Hang Seng Bank 2021 Financial Overview and Segment Performance

2021: A Year of Continuity and Change Solid balance sheet growth ■ Healthy increase in non-interest income ■Strong momentum in mortgage, trade and green loans portfolios Advanced digital developments Focused on ESG to support transition to a low-carbon economy Strong wealth management businesses in first half but dampened investor and business sentiment from Omicron and increased refinancing risk in the Mainland commercial real estate sector in second half Higher expected credit losses based on uncertainties in mainland China real estate sector despite stable quality of lending portfolio 的恒生銀行 HANG SENG BANK

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