of Goodwill & Intang. Assets	61.29M	59.03M	64.22M	72.96M	71.36M
Occupancy Expense	205M	195M	185M	175M	154M
Selling General & Admin Expenses, Total	658M	707M	778M	727M	783M
(Income) Loss on Equity Invest.	-816M	-1.11B	-1.36B	-1.69B	-1.54B
Total Other Non Interest Expense	73.28M	93.67M	132M	167M	173M
Non Interest Expense, Total	1.58B	1.25B	1.21B	918M	1.09B
EBT, Excl. Unusual Items	3.97B	4.84B	5.1B	5.85B	6.1B
Restructuring Charges	-	-	-	-	-
Asset Writedown	-1M	-	-	-	-
EBT, Incl. Unusual Items	3.97B	4.84B	5.1B	5.85B	6.1B
Income Tax Expense	595M	1.16B	895M	1.06B	1.24B
Earnings From Continuing Operations	3.38B	3.68B	4.21B	4.79B	4.87B
Net Income to Company	3.38B	3.68B	4.21B	4.79B	4.87B
Minority Interest	-1.11B	-1.23B	-1.42B	-1.59B	-1.61B
Net Income - (IS)	2.27B	2.45B	2.79B	3.2B	3.25B
Net Income to Common Incl Extra Items	2.27B	2.45B	2.79B	3.2B	3.25B
Net Income to Common Excl. Extra Items	2.27B	2.45B	2.79B	3.2B	3.25B
Per Share Items
Net EPS - Basic	2	2.16	2.46	2.82	2.87
Basic EPS - Continuing Operations	2	2.16	2.46	2.82	2.87
Basic Weighted Average Shares Outstanding	1.13B	1.13B	1.13B	1.13B	1.13B
Net EPS - Diluted	2	2.16	2.46	2.82	2.87
Diluted EPS - Continuing Operations	2	2.16	2.46	2.82	2.87
Diluted Weighted Average Shares Outstanding	1.13B	1.13B	1.13B	1.13B	1.13B
Normalized Basic EPS	1.21	1.58	1.56	1.82	1.94
Normalized Diluted EPS	1.21	1.58	1.56	1.82	1.94
Dividend Per Share	0.4	0.46	0.49	0.54	0.72
Payout Ratio	17.98	20.51	19.57	17.8	19.59
Supplemental Items
Effective Tax Rate - (Ratio)	14.99	23.91	17.54	18.11	20.26
Total Current Taxes	712M	1.11B	802M	888M	1.1B
Total Deferred Taxes	-117M	46.72M	92.96M	170M	133M
Normalized Net Income	1.37B	1.79B	1.77B	2.06B	2.2B
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	26.59M	-20.45M	-10.14M	11.69M	16.2M
Total Stock-Based Compensation	26.59M	-20.45M	-10.14M	11.69M	16.2M

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	9.18B	9.83B	10.1B	8.59B	14.3B
Investment Securities, Total	71.8B	69.78B	74.44B	80.33B	82.16B
Trading Asset Securities, Total	29.09B	31.37B	34.13B	33.21B	38.38B
Total investments	101B	101B	109B	114B	121B
Gross Loans	148B	160B	173B	186B	200B
Allowance For Loan Losses	-1.77B	-1.74B	-1.76B	-1.61B	-1.11B
Other Adjustments to Gross Loans	-	-9.96M	-14.7M	-9.21M	-
Net Loans	147B	158B	172B	184B	199B
Gross Property Plant And Equipment	2.99B	3.01B	2.93B	2.94B	2.83B
Accumulated Depreciation	-1.43B	-1.52B	-1.52B	-1.62B	-1.56B
Net Property Plant And Equipment	1.57B	1.49B	1.4B	1.32B	1.26B
Goodwill	2.41B	2.41B	2.41B	2.41B	2.41B
Other Intangibles, Total	260M	325M	388M	386M	370M
Investment in Real Estate	470M	472M	472M	472M	474M
Other Receivables	2B	1.76B	1.36B	2.2B	1.53B
Restricted Cash	817M	1.22B	4.55B	4.14B	2.46B
Other Current Assets, Total	8.45B	9.53B	9.79B	11.35B	11.93B
Deferred Tax Assets Long-Term (Collected)	19.25M	365M	108M	-	190M
