Investor Presentaiton

Operating Expenses HK$m 1H2022 1H2021 Change Staff costs 4,605 4,389 4.9% Premises & equipment expenses 589 579 1.7% Depreciation and amortisation 1,526 1,515 0.7% Others 1,106 1,099 0.6% Total operating expenses 7,826 7,582 3.2% 2022.06 2021.06 Change Full-time staff headcount 14,220 14,462 -1.7% 28

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