$HANG SENG BANK(00011.HK)去年少賺 27% 至 101.65 億遜預期，派第四次中期息 2 元；恒生去年淨利息收益率擴闊 28 基點，撥備增 172%；無計劃派發周年特別股息，去年內房貸款帳簿減少 180 億元；恒生平均股東權益回報率降至 5.5%，成本效益比率為 43.5%
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