Other Real Estate Owned And Foreclosed	5.51M	46K	46K	46K	46K
Other Long-Term Assets, Total	500M	-	4.48B	7.59B	720M
Total Assets	273B	287B	315B	336B	355B
Liabilities
Accounts Payable, Total	3.77B	4.15B	4.44B	-	-
Accrued Expenses, Total	259M	244M	233M	251M	261M
Interest Bearing Deposits	161B	163B	180B	185B	196B
Non-Interest Bearing Deposits	35.28B	41.15B	42.47B	47.4B	53.38B
Total Deposits	196B	204B	222B	233B	249B
Short-Term Borrowings	1.25B	1.98B	2.45B	2.08B	2.75B
Current Portion of Long-Term Debt	811M	6.08B	8.84B	11.72B	8.64B
Current Portion of Leases	42.96M	42.56M	44.61M	45.53M	42.74M
Long-Term Debt	4.36B	5.22B	7.15B	7.34B	6.99B
Long-Term Leases	162M	170M	147M	136M	132M
Current Income Taxes Payable	381M	331M	58.14M	203M	335M
Other Current Liabilities - (Bank / Utility Template)	807M	1.23B	1.27B	1.09B	1.82B
Unearned Revenue Non Current	96.93M	119M	160M	-	-
Pension & Other Post Retirement Benefits	1.89M	1.9M	1.93M	1.91M	1.87M
Deferred Tax Liability Non-Current	-	-	-	361M	772M
Other Non Current Liabilities	31.46B	27.34B	28.42B	35.89B	37.19B
Total Liabilities	239B	251B	276B	292B	308B
Common Stock, Total	2.27B	2.27B	2.27B	2.27B	2.27B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	19.65B	21.6B	23.86B	26.89B	29.51B
Treasury Stock	-239M	-236M	-233M	-230M	-230M
Comprehensive Income and Other	1.14B	640M	898M	1.16B	604M
Total Common Equity	22.82B	24.28B	26.79B	30.09B	32.15B
Minority Interest	11.11B	11.71B	12.84B	14.28B	15.08B
Total Equity	33.93B	35.99B	39.63B	44.37B	47.23B
Total Liabilities And Equity	273B	287B	315B	336B	355B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.13B	1.13B	1.13B	1.13B	1.13B
ECS Total Common Shares Outstanding	1.13B	1.13B	1.13B	1.13B	1.13B
Book Value / Share	20.13	21.41	23.62	26.53	28.34
Tangible Book Value	20.15B	21.54B	23.99B	27.29B	29.37B
Tangible Book Value Per Share	17.77	19	21.16	24.06	25.89
Total Debt	6.63B	13.49B	18.64B	21.32B	18.55B
Deposits at Interest - Cash	6.25B	7.82B	7.48B	5.94B	12.43B
Net Debt	-36.57B	-28.78B	-26.41B	-21.37B	-37.64B
Equity Method Investments, Total	6.87B	7.66B	10.05B	10.89B	10.93B
Full Time Employees	7.65K	-	-	-	-

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	2.27B	2.45B	2.79B	3.2B	3.25B
Depreciation, Depletion & Amortization	188M	181M	170M	158M	138M
Amortization of Goodwill and Intangible Assets - (CF)	7.79M	-3.1M	-2.91M	-5.97M	-9.68M
Total Depreciation, Depletion & Amortization	196M	178M	167M	152M	128M
Amortization of Deferred Charges, Total	53.5M	62.12M	67.13M	78.94M	83.16M
(Gain) Loss On Sale of Asset - (CF)	-5.38M	-1.74M	-387K	-8.74M	-9.12M
(Gain) Loss on Sale of Investments - (CF)	-396M	-298M	-258M	-193M	228M
Total Asset Writedown	4.68M	1.47M	3.79M	213K	-1.46M
Provision for Credit Losses	843M	413M	372M	179M	-105M
