Core Viewpoint - Dah Sing Bank Group (02356) reported a solid performance for the interim results of 2025, with significant increases in net interest income and shareholder profit, indicating resilience in personal banking despite challenges in corporate banking [1] Financial Performance - The group achieved net interest income of HKD 2.776 billion, a year-on-year increase of 9.4% [1] - Shareholder profit attributable to the company was HKD 1.579 billion, reflecting a year-on-year increase of 13.1% [1] - Basic earnings per share stood at HKD 1.12 [1] Business Segment Analysis - Personal banking showed robust performance, with operating income rising by 13% year-on-year and post-impairment operating profit increasing by 26% [1] - The strong growth in personal banking was primarily driven by significant increases in wealth management and bancassurance income [1] - Conversely, corporate banking experienced a decline in operating income due to weak customer loan demand, although this was partially offset by a slight increase in non-interest income [1] - The post-impairment operating profit for corporate banking fell by 55% year-on-year due to reduced income and increased credit impairment losses [1]

Core Insights - Daxin Bank Group reported a net interest income of HKD 2.776 billion for the fiscal year 2025, representing a year-on-year increase of 9.4% [1] - The profit attributable to shareholders reached HKD 1.579 billion, up 13.1% year-on-year, with basic earnings per share at HKD 1.12 [1] Personal Banking Performance - The personal banking segment showed robust performance, with operating income increasing by 13% year-on-year and post-impairment operating profit rising by 26% [1] - This growth was primarily driven by strong increases in wealth management and bank insurance business revenues [1] Corporate Banking Performance - The corporate banking segment experienced a decline in operating income, mainly due to weak customer loan demand, although this was partially offset by a slight increase in non-interest income [1] - Due to reduced income and increased credit impairment losses, the post-impairment operating profit for this segment fell by 55% year-on-year [1]

Group 1 - The company, Dah Sing Bank Group (02356.HK), has announced the appointment of KPMG as its external auditor for the fiscal year ending December 31, 2026 [1] - The decision will be presented for shareholder approval at the next annual general meeting [1]

Core Viewpoint - Dah Sing Bank Group reported a solid interim performance for the first half of 2025, with a net profit attributable to shareholders of HKD 1.579 billion, representing a year-on-year increase of 13.1% [1] Financial Performance - The basic earnings per share for the first half of 2025 was HKD 1.12, with an interim dividend proposed at HKD 0.31 per share [1] - Net interest income increased by 9% year-on-year, primarily due to a faster decline in funding costs compared to asset yields amid downward pressure on Hong Kong interbank offered rates since May [1] - The net interest margin widened by 23 basis points to 2.32% compared to the same period last year, reflecting prudent cost management [1] - The loan-to-deposit ratio slightly increased from 67.2% at the end of 2024 to 67.8%, aligning with moderate loan growth and disciplined deposit cost management [1] Non-Interest Income - Non-interest income saw a strong growth of 36%, driven by a 20% increase in net service fees and commissions, as well as a combined increase of 102% in net trading income and other operating income [1] Overall Performance - The overall performance remained robust due to high net interest margins and strong service and trading income, although some growth was offset by increased operating expenses and credit impairment losses [1] - The profit attributable to shareholders increased by 13% to approximately HKD 1.6 billion, with HKD 44.3 billion coming from the positive contribution of Chongqing Bank [1]

羅兵咸永道已於2025年5月30日舉行的股東週年大會上續聘，作為本集團現任核數師，將 繼續擔任外聘核數師及審核本集團截至2025年12月31日止年度綜合財務報表。董事會對 羅兵咸永道多年來為本集團提供之專業服務及支持表示衷心感謝。 因此，羅兵咸永道將於2026年舉行之本公司股東週年大會結束時退任本公司之核數師。 畢馬威的委任將於羅兵咸永道退任後即時生效。 董事會認為，羅兵咸永道預期退任核數師一事並無任何需要提呈股東垂注的事項。 建議更換核數師 大新銀行集團有限公司（「本公司」）宣布，其董事會（「董事會」）已決議委任畢馬威 會計師事務所（「畢馬威」）為本公司及其附屬公司（統稱「本集團」）截至2026年12月 31日止年度的外聘核數師，並將於本公司下屆股東週年大會上提呈股東批准。 董事會經考慮羅兵咸永道會計師事務所（「羅兵咸永道」）作為本集團的核數師之任期後 及依照最佳企業管治慣例，於2025年第二季度就外聘核數師一職啟動招標程序，並於 2025年8月19日，董事會批准本公司審核委員會（「審核委員會」）關於委任畢馬威作為 本集團截止2026年12月31日止年度的外聘核數師之建議（「建議」）。 該建議乃在審核委員會 ...

