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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 HK$20,975m, driven by a 34% rise in fee and other income, especially from wealth management and investment services, despite a 7% decline in net interest income and a 28% drop in profit before tax to HK$8,097m due to higher credit impairment charges.
Earnings per share dropped 34% to HK$3.34; return on average ordinary shareholders' equity was 7.9%.
The bank remains well-capitalised with a CET1 ratio of 21.3% and declared a second interim dividend of HK$1.30 per share, totaling HK$2.60 for the half-year, up 8% year-on-year; plans for a share buy-back up to HK$3bn.
Underlying business performance remained resilient, with notable progress in business diversification, strong cost control, and proactive risk management, particularly regarding commercial real estate exposures.
Financial highlights
Net interest income fell 7% year-on-year to HK$14,339m, while fee and other income rose 34% year-on-year, now comprising 31.6% of total revenue.
Net fee income rose 23% to HK$3,147m, led by a 60% increase in securities broking income.
Net income from financial instruments at fair value surged 280% to HK$10,716m, with insurance business contributing HK$9,058m.
Operating expenses rose 1% to HK$7,565m, with employee compensation and software amortization up 2% and 14%, respectively.
Cost efficiency ratio improved to 36.1% from 36.8% a year ago.
Outlook and guidance
Management expects continued pressure on credit costs in the second half, particularly in the commercial real estate sector, with ECL likely to remain at similar levels as the first half.
Early signs of recovery are seen in capital markets and the residential property sector, but uncertainties remain due to macroeconomic factors, trade tariffs, and high interest rates.
Net interest margin is expected to remain pressured, while wealth management and fee income growth momentum should continue.
Focus continues on revenue diversification, digital transformation, and sustainable finance.
Plans to complete the HK$3bn share buy-back within six months and maintain a target dividend payout ratio of 70% for 2025.
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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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