(Income) Loss On Equity Investments - (CF)	-816M	-1.11B	-1.36B	-1.69B	-1.54B
Stock-Based Compensation (CF)	26.59M	-20.45M	-10.14M	11.69M	16.2M
Change in Trading Asset Securities	-4.72B	-1.21B	-2.63B	976M	-5.62B
Change in Other Net Operating Assets (Collected)	-8.05B	-11.22B	-11.17B	-8.99B	-16.88B
Other Operating Activities	957M	-459M	-771M	-579M	-21.46M
Cash from Operations	-9.64B	-11.21B	-12.8B	-6.87B	-20.46B
Capital Expenditure	-133M	-137M	-148M	-93.38M	-113M
Sale of Property, Plant, and Equipment	9.47M	2.09M	545K	9.74M	25.64M
Divestitures	128M	-	-	-	84.07M
Purchase / Sale of Intangible Assets	-30.01M	-41.38M	-41.86M	-30.53M	-23.71M
Investment in Marketable and Equity Securities, Total	-10.93B	-1.41B	-6.61B	-7.23B	7.53B
Other Investing Activities, Total	1.39B	1.52B	1.75B	2.73B	2.63B
Cash from Investing	-9.57B	-66.07M	-5.04B	-4.62B	10.13B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	300M	1.55B	3.2B	2.44B	1.96B
Total Debt Issued	300M	1.55B	3.2B	2.44B	1.96B
Short Term Debt Repaid, Total	-268M	-72M	-610M	-	-
Long-Term Debt Repaid, Total	-283M	-286M	-1.51B	-1.64B	-2.63B
Total Debt Repaid	-551M	-358M	-2.12B	-1.64B	-2.63B
Issuance of Common Stock	4.63M	916K	-	-	-
Repurchase of Common Stock	-136K	-	-	-	-
Common Dividends Paid	-407M	-503M	-546M	-569M	-637M
Common & Preferred Stock Dividends Paid	-407M	-503M	-546M	-569M	-637M
Net Increase (Decrease) in Deposit Accounts - (CF)	17.04B	11.55B	18.2B	10.51B	18.46B
Other Financing Activities, Total	-469M	-603M	-692M	-786M	-835M
Cash from Financing	15.91B	11.63B	18.04B	9.96B	16.33B
Foreign Exchange Rate Adjustments	145M	291M	72.06M	9.58M	-279M
Net Change in Cash	-3.15B	652M	272M	-1.52B	5.72B
Supplemental Items
Cash Interest Paid	208M	201M	260M	320M	305M
Cash Income Tax Paid (Refund)	651M	1.15B	1.11B	716M	940M
Net Debt Issued / Repaid	-251M	1.19B	1.08B	805M	-663M

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.28	1.31	1.4	1.47	1.41
Return On Equity %	10.39	10.53	11.13	11.32	10.62
Return on Common Equity	10.36	10.41	10.93	11.16	10.46
Shareholders Value Added	-350M	-377M	-276M	-246M	-489M
Margin Analysis
SG&A Margin	40.68	37.1	38.46	35.65	33.59
Net Interest Income / Total Revenues %	64.13	63.33	59.96	57.99	56.39
EBT Excl. Non-Recurring Items Margin %	71.58	79.48	80.81	86.42	84.84
Income From Continuing Operations Margin %	60.84	60.48	66.64	70.77	67.65
Net Income Margin %	40.82	40.27	44.21	47.27	45.25
Net Avail. For Common Margin %	40.82	40.27	44.21	47.27	45.25
Normalized Net Income Margin	24.72	29.47	28.08	30.51	30.63
Asset quality
Nonperforming Loans / Total Loans %	0.48	0.51	0.6	0.56	0.57
Nonperforming Loans / Total Assets %	0.26	0.29	0.33	0.31	0.32
Nonperforming Assets / Total Assets %	0.26	0.29	0.33	0.31	0.32
NPAs / Loans and OREO	0.49	0.51	0.6	0.56	0.57
NPAs / Equity	2.13	2.28	2.63	2.35	2.42
