Financial Performance - Revenue for the six months ended June 30, 2025, was RMB 404,850,000, a decrease of 23.0% compared to RMB 526,088,000 for the same period in 2024[3] - Gross profit for the same period was RMB 102,043,000, down 25.7% from RMB 137,260,000, resulting in a gross margin of 25.2%, a decline of 0.9 percentage points[4] - Net profit for the period was RMB 11,436,000, a significant decrease of 74.9% from RMB 45,620,000 in the previous year[5] - The company reported a loss attributable to owners of the company of RMB 5,412,000, compared to a profit of RMB 30,716,000 in the prior period[4] - Basic and diluted earnings per share were RMB (0.94), compared to RMB 5.20 for the same period last year[4] - Total comprehensive income for the period was RMB 11,766,000, down from RMB 57,343,000 in the previous year[5] - The pre-tax profit for the six months ended June 30, 2025, was RMB (5,412,000), compared to RMB 30,716,000 for the same period in 2024[22] - Operating profit for the six months ended June 30, 2025, was approximately RMB 15,958,000, a decrease of about RMB 41,971,000 or 72.5% from RMB 57,929,000 for the same period in 2024[80] - The pre-tax profit was approximately RMB 13,874,000, a decrease of about RMB 41,592,000 or 75.0% compared to RMB 55,466,000 for the same period in 2024[82] - The net profit for the six months ended June 30, 2025, was approximately RMB 11,436,000, a decrease of about RMB 34,184,000 or 74.9% from RMB 45,620,000 for the same period in 2024[84] Revenue Breakdown - Sales of pharmaceuticals amounted to RMB 266,154,000, down 25.3% from RMB 356,306,000 in the previous year[13] - Medical equipment sales increased to RMB 118,398,000, up 3.4% from RMB 113,906,000 in the prior year[13] - The pharmaceutical distribution segment recorded sales of RMB 266.2 million, representing a year-on-year decrease of 25.3% due to a 15% decline in the Chinese urban OTC market[30] - The sales of the flagship product, Laba Brand Zhenglu Pills, increased significantly by 443.2% during the reporting period, indicating strong market potential despite supply chain challenges[31] - The sales of Jinhua Yima Da Zhenhonghua Oil reached RMB 21.5 million, showing a slight decline of 10.6% year-on-year due to overall industry pressures[32] - The newly launched Foci Jinhua Angong Niuhuang Pills achieved sales of RMB 1.5 million, with a remarkable year-on-year growth of 315.4%[34] Assets and Liabilities - Non-current assets as of June 30, 2025, totaled RMB 816,911,000, an increase from RMB 807,800,000 at the end of December 2024[6] - Current liabilities amounted to RMB 510,138,000, slightly decreased from RMB 514,868,000 at the end of December 2024[7] - The company's total equity was RMB 699,010,000, a slight decrease from RMB 705,532,000 at the end of December 2024[7] - Trade receivables and notes receivable, net of credit loss provisions, amounted to RMB 160,072,000 as of June 30, 2025, compared to RMB 157,724,000 at the end of 2024[27] - As of June 30, 2025, total accounts payable amounted to RMB 156.34 million, a decrease from RMB 214.06 million as of December 31, 2024[28] Research and Development - The company incurred research and development costs of RMB 8,492,000, an increase from RMB 6,742,000 in the previous year[16] - The company is set to launch a new probiotic product developed in collaboration with Hong Kong University of Science and Technology, aimed at addressing gut health issues among young professionals and the elderly[50] - A collaboration with a senior professor team from a university is planned to develop health products based on traditional Chinese medicine, focusing on key technologies such as active ingredient extraction and quality standards[54] Marketing and Brand Strategy - The company launched a nationwide marketing campaign during key festivals, including a large-screen advertisement during the Spring Festival, to deepen emotional connections with consumers[39] - The company set up "Gaokao Guardian Stations" during the national college entrance examination, effectively increasing brand exposure and public recognition[40] - A total of 22 promotional events were organized for Mother's Day, and 8 events were held during the "Learn from Lei Feng" month, integrating brand care into consumers' daily lives[41] - The company established 400 flagship stores for "Jin Huo Pai Yi Ma Da Zheng Hong Hua You," significantly enhancing brand visibility and high-end image[38] - The company has enhanced its brand exposure by sponsoring professional sports events, significantly increasing brand recall among target consumers[48] Social Responsibility - The company donated nearly RMB 3 million worth of Jinfuke Capsules to various charitable organizations, enhancing brand recognition and social impact[35] - The group contributed over RMB 680,000 in cash and medical supplies to support earthquake relief efforts in Shigatse, Tibet[71] - The group continues to promote social responsibility initiatives, including educational support and health-related donations, to enhance community well-being[72] Strategic Initiatives - The company plans to deepen upstream cooperation and explore new product forms and specifications to drive future growth[29] - The company aims to leverage its terminal network advantages to accelerate the introduction of new products and enhance performance growth[29] - The company is expanding its market share through collaborations, such as the partnership with Qihuang Pharmaceutical for the exclusive marketing of a proprietary product targeting elderly consumers[44] - The company is in strategic discussions with a leading European herbal therapy manufacturer to develop products focused on joint health, sleep improvement, and immune enhancement, aiming to capture growth opportunities in the health market[53] Compliance and Governance - The company has adopted the standard code of conduct for securities trading as per the listing rules, confirming compliance by all directors during the reporting period[115] - The Nomination Committee was established on November 5, 2010, with four members, and the terms of reference were revised on June 30, 2025[116] - The Audit Committee, also established on November 5, 2010, is responsible for overseeing financial reporting and internal controls, with four members during the reporting period[117] - The company’s financial statements for the six months ending June 30, 2025, were reviewed by the Audit Committee, confirming adherence to current accounting standards[118] Employee Development - The group has implemented a comprehensive talent development system, with nearly 1,000 training sessions conducted to enhance professional skills and management capabilities[68] - The group actively recruited professional talent, including management accounting positions, to enable more precise analysis of operational costs and optimize resource allocation[69] - The company emphasizes a "people-oriented" management philosophy, actively building platforms for employee development and performance evaluation[108]

