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Key Financial Information

Financial Highlights

 

 2017

 HK$’000

2016

HK$’000

2015

 HK$’000

FOR THE YEAR

   

 Net interest income

507,578

490,642

590,328

 Profit attributable to  shareholders

806,395

603,984

725,152

 Loan purchases

315,793

205,771

336,520

 Debts issuance1

17,856,470

16,175,123

13,961,322

 Net premiums  written

417,076

367,562

271,251

AT YEAR END

 

 

 

 Loan portfolio, net

7,829,441

9,533,961

11,502,312

 Debt securities  issued

34,840,706

34,233,467

33,463,211

 Mortgage  insurance —  risk-in-force2

17,588,701

14,104,839

11,304,749

OTHER STATISTICS

 

 

 

 Net interest margin

1.1%

1.0%

1.2%

 Capital adequacy ratio

21.0%

21.3%

21.9%

 Cost-to-income  ratio

26.8%

30.8%

25.7%

 Return on assets

1.6%

1.1%

1.4%

 Return on  shareholders’  equity

8.6%

6.8%

8.1% 

Notes:

1. For debts with tenor of one year and above.

2. The risk-in-force excludes exposure that has been covered by quota-share reinsurance arrangement.

Financial Reports
 Interim ReportAnnual Report
2017Interim ReportAnnual Report
2016Interim ReportAnnual Report
2015Interim ReportAnnual Report