香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該 等內容而引致的任何損失承擔任何責任。 * 獨立非執行董事 恒生銀行有限公司 公司秘書及企業管治主管 張嘉琪 謹啟 2025 年 4 月 15 日 恒生銀行有限公司 股份代號: 11（港幣櫃台）及 80011（人民幣櫃台） 董事委員會會議公告 謹通告恒生銀行有限公司 (「本行」) 將於 2025 年 4 月 29 日 (星期二) 於香港德 輔道中 83 號舉行董事委員會會議，以(其中包括)考慮宣派本行 2025 年度第一次 中期股息。 於本 公 告日 期 當日，本 行之 董 事 會成 員為 利 蘊蓮 *（董 事 長），施穎茵 （ 行 政 總 裁 ） ， 鄭 維 新 *， 鍾郝儀 *， 顏杰慧 #， 郭敬文 *，林詩韻 *， 廖宜 建#， 林 慧如*， 蘇雪 冰， 王小彬 *及 周蓉#。 # 非執行董事 Hang Seng Bank Limited 於香港註冊成立的有限公司 註冊辦事處及總行地址：香港德輔道中 83 號 ...

股份代號: 11（港幣櫃台）及 80011（⼈⺠幣櫃台） 利 蘊 蓮 執 行 董 事 施 穎 茵 （ 行 政 總 裁 ） 蘇 雪 冰 非 執 行 董 事 顏 杰 慧 廖 宜 建 周 蓉 獨 立 非 執 行 董 事 鄭 維 新 鍾 郝 儀 郭 敬 文 林 詩 韻 林 慧 如 王 小 彬 董事 名 單及 其 角色 與職 能 自 2025 年 4 月 1 日 起，鄭 維 新 獲 委 任 為 恒 生 銀 行 有 限 公 司（「 本 行 」）獨 立 非 執 行 董 事。鄭 先 生 同 時 出 任 提 名 委 員 會、審 核 委 員 會、風 險 委 員 會 及 薪 酬 委 員 會 的 成 員 。 本 行 董 事 會 （ 「 董 事 會 」 ） 成 員 載 列 如 下 ： 獨 立 非 執 行 董 事 ⻑ 註 ： * 執行委員會的其他成員均非本行的董事 C 有關委員會的主席 M 有關委員會的成員 香 港 2025年 4月 1日 恒生銀行有限公司 Hang Seng Bank Limited 於香港註冊成立之有限公司 註冊辦事處及總行地址：香港德輔道中 83 號 董 事 執 行 委 員 會 * 審 核 委 員 會 風 險 委 ...

Group 1 - The company has signed a sales agreement with Hang Seng Bank (China) Limited to start selling the Invesco Great Wall Jingyi Dual Benefit Bond Fund A class shares from March 31, 2025 [1] - The sales process, handling time, and methods will be subject to the regulations of Hang Seng Bank [1] - The announcement includes details about the applicable fund and the opening of fund business [1][2] Group 2 - Investors can apply for regular investment plans through the sales institution, which will automatically complete the deduction and fund purchase on the agreed date [2] - If the sales institution opens conversion services, investors must ensure that the funds are in a redeemable state before applying for conversion [2] - The sales institution may offer discounts on subscription fees for one-time purchases or regular investment plans, subject to their arrangements [2] Group 3 - From April 2, 2025, there will be a limit on the application amount for the C and F class shares of the fund, with a maximum of 10 million yuan per day per fund account [3][4] - If the conversion application fails, the original fund conversion request will also be partially or fully rejected [4] - Large subscriptions and conversion services for the C and F class shares will resume on April 7, 2025, without further announcements [4] Group 4 - The company emphasizes the importance of reading the fund contract and prospectus before investing [5] - The company has established standards and procedures for selecting securities firms for trading, focusing on financial health and compliance [6] - The company conducts regular evaluations of securities firms to determine their participation in trading activities [6]

Stock codes: 11 (HKD counter) and 80011 (RMB counter) 股份代號: 11（港幣櫃台）及 80011（人民幣櫃台） Personal Identification Number 個人識別號碼 NOTIFICATION LETTER 通知信函 28 March 2025 Dear Shareholder, For corporate shareholders who wish to appoint representatives to attend, participate and vote at the AGM on their behalf through the Online Platform, please call the Bank's Share Registrar, Computershare Hong Kong Investor Services Limited at (852) 2862 8555 well in advance of the AGM for arrangements. Yours faithfully, Cheung Ka K ...

