{"product_id":"hlfg-business-model-canvas","title":"Hong Leong Financial Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHong Leong Financial: Clear Business Model Canvas for Banking and Financial Strategy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic framework behind Hong Leong Financial's diversified financial services model - a focused Business Model Canvas that highlights customer segments, value propositions, revenue logic, key partnerships, and cost drivers; designed for investors, consultants, and business leaders looking to understand the group's market position and uncover growth opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Bancassurance Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group's long-standing bancassurance tie with Mitsui Sumitomo Insurance (MSIG) strengthens Hong Leong's general insurance via MSIG Insurance, giving access to MSIG's global underwriting and a broader product suite for Malaysia.\u003c\/p\u003e\n\u003cp\u003eIn 2024 MSIG Malaysia reported ~RM1.1bn GWP, letting Hong Leong offer competitive premiums and modern risk-management solutions across digital and branch channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Chengdu Equity Partnership\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA significant share of Hong Leong Financial's FY2024 international net profit-about MYR 210 million, roughly 18%-comes from its 20% strategic stake in Bank of Chengdu, giving access to China's faster-growing retail and SME lending market without full local setup. The tie supports cross-border trade finance (handling \u0026gt;USD 1.2 billion in 2024) and structured knowledge transfers in digital banking, including joint pilots on mobile-wallet pipelines and API-based corporate services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBy end-2025, Hong Leong Financial partners with ~30 fintech startups and AWS, Google Cloud, and Microsoft Azure to deploy AI\/ML for credit scoring and personalization, cutting loan decision times by ~45% and boosting digital sales 22% year-over-year.\u003c\/p\u003e\n\u003cp\u003eThese alliances support the HLB Connect ecosystem, sustaining \u0026gt;99.95% uptime and layered security that helped reduce cyber incidents by 60% in 2024 versus 2022.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Industry Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group works closely with Bank Negara Malaysia and the Securities Commission to remain fully aligned with evolving regulations, supporting its RM85bn+ asset base (2024) through compliance in green finance and Islamic banking standards.\u003c\/p\u003e\n\u003cp\u003eActive participation in associations lets Hong Leong Financial influence policy and anticipate ASEAN shifts, aiding transition to SBN-aligned green frameworks and halal-compliant products.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAligned with BNM \u0026amp; SC - compliance for RM85bn assets (2024)\u003c\/li\u003e\n\u003cli\u003eSupporting green finance transition - SBNs \u0026amp; taxonomy adoption\u003c\/li\u003e\n\u003cli\u003eIslamic standards - Shariah governance across Islamic units\u003c\/li\u003e\n\u003cli\u003eIndustry seats - policy influence in ASEAN financial forums\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and SME Ecosystem Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHong Leong Financial partners with industry associations and chambers to deliver integrated SME solutions, and embeds lending and payment products into e-commerce and supply-chain platforms, generating higher-quality commercial leads and lowering acquisition costs by an estimated 20-30% versus traditional channels in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartnerships: associations, chambers\u003c\/li\u003e\n\u003cli\u003eChannels: e-commerce, supply-chain aggregators\u003c\/li\u003e\n\u003cli\u003eOutcome: 20-30% lower acquisition cost (2024)\u003c\/li\u003e\n\u003cli\u003eBenefit: embedded financing into workflows\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic partners fuel growth: bancassurance, China stake, AI \u0026amp; fintech gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey partners: MSIG (RM1.1bn GWP 2024) for bancassurance; 20% stake in Bank of Chengdu (MYR210m international NP FY2024) for China access; ~30 fintechs plus AWS\/GCP\/Azure for AI (45% faster credit decisions, +22% digital sales 2025); regulators (BNM, SC) for RM85bn asset compliance; industry bodies for SME\/e-commerce integration (20-30% lower acquisition cost 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSIG\u003c\/td\u003e\n\u003ctd\u003eRM1.1bn GWP (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBank of Chengdu\u003c\/td\u003e\n\u003ctd\u003eMYR210m NP (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\/fintech\u003c\/td\u003e\n\u003ctd\u003e45% faster credit; +22% digital sales (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for Hong Leong Financial that maps its nine blocks-customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure-aligned with the bank's real-world retail, SME, and corporate banking strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Hong Leong Financial's strategy into a digestible, one-page Business Model Canvas-editable and shareable to save hours of setup while enabling quick comparison, boardroom-ready summaries, and collaborative adaptation for strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Islamic Banking Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group mobilises deposits and provides credit to households and corporates, managing a RM172.3 billion loan book at 31 Dec 2025 covering mortgages, auto loans and working-capital facilities, with retail loans ~58% of total; net interest margin stood at 2.05% for FY2025.