EF001 免責聲明 | 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 | | | --- | --- | | 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。 | | | 股票發行人現金股息公告 | | | 發行人名稱 | 大新銀行集團有限公司 | | 股份代號 | 02356 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年6月30日止6個月之中期股息 | | 公告日期 | 2025年8月20日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 股 0.31 HKD | | 股東批准日期 | 不適用 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | 每 股 0.31 HKD | | 匯率 | 1 HKD : ...

Company Information and Performance Summary [Company Profile](index=1&type=section&id=1.1%20公司简介) Dah Sing Banking Group Limited and its subsidiaries primarily provide banking, financial, and other related services, with its holding company being Dah Sing Financial Group Limited, a Hong Kong-listed company - Dah Sing Banking Group Limited is a bank holding company, and its principal subsidiary, Dah Sing Bank, Limited, is a licensed bank in Hong Kong[8](index=8&type=chunk) - The Company's immediate and ultimate holding company is Dah Sing Financial Group Limited, a Hong Kong-listed company[9](index=9&type=chunk) [2025 Interim Performance Overview](index=1&type=section&id=1.2%202025%E5%B9%B4%E4%B8%AD%E6%9C%9F%E4%B8%9A%E7%BB%A9%E6%A6%82%E8%A7%88) For the six months ended June 30, 2025, Dah Sing Banking Group recorded unaudited profit attributable to shareholders of HK$1,578.9 million 2025 Interim Profit Attributable to Shareholders | Metric | Amount (HKD) | | :--- | :--- | | Profit Attributable to Shareholders | 1,578,900,000 | [Condensed Consolidated Income Statement](index=1&type=section&id=1.3%20简明综合收益账) For the six months ended June 30, 2025, the Group's operating income increased by 15.5% year-on-year to HK$3.796 billion, with net interest income up 9.4% and net fee and commission income up 20.4%; however, credit impairment losses significantly increased by 33.8% year-on-year Key Data from Condensed Consolidated Income Statement (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | 2,776,458 | 2,538,695 | 9.4 | | Net Fee and Commission Income | 726,763 | 603,386 | 20.4 | | Operating Income | 3,795,596 | 3,286,757 | 15.5 | | Operating Expenses | (1,707,075) | (1,594,865) | 7.0 | | Operating Profit Before Impairment Losses | 2,088,521 | 1,691,892 | 23.4 | | Credit Impairment Losses | (728,082) | (544,007) | 33.8 | | Profit Before Tax | 1,819,057 | 1,579,921 | 15.1 | | Profit Attributable to Shareholders of the Company | 1,578,850 | 1,396,074 | 13.1 | | Basic Earnings Per Share | HK$1.12 | HK$0.99 | - | [Condensed Consolidated Statement of Comprehensive Income](index=2&type=section&id=1.4%20简明综合全面收益表) For the six months ended June 30, 2025, the Group's total comprehensive income for the period after tax was HK$1.883 billion, a significant year-on-year increase of 29.87%, primarily influenced by exchange differences on translating financial statements of overseas operations and net fair value changes in investment securities Key Data from Condensed Consolidated Statement of Comprehensive Income (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | | Profit for the Period | 1,578,850 | 1,396,074 | | Other Comprehensive Income for the Period, After Tax | 304,501 | 54,118 | | Total Comprehensive Income for the Period, After Tax | 1,883,351 | 1,450,192 | - Exchange differences on translating financial statements of overseas operations turned from a **loss of HK$212 million** in 2024 to a **gain of HK$281 million** in 2025[6](index=6&type=chunk) [Condensed Consolidated Statement of Financial Position](index=3&type=section&id=1.5%20简明综合财务状况表) As of June 30, 2025, the Group's total assets reached HK$260.684 billion, a 1.7% increase from the end of 