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公佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公佈全部或任何 部分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。 中國金融投資管理有限公 司 （於香港註冊成立之有限公司） （股份代號：605） 盈利警告 本公佈乃由中國金融投資管理有限公司（「本公司」，連同其附屬公司統稱「本集團」） 根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.09(2)條及證券及期 貨條例（香港法例第571章）第XIVA部之內幕消息條文（定義見上市規則）而作出。 本公司董事會（「董事會」）謹此知會本公司股東及潛在投資者，根據對本集團未經審 核綜合管理賬目及董事會現時可得之其他資料而作出的初步評估，與截至二零二四 年六月三十日止六個月的本公司權益持有人應佔虧損約1,830萬港元相比，本集團預 期於截至二零二五年六月三十日止六個月（「報告期間」）將錄得本公司權益持有人應 佔虧損介乎約2,800萬港元至3,100萬港元。根據現時可得之資料，報告期間虧損增加 的主要原因是：(i)中國及香港融資業務收入因經濟環境不確定而減少及(ii)本集團 ...

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公佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公佈全部或任何 部分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。 上市規則之涵義 由於按上市規則第14.07條計算向借款人所授出貸款之多於一項適用百分比率超 過5%但低於25%，根據上市規則第14章，授出貸款構成本公司之須予披露交易及 須遵守通知及公佈規定。 須予披露交易 提供財務資助 提供財務資助 董事會欣然宣佈，於二零二五年八月十二日，成都惠信小貸（作為貸款人）與客戶FA （作為借款人）訂立貸款協議，據此，成都惠信小貸同意向借款人授出本金金額為 人民幣25,000,000元之貸款，期限為一年。 中國金融投資管理有限公 司 （於香港註冊成立之有限公司） （股份代號：605） 1 提供財務資助 董事會欣然宣佈，於二零二五年八月十二日，成都惠信小貸（作為貸款人）與客戶FA （作為借款人）訂立貸款協議，據此，成都惠信小貸同意向借款人授出本金金額為人 民幣25,000,000元之貸款，期限為一年。 下文概述貸款協議之主要條款。 貸款協議 | 協議日期 | ︰ | 二零二五年 ...

格隆汇8月8日丨中国金融投资管理(00605.HK)宣布，公司将于2025年8月28日（星期四）举行董事会会 议，藉以考虑及批准集团截至2025年6月30日止六个月的中期业绩以及处理任何其他事项。 ...

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公佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公佈全部或任何 部分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。 中國金融投資管理有限公 司 （於香港註冊成立之有限公司） （股份代號：605） 董事會會議召開日期 中國金融投資管理有限公司（「本公司」，連同其附屬公司統稱「本集團」）之董事會 （「董事會」）謹此宣佈，本公司將於二零二五年八月二十八日（星期四）舉行董事會 會議，藉以考慮及批准本集團截至二零二五年六月三十日止六個月之中期業績以及 處理任何其他事項。 承董事會命 中國金融投資管理有限公司 公司秘書 張 民先生 （行政總裁） 獨立非執行董事： 陳進強先生 張伯陶先生 李嘉偉先生 鍾展強 香港，二零二五年八月八日 於本公佈日期，本公司董事如下： 執行董事： 詹莉莉女士 張 堃先生 ...

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 | | | | | 公司名稱: | 中國金融投資管理有限公司（於香港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 不適用 | | | | FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 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) | 00605 | 說明 | 普通股 | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 209,286,067 | | 0 | | 209,2 ...

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公佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公佈全部或任何 部分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。 中國金融投資管理有限公 司 董事會欣然宣佈，於二零二五年八月一日，深圳領達小貸（作為貸款人）與客戶EZ （作為借款人）訂立貸款協議，據此，深圳領達小貸同意向借款人授出本金金額為人 民幣19,000,000元之貸款，期限為一年。 （於香港註冊成立之有限公司） （股份代號：605） 須予披露交易 提供財務資助 提供財務資助 董事會欣然宣佈，於二零二五年八月一日，深圳領達小貸（作為貸款人）與客戶EZ （作為借款人）訂立貸款協議，據此，深圳領達小貸同意向借款人授出本金金額為 人民幣19,000,000元之貸款，期限為一年。 上市規則之涵義 由於按上市規則第14.07條計算向借款人所授出貸款之適用百分比率超過5%但低 於25%，根據上市規則第14章，授出貸款構成本公司之須予披露交易及須遵守通知 及公佈規定。 1 提供財務資助 下文概述貸款協議之主要條款。 貸款協議 | 協議日期 | ︰ | 二零二五年八月一日 | ...