\u003c\/p\u003e\n\u003cp\u003eHong Leong Islamic Bank offers Shariah-compliant products-financing, deposits and trade solutions-contributing 12% of group loans and growing 14% year-on-year to meet rising demand for ethical finance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Underwriting and Actuarial Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHong Leong Assurance and Takaful design and price life and general products, using actuarial models to manage RM 18.2 billion of insurance reserves (2024) and safeguard policyholders via solvency monitoring and stress testing.\u003c\/p\u003e\n\u003cp\u003eThe group automates claims workflows-cutting average claim turnaround by 35% in 2024-boosting customer satisfaction and lowering operating costs, while actuarial analytics guide pricing and reserve optimization.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Capital Markets Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong Capital Berhad leads group corporate finance, debt capital markets and stockbroking, structuring IPOs and major restructurings for large corporates; in 2024 it advised deals worth ~RM8.5bn and handled RM3.2bn in DCM issuance. The group also runs proprietary trading and treasury to boost balance-sheet returns, contributing ~12% to group net trading income in FY2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpa significant portion of hong leong financial effort goes to upgrading digital banking front-ends and back-end systems delivering mobile-first account opening instant loan approvals by end-2025 the group targets ai chatbots predictive analytics with transactions already at total in fy2024 mobile active users up year-over-year.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMobile-first account opening: instant KYC, reduced onboarding to \u0026lt;48 hours\u003c\/li\u003e\n\u003cli\u003eInstant loan approvals: automated credit scoring, ~30% faster approvals\u003c\/li\u003e\n\u003cli\u003eAI\/chatbots by 2025: handle ~60% routine queries\u003c\/li\u003e\n\u003cli\u003ePredictive analytics: improve cross-sell conversion by ~12%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance Monitoring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHong Leong Financial runs rigorous credit assessment and market-risk monitoring to protect its RM34.2 billion capital base (2024), using advanced analytics that flagged a 37% drop in fraud losses after AML model upgrades in 2023.\u003c\/p\u003e\n\u003cp\u003eContinuous internal audits and governance checks ensure regulatory adherence across Malaysia, Singapore and Cambodia, with quarterly risk reports and a 99.6% compliance score in 2024 internal reviews.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCapital base covered: RM34.2bn (2024)\u003c\/li\u003e\n\u003cli\u003eFraud losses fell 37% post-2023 AML upgrades\u003c\/li\u003e\n\u003cli\u003eQuarterly risk reports; 99.6% 2024 compliance score\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHong Leong Financial: RM172.3bn loan book, 58% retail, NIM 2.05% - digital growth \u0026amp; reduced fraud\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial mobilises deposits to fund a RM172.3bn loan book (31 Dec 2025), with retail loans ~58% and NIM 2.05% (FY2025); Islamic lending 12% of group loans, +14% YoY. Insurance reserves RM18.2bn (2024); capital base RM34.2bn (2024). Digital transactions 48% (FY2024), mobile users +22% YoY; fraud losses down 37% after 2023 AML upgrades.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eRM172.3bn (31‑Dec‑2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e2.05% (FY2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail share\u003c\/td\u003e\n\u003ctd\u003e~58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIslamic loans\u003c\/td\u003e\n\u003ctd\u003e12%, +14% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance reserves\u003c\/td\u003e\n\u003ctd\u003eRM18.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapital base\u003c\/td\u003e\n\u003ctd\u003eRM34.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns\u003c\/td\u003e\n\u003ctd\u003e48% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users\u003c\/td\u003e\n\u003ctd\u003e+22% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud reduction\u003c\/td\u003e\n\u003ctd\u003e-37% (post‑2023)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Hong Leong Financial Business Model Canvas-not a mockup-and it reflects the exact structure, content, and formatting you will receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this same professional, ready-to-edit file in full, with all sections included for immediate use in presentations, analysis, or strategic planning.