Core Insights - The article highlights the challenges faced by banks in providing on-site salary card services, particularly the issues of rushed processes and insufficient fraud awareness education [1] - Guangfa Bank's Hangzhou Chun'an branch has introduced an integrated service model that combines salary card opening with anti-fraud education to enhance employee experience and security awareness [1] Service Model - The service area is divided into two functional zones: "Card Opening Service Area" and "Anti-Fraud Education Area," utilizing a "group rotation + self-selection" approach to improve efficiency and safety education [2] - The Card Opening Service Area is equipped with mobile terminals and professionals to facilitate identity verification, information entry, and card activation for employees [2] - The Anti-Fraud Education Area features interactive displays, multimedia equipment, and consultation desks, employing case studies, scenario simulations, and interactive games for fraud education [2] Employee Engagement - Employees are organized in groups to enter the Card Opening Area, and after completing the card application, they proceed to the Anti-Fraud Area to avoid knowledge gaps [2] - For employees with more time or a strong interest in anti-fraud knowledge, they can choose to visit the Anti-Fraud Area first, engaging in interactive games before moving to the Card Opening Area, thus reducing waiting anxiety [2] - A "mobile service post" is set up to address account usage questions and coordinate group ratios, guiding employee flow [2]

金活医药集团预期2025年上半年溢利将同比减少约70%至75%，公司拥有人应占溢利转为亏损约人民币 450万元。董事会认为，业绩下滑主要归因于品牌进口医药及保健产品的中国分销业务毛利下降约50% 至55%，这是由于市场需求放缓所致。 ...

Core Viewpoint - Kingworld Medicines Group (01110) expects a significant decline in profit for the first half of 2025, projecting a year-on-year decrease of approximately 70% to 75% compared to a profit of 45.6 million yuan in the first half of 2024 [1] Financial Performance - The company anticipates a loss attributable to shareholders of approximately 4.5 million yuan for the first half of 2025, while projecting a profit attributable to shareholders of about 30.7 million yuan for the first half of 2024 [1] Business Operations - The board attributes the decrease in profit primarily to a reduction in gross profit of approximately 50% to 55% from its Chinese distribution business for imported pharmaceutical and health products, which is due to a slowdown in market demand for these products [1] - This decline in gross profit is partially offset by an increase in gross profit of about 10% to 15% from Shenzhen Dongdixin Technology Co., Ltd [1]

Core Viewpoint - The company, JinHuo Pharmaceutical Group, anticipates a significant decline in profits for the first half of 2025, projecting a decrease of approximately 70% to 75% compared to the same period in 2024, where profits were reported at 45.6 million yuan [1] Financial Performance - For the first half of 2024, the company reported a profit attributable to owners of approximately 30.7 million yuan [1] - The company expects a loss attributable to owners of about 4.5 million yuan for the first half of 2025 [1] Business Operations - The board attributes the profit decline primarily to a reduction in gross margins of about 50% to 55% in the Chinese distribution business for imported pharmaceutical and health products, driven by a slowdown in market demand [1] - This decline in gross margin is partially offset by an increase in gross margin of approximately 10% to 15% from Shenzhen Dongdixin Technology Co., Ltd [1]

