FF301 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10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: 大眾金融控股有限公司 (於百慕達註冊成立的有限公司) 呈交日期: 2025年11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) | 00626 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | ...

1. 最少每年檢討大眾金融控股有限公司（「本公司」）的董事會（「董事會」） 的架構、規模及組成（包括技能、知識和經驗）一次，協助董事會編製董事會 技能表，並就董事會作出任何的變動提出建議。 2. 物色合適人選出任本公司董事會成員、行政總裁及高級管理人員，並建議合適 人士出任及連任本公司董事，以及出任行政總裁及高級管理人員。 3. 就董事、行政總裁及高級管理人員的提名政策、繼任計劃及任何相關事宜提出 建議。 4. 通過進行年度自我評估，檢討董事會、董事委員會、董事會成員及高級管理人 員的效率和有效性。 5. 向董事會就董事、行政總裁及高級管理人員薪酬的薪酬政策及架構作出檢討及 建議，並設立正規和具透明度的程序，以制定薪酬政策。 6. 因應董事會所訂方針及目標而檢討管理層的薪酬建議。 1. 委員會成員須由不少於三位由董事會委任的非執行董事組成。委員會過半數成 員須為獨立非執行董事（「獨立非執行董事」）。 2. 委員會須由獨立非執行董事出任主席。 3. 本公司董事一旦被委任為委員會成員，在身任本公司董事期間，將繼續擔任委 員會成員；而其委任期將直至其終止或辭任委員會成員。惟董事會可隨時終止 任何委員會成員的委任。 ...

大眾金融控股有限公司 1. 最少每年檢討大眾金融控股有限公司（「本公司」）的董事會（「董事會」） 的架構、規模及組成（包括技能、知識和經驗）一次，協助董事會編製董事會 技能表，並就董事會作出任何的變動提出建議。 2. 物色合適人選出任本公司董事會成員、行政總裁及高級管理人員，並建議合適 人士出任及連任本公司董事，以及出任行政總裁及高級管理人員。 3. 就董事、行政總裁及高級管理人員的提名政策、繼任計劃及任何相關事宜提出 建議。 4. 通過進行年度自我評估，檢討董事會、董事委員會、董事會成員及高級管理人 員的效率和有效性。 5. 向董事會就董事、行政總裁及高級管理人員薪酬的薪酬政策及架構作出檢討及 建議，並設立正規和具透明度的程序，以制定薪酬政策。 6. 因應董事會所訂方針及目標而檢討管理層的薪酬建議。 1. 委員會成員須由不少於三位由董事會委任的非執行董事組成。委員會過半數成 員須為獨立非執行董事（「獨立非執行董事」）。 2. 委員會須由獨立非執行董事出任主席。 3. 本公司董事一旦被委任為委員會成員，在身任本公司董事期間，將繼續擔任委 員會成員；而其委任期將直至其終止或辭任委員會成員。惟董事會可隨時終止 任 ...

FF301 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9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 大眾金融控股有限公司 (於百慕達註冊成立的有限公司) 呈交日期: 2025年10月3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) | 00626 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | 本 ...

FF301 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8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: 大眾金融控股有限公司 (於百慕達註冊成立的有限公司) 呈交日期: 2025年9月2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) | 00626 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | 本月 ...

各位非登記股東 1 ： （於百慕達註冊成立的有限公司） （股份代號：626） 於本公司網站登載公司通訊之通知 此通知 閣下大眾金融控股有限公司（「本公司」）之下述公司通訊2 （「本次公司通訊」） 之中、英文版本現已登 載於本公司網站www.publicfinancial.com.hk（「本公司網站」）及香港聯合交易所有限公司（「聯交所」）網站 www.hkexnews.hk（「聯交所網站」）以供閱覽： • 中期報告 2025 閣下現可於本公司網站「投資者關係」一節下或聯交所網站內讀取本次公司通訊。若 閣下早前曾要求收取公司通訊的 印刷本，本次公司通訊的印刷本已隨函附上。 承董事會命 大眾金融控股有限公司 公司秘書 陳秀娟 為了方便利用電子郵件進行電子通訊，本公司建議非登記股東向代其持有股份的銀行、經紀、託管商或代理人（統稱 「中介機構」）提供其有效的電郵地址。如本公司沒有收到 閣下的中介機構透過香港中央結算（代理人）有限公司提 供 閣下有效的電郵地址或郵寄地址，本公司將不會向 閣下發送於本公司網站登載公司通訊之通知。 若 閣下希望收取本次公司通訊及╱或所有日後公司通訊之印刷版本，請填妥並簽署隨附之申請表格並交 ...