Financial Performance - For the fiscal year ending December 31, 2024, the company reported interest and financing advisory service revenue of HKD 101,595,000, a decrease of 22.7% compared to HKD 131,473,000 in 2023[7] - The company achieved a profit attributable to owners of HKD 41,232,000, a significant turnaround from a loss of HKD 159,972,000 in the previous year, representing a 125.8% improvement[7] - Basic earnings per share increased to HKD 0.20 from a loss of HKD 0.79, marking a 125.3% change[7] - The total loan amount for the company was approximately HKD 998,071,000, reflecting a year-on-year decline of about 16.3%[15] - The impairment loss provision for receivables was approximately HKD 27,814,000, a substantial decrease of 84.9% compared to the previous year[15] - Interest and fees decreased by approximately 56.4% to about HKD 29,434,000 from HKD 67,449,000 in the previous year due to a reduction in overall borrowings[25] - The company reported a net profit attributable to owners of approximately HKD 41,232,000, a turnaround from a loss of HKD 159,972,000 in the previous year, primarily due to the settlement of unauthorized loans and guarantees, resulting in a reversal of liabilities totaling approximately HKD 170,311,000[30] - General and administrative expenses increased by 11.9% to approximately HKD 122,933,000, with service fees related to settlements amounting to approximately HKD 24,906,000; excluding these fees, expenses decreased by 10.8% to approximately HKD 98,027,000[29] Risk Management - The company will continue to focus on risk management to ensure long-term stability and development amid challenging market conditions[15] - The overall credit quality and mortgage loan balance remained within a reasonable range despite market adjustments[11] - The company actively reviews and manages its capital structure to ensure sustainable operations and reasonable financing costs[32] - The company is exposed to foreign exchange risk due to its assets and liabilities being primarily denominated in RMB and HKD, with approximately HKD 505,151,000 in unauthorized loans and HKD 260,325,000 in cash equivalents subject to currency fluctuations[43] - The board highlighted various risks including market risk, liquidity risk, and credit risk, emphasizing a comprehensive risk management framework to address these challenges[59][60][61][62] Corporate Governance - The company has a commitment to maintaining high standards of corporate governance, with independent directors actively participating in key committees[49] - The board consists of five members, including one executive director and four independent non-executive directors[125] - The company has adopted the corporate governance code as a benchmark for its governance practices[116] - The independent non-executive directors confirmed their independence in accordance with the listing rules[127] - The board is responsible for leading and monitoring the company's affairs and ensuring effective internal controls and risk management systems[130] - The company has established four committees: audit committee, remuneration committee, nomination committee, and business risk committee[136] - The company provides training for directors on corporate governance and related topics[135] - The company has established a whistleblowing policy to handle any criminal cases, which will be reported to the whistleblowing review committee or directly to the board[184] Strategic Focus - The company plans to optimize product structure and enhance service levels in the micro-loan and mortgage loan sectors to better capture industry growth opportunities[12] - The company aims to create long-term, stable returns for shareholders and stakeholders by strengthening asset structure and risk management[12] - The company expects to benefit from the economic development in mainland China by 2025, despite ongoing challenges in the global and domestic economy[17] - The company aims to restore dividend payments to shareholders as soon as sustainable profitability is achieved[17] - The company is focused on expanding its capital market operations and investor relations, as indicated by the appointment of a dedicated investment director[53] Employee and Management - The company has a strong management team with over 20 years of experience in the banking sector, including Zhang Min's extensive background in financial services[48] - The financial management team, led by the CFO, has over 25 years of experience in finance and accounting, ensuring robust financial oversight[53] - The total employee costs for the fiscal year were approximately HKD 49,424,000, reflecting a decrease of about 8.0% compared to the previous year[38] - The employee compensation policy is based on qualifications, industry expertise, and company performance, with potential discretionary bonuses and stock options[76] Shareholder Information - The company has a total of 115,689,012 ordinary shares, with major shareholders holding 55.28% of the issued share capital[91] - Zhang Xiaolin holds 86,003,712 shares and has a spouse's interest in 29,685,300 shares, while Lu Yun holds 25,365,300 shares and has a spouse's interest in 86,003,712 shares[92] - The company did not recommend any final dividends for the fiscal year 2023, indicating a focus on retaining earnings for future growth[67] - The board of directors may propose and/or declare dividends based on the company's financial condition, subject to shareholder approval[194] Environmental, Social, and Governance (ESG) - The company emphasizes sustainable development as a key to ongoing success and integrates this concept into its business strategy[196] - The board meets at least once a year to discuss and formulate overall environmental, social, and governance (ESG) policies and assess potential impacts and risks[197] - A working group composed of employees from relevant departments systematically manages the company's ESG matters and reports to the board at least annually[198] - The ESG report covers business activities in Beijing, Chengdu, Shenzhen, and Hong Kong, with operations in Chongqing terminated since 2023 due to business restructuring[200]