2024, with customer deposits maintaining steady growth and shareholders' funds also increasing Key Data from Condensed Consolidated Statement of Financial Position (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | | Total Assets | 260,683,805 | 256,339,081 | | Total Liabilities | 225,543,222 | 222,515,709 | | Customer Deposits | 203,954,890 | 201,568,051 | | Shareholders' Funds | 34,829,167 | 33,511,956 | - Customer deposits increased from **HK$201.568 billion** at the end of 2024 to **HK$203.955 billion** as of June 30, 2025[7](index=7&type=chunk) - Shareholders' funds increased from **HK$33.512 billion** at the end of 2024 to **HK$34.829 billion** as of June 30, 2025[7](index=7&type=chunk) Notes to the Financial Statements [General Information and Accounting Policies](index=4&type=section&id=2.1%20一般资料及会计政策) This section outlines the Group's background, the basis of preparation for interim financial statements, and adopted accounting policies, including the assessment of new and unadopted accounting standard amendments - The accounting policies adopted for the 2025 interim condensed consolidated financial statements are consistent with those in the 2024 audited annual consolidated financial statements, with amendments to HKAS 21 adopted, but no significant impact is expected[11](index=11&type=chunk) - The Group is assessing the specific impact of HKFRS 18 'Presentation and Disclosure in Financial Statements' on the consolidated financial statements, which will be effective for annual periods beginning on or after January 1, 2027[13](index=13&type=chunk)[14](index=14&type=chunk) [Revenue and Expense Analysis](index=6&type=section&id=2.2%20收益与支出分析) This section details the Group's income and expense components, including net interest income, net fee and commission income, net trading income, other operating income, operating expenses, credit impairment losses, share of results of associates, taxation, and earnings per share Net Interest Income Components (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Interest Income | 5,318,854 | 6,205,704 | | Interest Expense | (2,542,396) | (3,667,009) | | Net Interest Income | 2,776,458 | 2,538,695 | Net Fee and Commission Income Components (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Fee and Commission Income | 829,048 | 712,467 | | Retail Investment and Wealth Management Services Income | 124,822 | 66,704 | | Net Fee and Commission Income | 726,763 | 603,386 | Net Trading Income (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Net Gains from Foreign Exchange | 242,992 | 89,746 | | Net Trading Income | 271,533 | 119,447 | Credit Impairment Losses (For the six months ended June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | New provisions (net of reversals) | 779,270 | 582,402 | | Total Credit Impairment Losses | 728,082 | 544,007 | | - Loans and advances to customers | 706,412 | 550,546 | - Share of results of associates (Chongqing Bank) was **HK$443 million**, an increase from **HK$430 million** in the prior period, with no impairment losses on investments in associates for the current period[23](index=23&type=chunk)[24](index=24&type=chunk) Earnings Per Share (For the six months ended June 30) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Basic Earnings Per Share | HK$1.12 | HK$0.99 | | Diluted Earnings Per Share | HK$1.05 | HK$0.93 | [Balance Sheet Items Analysis](index=11&type=section&id=2.3%20资产负债表项目分析) This section provides a detailed analysis of key balance sheet items, including various financial assets, loans and advances, derivative instruments, other liabilities, and the composition and changes in shareholders' funds