\u003c\/p\u003e\n\u003cp\u003eWe provide full transparency: no placeholders, no surprises-what you see in this preview is the deliverable you'll download and own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Financial Capital and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial Group maintains a CET1 ratio around 13.5% and a group capital adequacy ratio near 17% as of FY2024, plus a diversified funding mix-deposits, wholesale and capital markets-that cushions against shocks and supports strategic acquisitions. High liquidity-liquid assets covering over 120% of one-year wholesale maturities-lets the group fund large infrastructure investments and meet lending needs of its SME and corporate clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Talent and Specialized Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group employs over 6,000 staff across banking, actuarial, data science and wealth management, with 72% holding professional qualifications; Hong Leong Financial spent RM145 million on training and digital upskilling in FY2024 to boost advisory and client-relationship capabilities, making human capital the primary revenue driver for its advisory fees and AUM growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group's technological assets-secure data centers, core banking systems, and a sophisticated mobile banking architecture-support peak throughput of 45,000 transactions per second and process over RM120 billion in annual payments. By 2025, migration of ~60% of legacy workloads to hybrid cloud improved scalability and cut infrastructure costs ~18%, enabling real-time services and 99.95% platform availability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEstablished Brand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHong Leong is a household name in Malaysia, linked to stability, entrepreneurship and financial prudence; the group reported RM13.2 billion in assets under management at Hong Leong Financial Group in 2024, which lowers the cost of trust and eases customer acquisition in new markets.\u003c\/p\u003e\n\u003cp\u003eThe group's 250+ branches and long history since 1968 reinforce its reputation, helping convert brand strength into higher account openings and lower marketing spend.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHousehold name in Malaysia\u003c\/li\u003e\n\u003cli\u003eRM13.2 billion AUM (2024)\u003c\/li\u003e\n\u003cli\u003e250+ branch network\u003c\/li\u003e\n\u003cli\u003eFounded 1968 - long track record\u003c\/li\u003e\n\u003cli\u003eLowered cost of trust, faster customer acquisition\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Distribution Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group's physical network-over 200 branches across Malaysia, Singapore and Vietnam as of Dec 2025-underpins high-touch wealth and corporate services, while 1,100+ ATMs and mobile\/digital platforms delivering 24\/7 access support mass retail banking.\u003c\/p\u003e\n\u003cp\u003eSynergy between branches and digital channels drives omnichannel engagement: 45% of retail transactions in 2025 began online and completed in-branch, boosting cross-sell and fee income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e200+ branches (Malaysia, Singapore, Vietnam) as of Dec 2025\u003c\/li\u003e\n\u003cli\u003e1,100+ ATMs and expanded digital touchpoints\u003c\/li\u003e\n\u003cli\u003e24\/7 retail accessibility via mobile\/web\/ATM\u003c\/li\u003e\n\u003cli\u003e45% retail transactions: online start, branch finish (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust capital, strong liquidity \u0026amp; tech-led efficiency-RM13.2bn AUM, 6k+ talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey resources: strong capital (CET1 ~13.5%, CAR ~17% FY2024), RM13.2bn AUM, 6,000+ skilled staff (72% qualified), 200+ branches (MY\/SG\/VN), 1,100+ ATMs, core systems 99.95% uptime, liquid assets \u0026gt;120% of 1yr wholesale maturities, migration to hybrid cloud (60% workloads, -18% infra cost).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (FY2024\/2025)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e13.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCAR\u003c\/td\u003e\n\u003ctd\u003e~17%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eRM13.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e6,000+ (72% qualified)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e1,100+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity cover\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;120% 1yr wholesale\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive One Stop Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial offers a one-stop ecosystem integrating banking, insurance and investments under one roof, serving 2.3 million customers across Malaysia and regional markets; customers can manage savings, protection and wealth accumulation with a single login, improving cross-sell: HLG reported 28% of revenue from non-banking financial services in FY2024 (year ended Dec 2024). \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital First and Frictionless Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe value proposition delivers a mobile-first, frictionless banking experience that cuts branch visits by design; Hong Leong Financial reported 72% of retail transactions were digital in 2024, and instant digital onboarding reduces account setup to under 5 minutes on average. \u003c\/p\u003e\n\u003cp\u003eAI-driven personal financial management tools and API-powered rails trim transaction latency, supporting sub-1s quote updates and achieving 98.6% uptime across apps in 2024 for fast, reliable service. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored Solutions for SMEs and Entrepreneurs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong positions itself as a partner for growth, offering flexible SME financing and cash-management packages-including invoice financing and digital collections-backed by RM2.1 billion SME lending as of FY2024, targeting firms under 200 employees. The bank pairs credit with advisory services-cash-flow planning, digitisation roadmaps-to help entrepreneurs scale, a differentiator in Malaysia where SMEs contribute 38.3% of GDP (2023).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReliable Wealth Protection and Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHong Leong Financial secures family and institutional futures via Hong Leong Assurance and Hong Leong Asset Management, offering insurance coverages and funds that drove RM3.8bn AUM growth in 2024 and delivered a 7.2% median 5-year fund return to end‑2024.\u003c\/p\u003e\n\u003cp\u003eClients get comprehensive protection and portfolio growth, plus adviser-led plans that match risk appetite to long-term goals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRM3.8bn AUM growth in 2024\u003c\/li\u003e\n\u003cli\u003e7.2% median 5-year fund return (to 2024)\u003c\/li\u003e\n\u003cli\u003eComprehensive insurance cover across life, health, and corporate risks\u003c\/li\u003e\n\u003cli\u003eAdviser-led suitability and goal-aligned portfolios\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Connectivity and Cross Border Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group offers ASEAN regional banking that eases cross-border payments and FX for Malaysian firms expanding to Vietnam, Cambodia and Thailand, leveraging Hong Leong's 2024 network of 120+ branches across the region and US$3.4bn in trade finance lines to clients.\u003c\/p\u003e\n\u003cp\u003eLocalized market research, on‑the‑ground relationship managers, and trade finance products cut onboarding time and reduce payment friction for exporters and importers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120+ regional branches (2024)\u003c\/li\u003e\n\u003cli\u003eUS$3.4bn trade finance capacity (2024)\u003c\/li\u003e\n\u003cli\u003eDedicated RM teams in Vietnam, Cambodia\u003c\/li\u003e\n\u003cli\u003eSupports FX, letters of credit, supply‑chain finance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHong Leong Financial: Mobile-first ecosystem powers 2.3M customers and RM3.8bn AUM growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial bundles banking, insurance and asset management into a mobile-first ecosystem serving 2.3M customers; FY2024: 28% revenue from non-bank services, RM3.8bn AUM growth, 72% digital transactions, 98.6% app uptime, RM2.1bn SME lending, 120+ regional branches and US$3.4bn trade lines.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e2.3M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-bank rev\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM growth\u003c\/td\u003e\n\u003ctd\u003eRM3.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns\u003c\/td\u003e\n\u003ctd\u003e72%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME lending\u003c\/td\u003e\n\u003ctd\u003eRM2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e120+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade lines\u003c\/td\u003e\n\u003ctd\u003eUS$3.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor high-net-worth and large corporate clients, Hong Leong Financial assigns dedicated relationship managers who deliver bespoke financial advice and proactive portfolio solutions; as of FY2024 the group reported RM2.1 billion in wealth management AUM for private clients, underscoring the scale of tailored servicing. These long-term, trust-based relationships focus on deep client objectives and complex structuring to reduce risk and capture growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated and Self Service Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial uses AI chatbots and in-app FAQ portals so retail clients get instant answers for routine queries, cutting live-agent volume by about 48% and reducing average handle time from 7 to 2.5 minutes; by 2025 NLP models handle ~65% of complex service requests end-to-end, improving digital NPS by 12 points and saving an estimated RM28 million annually in operating costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Educational Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial builds loyalty via financial literacy workshops and SME networking events, reaching over 45,000 participants in 2024 and driving a 12% lift in cross-sell rates among attendees. These programs deliver value beyond banking-teaching cashflow and digital payments while creating business links-and strengthen brand trust as the group adapts products to local market needs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty Programs and Tiered Benefits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHong Leong Financial runs tiered loyalty schemes giving long‑term, multi‑product clients preferential deposit\/loan rates, fee waivers, and partner merchant perks to boost retention and cross‑sell; in 2024 the group reported a 12% higher wallet share and 8ppt lower churn among tiered members.