FIVE-YEAR FINANCIAL SUMMARY

2019 2020 2021 2022 2023
For the Year HK$bn HK$bn HK$bn HK$bn HK$bn
Operating profit 28.6 20.1 16.2 12.9 19.9
Profit before tax 28.8 19.4 16.4 12.8 20.1
Profit attributable to shareholders 24.8 16.7 14.0 11.3 17.8
At Year-end HK$bn HK$bn HK$bn HK$bn HK$bn
Shareholders’ equity 178.8 183.1 184.3 159.9 168.1
Issued and paid-up capital 9.7 9.7 9.7 9.7 9.7
Total assets 1,677.0 1,759.8 1,820.2 1,854.4 1,692.1
Total liabilities 1,498.1 1,576.6 1,635.8 1,694.4 1,523.9
Per Share HK$ HK$ HK$ HK$ HK$
Earnings per share 12.77 8.36 6.93 5.53 8.97
Dividends per share
- 1st to 4th interim dividends 8.20 5.50 5.10 4.10 6.50
Ratios % % % % %
Return on average ordinary shareholders’ equity 15.2 9.6 7.7 7.2 11.3
Post-tax return on average total assets 1.5 1.0 0.8 0.6 1.0
Capital ratios
- Common Equity Tier 1 ('CET1') Capital Ratio 16.9 16.8 15.9 15.2 18.1
- Tier 1 Capital Ratio 18.7 18.5 17.5 16.8 19.9
- Total Capital Ratio 20.8 20.0 18.9 18.1 21.4
Cost efficiency ratio 30.0 36.6 42.6 40.1 35.8
Chart of Operating Profit
Chart of Profit Attributable to Shareholders and Earnings per Share
Chart of Dividends per Share
Chart of Total Assets and Return of Total Assets
Chart of Shareholders’ Equity and Return on Average Ordinary Shareholders’ Equity
Chart of Total Capital Ratio

Unless otherwise stated, all tables in the 2023 Annual Report are presented on a reported basis. Financial results of 2023 and 2022 are prepared on HKFRS 17 basis and that of 2019/2020/2021 are prepared on HKFRS 4 basis and are not comparable.