Securities Held for Trading and Financial Assets at FVTPL (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Securities held for trading | 3,332,932 | 2,006,353 | | Financial assets at fair value through profit or loss | 4,507 | 4,272 | | Total | 3,337,439 | 2,010,625 | Fair Value of Derivative Financial Instruments (As of June 30) | Metric | 2025 Assets (HKD Thousand) | 2025 Liabilities (HKD Thousand) | 2024 Assets (HKD Thousand) | 2024 Liabilities (HKD Thousand) | | :--- | :--- | :--- | :--- | :--- | | Derivatives held for trading | 1,662,107 | (1,819,065) | 1,800,047 | (1,690,736) | | Derivatives held for hedging | 1,564,112 | (152,770) | 2,283,684 | (149,179) | | Total | 3,226,219 | (1,971,835) | 4,083,731 | (1,839,915) | Loans and Other Accounts (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Gross loans and advances to customers | 139,489,360 | 138,374,285 | | Total impairment allowances | (1,917,097) | (1,532,345) | | Net loans and other accounts | 143,600,870 | 143,048,675 | - The percentage of credit-impaired loans and advances to gross loans and advances to customers slightly improved from **3.21%** at the end of 2024 to **3.12%** as of June 30, 2025[33](index=33&type=chunk) Gross Overdue Loans and Advances (As of June 30) | Overdue Period | 2025 Gross Overdue Loans and Advances (HKD Thousand) | 2024 Gross Overdue Loans and Advances (HKD Thousand) | | :--- | :--- | :--- | | Over 3 months to 6 months | 502,932 | 2,104,322 | | Over 6 months to 1 year | 2,317,097 | 778,884 | | Over 1 year | 1,268,501 | 926,024 | | Total | 4,088,530 | 3,809,230 | Composition of Shareholders' Funds (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Share Capital | 6,894,438 | 6,894,438 | | Retained Earnings | 25,889,548 | 24,876,838 | | Total Shareholders' Funds | 34,829,167 | 33,511,956 | [Contingent Liabilities and Commitments](index=20&type=section&id=2.4%20或然负债及承擔) This section discloses the Group's capital commitments, credit commitments, pledged assets, and operating lease commitments, reflecting off-balance sheet potential risks and obligations Capital Commitments (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Contracted but not provided for | 18,394 | 20,821 | Credit Commitments (As of June 30) | Metric | 2025 Contract Amount (HKD Thousand) | 2024 Contract Amount (HKD Thousand) | | :--- | :--- | :--- | | Commitments that can be unconditionally cancelled without prior notice | 57,570,547 | 57,897,554 | | Credit risk-weighted amount | 5,863,292 | 2,155,128 | Pledged Assets (As of June 30) | Metric | 2025 (HKD Thousand) | 2024 (HKD Thousand) | | :--- | :--- | :--- | | Pledged assets held for trading and financial investments as collateral for liabilities | 3,166,990 | 1,143,336 | | Amount of liabilities secured | 3,094,712 | 1,130,231 | [Segmental Reporting](index=22&type=section&id=2.5%20营业分项报告) This section details the Group's business and regional operating performance, segmented by personal banking, corporate banking, treasury and global markets, banking business in Mainland China and Macau, and other segments, in accordance with HKFRS 8 - Personal banking business showed robust performance, with operating income increasing by **13%** year-on-year and operating profit after impairment increasing by **26%** year-on-year, primarily benefiting from strong growth in wealth management and bancassurance income[75](index=75&type=chunk) - Corporate banking business saw a decline in operating income and a **55%** year-on-year decrease in operating profit after impairment, mainly due to weak customer loan demand and increased credit impairment losses[75](index=75&type=chunk) - Operating profit