Financial Performance - The company reported a profit attributable to owners of HKD 41,232,000, a significant recovery from a loss of HKD 159,972,000 in the previous year, representing a 125.8% change [4]. - Basic earnings per share improved to HKD 0.20 from a loss of HKD 0.79, marking a 125.3% increase [4]. - Total comprehensive income for the year was HKD 28,543,000, a recovery from a loss of HKD 167,785,000 in the previous year [5]. - The company reported a pre-tax profit of 41,232,000 HKD for 2024, a significant recovery from a loss of 159,972,000 HKD in 2023 [24]. - The group reported a profit attributable to shareholders of approximately HKD 41,232,000, a turnaround from a loss of about HKD 159,972,000 last year, mainly due to the recovery of liabilities related to unauthorized loans [49]. Revenue and Income - Interest and financing advisory service revenue decreased by 22.7% to HKD 101,595,000 from HKD 131,473,000 [3]. - Total revenue for the year 2024 was HKD 101,595,000, a decrease of 22.7% from HKD 131,473,000 in 2023 [15]. - Interest income and service income net amount for 2024 was HKD 72,161,000, compared to HKD 64,024,000 in 2023, reflecting an increase of 11.3% [15]. - Other income for 2024 was HKD 5,067,000, down from HKD 13,637,000 in 2023, representing a decrease of 62.9% [20]. - Interest and fees decreased by approximately 56.4% to about HKD 29,434,000 from last year's HKD 67,449,000, primarily due to a reduction in overall borrowings and loans [45]. Assets and Liabilities - The company's total assets decreased to HKD 1,294,508,000 from HKD 1,617,216,000, while total liabilities also decreased to HKD 985,685,000 from HKD 1,465,548,000 [6]. - The net asset value increased to HKD 733,660,000 from HKD 699,944,000, indicating a strengthening financial position [7]. - Total receivables decreased to 2,140,875,000 HKD in 2024 from 2,363,211,000 HKD in 2023, reflecting a reduction in outstanding loans [25]. - The company's total borrowings decreased to 661,739,000 HKD in 2024 from 1,079,112,000 HKD in 2023, reflecting a reduction in debt levels [29]. - The total liabilities from unauthorized loans decreased to 113,274,000 HKD in 2024 from 254,340,000 HKD in 2023, showing progress in resolving past issues [31]. Impairment and Asset Quality - The company reported a significant reduction in impairment losses on financial instruments, decreasing to HKD 44,206,000 from HKD 181,566,000 [4]. - The impairment loss on receivables was 44,206,000 HKD in 2024, down from 181,566,000 HKD in 2023, indicating improved asset quality [5]. - The impairment loss provision for receivables was approximately HKD 27,814,000, a significant reduction of about 84.9% compared to the previous year [33]. Operational Efficiency and Strategy - The company plans to continue focusing on improving operational efficiency and exploring new market opportunities in the upcoming fiscal year [4]. - The group aims to maintain a reasonable level of non-performing loans, avoiding significant defaults and asset auctions faced by similar institutions [33]. - The group will continue to monitor market trends closely and adopt prudent strategies while strictly controlling operating costs [34]. Customer and Market Insights - The company did not have any single customer contributing more than 10% of revenue in both 2024 and 2023 [19]. - The contribution of revenue from different operating regions showed a significant change, with Beijing's contribution dropping from 36.9% to 27.9% and Hong Kong's increasing from 27.0% to 30.1% [44]. - As of December 31, 2024, the top five customers accounted for 25.1% of the total outstanding balance of the group's loan portfolio [41]. Employee and Administrative Costs - The company’s employee costs decreased to 49,424,000 HKD in 2024 from 53,694,000 HKD in 2023, reflecting cost management efforts [6]. - General and administrative expenses increased by 11.9% to approximately HKD 122,933,000, with service fees related to settlements accounting for HKD 24,906,000 [48]. Governance and Compliance - The internal control review for the fiscal year showed no significant errors in key operational cycles, indicating effective internal control procedures [71]. - The audit committee, composed of four independent non-executive directors, reviewed the annual financial report and confirmed compliance with relevant financial reporting standards [74]. - The company has adopted a code of conduct for directors regarding securities trading, ensuring compliance throughout the reporting period [72]. Future Outlook - The board is optimistic about the group's future development and aims to restore dividend payments to shareholders as soon as sustainable profitability is achieved [34]. - The company has no plans to declare dividends for both years, maintaining a focus on financial recovery [23].

