陈立珊表示，星展香港对香港商业房地产(CRE)贷款多年维持约27%，当中包括具实力的蓝筹企业、有 投资级别的公司等，该行对这类贷款十分审慎，并已作充足准备，兼会继续物色优质的客户。 庞华毅料，美联储今年分别在6月及9月各减息25点子，全年合共减50点子，故预料该行今年净息差 (NIM)或有机会减少10-12个点子。星展香港去年净息差由前年的1.8%，增至1.82%。 星展香港董事总经理兼财务总监陈立珊于记者会表示，去年NPL ratio上升主要来自一间房内民企，该行 现时对内地贷款比例已降至7%，当中5%为国企，民企只占少于10亿港元。 智通财经APP获悉，星展香港去年贷款按年增长1%至3780亿港元，而存款增长10%至5220亿港元，不良 贷款比率(NPL ratio)由前年的1.57%，增至去年的2.16%。星展北亚区主管及星展香港行政总裁庞华毅预 期，该行今年NPL ratio会呈下降趋势，但未有作出具体预测；同时，他估计，该行今年贷款会有单位数 的升幅。 对于香港中小企，庞华毅表示，星展香港一如以往支持香港中小企发展，但预期中小企今年的经营情况 如去年一样面对压力，主要因为港人北上消费、内地旅客来港消 ...

Core Viewpoint - The company reported significant growth in revenue and net profit for the first half of 2025, indicating a strong performance despite ongoing economic challenges [1] Financial Performance - Total revenue reached RMB 2.5 billion, representing a year-on-year increase of 43.8% [1] - Net profit was RMB 216 million, showing a year-on-year growth of 79.5% [1] - Earnings per share stood at RMB 0.44, with an interim dividend of 5 Hong Kong cents [1] Operational Strategy - The company achieved a loan volume of RMB 38 billion in mainland China during the first half of 2025 [1] - In response to the economic situation, the company enhanced risk management and adjusted operational strategies to mitigate credit risks and reduce asset impairment [1] - A systematic upgrade of the risk control framework was implemented, focusing on optimizing the customer portfolio towards higher-quality borrowers [1] Strategic Initiatives - The company launched several strategic measures to enhance business resilience, including deepening partnerships with leading platforms to target quality borrowers [1] - New data sources were piloted for high-quality borrowers, strategically increasing their approval rates to build a robust sample library of quality borrowers [1] - Significant resources were allocated to reduce customer complaint rates to a historical low, laying a solid foundation for sustainable operations [1] Future Outlook - Although early risk indicators have shown a mild increase due to strategic investments, the company's ability to identify and operate with quality customers is expected to improve over time [1] - This positions the company for continued optimization of asset quality and establishes a solid long-term foundation for growth [1]