after impairment for Treasury and Global Markets business increased by **66%**, driven by improved investment sentiment, increased customer demand from market volatility, and higher positive fair value changes in trading securities and derivatives[76](index=76&type=chunk) Regional Segment Operating Income and Profit Before Tax (For the six months ended June 30) | Region | 2025 Operating Income (HKD Thousand) | 2025 Profit Before Tax (HKD Thousand) | 2024 Operating Income (HKD Thousand) | 2024 Profit Before Tax (HKD Thousand) | | :--- | :--- | :--- | :--- | :--- | | Hong Kong and Others | 3,616,656 | 1,845,870 | 3,099,933 | 1,536,940 | | Macau | 180,141 | (26,812) | 188,040 | 42,981 | | Total | 3,795,596 | 1,819,057 | 3,286,757 | 1,579,921 | [Additional Analysis of Claims and Balances](index=26&type=section&id=2.6%20债权及余额之额外分析) This section provides detailed analysis of customer loans and advances by industry, balances with Mainland China businesses, customer loans and advances by region, and international claims, revealing the Group's credit portfolio structure and risk distribution Gross Loans and Advances to Customers by Industry (As of June 30) | Industry | 2025 Outstanding Balance (HKD Thousand) | 2025 Percentage Secured by Collateral (%) | 2024 Outstanding Balance (HKD Thousand) | 2024 Percentage Secured by Collateral (%) | | :--- | :--- | :--- | :--- | :--- | | Commercial and Industrial Total | 48,514,203 | 69.0 | 50,433,142 | 72.5 | | Individuals Total | 52,877,784 | 80.8 | 51,619,242 | 80.2 | | Loans for use in Hong Kong Total | 101,391,987 | 75.1 | 102,052,384 | 76.4 | | Loans for use outside Hong Kong | 33,501,148 | 57.1 | 31,419,446 | 58.5 | | Total | 139,489,360 | 70.5 | 138,374,285 | 72.0 | Balances with Mainland China Businesses (As of June 30) | Counterparty Category | 2025 On-Balance Sheet Balance (HKD Thousand) | 2025 Total Balance (HKD Thousand) | 2024 On-Balance Sheet Balance (HKD Thousand) | 2024 Total Balance (HKD Thousand) | | :--- | :--- | :--- | :--- | :--- | | Central government and related entities | 5,124,421 | 5,206,020 | 5,198,753 | 5,198,753 | | Local governments and related entities | 992,575 | 1,019,305 | 1,170,713 | 1,537,928 | | Nationals or entities residing in Mainland China | 8,417,138 | 9,394,042 | 7,657,826 | 8,217,137 | | Total Balance | 28,161,158 | 30,230,617 | 28,214,392 | 29,635,526 | | On-balance sheet balance as a percentage of total assets | 11.52% | - | 11.81% | - | Customer Loans and Advances by Geographical Area (As of June 30) | Region | 2025 Gross Customer Loans and Advances (HKD Thousand) | 2025 Impaired Customer Loans and Advances (Stage 3) (HKD Thousand) | 2024 Gross Customer Loans and Advances (HKD Thousand) | 2024 Impaired Customer Loans and Advances (Stage 3) (HKD Thousand) | | :--- | :--- | :--- | :--- | :--- | | Hong Kong | 107,664,128 | 3,949,982 | 108,718,160 | 4,018,261 | | Mainland China | 15,654,204 | 184,684 | 13,729,341 | 221,449 | | Macau | 13,251,567 | 215,338 | 13,527,103 | 197,973 | | Total | 139,489,360 | 4,350,004 | 138,374,285 | 4,437,683 | [Foreign Exchange Risk](index=32&type=section&id=2.7%20外汇风险) This section discloses the Group's net foreign exchange positions in major currencies such as USD, JPY, EUR, and RMB, reflecting its foreign exchange risk exposure - As of June 30, 2025, the Group had no structural foreign currency net positions[65](index=65&type=chunk) Net Foreign Exchange Positions by Major Currency (As of June 30) | Currency | 2025 Long/(Short) Net Position (HKD Million) | 2024 Long/(Short) Net Position (HKD Million) | | :--- | :--- | :--- | | USD | 1,605 | 2,238 | | RMB | (143) | (203) | | MOP | (898) | (631) | | Total