（於百慕達註冊成立的有限公司） （股份代號：626） 各位登記股東： 於本公司網站登載公司通訊之通知 謹此通知 閣下大眾金融控股有限公司（「本公司」）之下述公司通訊1（「本次公司通訊」）之中、英文版本現已 登載於本公司網站www.publicfinancial.com.hk（「本公司網站」）及香港聯合交易所有限公司（「聯交所」）網 站www.hkexnews.hk（「聯交所網站」）以供閱覽： • 中期報告2025 閣下現可於本公司網站「投資者關係」一節下或聯交所網站內讀取本次公司通訊。若 閣下早前曾要求收取公司通 訊的印刷本，本次公司通訊的印刷本已隨函附上。 為了方便利用電子郵件發送電子通訊，本公司建議 閣下向本公司在香港的股份過戶登記分處卓佳證券登記有限公 司（「香港股份過戶登記分處」）（地址為香港夏慤道16號遠東金融中心17樓）發出（不少於7天）合理書面通知 ，或發送電子郵件至is-ecom@vistra.com，向本公司提供 閣下的電郵地址。 謹此提醒股東有責任向本公司提供有效的電郵地址。若本公司沒有獲取 閣下的電郵地址或 閣下所提供的電郵地 址無效，本公司將透過郵寄方式向 閣下發送(i) 於本公司網站 ...

（於百慕達註冊成立之有限公司） 股份代號：626 卓越表現 是我們的承諾 互相關顧 追求卓越 彼此信賴 維護道德及 提倡廉正 嚴守紀律 審慎而行 (Incorporated in Bermuda with limited liability) Stock Code: 626 2025 Interim Report CARING EXCELLENCE TRUST ETHICS & INTEGRITY DISCIPLINE PRUDENCE EXCELLENCE is our Commitment 2025 中期報告 PUBLIC FINANCIAL HOLDINGS LIMITED 大眾金融控股有限公司 INTERIM REPORT 2025 中期報告 大眾金融控股有限公司 中期報告2025 目錄 2 公司資料 3 簡明綜合收益表 4 簡明綜合全面收益表 5 五年財務摘要 6 簡明綜合財務狀況表 8 簡明綜合權益變動表 9 簡明綜合現金流量表 11 中期財務報表附註 70 管理層討論及分析 75 其他資料 中期報告2025 公司資料 董事會 非執行主席 賴雲 執行董事 鍾炎強 非執行董事 拿督鄭國謙 柯寶傑 L ...

FF301 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: 大眾金融控股有限公司 (於百慕達註冊成立的有限公司) 呈交日期: 2025年8月6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) | 00626 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 2,000,000,000 | HKD | | 0.1 HKD | | 200,000,000 | 本月 ...