Allowance for Credit Losses / Net Charge-offs %	1.21K	886.67	2.24K	9.03K	1.1K
Allowance for Credit Losses / Nonperforming Loans %	246.6	211.84	168.86	155.01	96.86
Allowance for Credit Losses / Total Loans %	1.19	1.08	1.01	0.87	0.55
Provision for Loan Losses / Net Charge-offs %	443.13	83.28	146.95	-640.26	-382.16
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.3	8.41	8.48	8.8	9
Total Average Equity / Total Average Assets %	12.33	12.48	12.56	12.99	13.25
Total Equity + Allowance for Loan Losses / Total Loans %	16.56	16.25	16.46	17.06	16.62
Gross Loans / Total Deposits %	75.78	78.47	77.96	79.85	80.35
Net Loans / Total Deposits %	74.87	77.61	77.16	79.15	79.91
Tier 1 Capital Ratio %	12.8	13.22	12.33	12.65	13.03
Total Capital Ratio %	15.7	16.13	14.86	14.52	14.91
Core Tier 1 Capital Ratio	11.87	12.02	11.24	11.68	12.07
Tier 2 Capital Ratio	2.9	2.91	2.53	1.86	1.89
Coverage Ratio	246.6	211.84	168.86	155.01	96.86
Interbank Ratio	65.2	27.9	18.11	8.58	30.84
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.78	3.32	2.28	2.14	2.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	19.77	8.36	-1.83	3.59	3.4
Non Interest Income, 1 Yr. Growth %	14.78	-9.27	10.32	1.39	0.97
Provision For Loan Losses, 1 Yr. Growth %	97.18	-74.9	-29.37	-199.32	235.01
Total Revenues, 1 Yr. Growth %	12.29	9.72	3.69	6.33	6.34
Earnings From Cont. Operations, 1 Yr. Growth %	21.5	9.08	14.25	10.5	1.65
Net Income, 1 Yr. Growth %	21.95	8.25	13.83	11	1.78
Normalized Net Income, 1 Yr. Growth %	19.27	30.81	-1.21	12.74	6.73
Diluted EPS Before Extra, 1 Yr. Growth %	22.12	8.24	13.81	10.98	1.78
Dividend Per Share, 1 Yr. Growth %	5.26	15	6.52	10.2	33.33
Gross Loans, 1 Yr. Growth %	4.9	7.83	8.31	7.32	7.68
Allowance For Loan Losses, 1 Yr. Growth %	40.15	-1.86	1.31	-8.27	-31.33
Net Loans, 1 Yr. Growth %	4.59	7.94	8.38	7.49	8.03
Non Performing Loans, 1 Yr. Growth %	-19.93	14.24	27.09	-0.08	9.9
Non Performing Assets, 1 Yr. Growth %	-20.94	13.38	27.09	-0.08	9.9
Total Assets, 1 Yr. Growth %	7.76	4.99	9.88	6.77	5.65
Total Deposits, 1 Yr Growth %	8.97	4.83	9.01	4.63	7.01
Tangible Book Value, 1 Yr. Growth %	10.2	6.91	11.39	11.84	7.59
Common Equity, 1 Yr. Growth %	9.19	6.39	10.36	10.62	6.83
Total Equity, 1 Yr. Growth %	9.28	6.06	10.11	10.35	6.45
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.38	13.92	3.14	0.85	3.49
Non Interest Income, 2 Yr. CAGR %	6.89	2.05	0.04	6.69	1.18
Provision For Loan Losses, 2 Yr. CAGR %	627.1	-29.65	-57.9	-16.24	82.41
Total Revenues, 2 Yr. CAGR %	2.59	11	6.66	5.4	6.34
Earnings From Cont. Operations, 2 Yr. CAGR %	7.64	15.12	11.63	14.01	5.98
Net Income, 2 Yr. CAGR %	8.64	14.9	11.01	14.19	6.29
Normalized Net Income, 2 Yr. CAGR %	6.9	24.9	13.68	7.25	9.69
Diluted EPS Before Extra, 2 Yr. CAGR %	9.13	14.97	10.99	14.18	6.28
Dividend Per Share, 2 Yr. CAGR %	-2.41	10.02	10.68	8.35	21.22
Gross Loans, 2 Yr. CAGR %	6.75	6.36	8.07	7.73	7.5
