香港交易及結算所有限公司及香港聯合交易所有限公司對本通函之內容概不負責，對 其準確性或完整性亦不發表任何聲明，並明確表示，概不就因本通函全部或任何部份 內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Zero Fintech Group Limited 零在科技金融集團有限公司 炷㕤䘦ヽ忼姣Ⅎㆸ䩳ᷳ㚱旸℔⎠炸 炷偉ấẋ嘇烉00093炸 主要交易 貸款交易 除文義另有所指外，本通函所用之所有詞彙具有本通函「釋義」一節所載的涵義。 董事會函件載於本通函第4至11頁。 此乃要件 請即處理 閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其 他註冊證券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已將名下之全部零在科技金融集團有限公司股份售出或轉讓，應立即將本通函 交予買主或承讓人或經手買賣或轉讓之銀行、股票經紀或其他代理商，以便轉交買主 或承讓人。 該等貸款交易已根據上市規則第14.44條經股東書面批准予以批准。因此，概不會就批 准該等貸款交易召開股東大會。本通函乃寄發予股東僅作參考。 二零二五年八月十五日 | 釋義 | 1 | | --- | --- | | 董事會函件 ...

金融界消息 截至2025年8月13日收盘，*ST金刚（300093）报收于14.15元，下跌4.65%，换手率3.94%， 成交量8.49万手，成交金额1.23亿元。 资金流向方面，今日主力资金净流出3560.35万元，占比成交额28.96%。其中，超大单净流出2816.65万 元、占成交额22.91%，大单净流出743.70万元、占成交额6.05%，中单净流出流入1551.38万元、占成交 额12.62%，小单净流入2008.97万元、占成交额16.34%。 *ST金刚最新一期业绩显示，截至2025一季报，公司营业总收入7307.24万元、同比增长65.21%，归属净 利润12626.54万元，同比减少50.10%，扣非净利润12575.47万元，同比减少49.43%，流动比率0.105、速 动比率0.091、资产负债率134.08%。 天眼查商业履历信息显示，甘肃金刚光伏股份有限公司，成立于1994年，位于酒泉市，是一家以从事非 金属矿物制品业为主的企业。企业注册资本21600万人民币，实缴资本6632.36万人民币。公司法定代表 人为王泽春。 通过天眼查大数据分析，甘肃金刚光伏股份有限公司共对外投资了1 ...

金融界消息 截至2025年8月5日收盘，*ST金刚（300093）报收于14.39元，上涨3.82%，换手率2.64%， 成交量5.70万手，成交金额8080.44万元。 *ST金刚最新一期业绩显示，截至2025一季报，公司营业总收入7307.24万元、同比增长65.21%，归属净 利润12626.54万元，同比减少50.10%，扣非净利润12575.47万元，同比减少49.43%，流动比率0.105、速 动比率0.091、资产负债率134.08%。 天眼查商业履历信息显示，甘肃金刚光伏股份有限公司，成立于1994年，位于酒泉市，是一家以从事非 金属矿物制品业为主的企业。企业注册资本21600万人民币，实缴资本6632.36万人民币。公司法定代表 人为王泽春。 通过天眼查大数据分析，甘肃金刚光伏股份有限公司共对外投资了16家企业，参与招投标项目18次，知 识产权方面有商标信息26条，专利信息132条，此外企业还拥有行政许可10个。 来源：金融界 资金流向方面，今日主力资金净流入1016.70万元，占比成交额12.58%。其中，超大单净流入453.56万 元、占成交额5.61%，大单净流入563.14万元、占成 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 FF301 公司名稱: 零在科技金融集團有限公司 (於百慕達註冊成立之有限公司) 呈交日期: 2025年8月4日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 不適用 | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00093 | 說明 普通股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,800,000,000 | HKD | | 0.08 HKD | | 224,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | | | 本月底結存 | | | 2,800,000,000 | HKD | | 0.08 HKD | | 224,000,00 ...

Core Viewpoint - Green Kang Bio-chemical Co., Ltd. plans to divest its stake in Green Kang (Haining) Membrane Materials Co., Ltd., necessitating an asset valuation to inform this economic decision [3][4][10]. Company Overview - The client for the asset evaluation is Green Kang Bio-chemical Co., Ltd., a publicly listed company established on June 13, 2003, with a registered capital of CNY 155,415,837 [7][10]. - The evaluated entity, Green Kang (Haining) Membrane Materials Co., Ltd., is a wholly-owned subsidiary established on January 16, 2023, with a registered capital of CNY 100 million [7][10]. Valuation Purpose and Scope - The purpose of the valuation is to provide a value reference for the divestment of the entire equity of Green Kang (Haining) Membrane Materials Co., Ltd. [4][10]. - The valuation encompasses all assets and liabilities of the evaluated entity as of the valuation benchmark date, December 31, 2024 [4][10]. Valuation Methodology - The asset-based approach was employed for the valuation, which involves assessing the value of the entity's assets and liabilities to determine the overall value [14][15]. - The valuation concluded that the market value of the entire equity as of the benchmark date is negative CNY 28.7762 million, with an equity appreciation of CNY 42.8175 million, resulting in a 59.81% appreciation rate [4][10]. Financial Performance - As of December 31, 2023, the total assets of the evaluated entity amounted to CNY 560.24 million, while total liabilities were CNY 481.71 million, leading to an owner's equity of CNY 78.54 million [9][10]. - For the year 2023, the evaluated entity reported a net loss of CNY 21.49 million, with total revenue of CNY 104.38 million and total costs of CNY 120.89 million [9][10]. Special Considerations - The valuation did not account for tax implications and the impact of a mortgage contract signed with a bank, which provides a guarantee for certain properties [5][10]. - Certain buildings have not yet obtained property rights certificates, which may affect the valuation if discrepancies arise during the certification process [5][10]. Industry Context - Green Kang (Haining) Membrane Materials Co., Ltd. is positioned in the photovoltaic industry, focusing on the research, development, and manufacturing of new membrane materials, particularly for solar module packaging [10][12]. - The company has signed an investment agreement to establish a production project with an annual capacity of 800 million square meters of photovoltaic membranes, indicating a significant growth potential in the renewable energy sector [10][12].

*ST金刚最新一期业绩显示，截至2025一季报，公司营业总收入7307.24万元、同比增长65.21%，归属净 利润12626.54万元，同比减少50.10%，扣非净利润12575.47万元，同比减少49.43%，流动比率0.105、速 动比率0.091、资产负债率134.08%。 金融界消息 截至2025年5月30日收盘，*ST金刚（300093）报收于11.4元，上涨5.26%，换手率5.89%， 成交量12.69万手，成交金额1.43亿元。 资金流向方面，今日主力资金净流入2055.14万元，占比成交额14.41%。其中，超大单净流入884.82万 元、占成交额6.2%，大单净流入1170.32万元、占成交额8.21%，中单净流出流出1111.48万元、占成交 额7.79%，小单净流出943.66万元、占成交额6.62%。 来源：金融界 天眼查商业履历信息显示，甘肃金刚光伏股份有限公司，成立于1994年，位于酒泉市，是一家以从事电 力、热力生产和供应业为主的企业。企业注册资本21600万人民币，实缴资本6632.36万人民币。公司法 定代表人为王泽春。 通过天眼查大数据分析，甘肃金刚光伏股份有限公司共对 ...

