PUBLIC FINANCIAL HOLDINGS LIMITED (“the Group”) reported a profit after tax of HK$79.65 million for the year ended 31 December 2025, contrasting with a loss of HK$999.39 million in the prior year. Basic and diluted earnings per share stood at HK$0.073, underpinned by net interest income of HK$1.15 billion and reduced credit loss expenses, which declined from HK$499.08 million to HK$287.22 million. Revaluation gains on investment properties of HK$78.00 million further supported the improvement in performance.

At year-end 2025, total assets reached HK$43.10 billion, up from HK$42.84 billion. Gross loans and advances grew to HK$25.27 billion, while total customer deposits rose to HK$33.28 billion. Equity amounted to HK$7.76 billion. The Group’s net cash outflow from operating activities totaled HK$2.43 billion, influenced by changes in placements, loans, and debt securities investments.

Management emphasized cautious expansion amid ongoing geopolitical uncertainties, shifts in property values, and fluctuating market interest rates. The Group maintained conservative credit practices, tightened cost controls, and focused on digital upgrades. Plans include refining product offerings in retail and commercial banking, fee-based businesses, and sustainable finance. Cost efficiency and prudent capital management remained central priorities.

Corporate governance practices complied with the relevant listing provisions, with the Board composed of Non-Executive Directors, Independent Non-Executive Directors, and an Executive Director. Committees such as the Audit Committee and Risk Management Committees oversaw key risks, including market, liquidity, credit, operational, cybersecurity, compliance, and climate-related factors. The independent auditor confirmed that the 2025 consolidated financial statements present a true and fair view of the Group’s financial position.

Throughout the year, the Group maintained comprehensive internal controls, regularly reviewed governance structures, and continued to develop ESG-related initiatives. Its property portfolio in Hong Kong and Shenzhen, comprising branch premises, offices, and leased properties, was carried at values reflecting periodic revaluations. Looking ahead, the Group plans to uphold stable governance while refining its digital channels, enhancing quality of service, and managing key risks to support its overall business objectives.