Financial Performance - Interest and financing advisory service revenue decreased by 24.2% to HKD 51,297,000 compared to HKD 67,694,000 in the previous period[22] - The loss attributable to owners of the company narrowed by 84.4% to HKD 18,323,000 from HKD 117,100,000[22] - Basic loss per share improved by 84.5% to HKD (0.09) from HKD (0.58)[22] - The company reported a net loss of HKD 17,915,000 for the six months ended June 30, 2024, a significant improvement compared to a net loss of HKD 115,345,000 for the same period in 2023, representing a reduction of approximately 84.5%[70] - Total revenue for the six months ended June 30, 2024, was HKD 51,297,000, down from HKD 67,694,000 in the same period of 2023, representing a decrease of approximately 24.2%[84] - The company reported a pre-tax loss of HKD 13,919,000, a significant improvement from a loss of HKD 101,688,000 in the same period of 2023, representing a reduction of approximately 86.3%[77] - The company’s total comprehensive expenses for the period amounted to HKD 21,967,000, down from HKD 135,328,000 in the previous year, representing a reduction of approximately 83.8%[70] Loan and Financing Activities - Total new loans issued in the first half of 2024 amounted to HKD 437,270,000, with total loan balance at HKD 1,173,951,000 as of June 30, 2024[25] - The company charges interest and service fees for loans in China at a monthly effective rate ranging from 0.68% to 3.00%, and in Hong Kong from 0.35% to 4.63%[50] - The typical loan term ranges from 90 days to 30 years[50] - The top five customers accounted for 29.4% of the company's outstanding loan balance[50] - As of June 30, 2024, the total receivables from loans amounted to HKD 962,711,000, slightly down from HKD 969,574,000 at the end of 2023[99] - Total borrowings from independent third parties amounted to HKD 985,484,000 as of June 30, 2024, down from HKD 1,079,112,000 as of December 31, 2023[108] Economic Environment - The real estate development investment in mainland China decreased by 10.1% year-on-year to approximately RMB 5.2 trillion in the first half of 2024[24] - The sales area of new residential properties in mainland China dropped by 21.9% year-on-year, with total sales value declining by 26.9%[24] - The GDP growth rate in mainland China for the first half of 2024 was 5%, despite a decrease in overall financing scale by RMB 3.45 trillion compared to the previous year[24] - The Hong Kong economy showed a GDP change rate of 2.7% in Q1 2024, remaining stable compared to the same period in 2023[24] Cost Management - General and administrative expenses decreased by 14.2% to approximately HKD 42,191,000 during the reporting period[54] - The total employee cost during the reporting period was approximately HKD 20,788,000, a decrease of about 15.6% compared to the previous year[61] - Employee costs decreased to HKD 20,788,000 in 2024 from HKD 24,633,000 in 2023, representing a reduction of approximately 15.5%[88] Governance and Compliance - The management plans to enhance governance structure and internal controls to support future development[28] - The audit committee, composed of four independent non-executive directors, reviewed the interim financial results for the six months ending June 30, 2024, and found them compliant with relevant financial reporting standards[149] - The company has adhered to the corporate governance code, except for certain provisions regarding the separation of roles between the chairman and the CEO[145] - The company confirmed that all directors complied with the company's code of conduct during the reporting period[147] Asset Management - The total assets decreased to HKD 1,498,828,000 as of June 30, 2024, down from HKD 1,617,216,000 at the end of 2023, indicating a decline of approximately 7.3%[72] - The company's net asset value decreased to HKD 675,776,000 from HKD 699,944,000, a decrease of about 3.5%[73] - The company's equity attributable to owners decreased to HKD 598,893,000 from HKD 620,714,000, a decrease of approximately 3.5%[73] Impairment and Provisions - The company reported a significant reduction in impairment losses on financial instruments to HKD 9,970,000 from HKD 79,661,000, a decrease of approximately 87.5%[69] - The group recognized a credit impairment provision of HKD 10,246,000 for the six months ended June 30, 2024, compared to HKD 85,332,000 for the same period in 2023, reflecting a significant reduction in provisions[100] Cash Flow and Investments - Operating cash flow for the six months ended June 30, 2024, was HKD 2,468,000, compared to HKD 191,252,000 for the same period in 2023, indicating a decline of approximately 98.7%[79] - The company generated net cash from investing activities of HKD 1,395,000 for the six months ended June 30, 2024, down from HKD 6,208,000 in the prior year, reflecting a decrease of approximately 77.5%[79] - Financing activities resulted in a net cash outflow of HKD 135,105,000 for the six months ended June 30, 2024, compared to an outflow of HKD 152,004,000 in the same period of 2023, showing an improvement of approximately 11.1%[79] Shareholder Information - As of June 30, 2024, the total number of shares held by major shareholders includes 115,689,012 shares, representing 55.28% of the issued share capital[131] - The company did not conduct any equity fundraising activities during the reporting period[139] - The company did not recommend any interim dividend for the period ending June 30, 2023[142]