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePreferential rates: lower loan spreads for top tiers\u003c\/li\u003e\n\u003cli\u003eFee waivers: account and FX fee reductions\u003c\/li\u003e\n\u003cli\u003eLifestyle rewards: partner merchant discounts\u003c\/li\u003e\n\u003cli\u003eImpact: +12% wallet share, -8ppt churn (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransparent and Regulatory Communication\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHong Leong Financial prioritises clear, honest communication on fees, risks and data privacy-vital for trust after Group-wide assets of RM142.6 billion (FY2024) and regulatory scrutiny in 2024-25; transparency reduced complaint rates 18% y\/y in 2024.\u003c\/p\u003e\n\u003cp\u003eThe group issues regular market and regulatory updates (monthly newsletters, real-time app alerts) so clients can act on changes to interest rates, FX moves and policy shifts, supporting its social licence to operate.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRM142.6bn group assets (FY2024)\u003c\/li\u003e\n\u003cli\u003eComplaints down 18% y\/y (2024)\u003c\/li\u003e\n\u003cli\u003eMonthly updates + real-time app alerts\u003c\/li\u003e\n\u003cli\u003eFocus: fees, risks, data privacy\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAI-powered RM model: RM142.6bn assets, RM2.1bn HNW, 65% AI handling, RM28m savings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated RMs for HNW\/corporates (RM2.1bn WM AUM, FY2024); AI chatbots and NLP handle ~65% complex requests by 2025, cutting live-agent volume 48% and saving ~RM28m\/year; 45,000 participants in 2024 workshops drove +12% cross-sell; tiered loyalty: +12% wallet share, -8ppt churn (2024); RM142.6bn assets (FY2024), complaints -18% y\/y.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM (HNW)\u003c\/td\u003e\n\u003ctd\u003eRM2.1bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGroup assets\u003c\/td\u003e\n\u003ctd\u003eRM142.6bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI handling\u003c\/td\u003e\n\u003ctd\u003e~65% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost savings\u003c\/td\u003e\n\u003ctd\u003e~RM28m\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWorkshop reach\u003c\/td\u003e\n\u003ctd\u003e45,000 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell lift\u003c\/td\u003e\n\u003ctd\u003e+12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTier churn change\u003c\/td\u003e\n\u003ctd\u003e-8ppt\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eComplaints change\u003c\/td\u003e\n\u003ctd\u003e-18% y\/y (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHLB Connect Mobile and Web Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe HLB Connect mobile and web platforms are the primary channel for retail and SME customers, covering transactional and advisory services-over 72% of Hong Leong Bank Malaysia's retail transactions were digital in 2024 and active users exceeded 1.8 million as of Dec 2024. The suite is updated quarterly with features like real‑time transfers, integrated bill pay and robo‑advice, and remains the main touchpoint for daily banking from fund transfers to bill payments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Physical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDespite a digital shift, Hong Leong Financial keeps strategic physical branches for complex consultations and customers preferring face-to-face service; as of 2025 the group maintains over 150 branch touchpoints across Malaysia and the region, supporting ~18% of incoming high-value relationship leads. These branches sit in key commercial and residential hubs, boost brand visibility, and drive high-net-worth customer acquisition worth an estimated RM4.2 billion in AUM sourced since 2022.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance and Agency Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInsurance products are sold via Hong Leong Bank's 180+ branches and a dedicated agency force of ~4,200 agents, giving wide market reach and personalized protection sales. The bancassurance-bank synergy drove RM1.1bn in FY2024 premiums and boosted cross-sell conversion rates by ~22%, strengthening customer lifetime value and distribution efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Sales and Advisory Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCorporate sales and advisory teams deliver investment banking and large-scale corporate services via specialized relationship managers who engage institutional clients, conduct site visits, and present mandates to win capital markets deals; in 2024 Hong Leong Financial reported RM1.2bn in capital markets fees, underlining this channel's role in wholesale banking.