大新銀行集團：2023年中期業績報告.pdf

1、（股份代號 Stock Code:2356)大新銀行有限公司之控股公司The holding company of Dah Sing Bank,Limited2023INTERIM REPORT中 期 業 績 報 告1目錄CONTENTSDAH SING BANKING GROUP LIMITED INTERIM REPORT 2023未經審核之簡明綜合收益賬未經審核之簡明綜合全面收益表 未經審核之簡明綜合財務狀況表 未經審核之簡明綜合權益變動表 未經審核之簡明綜合現金流量結算表 未經審核之中期簡明財務報表附註 財務比率集團及業務概覽企業管治及其他資料Unaudited Condensed C

2、onsolidated Income StatementUnaudited Condensed Consolidated Statement of Comprehensive IncomeUnaudited Condensed Consolidated Statement of Financial PositionUnaudited Condensed Consolidated Statement of Changes in EquityUnaudited Condensed Consolidated Statement of Cash FlowsNotes to the Unaudited

3、Interim Condensed Financial StatementsFinancial RatiosCorporate and Business OverviewCorporate Governance and Other Information23 4 5 7 8 878892截至6月30日止6個月 For the six months ended 30 June（以港幣千元位列示，除另有註明外）(Expressed in thousands of Hong Kong dollars unless otherwise stated)2未經審核之簡明綜合收益賬UNAUDITED CON

4、DENSED CONSOLIDATED INCOME STATEMENT大新銀行集團有限公司 2023年中期業績報告變動Variance附註百分比Note20232022%利息收入Interest income35,287,2102,696,956利息支出Interest expense3(3,018,165)(676,666)淨利息收入Net interest income2,269,0452,020,29012.3服務費及佣金收入Fee and commission income4474,544564,004服務費及佣金支出Fee and commission expense4(96,87

5、0)(82,402)淨服務費及佣金收入Net fee and commission income377,674481,602(21.6)淨交易收入Net trading income56,45193,456其他營運收入Other operating income638,23631,245 營運收入Operating income2,691,4062,626,5932.5營運支出Operating expenses7(1,533,321)(1,390,536)10.3 扣除減值虧損前之營運溢利Operating profit before impairment losses1,158,0851,

6、236,057(6.3)信貸減值虧損Credit impairment losses8(156,893)(305,055)(48.6)扣除若干投資及固定資產之 收益及虧損前之營運溢利Operating profit before gains and losses on certain investments and fixed assets1,001,192931,0027.5出售其他固定資產之淨虧損Net loss on disposal of other fixed assets(1,309)(426)出售以攤餘成本列賬的金融資產 之淨收益Net gain on disposal of f