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Hang Seng Bank (11) investor relations material
Hang Seng Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary30 Jul, 2025
Executive summary
Net operating income before ECL grew 3% year-on-year to HKD 20,975 million, driven by a 34% rise in fee and other income, now 31.6% of total revenue.
Profit before tax declined 28% year-on-year to HKD 8.1 billion due to increased provisions and credit losses, mainly from the CRE sector.
Earnings per share decreased 34% to HKD 3.34; return on equity at 7.9%.
Strong capital base with CET1 ratio at 21.3% and liquidity coverage ratio at 311%.
Proactive risk management and business diversification supported resilience amid economic headwinds.
Financial highlights
Net interest income fell 7% year-on-year to HKD 14,339 million due to subdued loan demand and lower market rates.
Fee and other income contributed 31.6% of total revenue, up from 26% at 2024 year-end.
Net income from financial instruments at fair value through profit or loss rose 280% to HKD 10,716 million, driven by insurance and trading gains.
Operating expenses rose 1% year-on-year to HKD 7,565 million; cost efficiency ratio improved to 36.1%.
Dividend per share increased 8% year-on-year to HKD 2.60.
Outlook and guidance
Management expects continued pressure on CRE and credit costs in the second half, with ECL likely at similar levels to the first half.
Early signs of recovery in capital markets and gradual improvement in the residential property sector.
Net interest income and margin expected to remain under pressure, but wealth management and fee income growth momentum to continue.
Focus on revenue diversification, digital transformation, and prudent risk management.
Commitment to sustainable shareholder returns, with dividend payout ratio expected within 100% of profit, subject to market conditions.
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Next Hang Seng Bank earnings date
H2 202518 Feb, 2026
Next Hang Seng Bank earnings date
H2 202518 Feb, 2026
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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.
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