大新银行集团(02356) - 2022 - 年度财报

Anniversary and Community Engagement - Dah Sing Bank celebrated its 75th anniversary in 2022, launching a series of customer appreciation activities, including a grand lucky draw with 750 prizes[3] - Over 30,000 people participated in a free ferry ride event sponsored by the bank, symbolizing Hong Kong's resilience as the economy recovers from the COVID-19 pandemic[4] - The "Dah Sing Bank 75th Anniversary Charity Challenge" saw teams quickly reach their goal of 750,000 accumulated steps, resulting in a total donation of HKD750,000 to designated charities[6] - The bank's activities during its anniversary included a public art exhibition showcasing local values and traditions, reinforcing its community engagement[4] Sustainability and ESG Initiatives - The bank supported SMEs in transitioning to sustainable practices through the "SME ESG Best Practices Recognition Programme," which included educational forums targeting specific industries[5] - The bank's commitment to ESG initiatives is reflected in its sponsorship of the "Green WALK Hong Kong 2022" campaign, promoting green lifestyles[7] - The bank's "Green WALK Carbon Emissions Reduction Online Challenge" recorded over 364 million steps, contributing to a reduction of over 60 tonnes of carbon emissions in Hong Kong[7] - The bank's efforts in supporting sustainable development align with its long-term vision for a better future for Hong Kong[5] Financial Performance - Profit attributable to shareholders was HK$1,609 million in 2022, a decrease from HK$1,658 million in 2021[10] - Basic earnings per share for 2022 was HK$1.14, down from HK$1.18 in 2021[10] - Total dividend distribution for 2022 was HK$548 million, compared to HK$478 million in 2021[10] - Total assets increased to HK$252,086 million in 2022, up from HK$248,979 million in 2021[10] - Total deposits reached HK$204,021 million in 2022, a growth from HK$202,725 million in 2021[10] - Shareholders' funds increased to HK$29,914 million in 2022, up from HK$29,913 million in 2021[10] Loan and Deposit Trends - Loan to deposit ratio was 66.9% in 2022, reflecting a stable lending environment[10] - Advances to customers (excluding trade bills) were HK$136,530 million in 2022, down from HK$144,313 million in 2021[10] - Certificates of deposit issued decreased to HK$4,229 million in 2022, down from HK$6,590 million in 2021[10] - Overall loan balances contracted by 5%, with corporate banking loan balances contracting by 9%[34] - Retail banking loan balances remained stable, achieving a 4% growth in average loan volume in 2022 compared to 2021[34] Governance and Leadership - The board of directors includes experienced members with over 40 years in the banking and finance industry, ensuring strong governance[17] - The company has established a new committee focused on sustainability initiatives to align with global standards[19] - The independent non-executive directors bring diverse expertise, enhancing the company's strategic decision-making process[18] - The Company has complied with all code provisions of the Corporate Governance Code, except for code provision F.2.2, demonstrating adherence to high governance standards[118] Risk Management and Internal Controls - The Group has established a robust risk management and internal control framework, confirmed effective through ongoing reviews and assessments by management and internal audit[187] - The Group's internal audit function provides independent assurance on the effectiveness of risk management and governance processes[189] - The Group maintains effective risk management through specialized management committees overseeing major risk areas[184] - The Group has established procedures to safeguard assets against unauthorized use and ensure the reliability of financial information[183] Shareholder Communication and Engagement - The Company emphasizes effective communication with shareholders, with the Chairman and all Directors making efforts to attend the Annual General Meeting[194] - Shareholders holding not less than 5% of total voting rights can requisition an Extraordinary General Meeting[195] - The Company's dividend policy aims to pay sustainable dividends over time, considering factors such as general business conditions, financial results, and business growth prospects[197] - The Shareholders Communication Policy is reviewed annually to ensure its effectiveness, with the last review conducted in 2022[197]