[Financial Statements Overview](index=1&type=section&id=Financial%20Statements) [Condensed Consolidated Income Statement](index=1&type=section&id=Condensed%20Consolidated%20Income%20Statement) The Group achieved a turnaround to a net profit of **HKD 2.57 million** for the six months ended June 30, 2025, driven by a 12.7% increase in net interest income and a 31.1% rise in net fee and commission income | Metric | Six Months Ended June 30, 2025 (HKD thousands) | Six Months Ended June 30, 2024 (HKD thousands) | Y-o-Y Change | | :--- | :--- | :--- | :--- | | Net Interest Income | 530,513 | 470,710 | +12.7% | | Net Fee and Commission Income | 138,802 | 105,872 | +31.1% | | Operating Income | 685,161 | 593,909 | +15.4% | | Operating Expenses | (465,183) | (432,844) | +7.5% | | Credit Loss Expense | (155,870) | (164,303) | -5.1% | | Profit/(Loss) Before Tax | 17,956 | (27,605) | Turnaround to Profit | | **Profit/(Loss) for the Period** | **2,567** | **(34,493)** | **Turnaround to Profit** | | Basic Earnings Per Share (HKD) | 0.002 | (0.031) | Turnaround to Profit | [Condensed Consolidated Statement of Comprehensive Income](index=3&type=section&id=Condensed%20Consolidated%20Statement%20of%20Comprehensive%20Income) Total comprehensive income for the period significantly improved to **HKD 59.8 million** from a loss of **HKD 61.06 million** in the prior year, driven by the period's profit turnaround and positive changes in debt securities and exchange differences - Other comprehensive income for the period recorded **HKD 57.23 million**, compared to a loss of **HKD 26.57 million** in the prior year, due to improved net gains on debt securities investments and exchange differences[4](index=4&type=chunk) - Total comprehensive income attributable to owners turned from a loss of **HKD 61.06 million** in the prior year to a gain of **HKD 59.8 million**, combining profit for the period and other comprehensive income[4](index=4&type=chunk) [Condensed Consolidated Statement of Financial Position](index=4&type=section&id=Condensed%20Consolidated%20Statement%20of%20Financial%20Position) As of June 30, 2025, total assets increased by 1.7% to **HKD 43.59 billion**, driven by growth in customer loans and debt securities, with total liabilities also rising to **HKD 35.85 billion** due to increased customer deposits | Key Balance Sheet Items | June 30, 2025 (HKD thousands) | December 31, 2024 (HKD thousands) | Change | | :--- | :--- | :--- | :--- | | Customer Loans and Advances | 24,615,452 | 24,192,793 | +1.7% | | Debt Securities Investments | 8,389,808 | 6,624,576 | +26.6% | | **Total Assets** | **43,589,772** | **42,843,996** | **+1.7%** | | Customer Deposits | 33,229,927 | 32,173,517 | +3.3% | | **Total Liabilities** | **35,851,219** | **35,143,279** | **+2.0%** | | **Total Equity** | **7,738,553** | **7,700,717** | **+0.5%** | [Condensed Consolidated Statement of Changes in Equity](index=6&type=section&id=Condensed%20Consolidated%20Statement%20of%20Changes%20in%20Equity) Total shareholders' equity slightly increased to **HKD 7.74 billion** as of June 30, 2025, primarily due to the period's profit and other comprehensive income, partially offset by declared dividends - Dividends declared during the period amounted to **HKD 21.96 million**[7](index=7&type=chunk) - Shareholders' equity increased by approximately **0.5%** from **HKD 7.70 billion** at the beginning of the period to **HKD 7.74 billion** at the end of the period[7](index=7&type=chunk) [Notes to the Interim Financial Statements](index=7&type=section&id=Notes%20to%20the%20Interim%20Financial%20Statements) [Note 5: Segment Information](index=12&type=section&id=Note%205%3A%20Segment%20Information) The Group's primary business segments are Retail and Commercial Banking, Wealth Management, and Other Businesses, with Retail and Commercial Banking contributing **87.7%** of operating income, while wealth management and securities services saw significant growth | Operating Segment | Operating Income (H1 2025, HKD thousands) | Operating Income (H1 2024, HKD thousands) | Profit/(Loss) Before Tax (H1 2025, HKD thousands) | Profit/(Loss) Before Tax (H1 2024, HKD thousands) | | :--- | :--- | :--- | :--- | :--- | | Retail and Commercial Banking | 601,019 | 536,807 | 26,432 | (30,611) | | Wealth Management Services, Stockbroking and Securities Management | 73,025 | 