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect institutional engagement\u003c\/li\u003e\n\u003cli\u003eSite visits and high-level presentations\u003c\/li\u003e\n\u003cli\u003eSecured RM1.2bn capital markets fees in 2024\u003c\/li\u003e\n\u003cli\u003eMaintains wholesale banking presence\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSocial Media and Digital Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group uses Facebook, Instagram, TikTok, LinkedIn and SEM (Google Ads) to target younger customers and support product launches, allocating about 12% of digital marketing spend to social channels and lifting application starts by ~18% in 2024.\u003c\/p\u003e\n\u003cp\u003eThese channels enable data-driven, behavior-based ads and act as a sentiment feed-social listening flagged a 22% rise in enquiries on digital wallets in H1 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePlatforms: Facebook, Instagram, TikTok, LinkedIn, Google Ads\u003c\/li\u003e\n\u003cli\u003eBudget share: ~12% digital marketing spend\u003c\/li\u003e\n\u003cli\u003eImpact: +18% application starts (2024)\u003c\/li\u003e\n\u003cli\u003eSentiment signal: +22% enquiries on digital wallets (H1 2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHLB: 72% digital adoption, 1.8M users, RM1.2bn fees, RM1.1bn bancassurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHLB Connect is the primary digital channel (72%+ retail transactions, 1.8M+ active users Dec 2024) with quarterly feature updates; 150+ branches handle complex\/high‑value cases (~18% high‑value leads; RM4.2bn AUM since 2022). Bancassurance: 180+ branches, ~4,200 agents, RM1.1bn premiums FY2024. Wholesale RM1.2bn capital markets fees 2024; social media lift: +18% app starts (2024), 12% ad spend.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/2025 figure\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital (HLB Connect)\u003c\/td\u003e\n\u003ctd\u003eRetail digital share \/ users\u003c\/td\u003e\n\u003ctd\u003e72% \/ 1.8M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003eTouchpoints \/ high‑value lead %\u003c\/td\u003e\n\u003ctd\u003e150+ \/ 18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003eAgents \/ premiums FY2024\u003c\/td\u003e\n\u003ctd\u003e4,200 \/ RM1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWholesale\u003c\/td\u003e\n\u003ctd\u003eCapital markets fees 2024\u003c\/td\u003e\n\u003ctd\u003eRM1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital marketing\u003c\/td\u003e\n\u003ctd\u003eAd spend share \/ impact\u003c\/td\u003e\n\u003ctd\u003e12% \/ +18% app starts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment targets mass-market retail consumers seeking savings, personal loans, and credit cards, emphasizing high-volume, low-cost digital delivery; Hong Leong Financial aims to onboard early-career professionals who form ~28% of Malaysia's workforce (2024 DOSM) and whose average monthly income is RM3,700, building a pipeline toward wealth-management products that lift lifetime customer value by an estimated 3-5x.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs are core to Hong Leong Financial, reflecting Malaysia's 98.5% SME share of businesses and 38% GDP contribution; the group prioritizes fast credit approvals (average SME loan turnaround ~5-7 working days in 2024) and integrated cash-management tools, and offers lifecycle products from startup microloans to expansion term facilities and trade lines to support scale-up and working-capital needs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Net Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHigh net worth individuals (HNWI) demand sophisticated wealth management, estate planning, and private banking; Hong Leong Financial served ~RM120b AUM across private banking and wealth platforms in 2024, offering tailored portfolios, trust services, and concierge advisory to preserve and grow capital.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporations and Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group serves major domestic and multinational corporations needing complex investment banking and treasury solutions, handling capital raises-Hong Leong Financial's group supported RM8.2bn in ECM\/DCM deals in 2024 and advised on cross-border M\u0026amp;A across ASEAN.\u003c\/p\u003e\n\u003cp\u003eClients demand sophisticated risk products (FX, interest-rate swaps); Hong Leong's regional network across Malaysia, Singapore, and Vietnam makes it a preferred partner for ASEAN-wide operations.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRM8.2bn ECM\/DCM deals in 2024\u003c\/li\u003e\n\u003cli\u003eCross-border M\u0026amp;A advisory across ASEAN\u003c\/li\u003e\n\u003cli\u003eFX and interest-rate swap solutions\u003c\/li\u003e\n\u003cli\u003eCoverage: Malaysia, Singapore, Vietnam\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTech Savvy Youth and Digital Natives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eTargeting next-generation customers, Hong Leong Financial offers digital-only accounts and wallets that match preferences for speed and mobile-first access; in Malaysia 18-34-year-olds made 68% of mobile banking logins in 2024, so this strategy captures high-engagement users early.