Foreign Currencies | 187 | 1,456 | [Capital Adequacy Ratios](index=33&type=section&id=2.8%20资本充足比率) This section discloses the Group's capital adequacy ratios, indicating its robust capital position in compliance with Basel III and relevant regulatory requirements Capital Adequacy Ratios (As of June 30) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Common Equity Tier 1 | 18.2% | 16.9% | | Tier 1 | 18.9% | 17.6% | | Total | 22.5% | 21.0% | - The calculation of capital adequacy ratios has considered market risk and operational risk, complying with banking regulatory requirements in Hong Kong, Macau, and Mainland China[67](index=67&type=chunk) [Liquidity Maintenance Ratio](index=33&type=section&id=2.9%20流动性维持比率) This section discloses the Group's liquidity maintenance ratio, demonstrating its consistently sound liquidity position in compliance with minimum regulatory requirements Liquidity Maintenance Ratio (For the six months ended June 30) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Liquidity Maintenance Ratio | 60.7% | 64.7% | - The liquidity maintenance ratio is calculated in accordance with the Banking (Liquidity) Rules and complies with banking regulatory requirements in Hong Kong, Macau, and Mainland China[68](index=68&type=chunk) Financial Ratios and Dividends [Financial Ratios](index=34&type=section&id=3.1%20财务比率) This section presents the Group's key financial ratios for the six months ended June 30, 2025, including net interest income to operating income, cost-to-income ratio, return on average total assets, return on average shareholders' funds, net interest margin, and loan-to-deposit ratio Key Financial Ratios (For the six months ended June 30) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Net Interest Income / Operating Income | 73.1% | 77.2% | | Cost-to-Income Ratio | 45.0% | 48.5% | | Return on Average Total Assets (Annualized) | 1.2% | 1.1% | | Return on Average Shareholders' Funds (Annualized) | 9.2% | 8.5% | | Net Interest Margin | 2.32% | 2.09% | | Loan-to-Deposit Ratio (As of June 30) | 67.8% | 67.2% | - The cost-to-income ratio improved to **45.0%**, indicating progress in the Group's cost control efforts[69](index=69&type=chunk) - Net interest margin expanded by **23 basis points** to **2.32%**, reflecting prudent funding cost management[74](index=74&type=chunk) [Interim Dividend](index=34&type=section&id=3.2%20中期股息) The Board of Directors announced an interim dividend of HK$0.31 per share for 2025 and provided relevant dividend payment dates - The Board of Directors announced an interim dividend of **HK$0.31 per share** for 2025[70](index=70&type=chunk) - The interim dividend will be paid on September 18, 2025, to shareholders whose names appear on the register of members on September 10, 2025[70](index=70&type=chunk) Group and Business Overview [Summary](index=35&type=section&id=4.1%20概要) Despite external challenges like interest rate uncertainty, a weak property market, and geopolitical tensions, the Hong Kong economy showed resilience in H1 2025, enabling the Group to achieve solid performance through prudent credit risk management, higher net interest margin, and strong fee and trading income - Hong Kong's economy showed resilience in the first half of 2025, with real GDP growing by **3.1%** year-on-year in the second quarter[72](index=72&type=chunk) - The Group prudently managed credit risk, with the impaired loan ratio slightly improving to **3.12%** (3.21% at end-2024)[73](index=73&type=chunk) - The Group's profit attributable to shareholders increased by **13%** to approximately **HK$1.6 billion**, with **HK$443 million** contributed by Chongqing