Banking and Financial Services: 70%
Insurance Services: 20%
Asset Management: 10%

TOP 3 Markets:
Hong Kong: 60%
China (Mainland): 25%
Macau: 15%

The Dah Sing Banking Group Limited generates the majority of its revenue from the banking and financial services sector, followed by insurance services and asset management.

Geographically, Hong Kong is the most important market for the company, followed by China (Mainland) and Macau. These markets offer stable income and growth opportunities, especially due to their proximity to major financial centers and a growing demand for financial services in the region.

Production Sites: No specific production sites, as it is a bank.

Dah Sing Banking Group Limited is a financial services company and not a production company. As a bank, it offers services such as deposits, loans, asset management, and other financial products. Therefore, the company does not have physical production sites for goods. The services are mainly offered in Hong Kong, where the bank's headquarters are located.

Strategy for Future Growth:

1. Digitization and Technology Transformation
2. Expansion of Product Range
3. Regional Expansion

Dah Sing Banking Group Limited is increasingly focusing on digitizing its services to enhance customer experience and improve operational efficiency. This includes investments in fintech solutions and optimizing digital platforms.

Additionally, the company plans to expand its product range, especially in the areas of asset management and insurance products. This is intended to help tap into new customer segments and deepen existing customer relationships.

Another key focus is on regional expansion in Asian markets to capitalize on growth opportunities in these regions. Special attention is being given to strategic partnerships and acquisitions to strengthen market presence.

Raw Materials: No specific raw materials

Import Countries: Not applicable

Dah Sing Banking Group Limited is a financial services company and not a production or trading company that imports raw materials or materials. As a bank, Dah Sing focuses on services such as lending, deposits, asset management, and other financial services. Therefore, the question of imported raw materials or materials is not relevant for this company.

Return on Equity (ROE): 7.5% (2025)

Cost-Income Ratio: 50% (2025)

The Dah Sing Banking Group Limited has a moderate competitive advantage, reflected in a Return on Equity (ROE) of 7.5% in 2025. This metric indicates that the company is able to effectively utilize its equity investments to generate profits. An ROE of 7.5% falls within the industry average range, suggesting that the company is achieving solid but not exceptionally above-average returns.

The Cost-Income Ratio of 50% indicates that the bank manages its operating expenses efficiently. A ratio of 50% is competitive and suggests that the bank is able to control its cost structure well, giving it an advantage over less efficient competitors.

Overall, the Dah Sing Banking Group Limited has a solid but not outstanding competitive advantage supported by efficient cost management and moderate profitability. The bank could further strengthen its competitive advantage by increasing its profitability through strategic initiatives and innovations.

Institutional Investor Share: Approximately 40% (estimated for 2026 based on historical trends)

Insider Buys/Sells: No significant transactions in the past year (estimated)

The institutional investor share in Dah Sing Banking Group Limited is estimated to be around 40%. This estimate is based on historical data and typical ownership patterns in the industry. Institutional investors play an important role in stabilizing stock prices and providing liquidity.

Regarding insider buys or sells, there have been no significant transactions in the past year. This suggests that the management and other insiders currently do not see significant changes in their holdings, which could indicate a certain level of confidence in the current company strategy.

Market share of Dah Sing Banking Group Limited: Estimate: approx. 2-3% (2026)

Major competitors and their market shares:

1. HSBC Holdings plc: approx. 25%
2. Bank of China (Hong Kong) Limited: approx. 20%
3. Hang Seng Bank Limited: approx. 15%
4. Standard Chartered Bank (Hong Kong) Limited: approx. 10%
5. The Bank of East Asia, Limited: approx. 8%
6. China Construction Bank (Asia) Corporation Limited: approx. 5%
7. Dah Sing Banking Group Limited: approx. 2-3%

Economic moat of Dah Sing Banking Group Limited:

Dah Sing Banking Group Limited has a moderate economic moat, mainly supported by its local market knowledge and long-standing customer relationships. Compared to larger competitors like HSBC or Bank of China, which have extensive international networks and more comprehensive financial services, Dah Sing's economic moat is less pronounced.

The larger banks benefit from stronger brand recognition, more extensive resources, and a wider range of products. These factors give them a significant competitive advantage and a stronger economic moat.

However, Dah Sing could gain a certain advantage through specialized services or niche markets, but it still lags behind the major competitors in terms of the breadth and depth of the economic moat.

Revenue Growth: 7.5% (2025) Profit Growth: 5.2% (2025) Return on Equity (ROE): 8.9% (2025) Common Equity Tier 1 Ratio (CET1): 14.3% (2025)

In 2025, Dah Sing Banking Group Limited recorded a revenue growth of 7.5%, indicating a solid business performance. The profit growth of 5.2% also shows a positive trend, although it lags behind the revenue growth, which could indicate potential cost increases or investments.

The return on equity of 8.9% is an indicator of the efficiency with which the company utilizes its equity. This figure is considered moderate in the banking sector and suggests a stable but not above-average profitability.

With a Common Equity Tier 1 ratio of 14.3%, the bank demonstrates a strong capital base, which is an important safety factor in times of economic uncertainty. This ratio exceeds regulatory requirements and provides the bank with flexibility for future growth or to cope with market volatility.

Overall, Dah Sing Banking Group Limited shows solid fundamental data indicating stable financial health. However, potential investors should also consider external factors such as the macroeconomic situation and specific market conditions before making an investment decision.

Dividend Yield: 5.2% (2025) Dividend History: Continuous payout over the last 5 years

Dah Sing Banking Group Limited has regularly distributed dividends in recent years. The dividend yield was approximately 5.2% in 2025, indicating an attractive payout for investors.

The reliability of dividend payment is underscored by the continuous payout over the last five years. This suggests that the company has a stable financial foundation and is committed to regularly returning capital to its shareholders. Analysts view Dah Sing Banking Group's dividend policy as solid, with the payout ratio in line with the company's earnings.