Interest income

Interest expenses

371,808

(189,835)

336,985

(164,967)

Net interest income

5(a)

181,973

172,018

Fee and commission income

Fee and commission expenses

55,949

(6,229)

44,814

(5,636)

Net fee and commission income

5(b)

49,720

39,178

Sales of goods and services

5(c)

452,163

323,808

Other revenue

5(d)

25,080

17,945

Total revenue

Cost of sales and services

Other net income

Expected credit losses

Impairment losses

Other operating expenses

Net valuation loss on investment properties

Share of profits of joint ventures, net of tax

6,11

7

8

9

11

708,936

(397,524)

7,747

(103,094)

(1,704)

(103,320)

(66)

12,787

4,776

552,949

(276,305)

6,363

(96,927)

(3,649)

(88,647)

(675)

10,533

3,960

Profit before net finance charges and taxation

Finance income

Finance costs

128,538

2,036

(9,433)

107,602

1,266

(11,150)

Net finance charges

10

(7,397)

(9,884)

Profit before taxation

Income tax

11

12

121,141

(20,863)

97,718

(16,790)

Profit for the year

100,278

80,928

Attributable to:

– Ordinary shareholders of the Company

– Non-controlling interests

70,222

30,056

56,628

24,300

Profit for the year

100,278

80,928

Earnings per share for profit attributable to ordinary

shareholders of the Company during the year:

Basic and diluted earnings per share (HK$)

16

2.41

1.95