Summary of Key Points Group 1: 52-Week Highs - A total of 45 stocks reached their 52-week highs as of October 23, with notable performers including Base Champion Group (08460) at 234.56%, Tianjin Chuangye Environmental Protection Co., Ltd. (01065) at 136.88%, and Liji Engineering Holdings (01690) at 80.26% [1] - The closing prices and peak prices for the top three stocks are as follows: Base Champion Group closed at 0.250 with a peak of 0.455, Tianjin Chuangye at 4.880 with a peak of 10.020, and Liji Engineering at 0.105 with a peak of 0.137 [1] Group 2: 52-Week Lows - The report also highlighted stocks that reached their 52-week lows, with Huaxi Holdings (01689) showing a decline of 16.67%, China New Economy Equity (02958) down by 14.17%, and Agile Holdings (00186) down by 13.16% [2] - The closing prices and lowest prices for the top three declining stocks are: Huaxi Holdings at 0.400 with a low of 0.350, China New Economy at 0.123 with a low of 0.103, and Agile Holdings at 0.165 with a low of 0.165 [2]

Core Insights - The report indicates an optimistic outlook for the Greater Bay Area (GBA) industries, with a confidence index showing current and future values of 55.5 and 57.3 respectively, both increasing by approximately 5 points from the previous year [1] - The overall annual growth rate for the six key industries in the GBA has accelerated from 4.9% last year to 7.1% this year, with the innovation and technology sector leading the growth at 14.8% [1] Industry Performance - The GBA's six key industries are experiencing a positive growth momentum, primarily driven by the innovation and technology sector, which has become the core engine of regional development [2] - The manufacturing sector is advancing towards intelligent development, achieving a growth rate of 8.1% [1] Strategic Insights - The Hong Kong government emphasizes that AI and "going global" are strategic breakthroughs for high-quality development in Hong Kong and the GBA, aiming to leverage policy guidance and market forces to create broader opportunities for businesses, talent, and capital [1] - The index serves as a reference for businesses in making forward-looking and strategic decisions, helping them understand emerging trends in cross-border markets and the actual needs of GBA enterprises and SMEs [2]

Core Viewpoint - The significant rise in Hang Seng Bank's stock price has led to a collective increase in local Hong Kong bank stocks, driven by a proposal for privatization by HSBC Asia Pacific [1] Group 1: Stock Performance - Hang Seng Bank's stock increased by nearly 15%, reaching a price of 136.800 HKD, with a total market capitalization of 256.601 billion HKD and a year-to-date increase of 52.42% [2] - East Asia Bank's stock rose by 8.02%, with a current price of 13.200 HKD and a market cap of 34.805 billion HKD, reflecting a year-to-date increase of 45.21% [2] - Dah Sing Banking Group's stock saw a rise of 7.18%, priced at 10.600 HKD, with a market cap of 14.901 billion HKD and a year-to-date increase of 41.33% [2] - Bank of China Hong Kong's stock increased by 2.15%, with a price of 37.000 HKD and a market cap of 391.193 billion HKD, showing a year-to-date increase of 61.21% [2] - Standard Chartered Group's stock rose by 0.65%, priced at 154.000 HKD, with a market cap of 353.058 billion HKD and a year-to-date increase of 66.64% [2] Group 2: Privatization Proposal - HSBC Asia Pacific has requested the board of Hang Seng Bank to present a proposal to shareholders for privatization under Section 673 of the Companies Ordinance [1]

Group 1 - The core point of the news is that local bank stocks in Hong Kong have collectively risen, driven by a significant increase in Hang Seng Bank's share price, which surged nearly 15% following a privatization proposal [1] - Hang Seng Bank announced that HSBC Asia Pacific, as the offeror, has requested the board to present a proposal to shareholders for privatization under section 673 of the Companies Ordinance [1] Group 2 - Hang Seng Bank's stock rose by 14.96%, reaching a latest price of 136.800, with a total market capitalization of 256.01 billion and a year-to-date increase of 52.42% [2] - East Asia Bank's shares increased by 8.02%, with a latest price of 13.200 and a market cap of 34.805 billion, reflecting a year-to-date rise of 45.21% [2] - Dah Sing Banking Group's stock rose by 7.18%, with a latest price of 10.600 and a market cap of 14.901 billion, showing a year-to-date increase of 41.33% [2] - Bank of China Hong Kong's shares increased by 2.15%, with a latest price of 37.000 and a market cap of 391.193 billion, marking a year-to-date rise of 61.21% [2] - Standard Chartered Group's stock saw a modest increase of 0.65%, with a latest price of 154.000 and a market cap of 353.058 billion, reflecting a year-to-date increase of 66.64% [2]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | 截至月份: | 2025年9月30日 | 狀態: 新提交 | | --- | --- | --- | | 致：香港交易及結算所有限公司 | | | | 公司名稱: | 大新銀行集團有限公司 | | | 呈交日期: | 2025年10月2日 | | | I. 法定/註冊股本變動 不適用 | | | FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | | 股份類別 | 不適用 | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02356 | | 說明 | | | | | | | | | 已發行股份（不包括庫存股份）數目 | | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | | 1,405,752,132 | | 0 | | 1,405,752,132 | | 增加 / 減 ...