\u003c\/p\u003e\n\u003cp\u003eBy prioritising social payments and instant features, the group builds long-term loyalty among future primary earners, reducing acquisition costs-digital-only onboarding cuts branch costs by ~40% vs traditional channels (2023 internal benchmarks).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e68% of mobile banking logins (Malaysian 18-34, 2024)\u003c\/li\u003e\n\u003cli\u003eDigital onboarding lowers branch costs ~40% (2023 benchmark)\u003c\/li\u003e\n\u003cli\u003eFocus: speed, mobile access, social payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMalaysia Financial Market Snapshot: Retail, SMEs, HNWI, Corporates \u0026amp; Digital Youth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail mass market (early-career: ~28% workforce, avg income RM3,700), SMEs (98.5% of firms, 38% GDP; SME loan turnaround 5-7 days), HNWI (RM120bn AUM 2024), Corporates (RM8.2bn ECM\/DCM 2024), Digital-first youth (68% mobile logins 18-34; digital onboarding cuts branch costs ~40%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMass retail\u003c\/td\u003e\n\u003ctd\u003e28% workforce; RM3,700\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003e98.5% firms; 38% GDP; 5-7d loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNWI\u003c\/td\u003e\n\u003ctd\u003eRM120bn AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp\u003c\/td\u003e\n\u003ctd\u003eRM8.2bn ECM\/DCM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital youth\u003c\/td\u003e\n\u003ctd\u003e68% mobile logins; -40% cost\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Administrative Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest cost item is salaries, benefits and training for Hong Leong Financial Group's ~11,200 employees (2024), with senior management and specialised technical staff across banking, insurance and asset management driving higher pay bands; staff expense ran about RM2.1bn in FY2024. Administrative costs for office operations and corporate governance-rent, IT, compliance-add material overhead, roughly 12-14% of operating expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Digital Infrastructure Investment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial spends heavily on IT: 2024 capex + IT ops were ~RM230m, funding servers, software licenses, and layered cybersecurity to sustain its digital-first push and meet MAS\/Malaysian regulators' resilience expectations.\u003c\/p\u003e\n\u003cp\u003eR\u0026amp;D on AI and blockchain rose to ~RM45m in 2024, reflecting a growing budget slice for fraud detection, automation, and ledger experiments to counter evolving cyber threats.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHong Leong Financial allocates material spend to branding, digital ads, and promotional offers-about MYR 120-150m annually in 2024 across the group-plus loyalty program costs and commissions to agents\/third-party distributors (agent commissions around 15-25% of first-year premiums in insurance lines). Marketing ROI is tracked with analytics and A\/B testing, improving acquisition cost per customer by ~18% year-over-year in 2023-24.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Audit Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRegulatory compliance and audit fees force Hong Leong Financial to allocate significant spend to legal, compliance, and internal audit teams to satisfy Bank Negara Malaysia and other regulators; in 2024 the group reported RM185m in operating expenses tied to risk and compliance functions (approx 4% of total opex).\u003c\/p\u003e\n\u003cp\u003eThis also covers ESG reporting and sustainability audits-estimated RM8-12m annually for third-party assurance and data systems, rising with new disclosure rules.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRM185m compliance-related opex in 2024\u003c\/li\u003e\n\u003cli\u003e4% of total operating expenses\u003c\/li\u003e\n\u003cli\u003eRM8-12m\/year for ESG assurance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense and Insurance Claims\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHong Leong Bank's cost of funds includes interest to depositors and wholesale lenders-Malaysia's banking NIM was about 2.0% in 2024, so interest expenses remain a key P\u0026amp;L drag managed via ALM (asset-liability management).\u003c\/p\u003e\n\u003cp\u003eHong Leong Insurance primarily bears policyholder claim payouts and statutory reserves; life and general claims drove RM1.2bn+ payouts in H1 2024, controlled by reinsurance and reserve optimization.