)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Dah Sing Banking Group (2356) investor relations material
Dah Sing Banking Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary20 Aug, 2025
Executive summary
Profit attributable to shareholders rose 13% year-over-year to HK$1.58 billion for the six months ended 30 June 2025, driven by higher net interest margin, strong fee and trading income, and a positive contribution from an associate bank.
Net interest income increased 9.4% year-over-year, supported by a 23 bps expansion in net interest margin to 2.32%.
Non-interest income surged 36%, driven by 20% growth in net fee and commission income and a 102% rise in trading and other operating income.
Operating expenses rose 7% due to higher IT and staff costs, but cost-to-income ratio improved to 45.0%.
Credit impairment charges increased 34% year-over-year, mainly for Hong Kong commercial real estate and corporate loans.
Financial highlights
Net interest income: HK$2,776.5 million, up 9.4% year-over-year.
Net fee and commission income: HK$726.8 million, up 20.4% year-over-year.
Net trading income: HK$271.5 million, up 127% year-over-year.
Operating profit before impairment: HK$2,089 million, up 23.4% year-over-year.
Profit attributable to shareholders: HK$1,579 million, up 13.1% year-over-year.
Basic EPS: HK$1.12 (2024: HK$0.99).
Cost-to-income ratio: 45.0% (2024: 48.5%).
Net interest margin: 2.32% (2024: 2.09%).
Loan-to-deposit ratio: 67.8% (2024: 67.2%).
Outlook and guidance
Credit costs are expected to remain elevated for the rest of 2025 due to external challenges and economic uncertainties.
Business outlook is not expected to change materially in the second half of the year; focus remains on customer centricity, risk management, and disciplined cost control.
Hong Kong's banking sector remains profitable and well-capitalised, with the economy showing resilience amid global challenges.
Impact of HKFRS 18 on financial statements?
How did commercial property risks evolve?
What drove Treasury & Global Markets profit?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Dah Sing Banking Group earnings date
H2 202530 Mar, 2026
Next Dah Sing Banking Group earnings date
H2 202530 Mar, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Dah Sing Banking Group Limited is a Hong Kong-based financial services company that provides a range of banking and insurance services. Through its network of subsidiaries, the company offers retail banking, commercial banking, and treasury services, including deposit accounts, loans, mortgages, credit cards, and investment products. Dah Sing Banking Group also provides insurance solutions through its general insurance and life assurance businesses, serving individual and corporate clients. Dah Sing Banking Group Limited is headquartered in Hong Kong, and its shares are listed on the HKEX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage