<div id="readability-page-1"><div> Hua Nan Financial Holding Co (華南金控) yesterday said that it expects modest profit growth this year as it fine-tunes its loan portfolio, even as income from foreign currency swap operations is poised to decline.The bank-focused conglomerate plans to optimize its loan mix by expanding higher-yielding corporate and consumer lending, while maintaining prudent credit risk controls, Hua Nan Financial president Hsiao Yu-mei (蕭玉美) said at an earnings conference in Taipei.“By refining our lending structure and reinforcing core banking operations, we aim to preserve stable growth while reducing reliance on more volatile trading income,” she added.Hua Nan Commercial Bank Ltd (華南銀行), which accounts for over 80 percent of the group’s earnings, anticipates flat loan growth this year, reflecting the central bank’s continued tight credit policy on property lending.Meanwhile, gains from foreign exchange swap operations are expected to fall by 20 to 30 percent from last year, following a 30 percent drop last year after US Federal Reserve rate cuts, the bank said. The bank noted that narrower borrowing-cost differentials between the US dollar and New Taiwan dollar would likely moderate opportunities in the swap market.Despite the anticipated dip in trading income, the bank projects mild overall profit growth, supported by steady loan demand and disciplined cost management, it said.Interest income is expected to rise about 10 percent, while fee income could grow 5 to 10 percent, driven by wealth management, private banking and offshore lending, the bank said.The bank plans to expand fee-based businesses and deepen relationships with corporate clients as a key strategy for sustainable earnings, it added.“There is ample room for improvement for the family office business targeting both individual and corporates,” the bank said.Hua Nan Financial closed last year with a record net profit of NT$26.42 billion (US$826.99 million), up 14.2 percent from the previous year, setting a historical high. Earnings per share rose to NT$1.9, reflecting strong performance across its banking and insurance subsidiaries, it said. </div></div>

正乾金融控股

华南金融控股公司预测今年将实现适度的利润增长，尽管外币掉期业务收入预计将下降。该集团计划通过扩大高收益的企业和消费贷款来优化贷款组合，同时保持谨慎的信用风险控制。华南银行总裁萧玉美表示，通过精炼贷款结构和加强核心银行业务，旨在保持稳定增长，减少对波动性交易收入的依赖。

Hua Nan predicts modest long-term growth this year