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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Hang Seng Bank
Hang Seng Bank (11) investor relations material
Hang Seng Bank has been delisted
Hang Seng Bank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary11 Mar, 2026
Executive summary
Profit before tax fell 15% year-over-year to HK$17,908m, mainly due to lower net interest income and higher credit impairment charges.
Net operating income before credit losses rose slightly to HK$42,254m, supported by strong fee and trading income.
Operating expenses increased 3% to HK$15,586m, reflecting continued investment in people and technology.
The cost efficiency ratio edged up to 36.9%.
Profit attributable to shareholders was HK$15,762m, with EPS at HK$7.94.
Financial highlights
Net interest income declined 6% to HK$28,844m due to lower market rates and margin compression.
Net fee income rose 19% to HK$6,331m, driven by securities broking and retail investment funds.
Net income from financial instruments at fair value surged 169% to HK$20,698m, mainly from insurance business gains.
Insurance service results increased 24% to HK$2,806m.
Credit impairment charges rose 69% to HK$8,049m, mainly from Hong Kong commercial real estate.
Gross loans and advances to customers fell 3% to HK$807bn; customer deposits rose 1% to HK$1,283bn.
Advances-to-deposits ratio improved to 61.4%.
Total shareholders’ equity increased 2% to HK$173bn.
Outlook and guidance
Management expects gradual improvement in Hong Kong and mainland China economic conditions, with continued pressure in commercial real estate.
Interest rate cuts and positive wealth effects are expected to support recovery, but liquidity and valuation pressures may persist.
The Group will continue to invest in technology, risk management, and sustainable finance.
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Frequently asked questions
Hang Seng Bank Limited is a financial services provider offering a wide range of banking and financial products, primarily in Hong Kong and mainland China. The bank’s services include retail banking, wealth management, commercial banking, and investment services, catering to both individual and corporate clients. Known for its digital banking initiatives, Hang Seng Bank provides convenient solutions for deposits, loans, insurance, and investment products. It also supports clients with specialized financial advisory services and corporate finance solutions. The bank operates a strong local branch network along with digital platforms to enhance customer access and service. The company is headquartered in Hong Kong, and its shares are listed on the HKEX.