Stock codes: 11 (HKD counter) and 80011 (RMB counter) 股份代號: 11（港幣櫃台）及 80011（人民幣櫃台） NOTIFICATION LETTER 通知信函 28 March 2025 Dear Non-registered Shareholder (Note) , Hang Seng Bank Limited (the "Bank") – Notice of publication of Annual Report 2024, Circular and Notice of Annual General Meeting (collectively "Current Corporate Communications") and Environmental, Social and Governance Report 2024 The Bank's Annual General Meeting will be held at Hang Seng Bank Headquarters, 83 Des Voeux Road Central, Hong Kong a ...

Stock codes: 11 (HKD counter) and 80011 (RMB counter) 股份代號: 11（港幣櫃台）及 80011（人民幣櫃台） NOTIFICATION LETTER 通知信函 28 March 2025 Dear Shareholder, Hang Seng Bank Limited (the "Bank") – Notice of publication of Annual Report 2024 and Circular together with Notice and Form of Proxy of Annual General Meeting (collectively "Current Corporate Communications") and Environmental, Social and Governance Report 202 4 The Bank's Annual General Meeting will be held at Hang Seng Bank Headquarters, 83 Des Voeux Road Central, Ho ...

以及考慮並酌情通過（不論會否作出修訂）下列議決案為普通議決案： – 1 – 香 港 交 易 及 結 算 所 有 限 公 司 及 香 港 聯 合 交 易 所 有 限 公 司 對 本 公 告 的 內 容 概 不 負 責 ， 對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明 ， 並 明 確 表 示 ， 概 不 對 因 本 公 告 全 部 或 任 何 部 分 內 容 而 產 生 或 因 倚 賴 該 等 內 容 而 引 致 的 任 何 損 失 承 擔 任 何 責 任 。 股份代號：11（港幣櫃台）及 80011（人民幣櫃台） 公告 股東周年常會通告 茲通告 恒 生 銀 行 有 限 公 司（「本 行」）謹 訂 於2025年5月8日（星 期 四）下 午3時30分 於香港 德輔道中83號 恒 生 銀 行 總 行 以 及 通 過 網 上 平 台（https://meetings.computershare.com/ HangSeng2025AGM&Locale=zh-hk）為下列目的而舉行股東周年常會（「股東會」）： 普通議決案 (3) 復聘羅兵咸永道會計師事務所為本行核數師，並授權本行董事會釐定核數師酬金； ...

此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註 冊證券交易商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已售出或轉讓名下全部恒生銀行有限公司股份，應立即將本通函及隨附的投票委託 書送交買方或承讓人，或送交經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交予 買方或承讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函的內容概不負責，對其準 確性或完整性亦不發表任何聲明，並明確表示，概不對因本通函全部或任何部份內容而產 生或因倚賴該等內容而引致的任何損失承擔任何責任。 股東周年常會通告及 建議重選╱選舉董事、 發行股份及回購股份的一般性授權 及 採納新章程細則 恒生銀行有限公司 Hang Seng Bank Limited （於香港註冊成立的有限公司） 股份代號：11（港幣櫃台）及80011（人民幣櫃台） 本行於2025年5月8日（星期四）下午3時30分舉行之股東會的通告，載於本通函第5至第9頁。 股東會將以混合模式舉行，分別於香港德輔道中83號恒生銀行總行現場舉行，以及股東可使 用 任 何 智 能 電 話、平 板 裝 置 或 電 腦 登 ...

股份代號： 11（港幣櫃台）及 80011（人民幣櫃台） 環境、社會及管治報告 2024 重要聲明及互聯網私隱政策聲明 © 恒生銀行有限公司 滙豐集團成員 概覽 環境 社會 管治 附錄 恒生銀行 環境、社會及管治報告 2024 2 目錄 14 環境 32 社會 50 管治 概覽 社會 管治 附錄 （本文件乃中文譯本，文義如與英文版有歧異，概以英文版為準。） 概覽 環境 社會 管治 附錄 恒生銀行 環境、社會及管治報告 2024 3 摘要 環境 16 我們的過渡方針 20 支援客戶 24 融入淨零碳排放 3 摘要 5 董事會聲明 6 行政總裁的話 7 我們的ESG旅程 13 2024年關鍵摘要 34 我們的共融承諾 36 建立健康職場 39 提升技能、發展事業及 開拓機遇 42 建立客戶共融與復元力 46 與社區的互動 52 制定高標準的管治 54 客戶體驗 56 誠信、操守及公平 62 保護資料 65 關於本報告 69 關鍵指標 — 表現數據摘要 77 核實聲明 我們的環境、社會及管治（「ESG」）方針 環境 過渡至淨零 於2030年或之前，使自身 業務營運達至淨零排放1 ， 並為客戶提供多元化的氣候 金融產 ...