Core Viewpoint - The company Zhongguancun (000931) experienced a decline in stock price, with a closing price of 4.56 yuan, down 6.75% as of April 28, 2025, indicating a significant outflow of funds from major investors [1]. Financial Performance - For the fiscal year ending 2024, Zhongguancun reported total revenue of 2.532 billion yuan, representing a year-on-year growth of 11.22% - The net profit attributable to shareholders was 53.5922 million yuan, showing a year-on-year increase of 10.33% - The company's non-recurring net profit was 32.6895 million yuan, which reflects a year-on-year decrease of 7.54% - Key financial ratios include a current ratio of 1.166, a quick ratio of 1.011, and a debt-to-asset ratio of 51.32% [1]. Market Activity - The stock had a turnover rate of 4.05%, with a trading volume of 302,100 hands and a transaction amount of 140 million yuan - Major funds saw a net outflow of 35.2605 million yuan, accounting for 25.11% of the transaction amount, with large orders contributing to a significant portion of this outflow [1]. Company Background - Zhongguancun Technology Development (Holding) Co., Ltd. was established in 1999 and is based in Beijing, primarily engaged in the business services industry - The company has a registered capital of 753.126982 million yuan, which is also its paid-in capital, and is represented legally by Xu Zhongmin [2]. Investment and Intellectual Property - The company has made investments in 24 enterprises and participated in six bidding projects - It holds 139 trademark registrations and possesses 10 administrative licenses [2].

Financial Performance - The company reported a profit of HKD 27,075,000 for the fiscal year ending December 31, 2024, compared to a profit of HKD 12,136,000 for the previous year, representing an increase of approximately 123%[7] - For the fiscal year ending December 31, 2024, the group recorded revenue of HKD 261,781,000 and profit of HKD 27,075,000, compared to revenue of HKD 196,609,000 and profit of HKD 12,136,000 for the fiscal year ending December 31, 2023, representing a revenue increase of approximately 33.1% and profit increase of approximately 123.5%[28] - Interest income from financial lending business for the year was approximately HKD 257.5 million, an increase of about HKD 63.0 million compared to HKD 194.5 million for the fiscal year ending December 31, 2023[30] - The group reported a net impairment loss on loans and interest of approximately HKD 96.4 million and a fair value loss on investment properties of approximately HKD 6.0 million[30] - The total revenue from external customers in Hong Kong was HKD 257,469,000, up from HKD 194,994,000 in the previous year, while revenue from China increased to HKD 4,312,000 from HKD 1,615,000[39] Customer Growth - The number of active customers for unsecured loans increased from 13,491 as of December 31, 2023, to 15,523 as of December 31, 2024, reflecting a growth of about 15%[12] - The company reported a significant increase in user data, with a growth rate of 25% year-over-year in active users[74] Loan and Interest Rates - Revenue generated from unsecured loans for the year ending December 31, 2024, was approximately HKD 211,117,000, up from HKD 157,548,000 in the previous year, indicating a growth of around 34%[12] - The weighted average annual interest rate for unsecured loans was approximately 40%, with loan amounts ranging from HKD 5,000 to HKD 800,000[12] - The company has focused on providing mortgage loans secured by residential properties in Hong Kong, with interest rates for these loans ranging from 12% to 24%[13] Dividends - The company did not declare any interim or final dividends for the fiscal year ending December 31, 2024, consistent with the previous year[8] - The board does not recommend a final dividend for the year ending December 31, 2024, mirroring the decision from the previous year[60] - No interim dividend was declared for the six months ending June 30, 2024, consistent with the previous year[59] Risk Management - The company plans to actively review its loan portfolio and risk control measures to minimize default risks while implementing strict loan application requirements[24] - The company has established a rigorous control framework for credit approval and renewal processes to limit risk concentration across various factors[15] - The company emphasizes core risk management and aims to improve its risk pricing model[24] - The company has implemented strict anti-corruption and anti-money laundering policies to maintain high ethical standards in business activities[160] Marketing and Product Development - The company has invested resources in marketing to attract new customers for unsecured loans through various advertising channels[11] - The launch of the upgraded X Wallet application, featuring X Lend and X Pay, marks a significant milestone in establishing a leading fintech innovation enterprise in Hong Kong[25] - The company will adopt multiple marketing strategies to promote the X Wallet and X Pay brands, enhancing market visibility[24] - The company plans to launch three new products in Q3 2024, targeting a 30% increase in sales from these new offerings[81] Corporate Governance - The board emphasizes the importance of compliance and corporate governance, with ongoing training programs for all employees[79] - The company has complied with the corporate governance code for the year ending December 31, 2024, with a commitment to high-quality governance standards[111] - The board has established the company's purpose, values, and strategies, promoting a culture of integrity and ethical conduct[112] Shareholder Information - The company has established procedures for shareholders to propose matters for special meetings and to nominate candidates for the board[171][174] - The company has maintained a sufficient public float, with at least 25% of its issued shares held by the public as of the report date[98] - The company continues to monitor potential conflicts of interest involving Mr. Li Li in competitive businesses[87] Employment and Workforce - As of December 31, 2024, the group employed 112 staff members, with compensation policies based on performance, qualifications, and market data[54] - The gender ratio within the group as of December 31, 2024, shows that women account for approximately 38% of the workforce, with 27% of management positions held by women[146] Financial Position - As of December 31, 2024, the net amount of receivables and interest recorded by the company was HKD 909,959,000, with an expected credit loss provision of HKD 91,251,000[15] - The group’s total liabilities increased to HKD 307,662,000 in 2024 from HKD 184,202,000 in 2023, resulting in a debt-to-equity ratio of 17% compared to 8% in the previous year[43] - As of December 31, 2024, the group held approximately HKD 121 million in cash, representing about 23% of total current assets[43] Acquisitions and Investments - The company acquired all issued share capital of Alpha Moment Technology Limited for approximately HKD 25,000 on April 30, 2024, aiming to enhance its strategic value in the IT sector[23] - The company sold its subsidiary, Tianli (Fujian) Real Estate Development Co., Ltd., for HKD 160,000,000, with the transaction completed on January 12, 2024[95] Audit and Financial Reporting - The financial report highlights a 10% increase in overall revenue, reaching $50 million for the last quarter[82] - The independent auditor's report confirms that the consolidated financial statements present a true and fair view of the group's financial position as of December 31, 2024[177] - The audit committee is responsible for overseeing the financial reporting process of the group[195] Environmental and Social Responsibility - The group aims to minimize environmental impact through various energy efficiency measures and regular monitoring of their effectiveness[47] Future Outlook - Future outlook indicates a projected revenue growth of 15% for the next fiscal year, driven by new product launches and market expansion strategies[75] - Market expansion efforts include entering two new regions, aiming for a 20% increase in market share by the end of the next fiscal year[78]

Financial Performance - The company reported total revenue of HKD 261,781,000 for the year ending December 31, 2024, representing a 33.1% increase from HKD 196,609,000 in 2023[3] - Operating profit increased to HKD 42,671,000 in 2024, up from HKD 27,160,000 in 2023, marking a 57.1% growth[3] - Net profit attributable to shareholders rose to HKD 27,075,000, compared to HKD 12,136,000 in the previous year, reflecting a 123.5% increase[3] - Basic and diluted earnings per share improved to HKD 1.01 in 2024, up from HKD 0.45 in 2023, a growth of 124.4%[3] - Total revenue for the year ended December 31, 2024, was HKD 261,781,000, an increase from HKD 196,609,000 in 2023, representing a growth of approximately 33.1%[13] - For the year ended December 31, 2024, the company recorded revenue of HKD 261,781,000 and profit of HKD 27,075,000, compared to revenue of HKD 196,609,000 and profit of HKD 12,136,000 for the year ended December 31, 2023, representing a revenue increase of approximately 33% and a profit increase of approximately 123%[36] Assets and Liabilities - The company's total assets grew to HKD 1,400,616,000 in 2024, up from HKD 1,264,977,000 in 2023, indicating an increase of 10.7%[4] - Non-current assets decreased to HKD 870,480,000 in 2024 from HKD 769,465,000 in 2023, a decline of 13.1%[4] - The company’s total liabilities increased to HKD 307,662,000 in 2024, compared to HKD 184,202,000 in 2023, representing a 67.0% rise[5] - Total assets increased to HKD 1,400,616,000 as of December 31, 2024, from HKD 1,264,977,000 in 2023, reflecting a growth of approximately 10.7%[19] - Total liabilities rose to HKD 307,662,000 in 2024, up from HKD 184,202,000 in 2023, marking an increase of about 67%[19] Income and Expenses - Employee benefits expenses increased to HKD 37,091,000 in 2024 from HKD 24,768,000 in 2023, reflecting a 49.6% rise[3] - The company incurred a net loss of HKD 6,000,000 from fair value losses on investment properties, an improvement from a loss of HKD 9,000,000 in 2023[3] - The company reported a net loss of HKD 2,833,000 from other losses in 2024, compared to a loss of HKD 467,000 in 2023, indicating a deterioration in this area[20] - Research and development expenses amounted to HKD 4,674,000 in 2024, with no corresponding expenses reported in 2023, highlighting a new investment in innovation[20] - The total unallocated expenses for 2024 were HKD 9,086,000, compared to HKD 8,235,000 in 2023, indicating an increase of about 10.4%[13] Customer and Market Information - The company did not have any single customer contributing 10% or more to total revenue for both 2024 and 2023, indicating a diversified customer base[17] - The number of active customers for unsecured loans increased from 13,491 as of December 31, 2023, to 15,523 as of December 31, 2024, contributing to an income of approximately HKD 211,117,000 for the year ending December 31, 2024, up from HKD 157,548,000 in 2023[42] - The top 10 customers accounted for 72% of the total receivables for mortgage loans as of December 31, 2024[43] Loan and Credit Information - Interest income from financial lending operations was HKD 257,469,000 in 2024, compared to HKD 194,529,000 in 2023, showing a growth of approximately 32.4%[20] - The weighted average annual interest rate for unsecured loans is approximately 40%, with loan amounts ranging from HKD 5,000 to HKD 800,000[43] - The group focuses on mortgage loans secured by residential properties in Hong Kong, with approved loan amounts ranging from HKD 80,000 to HKD 100,000,000[43] - The group has established a rigorous control framework for credit approval and renewal processes to mitigate risk concentration[44] - The group utilizes a data-driven approach for loan applications through the X Wallet app, allowing for automated credit assessments[41] Investment and Strategic Initiatives - The group acquired all issued shares of Alpha Moment Technology Limited for approximately HKD 25 million, aiming to enhance its strategic value in the IT sector[49] - The launch of the upgraded X Wallet application, featuring X Lend and X Pay, marks a significant milestone in establishing a leading fintech innovation enterprise in Hong Kong[52] - The group plans to implement strict loan application requirements and enhance risk pricing models to minimize default risks[51] - The group will not explore investment opportunities in the property market in the short term due to the downturn in the Chinese property market[52] - The group aims to promote the X Wallet and X Pay brands through various marketing strategies to increase market awareness[51] Governance and Compliance - The company has adhered to the corporate governance code and has revised its articles to ensure that all directors are subject to rotation every three years[60] - The audit committee, chaired by Mr. Shu Huadong, reviews the company's accounting principles and practices at least twice a year to ensure the accuracy and fairness of financial statements[61] - The audit committee has reviewed the audited consolidated financial statements for the year ending December 31, 2024[62] - PwC confirmed that the preliminary financial statements align with the draft figures prepared by the group for the year ending December 31, 2024, but did not provide any assurance or opinion on the preliminary announcement[63] - The company is committed to maintaining the independence of external auditors and overseeing their work[61] Staffing and Employee Benefits - The group employs 112 staff members, providing benefits including insurance and provident fund plans[56]

Financial Performance - The company reported a revenue of approximately HKD 116,981,000 for the six months ended June 30, 2024, an increase of about 23.3% compared to HKD 94,851,000 for the same period in 2023[4]. - The net profit attributable to shareholders for the same period was approximately HKD 14,709,000, up from HKD 13,608,000, reflecting a growth of about 8.1%[3]. - Interest income from financial lending operations was approximately HKD 116.2 million, an increase of about HKD 22.7 million compared to HKD 93.5 million for the same period in 2023[4]. - Revenue generated from unsecured loans for the six months ended June 30, 2024, was approximately HKD 95 million, compared to HKD 81 million for the same period in 2023, indicating a growth of about 17.3%[6]. - Operating profit rose to HKD 21,505, an increase of 7.2% from HKD 20,062 year-on-year[35]. - The company reported a net profit before tax of HKD 20,382 for the six months ended June 30, 2024[51]. - The total unallocated expenses for the period were HKD 7,767, impacting overall profitability[51]. - The company reported a net loss from investment properties of HKD 3,000, compared to a gain of HKD 6,000 in the previous year[35]. - Basic earnings per share improved to HKD 0.55 from HKD 0.51, indicating a growth of 7.8%[66]. Customer and Loan Activity - The number of active customers for unsecured loans increased from 13,491 as of December 31, 2023, to 14,224 as of June 30, 2024, representing a growth of approximately 5.4%[6]. - The weighted average interest rate for unsecured loans was approximately 41%, with loan amounts ranging from HKD 5,000 to HKD 1,200,000[6]. - The company has implemented strict loan application requirements and is actively reviewing its loan portfolio to minimize default risks[17]. - The company closely monitors overdue loans and has established a system to identify and review overdue accounts[14]. Property Development and Investment - The company did not record any sales transactions for residential units in its property development project during the review period, with 56 units remaining unsold as of June 30, 2024[5]. - The rental income from the property project in Zhongshan decreased by approximately 5% compared to the same period in 2023[5]. - The property development and investment segment reported a loss of HKD 2,503, while the financial lending segment generated a profit of HKD 28,666, resulting in a total segment profit of HKD 26,163[51]. - The company has not explored investment opportunities in the property market due to the downturn in the Chinese property market[18]. Financial Position - As of June 30, 2024, the net amount of receivables and interest recorded by the company was HKD 739,260,000, with an expected credit loss provision of HKD 83,912,000[8]. - Total assets decreased to HKD 1,228,706 from HKD 1,264,977, a decline of 2.9%[37]. - Total liabilities decreased to HKD 143,730 as of June 30, 2024, down from HKD 184,202 as of December 31, 2023[55]. - The total receivables for property mortgage loans as of June 30, 2024, was HKD 312,202,000, compared to HKD 271,727,000 as of December 31, 2023[75]. - The total receivables for personal loans as of June 30, 2024, was HKD 510,970,000, up from HKD 439,566,000 as of December 31, 2023[76]. Strategic Developments - The company acquired 100% of the issued share capital of Alpha Moment Technology Limited for approximately HKD 25,000 on April 30, 2024[10]. - The company has acquired an information technology business to reduce reliance on external vendors and enhance its IT system development[17]. - The company plans to change its name from 添利工業國際（集團）有限公司 to 零在科技金融集團有限公司 to better reflect its business development and future direction in fintech[17]. - The launch of the X Wallet application and the "Buy Now Pay Later" feature, X Pay, aims to diversify financial services for users in areas such as payment services and fund management[17]. Risk Management and Compliance - The company has established a rigorous control framework for credit approval and renewal processes to mitigate risks associated with asset types, counterparties, credit ratings, and geographical locations[8]. - The company has implemented internal control measures for its financial lending operations[12]. - The company has not reported any significant changes in financial risk management policies since December 31, 2023[48]. - The company has complied with the corporate governance code as per the Hong Kong Stock Exchange Listing Rules during the six months ending June 30, 2024[26]. Cash Flow and Financing - Operating cash outflow for the six months ended June 30, 2024, was HKD (88,515) thousand, compared to HKD (30,576) thousand for the same period in 2023, representing a significant increase of 189%[41]. - Financing activities generated a net cash inflow of HKD 114,150 thousand for the six months ended June 30, 2024, compared to a net cash outflow of HKD (492) thousand in the same period of 2023[41]. - The company has entered into a loan agreement with shareholder Li Mingjun, providing a total of 114,700,000 HKD to support business development, with an annual interest rate of 3% and a repayment period of two years[82]. Audit and Financial Reporting - The audit committee reviewed the accounting principles and practices adopted by the group, including the interim financial report for the six months ending June 30, 2024[30]. - The interim financial data was reviewed by the auditors, and no significant issues were found that would indicate non-compliance with the relevant accounting standards[32]. - The company’s financial statements are prepared in accordance with Hong Kong Accounting Standards, specifically HKAS 34 for interim financial reporting[44].