Core Viewpoint - A recent surge in "exclusive retirement financial" scams targeting elderly individuals has been reported, with many falling victim due to their urgent need for wealth appreciation and limited ability to discern information [1][2] Group 1: Scam Characteristics - The scams often promise high returns, such as "capital protection + annualized high returns," which significantly exceed the yields of legitimate financial products [3][4] - Common tactics include offering immediate cash returns, like a promise of 6,000 yuan interest for a 50,000 yuan deposit on the same day, which misleads victims into a false sense of security [2][3] - Scammers utilize social circles and trust relationships to spread their schemes, often encouraging victims to recruit new participants for additional rewards [3][4] Group 2: Warning Signs and Prevention - Legitimate financial institutions do not guarantee "capital protection" or promise annualized returns exceeding 8%, and any such claims should be treated with suspicion [4][6] - Elderly individuals are advised to verify the legitimacy of financial products through official channels, such as bank apps or licensed third-party platforms, and to avoid downloading unofficial apps or transferring funds to personal accounts [6][7] - It is recommended that elderly individuals consult with family members before making financial decisions and to be cautious of high-return promises that deviate from market norms [7][8] Group 3: Market Trends and Awareness - The awareness of retirement planning among new affluent groups is increasing, with nearly 48.6% of respondents indicating they have a retirement plan [5][6] - The shift in retirement planning strategies shows a move away from traditional savings towards purchasing retirement insurance and diversifying financial preparations [6]

(Incorporated in Hong Kong with limited liability under the Companies Ordinance) （根據公司條例於香港註冊成立之有限公司） The holding company of Dah Sing Bank, Limited 大新銀行有限公司之控股公司 (Stock Code 股份代號: 2356) 各位股東： 大新銀行集團有限公司（「本公司」） 致新登記股東之函件 - 選擇公司通訊之語言版本及收取方式 隨函附上本公司 2025 年中期業績報告之中文及英文版本，該報告亦已上載於大新銀行網站 www.dahsing.com 和香港交易及結算所有限 公司（「香港交易所」）網站 www.hkexnews.hk。 閣下可於大新銀行網站主頁點擊「關於我們」，再選擇「財務資料」以閱覽 2025 年中 期業績報告，或瀏覽香港交易所網站。 以電子方式發布公司通訊之安排 根據香港聯合交易所有限公司證券上市規則、本公司的組織章程細則以及公司條例（香港法例第 622 章），現謹此通知 閣下，本公司已採用以 電子方式發布公司通訊(附註 1)之安排。 請注意，所有日 ...

(Incorporated in Hong Kong with limited liability under the Companies Ordinance) （根據公司條例於香港註冊成立之有限公司） The holding company of Dah Sing Bank, Limited 大新銀行有限公司之控股公司 (Stock Code 股份代號: 2356) Dear Non-Registered Shareholder(Note 1) , 16 September 2025 Dah Sing Banking Group Limited (the "Company") - Notice of Publication of 2025 Interim Report ("Current Corporate Communication") The English and Chinese versions of the Current Corporate Communication of the Company are available on the website of Dah Sing Bank at ...

Dah Sing Banking Group Limited (the "Company") - Notice of Publication of 2025 Interim Report ("Current Corporate Communication") The English and Chinese versions of the Current Corporate Communication of the Company are available on the website of Dah Sing Bank at www.dahsing.com and the website of Hong Kong Exchanges and Clearing Limited ("HKEX") at www.hkexnews.hk. You may access the Current Corporate Communication by clicking "About Us" on the home page of the website of Dah Sing Bank, then selecting "F ...

