Hong Kong Finance *香 港 信 貸 香 港 信 貸 集 團 有 限 公 司 Hong Kong Finance Group Limited (Incorporated in the Cayman Islands with I mited liability) Stock Code: 1273 《於開曼群奧註冊成立之有限公司〕股份代號：1273 00 00 00 000 000 000 00 2024 中期報告 Interim Report | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------|---------------------------------------------------------------------|----------|-------|---------------------------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | ...

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。 截至9月30日止六個月 2024年 2023年 附註 千港元 千港元 （未經審核） （未經審核） 利息收入 4, 5 82,959 73,154 利息開支 8 (9,157) (10,718) 利息收入淨額 73,802 62,436 其他收入 5 717 636 重估投資物業之公平值虧損 (900) (2,300) 應收貸款及利息之減值虧損淨額 6 (9,017) (3,616) 收回資產之減值虧損淨額 (1,560) (444) 其他經營開支 7 (33,408) (31,407) 經營溢利 29,634 25,305 分佔合營企業之業績 89 188 除所得稅前溢利 29,723 25,493 所得稅開支 9 (5,364) (4,784) 期間溢利及全面收入總額 24,359 20,709 溢利之每股盈利 －基本及攤薄（港仙） 10(a) 5.87 4.99 股息 11 5,395 5,395 ...