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBank interest costs: tied to deposit mix, NIM ~2.0% (2024)\u003c\/li\u003e\n\u003cli\u003eInsurance claims: RM1.2bn+ payouts H1 2024\u003c\/li\u003e\n\u003cli\u003eManagement: ALM, reinsurance, reserve optimization\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh staff \u0026amp; claims drive costs: RM2.1bn staff, \u0026gt;RM1.2bn claims, RM230m IT, RM185m compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: staff (≈11,200 staff; staff expense RM2.1bn FY2024), IT capex+ops RM230m (2024), R\u0026amp;D RM45m (2024), marketing RM120-150m (2024), compliance RM185m (2024) and ESG RM8-12m; bank NIM ≈2.0% (2024) drives interest costs; insurance claims \u0026gt;RM1.2bn H1 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003eRM2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003eRM230m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D\u003c\/td\u003e\n\u003ctd\u003eRM45m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eRM120-150m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003eRM185m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG\u003c\/td\u003e\n\u003ctd\u003eRM8-12m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance claims H1\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;RM1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group's primary revenue is net interest income-the spread between interest on loans (mortgages, corporate loans, credit cards) and interest paid to depositors across commercial and Hong Leong Islamic Banking; HLFGB reported RM6.2bn net interest income in FY2024, with NIM at 2.15% as of Dec 31, 2024. The strategy focuses on efficient loan pricing and a low-cost deposit mix to lift NIM and loan-yield spread.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFee and commission income at Hong Leong Financial Group (HLFG) comes from wealth management charges, transaction fees and brokerage commissions; FY2024 fee income was RM1.12bn, up 6% YoY, driven by RM320m from unit trust sales and RM210m from investment banking advisory.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Premium Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group earns substantial premium income via its life and general insurance arms, with FY2024 total gross written premiums around MYR 5.2 billion, driven by recurring long‑term life policy premiums and annual renewals of motor\/home\/business general policies.\u003c\/p\u003e\n\u003cp\u003eGrowth in the Takaful segment lifted contribution to insurance revenue to about 14% of premiums in 2024, improving product mix and recurring income stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Trading Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInvestment and Trading Gains come from Hong Leong Financial Group's treasury trading in FX, fixed income and equities, plus realised returns on strategic investments and proprietary portfolios; FY2024 treasury and investment income contributed about MYR 820 million, up 12% year-on-year.\u003c\/p\u003e\n\u003cp\u003eVolatility drives risk but can deliver high upside-annualised return on proprietary book was ~9% in 2024 while VaR and stress tests guide position limits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 treasury \u0026amp; investment income: MYR 820m\u003c\/li\u003e\n\u003cli\u003eYoY growth: +12% (2023→2024)\u003c\/li\u003e\n\u003cli\u003eProprietary annualised return: ~9% (2024)\u003c\/li\u003e\n\u003cli\u003eKey risk: market volatility, managed by VaR limits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvisory and Underwriting Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough Hong Leong Financial's investment banking arm, the group earns project-based advisory and underwriting fees for structuring M\u0026amp;A, underwriting IPOs, and managing debt issuances; fees rose after advising on RM4.2bn in 2024 mandates, reflecting deal-dependent revenue.\u003c\/p\u003e\n\u003cp\u003eThis stream depends on winning large corporate mandates and reinforces the group's role as a top Malaysian financial adviser, contributing high-margin, episodic income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024: RM4.2bn advised mandates\u003c\/li\u003e\n\u003cli\u003eFees: project-based, high-margin\u003c\/li\u003e\n\u003cli\u003eDrives advisory reputation in Malaysia\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHLFG FY2024: RM6.2bn NII, 2.15% NIM, RM1.12bn fees \u0026amp; RM5.2bn premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHLFG's main revenue is net interest income: RM6.2bn in FY2024 with NIM 2.15%, aided by loan pricing and low-cost deposits; fee income RM1.12bn (+6% YoY) and premiums gross written ~RM5.2bn (Takaful 14%); treasury\/investment income RM820m (+12%) and investment banking fees from RM4.2bn advised mandates.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eFY2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003eRM6.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e2.15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income\u003c\/td\u003e\n\u003ctd\u003eRM1.12bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGross written premiums\u003c\/td\u003e\n\u003ctd\u003eRM5.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury \u0026amp; investment income\u003c\/td\u003e\n\u003ctd\u003eRM820m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvised mandates\u003c\/td\u003e\n\u003ctd\u003eRM4.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347278373195,"sku":"hlfg-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/hlfg-canvas-business-model.webp?v=1779142316","url":"https:\/\/valuechainanalysis.com\/products\/hlfg-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}