Allowance For Loan Losses, 2 Yr. CAGR %	18.28	17.28	-0.29	-3.6	-20.63
Net Loans, 2 Yr. CAGR %	6.63	6.25	8.16	7.85	7.76
Non Performing Loans, 2 Yr. CAGR %	-18.41	-4.36	20.5	12.69	4.79
Non Performing Assets, 2 Yr. CAGR %	-18.91	-5.32	20.04	12.69	4.79
Total Assets, 2 Yr. CAGR %	7.18	6.37	7.41	8.25	6.21
Total Deposits, 2 Yr CAGR %	6.84	6.52	6.9	6.8	5.81
Tangible Book Value, 2 Yr. CAGR %	10.35	8.54	9.13	12.57	9.7
Common Equity, 2 Yr. CAGR %	9.31	7.78	8.36	11.33	8.71
Total Equity, 2 Yr. CAGR %	8.92	7.66	8.07	11.03	8.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.43	9.04	8.41	3.3	1.7
Non Interest Income, 3 Yr. CAGR %	2.11	1.21	4.73	1.08	4.75
Provision For Loan Losses, 3 Yr. CAGR %	103.27	136.74	-29.56	-43.95	32.95
Total Revenues, 3 Yr. CAGR %	1.71	4.91	8.5	6.82	5.71
Earnings From Cont. Operations, 3 Yr. CAGR %	5.27	8.11	14.83	12.34	9.73
Net Income, 3 Yr. CAGR %	5.9	8.51	14.54	12.18	9.9
Normalized Net Income, 3 Yr. CAGR %	3.16	14.34	15.51	14.59	7.08
Diluted EPS Before Extra, 3 Yr. CAGR %	6.21	8.83	14.59	12.16	9.88
Dividend Per Share, 3 Yr. CAGR %	0	3.08	8.84	10.52	16.11
Gross Loans, 3 Yr. CAGR %	6.76	7.11	7	7.76	7.72
Allowance For Loan Losses, 3 Yr. CAGR %	20.65	11.14	11.69	-3.02	-13.91
Net Loans, 3 Yr. CAGR %	6.63	7.07	6.95	7.88	7.91
Non Performing Loans, 3 Yr. CAGR %	-14.1	-8.72	5.15	13.21	11.75
Non Performing Assets, 3 Yr. CAGR %	-13.89	-9.33	4.44	12.92	11.75
Total Assets, 3 Yr. CAGR %	6.02	6.45	7.52	7.15	7.37
Total Deposits, 3 Yr CAGR %	5.65	5.93	7.35	6.14	6.87
Tangible Book Value, 3 Yr. CAGR %	9.79	9.19	9.48	10.65	10.88
Common Equity, 3 Yr. CAGR %	8.62	8.33	8.63	9.66	9.81
Total Equity, 3 Yr. CAGR %	8.35	7.96	8.47	9.35	9.48
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.15	6.45	5.69	5.69	6.42
Non Interest Income, 5 Yr. CAGR %	7.27	1.59	1.28	3.37	3.66
Provision For Loan Losses, 5 Yr. CAGR %	65.38	0.23	8.28	56.23	3.07
Total Revenues, 5 Yr. CAGR %	4.53	4.55	3.66	5.1	7.79
Earnings From Cont. Operations, 5 Yr. CAGR %	10.35	9.71	7.77	10.44	11.86
Net Income, 5 Yr. CAGR %	10.76	10.23	7.91	10.75	11.87
Normalized Net Income, 5 Yr. CAGR %	6.34	9.86	7.24	11.45	13.88
Diluted EPS Before Extra, 5 Yr. CAGR %	10.15	10.42	8.1	10.94	11.89
Dividend Per Share, 5 Yr. CAGR %	1.03	3.9	4.14	5.15	13.63
Gross Loans, 5 Yr. CAGR %	5.4	6.2	7.28	7.36	7.17
Allowance For Loan Losses, 5 Yr. CAGR %	9.06	8.48	11.79	4.99	-2.58
Net Loans, 5 Yr. CAGR %	5.36	6.18	7.24	7.38	7.24
Non Performing Loans, 5 Yr. CAGR %	-5.6	-7.57	-1.65	-0.69	5.01
Non Performing Assets, 5 Yr. CAGR %	-5.45	-7.57	-1.65	-1.09	4.58
Total Assets, 5 Yr. CAGR %	5.36	5.55	6.57	7.16	6.97
Total Deposits, 5 Yr CAGR %	4.45	4.7	6	6.27	6.73
Tangible Book Value, 5 Yr. CAGR %	9.76	9.05	9.52	10.53	9.94
Common Equity, 5 Yr. CAGR %	8.26	7.89	8.52	9.52	9
Total Equity, 5 Yr. CAGR %	7.92	7.53	8.24	9.18	8.75