Financial Performance - Revenue from interest and financing advisory services decreased by 24.2% to HKD 51,297,000 compared to HKD 67,694,000 in the previous year[1] - The loss attributable to the company's owners for the period was HKD 18,323,000, a significant improvement of 84.4% from a loss of HKD 117,100,000 in the same period last year[1] - Basic loss per share improved to HKD (0.09) from HKD (0.58), reflecting an 84.5% reduction in losses[1] - The company reported a pre-tax loss of HKD 13,919,000, an improvement from a loss of HKD 101,688,000 in the previous year[2] - The company reported a pre-tax loss of HKD 18,323,000 for the current period, compared to a loss of HKD 117,100,000 for the same period last year[17] - The company's general and administrative expenses decreased by 14.2% to approximately HKD 42,191,000 during the reporting period[39] - Total employee costs for the reporting period were approximately HKD 20,788,000, a decrease of about 15.6% compared to the previous year[45] Assets and Liabilities - Total assets decreased to HKD 1,498,828,000 from HKD 1,617,216,000, indicating a decline of approximately 7.3%[4] - Current liabilities decreased to HKD 1,325,907,000 from HKD 1,465,548,000, a reduction of about 9.5%[5] - Non-current assets, including goodwill, were valued at HKD 297,967,000, slightly down from HKD 300,073,000[4] - The total equity attributable to the owners of the company decreased to HKD 598,893,000 from HKD 620,714,000, reflecting a decline of about 3.5%[6] - The group’s outstanding borrowings and unsecured bonds were approximately HKD 1,006,047,000, a decrease of about 11.1% compared to the same period last year[41] Cash Flow and Receivables - The net cash and cash equivalents decreased to HKD 320,724,000 from HKD 453,927,000, a decline of approximately 29.2%[4] - As of June 30, 2024, the total receivables amounted to HKD 2,342,347,000, a slight decrease from HKD 2,363,211,000 as of December 31, 2023[19] - The overdue receivables balance as of June 30, 2024, was HKD 622,748,000, down from HKD 636,615,000 as of December 31, 2023, with HKD 565,173,000 overdue for more than 90 days[20] - The company made a credit impairment provision of HKD 10,246,000 for receivables in the six months ending June 30, 2024, significantly lower than HKD 85,332,000 for the same period in 2023[20] - The interest receivables balance as of June 30, 2024, was HKD 5,361,000, compared to HKD 6,199,000 as of December 31, 2023[24] - The overdue interest receivables totalled HKD 3,476,000 as of June 30, 2024, down from HKD 4,520,000 as of December 31, 2023, with HKD 2,399,000 overdue for more than 90 days[25] Revenue Sources - Net interest income and service income for the period was HKD 29,733,000, an increase of 56% from HKD 19,021,000 in the previous year[10] - Other income for the six months ended June 30, 2024, was HKD 1,918,000, down 62% from HKD 5,103,000 in 2023[12] - Interest and financing advisory service revenue for the six months ended June 30, 2024, was approximately HKD 51,297,000, a decrease of about 24.2% compared to HKD 67,694,000 in the same period last year[36] Economic and Market Conditions - The mortgage loan business accounts for 68.2% of the group's total revenue, significantly influenced by the macroeconomic and real estate conditions in mainland China[29] - The real estate development investment in mainland China for the first half of 2024 was approximately RMB 5.2 trillion, a year-on-year decrease of 10.1%[29] - The Hong Kong economy showed a GDP growth rate of 2.7% in Q1 2024, remaining stable compared to the same period in 2023[29] Governance and Future Plans - The group aims to maintain overall business stability while actively seeking new growth opportunities amid a complex economic environment[30] - The group plans to optimize its governance structure and internal controls to support future development[32] - The group is focused on expanding its business in key cities such as Beijing, Chengdu, and Shenzhen, which have shown resilience and development potential[31] Compliance and Corporate Actions - The company did not declare or propose any interim dividends for the current or previous periods[18] - The board does not recommend any interim dividend for the reporting period[53] - The audit committee reviewed the interim results and confirmed compliance with relevant financial reporting standards[57] - The company has not made any significant changes to its financial risk management policies during the reporting period[9] - There have been no significant events occurring after the reporting period up to the announcement date[54]