The information provided at this site is an extract of the Annual Report 2018. The full version of Annual Report 2018 may be downloaded at this site or www.hangseng.com.

Visitors to this site are advised to refer to the full version of this Annual Report prior to making any investment decisions.

2018 PERFORMANCE
AT A GLANCE

Amplifying our services and solutions through the innovative application of AI, digital and mobile communications technologies.

Enhancing service convenience, access and choice across our distribution channels.

A new focus on creativity and collaboration to unlock the potential of our people.

NEW VOICES

ADVANCED

Digital banking innovations designed around the needs and expectations of our customers, including first-to-market AI chatbots for retail banking, are reinforcing our strong position in digital financial services.

NEW VOICES

ADVANCED

Digital banking innovations designed around the needs and expectations of our customers, including first-to-market AI chatbots for retail banking, are reinforcing our strong position in digital financial services.

Financial
Management on
the Move

Increasingly mobile lifestyles are driving service expectations. Providing on-the-move access to financial management is central to our multi-channel customer engagement strategy. Using simple and secure interfaces, our mobile platforms offer a wide range of wealth management products and services. Hang Seng Mobile Banking delivers on-the-go flexibility, convenience and choice for an enhanced customer experience in a busy world.

INSIGHTFUL

Deep customer knowledge and putting clients first remain key competitive advantages of our trusted brand, enabling us to continue to deliver on our growth objectives.

INSIGHTFUL

Deep customer knowledge and putting clients first remain key competitive advantages of our trusted brand, enabling us to continue to deliver on our growth objectives.

Engaging
Tomorrow’s
Customers

Young people growing up in the digital era have unprecedented access to information, and value individuality and choice. We are engaging this technologically savvy group of future entrepreneurs, community leaders and customers by offering them relatable and real-time banking services that align with their priorities and interests.

Building the
Future Face of
Finance

Technology is driving new highs of customer-centric service excellence by facilitating greater speed, convenience and personalisation. We spearheaded the use of AI chatbots to offer retail customers interactive assistance. Biometric authentication makes access to services easy and secure. Our one-stop Hang Seng P.P Payment Platform gives retail customers greater flexibility in choosing how to make and receive digital payments.

CONCERTED

Deployment of faster, more efficient and more secure global payment technologies is strengthening engagement with our SME customers, helping us achieve solid growth in our commercial banking business, and positioning us to capitalise on future opportunities in the Greater Bay Area.

We are working in concert with strategic partners and peers to develop industry-wide fintech initiatives that will improve financing accessibility.

CONCERTED

Deployment of faster, more efficient and more secure global payment technologies is strengthening engagement with our SME customers, helping us achieve solid growth in our commercial banking business, and positioning us to capitalise on future opportunities in the Greater Bay Area.

We are working in concert with strategic partners and peers to develop industry-wide fintech initiatives that will improve financing accessibility.

Powering
the Engine
of Local
Enterprise

Entrepreneurial local businesses are integral to the Hong Kong success story. Our seamless and comprehensive digital services enable SMEs to track the market’s pulse and act swiftly on new opportunities. Our WeChat Account and 24/7 online AI virtual assistant and Live Chat strengthen customer engagement. Our all-in-one Hang Seng One Collect payment collection service and enhanced digital platforms deliver cash management capabilities and real-time information to facilitate decision making.

DYNAMIC

A more open management culture and work environment that prioritise communication, well-being and productivity are promoting greater staff engagement and reinforcing our progressive approach to business in a rapidly evolving market.

DYNAMIC

A more open management culture and work environment that prioritise communication, well-being and productivity are promoting greater staff engagement and reinforcing our progressive approach to business in a rapidly evolving market.

Unleashing
Employee
Potential

Collaboration, creativity and expertise drive business success in a fast-moving market. Our workplace enhancement initiatives promote employee wellness and agile working by integrating technology and workspace design to facilitate interactive and efficient working styles. Along with flexi-hours and a good work-life balance, our people enjoy working conditions that facilitate the sharing of ideas, encourage innovation and unleash the energy that gives us the business agility to exceed customer expectations.