46,643 | 33,849 | 22,326 | | Other Businesses | 11,117 | 10,459 | (42,325) | (19,320) | | **Total** | **685,161** | **593,909** | **17,956** | **(27,605)** | - Geographically, Hong Kong contributed the vast majority of revenue, accounting for **94.7%** of the total[26](index=26&type=chunk) [Note 10: Credit Loss Expense](index=19&type=section&id=Note%2010%3A%20Credit%20Loss%20Expense) Credit loss expense for the period decreased by **5.1%** to **HKD 156 million**, primarily driven by credit losses on customer loans, with a significant portion attributed to credit-impaired (Stage 3) loans | Financial Instrument | Credit Loss Expense (H1 2025, HKD thousands) | Credit Loss Expense (H1 2024, HKD thousands) | | :--- | :--- | :--- | | Customer Loans | 155,558 | 139,835 | | Others | 312 | 24,468 | | **Total** | **155,870** | **164,303** | [Note 12: Dividends](index=22&type=section&id=Note%2012%3A%20Dividends) The Board declared an interim dividend of **HKD 0.02** per ordinary share for the year ending December 31, 2025, with no interim dividend paid in the prior corresponding period - An interim dividend of **HKD 0.02** per share was declared, totaling **HKD 21.96 million**[39](index=39&type=chunk) - The dividend will be paid on August 1, 2025[68](index=68&type=chunk) [Note 14: Customer Loans and Advances](index=23&type=section&id=Note%2014%3A%20Customer%20Loans%20and%20Advances) Total customer loans and advances increased by **1.9%** to **HKD 25.01 billion**, but asset quality deteriorated with credit-impaired loans significantly rising from **HKD 546 million** to **HKD 772 million**, increasing their proportion of total loans from **2.23%** to **3.10%** | Loan Status | June 30, 2025 (HKD thousands) | December 31, 2024 (HKD thousands) | | :--- | :--- | :--- | | Neither Past Due Nor Impaired | 23,565,407 | 23,356,203 | | Past Due But Not Impaired | 659,257 | 622,579 | | Credit Impaired | 789,434 | 563,254 | | **Total** | **25,014,098** | **24,542,036** | - The proportion of total past due and credit-impaired customer loans to total customer loans increased from **2.23%** to **3.10%**[44](index=44&type=chunk) - Total loans classified as 'non-performing' (substandard, doubtful, loss) based on internal credit ratings increased from **HKD 563 million** to **HKD 789 million**[54](index=54&type=chunk) [Note 17: Off-balance-sheet Exposures](index=38&type=section&id=Note%2017%3A%20Off-balance-sheet%20exposures) As of June 30, 2025, the Group's total contractual amount of contingent liabilities, commitments, and derivative instruments remained stable at approximately **HKD 3.30 billion**, with unconditionally cancellable commitments forming the largest portion at **HKD 2.61 billion** | Item | June 30, 2025 (Contractual Amount, HKD thousands) | December 31, 2024 (Contractual Amount, HKD thousands) | | :--- | :--- | :--- | | Contingent Liabilities and Commitments | 35,210 | 132,190 | | Derivatives Held for Trading | 547,292 | 744,108 | | Other Commitments | 2,714,337 | 2,422,395 | | **Total** | **3,296,839** | **3,298,693** | [Management Discussion and Analysis](index=42&type=section&id=Management%20Discussion%20and%20Analysis) [Overview and Financial Review](index=42&type=section&id=Overview%20and%20Financial%20Review) Despite a challenging economic environment in Hong Kong, the Group achieved a turnaround to a post-tax profit of **HKD 2.6 million** in H1 2025, driven by a **12.7%** increase in net interest income and a **25.5%** rise in non-interest income, though asset quality remains under pressure - The Group operated cautiously amidst a challenging environment characterized by slow economic recovery and rising business closures and bankruptcies[69](index=69&type=chunk) - The Group turned from a loss of **HKD 34.5 million** in the prior year to a profit of **HKD 2.6 million**[71](index=71&type=chunk) - Key drivers for improved performance included a **HKD 59.8 million** (**+12.7%**) increase in net interest income and a **HKD 31.4 million** (**+25.5%**) rise in non-interest income[71](index=71&type=chunk) [Business Review](index=44&type=section&id=Business%20Review) The Group's core subsidiaries showed mixed performance, with Public Bank (Hong Kong) achieving loan and deposit growth and a profit turnaround despite a significant rise in impaired loans, while Public Finance experienced a sharp profit decline