This report has been reviewed and approved by HLB's senior management and the Board of Directors ("BOD"). The contents of this Sustainability Report are governed by a Sustainability Committee ("SC") which reviews all material topics to ensure that they are aligned with the organisation's strategies. The report was recommended to, and endorsed by, the Board Risk Management Committee ("BRMC") of the BOD. This report's content has been externally assured by an independent body, Malaysia's leading certification, inspection and testing body, SIRIM QAS International Sdn Bhd. In preparing this report, we have adhered to best practice disclosure standards of our assurers and of the reporting field. [...] The Bank is an active participating member of the subcommittees set up under the Joint Committee for Climate Change ("JC3") as well as the BNM CCPT Implementation Group, both of which promotes the standardisation and upgrading of standards for the advancement of climate change management across the financial sector. In 2021, the Bank, together with other pilot Malaysian Banks contributed to the development of the BNM CCPT and are actively involved in its implementation through the industry group meetings and deliberations. Through this, the Bank has provided constructive feedback and suggestions to enable greater clarity and ensure a standardised approach in adopting the BNM CCPT classifications. In 2022, the Bank collaborated with JC3 peers, leading to BNM's release of the TCFD Application Guide for Malaysian Financial Institutions. [...] To strengthen the accountability towards our sustainability commitments, we also incorporated sustainability and value-based intermediation ("VBI") as part of the goals and key result areas ("KRA") for all members of the SC and Sustainability Working Committee ("SWC") and as part of the HLB Core Values (refer to the Bank's Core Values section on page 8) for all employees. [...] The Bank's Sustainability Risk Governance Framework addresses potential ESG risks that may arise during the implementation of our business strategies, policies and initiatives. This framework provides a structured approach towards identifying, evaluating, quantifying, monitoring, mitigating and reporting of ESG risks. It acts as a guide for us to adopt pragmatic measures to ensure sustainable value to our stakeholders is delivered whilst generating a positive impact to the communities and environments that we operate in. As the Bank's sustainability approach evolves, we will continue to improve transparency in our practices and policies as well as improve communication with our stakeholders. [...] Strategic sustainability priorities are set by the Board of Directors who are responsible for ensuring sound governance and effective oversight of the Bank's Sustainability Strategy. They delegate the review of management's implementation of the Bank's Sustainability Strategy to our Board-level Risk Management committees. The Sustainability Committee and Sustainability Working Committee are both responsible for the implementation of Sustainability Strategies and in managing and mitigating identified ESG risks which includes physical and transition risks. Management provides periodic reporting to the BRMC on execution statuses as well as the results attained. This is coordinated and monitored by both the Sustainability department and the Sustainability Risk department. [...] The Bank has provided valuable feedback on an Exposure Draft about Fair Treatment of Vulnerable Consumers issued by BNM in June 2022. The input will aid the regulator in further developing the FTFC Policy Document to protect financially vulnerable consumers. It is an objective that the Bank is aligned to, as we are committed to deliver good financial outcomes to all our customers and we believe in building long-term and mutually beneficial relationships with our customers.