Financial Performance - The bank reported a net profit attributable to shareholders of HKD 18,379 million for 2024, an increase from HKD 17,848 million in 2023, representing a growth of 3%[10] - The bank's operating profit for 2024 was HKD 21,558 million, up from HKD 19,946 million in 2023, reflecting a growth of 8%[10] - The bank's earnings per share increased to HKD 9.33 in 2024 from HKD 8.97 in 2023, reflecting a growth of 4%[10] - Profit before tax rose by 5% year-on-year to HKD 21.014 billion, and earnings attributable to shareholders increased by 3% to HKD 18.379 billion[40] - The company's total revenue for 2024 was HKD 41.54 billion, up from HKD 40.82 billion in 2023[59] Asset and Capital Management - The bank's total assets increased to HKD 1,795,196 million in 2024 from HKD 1,692,094 million in 2023, marking a growth of approximately 6%[11] - The bank's common equity tier 1 capital ratio was 17.7% in 2024, slightly down from 18.1% in 2023, indicating a stable capital position[11] - Shareholders' equity grew by HKD 10 billion, or 1%, from HKD 168.1 billion in 2023 to HKD 169.5 billion in 2024[106] - The bank's financial investments increased from HKD 405.8 billion in 2023 to HKD 541.2 billion in 2024, a growth of 33.3%[98] Income Sources - Non-interest income increased by 26% year-on-year, reaching HKD 10.753 billion, improving its share of total operating income from 21% in 2023 to 26% in 2024[38] - Wealth management income grew by 22% year-on-year, contributing to the overall non-interest income growth[31] - The bank's life insurance-related income rose by 17% to HKD 3.119 billion, driven by increased insurance service income[39] - The bank's commercial banking net operating income decreased by 4% to HKD 10.226 billion, while non-interest income grew by 9%[50] Loan and Deposit Trends - The bank's net interest income decreased by 5% to HKD 30.784 billion due to weak loan demand and interest rate cuts expected in the second half of 2024[39] - Customer loans (net of expected credit loss provisions) decreased by HKD 41 billion, or 5%, to HKD 819 billion[97] - Customer deposits increased by HKD 86 billion, or 7%, from HKD 1,180.6 billion in 2023 to HKD 1,267.0 billion in 2024[103] - The loan-to-deposit ratio improved from 72.9% in 2023 to 64.7% in 2024, indicating a stronger liquidity position[104] Risk Management - The bank's risk management framework emphasizes a culture of risk awareness and accountability across all levels of the organization[112] - The risk management tools include processes for identifying, assessing, monitoring, managing, and reporting risks to maintain them within acceptable levels[121] - The group conducts extensive stress testing to assess the impact of severe adverse events on financial stability and to enhance regulatory confidence[126] - The company has identified geopolitical and macroeconomic risks as primary emerging risks for 2024, particularly due to uncertainties surrounding the upcoming elections and changes in U.S. domestic and foreign policies[132] Credit Risk and Expected Credit Loss - The expected credit loss changes decreased by HKD 1.475 billion, or 24%, to HKD 4.773 billion, mainly due to reduced provisions for wholesale loan customers[73] - The total amount of loans classified under Stage 3, which indicates objective evidence of impairment, is 51,009 million, with an expected credit loss provision of 9,764 million, leading to a coverage ratio of 38.03%[189] - The expected credit loss coverage ratios for Stage 1, Stage 2, and Stage 3 loans are 0.06%, 2.84%, and 19.14% respectively, indicating a significant increase in credit risk as loans progress through the stages[189] - The company has measures in place for loans in financial difficulty, including modifications to repayment terms, which may classify loans as impaired[177] Strategic Initiatives - The bank plans to strengthen its cross-border business to better meet the banking service needs of retail and corporate clients in response to new economic policies in Hong Kong and mainland China[23] - The bank launched a HKD 33 billion SME Power Up financing fund to support local SMEs and an HKD 80 billion sustainable development financing fund for green transformation projects[36] - The company is focused on sustainable financing solutions to assist clients in transitioning to low-carbon operations[55] Customer Engagement and Digital Transformation - The bank serves nearly 4 million customers, leveraging its award-winning mobile banking application and extensive physical network of over 250 service points in Hong Kong[7] - Active users of mobile wealth management and online banking grew by 24% and 6% year-on-year, respectively[54] - The number of new retail accounts opened by mainland customers surged by 81% year-on-year[32] Market and Economic Outlook - Economic growth is expected to continue in major markets like the U.S. and U.K. in the second half of 2024, driven by expansionary fiscal and monetary policies[138] - The outlook for 2025 remains uncertain due to potential significant changes in U.S. economic and foreign policies, which could impact global economic growth and inflation forecasts[139] - The real estate market in mainland China and Hong Kong remains sluggish despite multiple government policies aimed at supporting recovery, with no significant signs of revival observed[140]