Dah Sing Financial Holdings (440) investor relations material

Executive summary

• Profit attributable to shareholders rose 3.7% year-over-year to HK$1,457.6 million for the six months ended 30 June 2026.

• Total comprehensive income increased to HK$2,953.6 million, up from HK$2,495.5 million in the prior year.

• Interim dividend declared at HK$1.20 per share, payable on 24 September 2026.

Financial highlights

• Net interest income grew 6.5% year-over-year to HK$2,997.6 million, driven by a higher net interest margin of 2.44%.

• Non-interest income increased 2%, with net fee and commission income up 29.3% to HK$931.8 million.

• Operating profit before impairment rose 7.8% to HK$2,512.8 million.

• Credit impairment losses decreased 0.7% to HK$724.1 million.

• Cost-to-income ratio improved to 41.8% from 43.3% year-over-year.

• Earnings per share: Basic HK$4.57, Diluted HK$4.31.

Outlook and guidance

• Management expects Hong Kong's economic outlook to remain supportive, with opportunities from AI-driven development and cross-border investments.

• The Group will maintain prudent risk management and is well-positioned to capitalize on business opportunities and withstand market challenges.