Bank[73](index=73&type=chunk) [Business and Financial Review](index=35&type=section&id=4.2%20业务及财务回顾) The Group's 2025 interim performance was robust, with growth in both net interest and non-interest income, and an improved cost-to-income ratio; however, credit impairment losses increased, mainly for Hong Kong commercial real estate exposure, with personal banking performing strongly while corporate banking faced challenges - Net interest income increased by **9%** year-on-year, primarily due to funding costs decreasing faster than asset yields[74](index=74&type=chunk) - Non-interest income grew strongly by **36%**, with net fee and commission income increasing by **20%**, and net trading income and other operating income collectively increasing by **102%**[74](index=74&type=chunk) - Operating expenses increased by **7%**, mainly due to higher IT expenditure and staff costs, but the cost-to-income ratio improved to **45.0%**[75](index=75&type=chunk) - Credit impairment losses increased by **34%** year-on-year, primarily due to prudent provisions for Hong Kong commercial real estate exposure and other corporate loans[75](index=75&type=chunk) - Annualized return on average total assets was **1.2%**, and annualized return on average shareholders' funds was **9.2%**, both higher than the prior period[76](index=76&type=chunk) [Outlook](index=36&type=section&id=4.3%20前瞻) The Group anticipates continued global market uncertainties and US interest rate policy challenges, with credit costs likely remaining high; despite Hong Kong's economic resilience, the business outlook is not expected to change significantly for the remainder of the year, as the Group remains focused on customers, risk management, and business objectives - Recent US tariffs on multiple countries and interest rate policy uncertainties exacerbate global market ambiguity[77](index=77&type=chunk) - The Hong Kong government's enhanced New Capital Investor Entry Scheme is expected to boost private banking and wealth management business development[77](index=77&type=chunk) - Credit costs are expected to remain high in 2025, and the business outlook is not anticipated to change significantly for the remainder of the year[78](index=78&type=chunk) Other Information [Compliance with Corporate Governance Code](index=37&type=section&id=5.1%20遵守企业管治守则) The Company has applied and complied with the code principles and provisions of the Corporate Governance Code, Part 2 of Appendix C1 to the Listing Rules, during the reporting period - The Company has applied and complied with the code principles and provisions of the Corporate Governance Code, Part 2 of Appendix C1 to the Listing Rules[79](index=79&type=chunk) [Directors' Securities Transactions Code](index=37&type=section&id=5.2%20董事之证券交易守则) The Company has adopted a code for directors' securities transactions no less exacting than the Model Code in Appendix C3 of the Listing Rules, and directors have confirmed compliance during the reporting period - The Company has adopted a code for directors' securities transactions no less exacting than the Model Code for Securities Transactions by Directors of Listed Issuers as set out in Appendix C3 of the Listing Rules[80](index=80&type=chunk) - Following enquiry, the directors have confirmed compliance with the Model Code and the Company's code for directors' dealings in securities for the six months ended June 30, 2025[80](index=80&type=chunk) [Unaudited Financial Statements](index=37&type=section&id=5.3%20未经审核之财务报表) The financial information in this interim results announcement is unaudited and does not constitute statutory financial statements - The