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通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。 （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） 2022 年年度業績通告 大新銀行集團有限公司 (「大新銀行集團」或「本公司」) 董事會欣然宣佈本公司及其附屬公司 (統稱「本集團」) 截至 2022 年 12 月 31 日止年度之經審核綜合業績報告。 | --- | --- | --- | --- | --- | |-----------------------------------------------------|-------|-------------------|-----------------|-------------| | | | | | | | 綜合收益賬 | | | | | | 截至 12 月 31 日止年度 | | | | | | 千港元 | 附註 | 2022 年 | 2021 年 | 變動 百分比 | | 利息收入 | 4 | 6 ...

DSBG 2022Interim Report 中期業績報告 二零二二年中期業績報告 Interim Report 2022 Dah Sing Banking Group Limited 大新銀行集團有限公司 有關大新銀行： 大新銀行有限公司為大新銀行集團有限公司之全資附 屬公司。大新銀行植根香港 75 年，一直憑著「以人 為本」的精神為客戶提供優質銀行產品及服務，並不 斷推動「同步 更進步」的品牌理念，與香港、大灣區 至更廣泛地區的客戶共同成長。 About Dah Sing Bank: Dah Sing Bank, Limited is a wholly-owned subsidiary of Dah Sing Banking Group Limited. Founded in Hong Kong 75 years ago, Dah Sing Bank has been providing quality banking products and services to its customers with a vision to be "The Local Bank with a Personal To ...

The Legacy Begins 1981 1947 Established Dah Sing Bank which grew steadily in the 1960s and 1970s alongside the rapid growth of Hong Kong's economy. 大新銀行成立，業務在六、 七十年代長足發展，見證 了當時香港的經濟起飛。 House to serve as flagship branch. 購入中環地標環球大廈的地舖 後開設了銀行的旗艦分行。 1990 Gained licence and authorisation for Dah Sing Life Assurance Co. Ltd. to conduct long-term insurance business in Hong Kong. 照投入保險業務。 大新人壽保險有限公司獲取牌 1992 Expanded branch network and customer base with acquisition of Wing On Bank. 收購永安銀行，壯大分行網絡 及客戶群。 Acquired Ban ...

Interim Report 2021 中期業績報告 DSBG and Prosper Together We Progress 同步 更進步 二零二一年中期業績報告 Interim Report 2021 Dah Sing Banking Group Limited 大新銀行集團有限公司 目錄 CONTENTS | 未經審核之簡明綜合收益賬 | Unaudited Condensed Consolidated Income Statement | 2 | | --- | --- | --- | | 未經審核之簡明綜合全面收益表 | Unaudited Condensed Consolidated Statement of | 3 | | | Comprehensive Income | | | 未經審核之簡明綜合財務狀況表 | Unaudited Condensed Consolidated Statement of | 4 | | | Financial Position | | | 未經審核之簡明綜合權益變動表 | Unaudited Condensed Consolidated Statement o ...

Financial Strength and Risk Management Customer Commitment Maintaining thorough focus on and commitment to all our customers; genuinely understanding our customers, their needs and opportunities Building and maintaining nancial strength through focus on cost control, prot margins, liquidity, capital, leverage and avoidance of unquantiable future risks Operational Excellence Maintaining attention to detail and attaining excellence in every aspect of our operations Employer and Employee Commitment Compliance ...

