Investor Presentaiton
Income Statement and Balance Sheet Summary
Income statement summary (HK$m)
1H2022
1H2021
Change
Net interest income*
17,663
16,254
8.7%
Net fee and commission income
5,144
6,657
-22.7%
Other non-interest income*
4,425
2,139
106.9%
Net operating income before impairment allowances
27,232
25,050
8.7%
Operating expenses
(7,826)
(7,582)
3.2%
Pre-provision Operating Profit (PPOP)
19,406
17,468
11.1%
Net charge of impairment allowances
(1,714)
(1,182)
45.0%
Operating profit
17,692
16,286
8.6%
Profit for the period
14,417
13,591
6.1%
Profit attributable to equity holders of the Company
13,472
12,576
7.1%
Per share (HK$)
1H2022
1H2021
Change
Basic earnings per share
1.2742
1.1895
7.1%
Dividend per share
0.447
0.447
Balance sheet summary (HK$m)
2022.06
2021.12
Change
Total assets
3,621,134
3,639,430
-0.5%
Advances to customers
1,681,050
1,599,084
5.1%
Total liabilities
3,296,619
3,311,969
-0.5%
Deposits from customers
2,400,609
2,331,155
3.0%
Capital and reserves attributable to equity holders
324,515
327,461
-0.9%
*Adjusted for the funding income or cost of FX swap contracts
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