due to increased credit losses on unsecured personal loans [Public Bank (Hong Kong)](index=44&type=section&id=Public%20Bank%20%28Hong%20Kong%29) - Total customer loans grew by **2.9%** to **HKD 19.35 billion**, and customer deposits increased by **4.1%** to **HKD 29.08 billion**[76](index=76&type=chunk) - The ratio of impaired customer loans to total customer loans significantly increased from **1.95%** to **3.02%**[76](index=76&type=chunk) - A profit of **HKD 38.4 million** was recorded, compared to a loss of **HKD 4.1 million** in the prior year[76](index=76&type=chunk) [Public Finance](index=44&type=section&id=Public%20Finance) - Total customer loans decreased by **1.5%** to **HKD 5.11 billion**, and customer deposits fell by **2.2%** to **HKD 4.18 billion**[77](index=77&type=chunk) - Profit decreased by **69.1%** to **HKD 2 million**, primarily due to increased credit loss expense on unsecured personal loans[77](index=77&type=chunk) [Funding and Capital Management](index=46&type=section&id=Funding%20and%20Capital%20Management) The Group maintains a robust funding and capital position, primarily relying on internal capital growth and customer deposits, with Public Bank (Hong Kong) Group's consolidated Common Equity Tier 1 and total capital ratios at **26.8%** and **27.6%** respectively, well above regulatory requirements - The Group primarily relies on internal capital growth, customer deposits, and deposits from financial institutions to fund its operations[83](index=83&type=chunk) - The asset-to-liability ratio (bank loans/equity) is at a healthy level of **0.20x**[83](index=83&type=chunk) | Capital Adequacy Ratios (Public Bank (Hong Kong) Group) | June 30, 2025 | | :--- | :--- | | Consolidated Common Equity Tier 1 Capital Ratio | 26.8% | | Total Capital Ratio | 27.6% | [Asset Quality and Credit Management](index=46&type=section&id=Asset%20Quality%20and%20Credit%20Management) The Group's asset quality is under pressure due to a challenging operating environment and weak asset prices, with the ratio of impaired customer loans to total customer loans increasing from **2.2%** to **3.1%**, necessitating continued prudent credit risk management - The ratio of impaired customer loans to total customer loans increased by **0.9** percentage points from **2.2%** as of December 31, 2024, to **3.1%** as of June 30, 2025[85](index=85&type=chunk) [Outlook](index=47&type=section&id=Outlook) Management anticipates slow economic recovery with uncertain prospects due to geopolitical and trade issues, limiting loan growth, while the Group will pursue prudent capital and risk management, seek profitable loan growth, diversify income through fee-based businesses, and advance digital transformation - Slow economic recovery is anticipated, but the outlook remains highly uncertain due to geopolitical and international trade issues, which will limit loan growth[88](index=88&type=chunk) - Strategic priorities include: prudent capital and liquidity risk management; seeking profitable loan growth while managing funding costs; diversifying income through fee-based businesses like stockbroking and insurance; and advancing digital transformation to enhance efficiency, such as launching an upgraded mobile banking application[88](index=88&type=chunk)[89](index=89&type=chunk) - The Group has set sustainability goals: achieving Scope 1 and Scope 2 carbon neutrality by 2030, and net-zero carbon emissions by 2050[89](index=89&type=chunk) [Corporate Governance and Other Information](index=48&type=section&id=Corporate%20Governance%20%26%20Other%20Information) [Corporate Governance and Audit Committee Review](index=48&type=section&id=Corporate%20Governance%20and%20Audit%20Committee%20Review) The company confirmed compliance with the Corporate Governance Code during the reporting period, and the unaudited interim results were reviewed by the Audit Committee, comprising three independent non-executive directors and two non-executive directors - During the reporting period, neither the company nor its subsidiaries purchased, sold, or redeemed any of the company's listed shares[91](index=91&type=chunk) - The Board confirmed compliance with the Corporate Governance Code as set out in Appendix C1 of the Listing Rules[92](index=92&type=chunk) - These interim results have been reviewed by the Audit Committee[93](index=93&type=chunk)