incorporated in hong kong with limited liability under the companies ordinance stock code 2388 interim results for 2004 chairman s statement i am pleased to report that six months 30 june group posted a profit attributable shareholders of hk 5 581 million up 85 29 from same period last year earnings per share was 0 5279 representing an increase we also recorded marked improvement return on average total assets and funds operating income 8 023 down 9 20 before provisions 356 12 75 our asset quality continued improve as witnessed by npl ratio falling new low 4 11 compared 78 at end 2003 view strong balance sheet performance during board has declared dividend 320 195 first half it becoming increasingly evident its