Financial Performance - Net interest income decreased by 9.0% to HK$1,856,596, down from HK$2,040,666 in the previous year[6] - Operating income fell by 1.6% to HK$2,618,124 compared to HK$2,660,877 in 2019[6] - Profit for the period decreased by 30.2% to HK$945,953, down from HK$1,354,559 in the prior year[9] - Earnings per share decreased to HK$0.67 from HK$0.96, reflecting a decline of 30.2%[6] - Total comprehensive income for the period, net of tax, was HK$364,064, a decrease from HK$1,642,392 in 2019[9] - Operating profit before impairment losses decreased by 4.9% to HK$1,226,167 from HK$1,289,364[6] - The company reported a profit of HKD 945,990 for the six months ended June 30, 2020, compared to a loss in the previous period, indicating a significant turnaround[12] Income and Expenses - Net fee and commission income remained stable, increasing slightly by 0.3% to HK$578,214 from HK$576,643[6] - The company reported a net trading income of HK$147,419, a significant increase from HK$8,463 in the previous year[6] - Interest income for the six months ended June 30, 2020, was HK$3,432,752, a decrease from HK$3,691,459 in 2019, representing a decline of approximately 7%[22] - Fee and commission income decreased to HK$677,348 in 2020 from HK$726,492 in 2019, reflecting a decline of approximately 6.7%[25] - Total operating expenses for the first half of 2020 amounted to HK$1,391,957,000, slightly up from HK$1,371,513,000 in 2019, reflecting an increase of approximately 1.5%[33] - Employee compensation and benefit expenses increased to HK$990,482,000 for the six months ended June 30, 2020, compared to HK$944,342,000 in 2019, reflecting a growth of approximately 4.8%[33] Credit and Impairment - Credit impairment losses increased significantly by 299.7% to HK$365,193, compared to HK$91,360 in the previous year[6] - New allowances for credit impairment losses rose significantly to HK$407,954,000 in 2020 from HK$123,206,000 in 2019, indicating a substantial increase of about 231%[35] - Total impairment allowances rose to HKD 1,172,256 as of June 30, 2020, from HKD 1,008,586 as of December 31, 2019, indicating an increase of 16.25%[60] - Credit-impaired loans and advances accounted for 1.02% of total loans and advances to customers as of June 30, 2020, up from 0.77% as of December 31, 2019[60] - The gross amount of overdue loans reached HKD 914,323 as of June 30, 2020, representing 0.66% of total advances, compared to HKD 749,681 and 0.54% as of December 31, 2019[62] Assets and Liabilities - Total assets increased to HKD 253,002,600 as of June 30, 2020, up from HKD 243,406,487 at the end of 2019, representing a growth of 3.3%[10] - Total liabilities increased to HKD 224,965,991, up from HKD 215,221,674, marking a rise of 4.1%[10] - Customer deposits rose to HKD 187,715,921, an increase of 2.4% from HKD 182,628,806 in December 2019[10] - The total equity decreased to HKD 28,036,609 from HKD 28,184,813, a decline of 0.5%[10] - The company’s cash and balances with banks increased to HKD 17,800,395, up from HKD 17,642,248, a growth of 0.9%[10] Cash Flow - Net cash from operating activities increased significantly to HKD 3,819,789 thousand in 2020, up from HKD 1,691,549 thousand in 2019, representing a growth of approximately 126.5%[16] - The net increase in cash and cash equivalents for the period was HKD 1,276,227 thousand, compared to HKD 882,600 thousand in the previous year, marking a growth of approximately 44.7%[16] - Cash and cash equivalents at the end of the period reached HKD 25,555,744 thousand, up from HKD 16,292,530 thousand in 2019, representing an increase of about 57.5%[16] Investments and Securities - The total amount of debt securities held is HK$44,007,839,000 as of June 30, 2020, compared to HK$42,050,293,000 as of December 31, 2019[80] - The total recognised derivative financial assets amounted to HKD 602,904 as of June 30, 2020, while the liabilities were HKD 2,940,347, reflecting a net liability position[49] - The total amount of trade bills decreased to HKD 3,115,022 as of June 30, 2020, from HKD 3,393,863 as of December 31, 2019, a decline of 8.21%[60] Risk Management - The Group focuses on managing various risks including credit risk, market risk, interest rate risk, liquidity risk, operational risk, reputation risk, and strategic risk[192] - The independent Group Risk function is responsible for establishing policies and mandates for the Group, monitoring risk positions, and ensuring financial risks are considered in product planning and pricing[195] - The Board of Directors has overall responsibility for risk management, including approving strategies and policies to manage credit and other risks[195] - The Group continues to enhance its risk management capabilities, focusing on risk and reward and returns on capital[197] Regulatory and Compliance - The Group maintained compliance with the annual caps applicable to connected transactions, ensuring adherence to regulatory requirements[189] - The Group's credit risk measurement, underwriting, approval, and monitoring requirements are detailed in its credit policies[200]