大新金融(00440) - 2022 - 年度业绩

Financial Performance - Total interest income for the year ended December 31, 2022, was HK$7,007,942 thousand, an increase of 35.3$5,176,672 thousand in 2021[3] - Net interest income after interest expenses was HK$4,431,408 thousand, up from HK$3,954,225 thousand, reflecting a growth of 12.0%[3] - Service fee and commission income rose to HK$2,431,505 thousand, a significant increase of 72.5$1,407,589 thousand in the previous year[3] - Operating income for the year was HK$7,314,737 thousand, compared to HK$6,014,079 thousand in 2021, marking an increase of 21.6%[3] - The company reported a net profit of HK$1,583,705 thousand for 2022, down 8.7$1,734,752 thousand in 2021[4] - Basic earnings per share decreased to HK$3.67 from HK$4.09, reflecting a decline of 10.5%[3] - The proposed final dividend for the year is HK$258,856 thousand, compared to HK$233,290 thousand in the previous year, representing an increase of 11.0%[3] Credit and Impairment - Credit impairment losses increased significantly by 116.0% to HK$804,112 thousand from HK$372,305 thousand in 2021[3] - The company reported credit impairment losses of HK$372,305 for the year, reflecting a cautious approach to credit risk management[11] - Credit impairment losses surged by 116$3,166,266 thousand, slightly reduced from HK$3,205,522 thousand in 2021, showing a decrease of 1.2%[3] - The total operating income after deducting insurance claims was HKD 6,995,788, reflecting a robust performance across various business segments[10] - The insurance business segment reported an operating income of HKD 152,532, with a net loss from investment properties and other fixed assets adjustments of HKD 64,543[10] - The company plans to enhance its market presence through strategic investments and product offerings in personal and corporate banking sectors[9] Market and Strategic Outlook - Future outlook includes continued focus on expanding overseas banking operations, particularly in Macau and China, to capture growth opportunities[9] - The company anticipates a gradual improvement in economic conditions in its core markets, although customer sentiment remains cautious[40] - The Shenzhen branch is expected to commence full operations within the year, positioning the company as the first non-mainland bank group to operate a branch and subsidiary bank in mainland China[40] - New partnerships and technology initiatives are being implemented to enhance service quality and attract new clients in the general insurance sector[40] Governance and Compliance - The company has adhered to the Corporate Governance Code, except for the provision F.2.2 regarding the attendance of the chairman at the annual general meeting due to COVID-19 restrictions[41] - The company has established a Securities Trading Code for directors, confirming compliance with the Standard Code throughout the year ending December 31, 2022[42] - The Audit Committee has reviewed the accounting standards and practices, including the consolidated financial statements for the year ending December 31, 2022[43] - There were no purchases, sales, or redemptions of the company's listed securities by the company or its subsidiaries during the year ending December 31, 2022[44] Dividend and Shareholder Information - The proposed final dividend for the year 2022 is HKD 0.81 per share, subject to approval at the annual general meeting[35] - Shareholders' profit attributable to the group decreased by 10% to HKD 1.171 billion for the year ended December 31, 2022, primarily due to the termination of the previous insurance distribution agreement and higher impairment provisions related to Chongqing Bank investments[37]