Dah Sing Banking Group Income Statement

Financials in millions HKD. Fiscal year is January - December.

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	10,363	12,147	11,486	6,965	5,170
Interest Paid on Deposits	4,534	6,859	6,670	2,582	1,226
Net Interest Income	5,829	5,288	4,815	4,383	3,944
Net Interest Income Growth (YoY)	10.22%	9.82%	9.87%	11.13%	6.72%
Income From Trading Activities	323.78	258.93	164.84	142.85	179
Gain (Loss) on Sale of Assets	-0.03	-1.76	2.83	-2.45	-7.41
Gain (Loss) on Sale of Investments	-0.02	-15.06	-552.01	-1,683	-752.21
Other Non-Interest Income	1,763	1,388	935.81	2,300	1,261
Total Non-Interest Income	2,086	1,630	551.47	757.77	680.3
Non-Interest Income Growth (YoY)	28.01%	195.57%	-27.22%	11.39%	-34.11%
Revenues Before Loan Losses	7,915	6,918	5,367	5,141	4,625
Provision for Loan Losses	1,783	1,791	731.31	803.1	373.34
Revenue	6,132	5,127	4,636	4,338	4,251
Revenue Growth (YoY)	19.61%	10.60%	6.87%	2.04%	4.17%
Salaries and Employee Benefits	2,350	2,247	2,115	2,047	1,971
Occupancy Expenses	610.94	646.25	575.3	632.14	628.31
Selling, General & Administrative	141.38	139.18	149.58	142.75	132.64
Other Non-Interest Expense	282.46	288.21	314.49	197.34	288.5
Total Non-Interest Expense	2,685	2,629	2,453	2,333	2,290
EBT Excluding Unusual Items	3,448	2,497	2,183	2,004	1,961
Asset Writedown	-95	-101.88	-41.09	-38.31	4.64
Other Unusual Items	-	-	-	3.85	-
Pretax Income	2,860	2,395	2,142	1,970	1,966
Income Tax Expense	383.75	335.02	281.27	361.18	308.12
Earnings From Continuing Operations	2,476	2,060	1,860	1,609	1,658
Net Income	2,476	2,060	1,860	1,609	1,658
Net Income to Common	2,476	2,060	1,860	1,609	1,658
Net Income Growth	20.16%	10.75%	15.63%	-2.94%	11.01%
Basic Shares Outstanding	1,406	1,406	1,406	1,406	1,406
Diluted Shares Outstanding	1,406	1,406	1,406	1,406	1,406
EPS (Basic)	1.76	1.47	1.32	1.14	1.18
EPS (Diluted)	1.65	1.37	1.23	1.07	1.18
EPS Growth	20.58%	11.57%	14.33%	-9.06%	11.01%
Dividend Per Share	0.800	0.660	0.600	0.390	0.340
Dividend Growth	21.21%	10.00%	53.85%	14.71%	13.33%
Effective Tax Rate	13.42%	13.99%	13.13%	18.33%	15.68%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.