financial information in this interim results announcement is unaudited and does not constitute statutory financial statements[81](index=81&type=chunk) [Review of Financial Statements](index=37&type=section&id=5.4%20审阅财务报表) The Audit Committee and management have reviewed the Group's accounting policies, practices, internal controls, and financial reporting matters, including these interim financial statements - The Audit Committee and management have reviewed the Group's accounting policies and practices, and discussed internal controls and financial reporting matters[82](index=82&type=chunk) [Purchase, Sale or Redemption of Securities](index=37&type=section&id=5.5%20购买、出售或赎回证券) Neither the Company nor any of its subsidiaries purchased, sold, or redeemed any of the Company's listed securities during the six months ended June 30, 2025 - Neither the Company nor any of its subsidiaries purchased, sold, or redeemed any of the Company's listed securities during the six months ended June 30, 2025[83](index=83&type=chunk) [Remuneration and Staff Development](index=37&type=section&id=5.6%20薪酬及员工发展) The Company's staff remuneration, remuneration policies, and training programs remained substantially unchanged from those disclosed in the 2024 Annual Report - The Company's staff remuneration, remuneration policies, and training programs remained substantially unchanged from those disclosed in the 2024 Annual Report[84](index=84&type=chunk) [Interim Results Announcement and Interim Report](index=37&type=section&id=5.7%20中期业绩通告及中期业绩报告) This announcement has been published on the HKEX and Dah Sing Bank websites, and the 2025 interim report containing information specified by the Listing Rules will be released in due course - This announcement has been published on the websites of Hong Kong Exchanges and Clearing Limited (www.hkexnews.hk) and Dah Sing Bank (www.dahsing.com)[85](index=85&type=chunk) - The Group's 2025 interim report, containing information specified by the Listing Rules, will be published on the HKEX and Dah Sing Bank websites in due course[85](index=85&type=chunk) [Board of Directors](index=37&type=section&id=5.8%20董事会) This section lists the members of the Company's Board of Directors as of the announcement date - The Board of Directors includes Executive Directors Mr. Wong Shou-yeh (Chairman), Mr. Harold Wong (Deputy Chairman, Managing Director and Chief Executive), Mr. Wang Bo-ling, and Mr. Derek Ma (Deputy Chief Executive); Independent Non-executive Directors Mr. So Chak-kwong, Mr. Stephen Tan, Mr. Peter Breese, Mr. David Wai, Ms. Chan Ha-fong, and Mr. Cheung Kin-sang[86](index=86&type=chunk)

大新銀行集團有限公司 審核委員會章程 (頁1/4) 組織 1. 董事會於二零零四年六月十一日議決成立名為審核委員會（「委員會」）之董事會委員會。 宗旨及角色 2. 委員會負責檢閱內部監控制度及內部與外聘核數師之工作、確保財務報告之客觀性及可信 性，並確保各董事向股東呈報業績時，已按法例規定履行其審慎關注及克盡所能之責任。 委員會之目標及角色範圍涵蓋本公司及其所有附屬公司，包括其銀行業務的附屬公司，如大 新銀行有限公司、大新銀行（中國）有限公司，以及澳門商業銀行股份有限公司。 成員 出席會議 會議次數 8. 每年最少舉行三次會議。倘認為需要，外聘核數師或審核委員會之任何成員可要求召開會 議，不論董事會之執行成員要否出席。 權限 - 1 - 3. 委員會應由董事會委任本公司之非執行董事出任，並應由不少於三名成員組成，其中大部分 成員應為獨立非執行董事。法定人數為兩名成員。 4. 本公司現有外聘核數師之前合夥人於下列事宜終止日期起計兩年內禁止出任委員會成員︰ (a) 作為該核數師事務所之合夥人；或(b) 於該核數師事務所擁有任何財務權益。 5. 委員會主席由董事會委任，並應為獨立非執行董事。 6. 本公司之執行董事 ...

格隆汇8月6日丨大新银行集团(02356.HK)宣布，公司将于2025年8月20日（星期三）举行董事委员会会 议，处理（其中包括）批准刊发公司截至2025年6月30日止6个月的综合业绩公告，以及审议派发中期股 息。 ...

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。 香港，2025 年 8 月 6 日 於本公告日期，本公司董事會成員包括執行董事王守業先生（主席）、黃漢興先生（副主席、董事 總經理兼行政總裁）、王伯凌先生及麥曉德先生（副行政總裁)；獨立非執行董事蘇澤光先生、史 習陶先生、裴布雷先生、衛皓民先生、陳霞芳女士及張建生先生。 董事委員會會議日期 大新銀行集團有限公司（「本公司」）宣布，本公司將於 2025 年 8 月 20 日（星期三）舉 行董事委員會會議，處理（其中包括）批准刊發本公司截至 2025 年 6 月 30 日止 6 個月 之綜合業績公告，以及審議派發中期股息。 承董事會命 大新銀行集團有限公司 李宗榮 公司秘書 （根據公司條例於香港註冊成立之有限公司） 大新銀行有限公司之控股公司 （股份代號：2356） ...