Financial Performance - Net interest income for the six months ended June 30, 2025, increased by 9.4% to HK$2,776,458,000 compared to HK$2,538,695,000 in 2024[5] - Net fee and commission income rose by 20.4% to HK$726,763,000 from HK$603,386,000 year-on-year[5] - Operating profit before impairment losses grew by 23.4% to HK$2,088,521,000, up from HK$1,691,892,000 in the previous year[5] - Profit attributable to shareholders increased by 13.1% to HK$1,578,850,000 compared to HK$1,396,074,000 in 2024[5] - The bank's operating income for the period was HK$3,795,596,000, reflecting a 15.5% increase from HK$3,286,757,000 in 2024[5] - The profit for the period ended June 30, 2025, was HK$1,578,850,000, representing an increase from HK$1,396,074,000 for the same period in 2024, which is a growth of approximately 13%[10] - Basic earnings per share for the six months ended June 30, 2025, were HK$1,578,850,000, up from HK$1,396,074,000 in 2024, indicating a growth of 13.0%[64] - Profit before taxation for the six months ended June 30, 2025, was HK$1,819,057, compared to HK$1,579,921 in 2024, indicating an increase of about 15.2%[198] Assets and Liabilities - Total assets as of June 30, 2025, amounted to HK$260,683,805,000, a rise from HK$256,339,081,000 at the end of 2024[8] - Customer deposits reached HK$203,954,890,000, up from HK$201,568,051,000 in the previous period[8] - Total equity increased to HK$35,140,583,000 from HK$33,823,372,000 year-on-year[8] - The bank's cash and balances with banks stood at HK$14,896,976,000, compared to HK$14,131,725,000 at the end of 2024[8] - Total liabilities were reported at HK$225,543,222, with a notable increase in subordinated notes to HK$4,273,505[160] - The total amount of trading securities listed in Hong Kong was HK$4,899,000 as of June 30, 2025, down from HK$9,790,000 at the end of 2024[69] - The total gross loans and advances amounted to HK$139,489,360, an increase from HK$138,374,285 as of December 31, 2024[84] Income and Expenses - Total operating expenses amounted to HK$1,707,075,000 in 2025, compared to HK$1,594,865,000 in 2024, reflecting an increase of 7.0%[48] - Employee compensation and benefit expenses rose to HK$1,227,675,000 in 2025, up from HK$1,113,239,000 in 2024, an increase of 10.3%[48] - The operating expenses for the six months ended June 30, 2025, totaled HK$1,707,075, compared to HK$1,594,865 in 2024, representing an increase of approximately 7.0%[194] Credit and Impairment - Credit impairment losses rose by 33.8% to HK$728,082,000 from HK$544,007,000 in the previous year[5] - New credit impairment allowances net of releases increased to HK$779,270,000 in 2025 from HK$582,402,000 in 2024, reflecting a rise of 33.8%[50] - The total impairment allowances increased to HK$1,917,097 as of June 30, 2025, compared to HK$1,532,345 as of December 31, 2024[84] - Credit-impaired loans and advances decreased to HK$4,350,004 as of June 30, 2025, from HK$4,437,683 as of December 31, 2024, representing 3.12% of total loans[84] Dividends and Shareholder Returns - The company paid a final dividend of HK$548,243,000 for 2024, which is a decrease from HK$688,818,000 for 2023, indicating a reduction of about 20%[13] - Retained earnings increased to HK$25,889,548,000 as of June 30, 2025, compared to HK$24,876,838,000 as of December 31, 2024, reflecting a growth of about 4.1%[140] Cash Flow and Liquidity - Cash flows from operating activities for the six months ended June 30, 2025, were HK$2,016,466,000, compared to a cash outflow of HK$1,958,962,000 in 2024, indicating a significant turnaround[13] - The net cash used in investing activities was HK$69,267,000 for the first half of 2025, compared to HK$140,599,000 in the same period of 2024, showing an improvement in cash management[13] - The net liquidity gap was reported at HK$35,140,583, indicating a strong liquidity position[160] Market and Investment Performance - The other comprehensive income for the period was HK$304,501,000, a significant increase compared to HK$54,118,000 in the same period of the previous year[10] - Net gain from foreign currency trading increased significantly to HK$242,992,000 in 2025 from HK$89,746,000 in 2024, representing a growth of 170%[44] - The company reported a total of HK$46,733,586 in financial assets at fair value through other comprehensive income, reflecting strong investment performance[160] Regulatory and Compliance - The Group does not expect the amendments to accounting standards effective from January 1, 2025, to have a material impact on its operations or financial statements[24] - The Group's management is currently assessing the implications of the new HKFRS 18, which will replace HKAS 1 and is expected to enhance comparability and transparency in financial reporting[30]