Hang Seng Bank 2021 Financial Overview and Segment Performance

Financial Overview HK$ Mn 2021 vs 2020 WPB CMB GB&M Net interest income 13,013 11% 7,037 15% 4,161 6% Non-interest income 5,493 8% 1,899 1,265 25% Net operating income before change in expected credit losses & other credit impairment charges 18,506 6% 8,936 12% 5,426 11% Operating profit 9,610 9% 4,147 18% 2,965 40% Profit before tax 9,682 8% 4,147 18% 2,965 40% Gross advances Customer deposits 的恒生銀行 HANG SENG BANK WPB 6% 31 Dec 21 vs 31 Dec 20 CMB 2% 8% GB&M 11% 22% Favourable Unfavourable

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