Dah Sing Banking Group reported a profit attributable to shareholders of HK$1.78 billion for the six months ended 30 June 2026, an increase of 12.8% year on year.

Net interest income rose 7.0% to HK$2.97 billion, driven by a wider net interest margin of 2.44% (1H 2025: 2.32%). Net fee and commission income advanced 29.2% to HK$939 million, lifting total operating income by 8.6% to HK$4.12 billion.

Operating expenses grew 2.7% to HK$1.75 billion; the cost-to-income ratio improved to 42.5% from 45.0%. Credit impairment charges edged down 0.6% to HK$724 million. Profit before tax increased 13.6% to HK$2.07 billion, while basic earnings per share rose to HK$1.27 (1H 2025: HK$1.12).

By business line, Personal Banking posted a 12% rise in operating income and a 36% increase in operating profit after impairment, supported by stronger wealth-management fees and lower credit costs. Corporate Banking recorded higher pre-impairment profit but lower net profit owing to a 26% jump in credit impairment charges. Treasury and Global Markets delivered a 1% gain in pre-impairment profit; operating profit after impairment rose 6% following write-backs. The Mainland China and Macau banking operations achieved 186% growth in pre-impairment profit, yet remained loss-making after impairment; the Group’s share of profit from associate Bank of Chongqing grew 16%, resulting in a 3% rise in segment profit before tax.

Total assets stood at HK$267.54 billion. Gross customer loans increased to HK$142.17 billion and customer deposits were HK$204.61 billion, producing a loan-to-deposit ratio of 69.4%. Dah Sing Bank’s consolidated common-equity Tier 1 ratio was 19.1% and total capital adequacy ratio 23.4%. The average liquidity maintenance ratio for the period was 59.0%.

The Board declared an interim dividend of HK$0.35 per share, payable on 24 September 2026 to shareholders on record as of 16 September 2026 (register closed 14–16 September 2026).

The Group highlighted robust growth in Hong Kong loan demand, ongoing improvement in asset quality—reflected in a lower impaired-loan ratio of 3.03%—and disciplined cost control. Management emphasised the Group’s strong capital and liquidity buffers amid a dynamic operating environment.