本公司董事（「董事」）會（「董事會」）謹此知會本公司股東（「股東」）及潛在投資 者，基於本集團截至二零二五年六月三十日止六個月（「本期間」）之未經審核綜合 管理賬目及董事會目前可得的資料之初步評估，本集團預期本期間之本集團溢利 將較截至二零二四年六月三十日止六個月（「前期間」）之人民幣45.6百萬元減少約 70%至75%。 董事會認為本集團溢利減少主要是由於從事品牌進口醫藥及保健產品的中國分銷 業務之毛利減少約50%至55%，主要由於相關產品之需求在市場有所放緩所致。 此減少惟部分給深圳市東迪欣科技有限公司（「東迪欣」）之毛利增加約10%至15% 抵銷所致。 東迪欣，本公司之非全資附屬公司，是一家生產各種醫療設備，包括紅外線探熱 器、手持電動物理治療及復康產品系列的製造商。 基於上文所述，本集團預期與前期間錄得本公司擁有人應佔溢利約人民幣30.7百 萬元相比，本集團本期間將錄得本公司擁有人應佔虧損約人民幣4.5百萬元。 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告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損 ...

格隆汇8月14日丨金活医药集团(01110.HK)公告，谨定于2025年8月27日星期三于香港九龙荔枝角道808 号好运工业中心6楼613室会议室举行董事会会议，目的为审议并批准集团截至2025年6月30日止6个月未 经审计中期业绩及建议派付中期股息(如有)，并处理任何其他事项。 ...

承董事會命 金活醫藥集團有限公司 主席 趙利生 香港，二零二五年八月十四日 於本通告日期，執行董事為趙利生先生、陳樂燊女士及周旭華先生；獨立非執行董事為段繼東 先生、黃焯琳先生及儲小平博士。 董事會會議通告 金活醫藥集團有限公司（「本公司」，及其附屬公司，統稱「本集團」）之董事（「董 事」）會（「董事會」）茲通告，謹定於二零二五年八月二十七日星期三於香港九龍荔 枝角道808號好運工業中心6樓613室會議室舉行董事會會議，目的為審議並批准 本集團截至二零二五年六月三十日止六個月之未經審計中期業績及建議派付中期 股息（如有），並處理任何其他事項。 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告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 ...

Group 1 - The company has signed a sales agreement with Guangfa Bank and Ping An Bank to sell its fund starting from August 11, 2025 [1][5] - The fund involved is the Invesco Great Wall CSI Hong Kong Stock Connect Innovative Drug ETF Linked Fund [1] - Investors can inquire about details through the company's customer service or the respective banks' websites [3] Group 2 - The company offers a regular investment plan where investors can set up automatic deductions for fund purchases [2] - If the banks open conversion services for the fund, investors must ensure the funds are in redeemable and purchasable states before proceeding [2] - The company may provide fee discounts for one-time or regular investment purchases, subject to the banks' arrangements [2] Group 3 - The company has issued a risk warning regarding the significant premium of its Nasdaq Technology Weighted ETF in the secondary market [5] - If the premium does not decrease effectively by August 11, 2025, the company may apply for temporary trading suspension to alert the market [5] - The fund's trading price is influenced by market supply and demand, systemic risks, and liquidity risks, which may lead to potential losses for investors [5][6]

按照相关规定，各大银行推出信用卡，通常有以下几种还款方式：最低还款，指只需偿还账单上规 定的最低金额，但隐藏着较高的利息成本；分期还款，通常会有年化利率超过10%以上的手续费；全额 还款，这种还款方式在免息期内不收取任何利息。 此外，信用卡提现与刷卡消费存在本质区别，刷卡消费有免息期，但是取现不仅需要支付手续费， 还可能叠加高额利息。 7月16日，广发银行信用卡中心有关负责人回应中新经纬，目前该行已根据行内最新容时政策为客 户提供了减免方案。 在黑猫投诉 【下载黑猫投诉客户端】平台，信用卡相关投诉量已突破39万条，除了逾期利息费用 复杂外，分期和取现等利息成本高等问题成为了信用卡收费投诉的主要问题。 "从未逾期，为啥会产生利息？" 据中新经纬，近日，家住广州的周女士反映，她的广发银行信用卡6年里总共被收取了1.2万利息。 7月15日，广发银行信用卡中心工作人员称，假设还款日是每月7日，在7日当天23：00前还款，正 常情况下是8日到账不会产生利息，23：00后还款就会导致9日才能到账，会产生违约金和消费利息。但 在周女士看来，即便是还款次日或再顺延一日还款到账，也应该有"宽限期"。 2024年5月，中国银行业 ...