Hong Leong Bank Bhd

Hong Leong Bank Bhd

MMYX:HLBANK
21.50
MYR
-0.02
(-0.09%)
9.68P/E
Nov 26Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
2.21
2.18
2.16
2.2
2.35
2.23
2.31
2.64
2.7
2.73
2.76
3.05
- -
3.19
Basic EPS, GAAP
1.15
1.22
1
1.05
1.29
1.3
1.22
1.4
1.61
1.86
2.05
2.08
- -
2.21
Free Cash Flow per Basic Share
2.15
-2.1
6.03
2.84
-0.99
-0.71
4.89
3.22
1.15
3.64
1.55
-1.98
- -
-0.4
Dividend per Share
0.36
0.4
0.4
0.41
0.46
0.48
0.5
0.35
0.53
0.58
0.63
0.71
- -
0.3
Book Value per Share
7.81
9.02
10.12
10.87
11.45
12.21
13.05
14.12
15.13
16.59
18.19
19.16
20.38
20.38
Tangible Book Value per Share
6.64
7.87
9.12
9.89
10.5
11.27
12.08
13.12
14.09
15.52
17.13
18.11
19.33
19.33
Basic Weighted Avg Shares
1,822
1,828
1,907
2,046
2,046
2,046
2,047
2,047
2,048
2,049
2,049
2,050
- -
2,050
Sales/Revenue/Turnover
4,026
3,984
4,128
4,492
4,811
4,567
4,719
5,415
5,537
5,599
5,649
6,260
6,551
6,549
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
208
140
156
166
193
186
249
236
226
217
216
204
194
194
Net Income, GAAP
2,102
2,233
1,903
2,145
2,638
2,665
2,495
2,861
3,289
3,818
4,196
4,273
4,531
4,531
Effective Tax Rate (%)
19.55
18.68
20.08
21.95
18.73
16.37
16.55
17.58
24.68
17.47
18.27
20.28
17.32
17.32
Profit Margin (%)
52.22
56.06
46.11
47.75
54.83
58.35
52.86
52.83
59.41
68.19
74.28
68.27
69.17
69.19
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
8,757
10,469
5,966
2,918
3,816
2,821
2,550
2,518
3,429
3,612
4,223
4,859
5,332
5,332
Total Equity
14,530
16,790
21,117
22,685
23,892
25,474
27,234
29,459
30,989
33,987
37,294
39,287
41,790
41,790
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
15.25
14.26
10.04
9.79
11.33
10.79
9.47
10.09
10.88
11.75
11.77
11.16
11.18
11.18

Capital Structure

MYR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,050
2,050
2,050
Market Capitalization
45,393
44,904
43,880

Working Capital

MYR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,415
15,157
13,050
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

MYR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.08%
7.26%
6.37%
Free Cash Flow
-124.73%
-42.63%
-80.07%
Net Income, GAAP
9.38%
9.77%
6.04%
Sales/Revenue/Turnover
4.87%
3.95%
4.66%
Total Cash Common Dividend
12.14%
24.3%
38.05%

Quarterly Revenue

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,365
1,438
1,408
1,437
5,649
2025
1,562
1,600
1,505
1,591
6,260
2026
1,648
1,632
1,553
1,716
6,551

Quarterly Earnings Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
0.53
0.51
0.5
2.05
2025
0.53
0.56
0.46
0.53
2.08
2026
0.53
0.57
0.5
0.61
- -

Quarterly Dividends Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.25
- -
0.63
2025
- -
- -
0.28
- -
0.71
2026
- -
- -
0.3
- -
- -

Company Description

CEO
Sai Yoke Lam
Full Time Employees
8,698
Sector
Finance
Industry
Major banks
Address
Menara Hong Leong Kuala Lumpur WP Malaysia 50490
IPO Date
Oct 17, 1994
Website
hlb.com.my
Business
Hong Leong Bank Berhad functions as a prominent regional financial services entity, maintaining a significant presence across Malaysia, Singapore, Hong Kong, Vietnam, and Cambodia, alongside a strategic investment in China's Bank of Chengdu Co., Ltd.. The institution delivers a wide spectrum of financial solutions designed for diverse client needs, spanning personal, business, and corporate sectors. For individual customers, its offerings include various deposit solutions such as current, savings, and fixed term accounts, alongside multi-currency options and safe deposit boxes. Financing products comprise personal, home, auto, and property loans, in addition to credit and debit cards, remittance services, and robust wealth management and investment advisory. The bank also provides a comprehensive suite of insurance products, covering motor, travel, home, life, and personal accident protection. In the business and corporate sphere, Hong Leong Bank extends services such as commercial and corporate lending for asset acquisition, working capital, and business expansion, alongside liquidity management and business current accounts. It further supports enterprises with trade finance, cash management platforms like HL ConnectFirst, and merchant payment solutions. Complementing its conventional banking, the bank operates Hong Leong Islamic Bank Berhad, offering a full range of Shariah-compliant financial services. With a focus on digital innovation, the bank continually enhances its online and mobile banking platforms, including HLB Connect for retail clients, aiming for seamless, intuitive customer experiences and increased transactional efficiency through digital transformation. Recent initiatives include the rollout of next-generation branch concepts and the integration of AI for improved customer service, further solidifying its position as a digital-at-the-core institution. The bank emphasizes support for Small and Medium-sized Enterprises (SMEs), providing tailored financing advice and digital tools, earning recognition as a leading SME bank in the region. Established in 1905, tracing its roots to Kwong Lee Mortgage and Remittance Company, the bank was later known as MUI Bank Berhad before being acquired by Hong Leong Group in 1994 and subsequently renamed Hong Leong Bank Berhad. Headquartered in Kuala Lumpur, Malaysia, it functions as a key subsidiary of Hong Leong Financial Group Berhad. As of March 2025, the institution achieved significant growth, with total assets exceeding RM300 billion and gross loans/financing surpassing RM200 billion.