Financial Performance - The Group's interest income decreased by HK$2.1 million or 1.3% to HK$158.9 million for the current year, primarily due to a decline in mortgage loan interest income[15]. - Interest income from mortgage loans fell by HK$3.8 million or 3.5% to HK$104.4 million, while personal loan interest income increased by HK$1.8 million or 3.4% to HK$54.5 million[16]. - The Group's overall financial performance was negatively impacted by economic uncertainties, including interest rate hikes and geopolitical tensions[9]. - Profit and total comprehensive income attributable to owners decreased to HK$42.7 million, representing a decline of 27.5% compared to HK$58.9 million in the previous year[43]. - Other income and gain decreased to HK$1.6 million from HK$3.3 million, primarily due to a reduction in rental income from investment properties[17]. - Other income and gains recorded for the year amounted to HK$1.6 million, down from HK$3.3 million in the previous year, mainly due to a decrease in rental income from investment properties[21]. - The Group recorded a provision for impairment and write-off of loans and interest receivables of HK$18.0 million for the current year[9]. - Provision for impairment and write-off of loans and interest receivables totaled HK$18.0 million, a significant increase from HK$5.8 million in the previous year, due to deteriorating property market conditions[24][28]. Loan Portfolio and Receivables - As of March 31, 2024, gross mortgage loan and interest receivables amounted to HK$732.2 million, and gross personal loan and interest receivables stood at HK$203.6 million[10]. - Mortgage loans contributed approximately 65.7% to total revenue, while unsecured personal loans accounted for about 34.3%[10]. - The gross property mortgage loans and interest receivables accounted for approximately 78.2% of the entire gross loan and interest receivables as of March 31, 2024, up from 77.8% in 2023[66]. - As of March 31, 2024, the gross personal loans and interest receivables accounted for approximately 21.8% of the total loan and interest receivables of the Group, a slight decrease from 22.2% in 2023[68]. - The Group had 736 active accounts as of March 31, 2024, an increase from 705 in 2023, with individual customers making up 690 accounts and corporate customers 46 accounts[70]. - The top five customers accounted for approximately 8% of total revenue in the current year, down from 10.8% in 2023, while the single largest customer contributed about 2.1%, down from 3.2%[71]. Interest Rates and Margins - The net interest margin for the money lending business improved to 16.0% from 15.4% in the previous year, attributed to increased interest rates charged to customers[42]. - The net interest margin increased to 16.0% for the current year, up from 15.4% in 2023, attributed to rising interest rates charged to customers[48]. - Interest rates for property mortgage loans ranged from 11% to 31% in 2024, compared to 9% to 36% in 2023[66]. - The interest rates for personal loans ranged from 12% to 44%, consistent with the previous year, while mortgage loan rates varied from 11% to 31%, up from 9% to 36% in 2023[72]. Economic Outlook and Market Conditions - The Centra-City Leading Index for Hong Kong's residential property market declined from 168.27 in March 2023 to 147.08 in March 2024, indicating a continued downturn[9]. - The economic outlook for Hong Kong in 2024 remains uncertain, influenced by factors such as the U.S. presidential election and Federal Reserve rate adjustments, which may constrain loan portfolio growth[95]. - The complete removal of property market cooling measures by the Hong Kong Government indicates potential for revival in the property sector, stimulating transactions and market momentum[96]. - Anticipated interest rate cuts from the second half of 2024 could gradually stabilize the property market, counteracting its previous downward trend[96]. Corporate Governance - The Group's corporate governance practices comply with the Code Provisions, ensuring transparency and accountability to shareholders[100]. - The Board consists of seven Directors, including four executive Directors and three independent non-executive Directors, ensuring a balance of skills in various fields such as accounting, business, and finance[129]. - The independent non-executive Directors have confirmed their independence in writing, ensuring compliance with the Listing Rules[136]. - The Board has conducted regular reviews of its authorisation and guidelines for management decisions, ensuring accountability[124]. - The Company has complied with the Listing Rules requiring at least three independent non-executive Directors, representing at least one-third of the Board[134]. - The Board's main task is to supervise management to maximize shareholder value while balancing stakeholder interests[137]. - The Company has implemented anti-corruption and bribery policies, providing guidance to employees on identifying and reporting violations[126]. - The Group's compliance with legal and regulatory requirements is regularly reviewed and monitored by the Board[142]. Risk Management - The Group emphasizes maintaining a robust risk management policy and credit review processes to ensure the quality of its loan portfolio[96]. - The Audit Committee reviewed and monitored the integrity of the interim results, annual results, and financial statements of the Company and the Group[169]. - The Audit Committee reviewed the effectiveness of the risk management and internal control systems of the Group[169]. - The Audit Committee discussed risk management and internal control systems with management to ensure effective systems are in place[169]. - The Board has established a framework for internal control and risk management to assess and manage the Group's risks[141]. Employee and Operational Metrics - Other operating expenses rose by HK$9.3 million or 16.3% to HK$66.5 million, primarily due to increased employee benefits and marketing expenses[33][34]. - The total staff costs for the Group were HK$31.2 million in the current year, compared to HK$28.7 million in 2023, reflecting an increase in employee expenses[84]. - The Group employed 49 full-time employees as of March 31, 2024, an increase from 47 in 2023, indicating a slight growth in workforce[84]. Committees and Meetings - The Company established three Board committees: Audit Committee, Remuneration Committee, and Nomination Committee to oversee relevant aspects of the Group's affairs[163]. - The Audit Committee held two meetings during the year ended March 31, 2024, with full attendance from all members[172]. - The Nomination Committee held two meetings during the year ended March 31, 2024, with all members attending both meetings[194]. - The Remuneration Committee determined the remuneration packages and bonuses for executive Directors and senior management in accordance with the company's written remuneration policy[182]. - All members of the Remuneration Committee are independent non-executive Directors, ensuring unbiased decision-making regarding remuneration[185].

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。 Hong Kong Finance Group Limited 香港信貸集團有限公司 （於開曼群島註冊成立之有限公司） （股份代號：1273） 截 至 2024 年 3 月 31 日止年度之 末期業績公佈 | | | 於3月31日 | | | --- | --- | --- | --- | | | | 2024年 | 2023年 | | | 附註 | 千港元 | 千港元 | | 資產 | | | | | 非流動資產 | | | | | 物業、廠房及設備 | | 121,234 | 69,652 | | 投資物業 | | 48,100 | 105,200 | | 按公平值計入損益之金融資產 | | 800 | 800 | | 應收貸款 | 12 | 266,880 | 334,659 | | 遞延所得稅資產 | | 4,519 | 1,561 | | 投資於一間合營企業 | | 12,136 | 13,9 ...

CONTENTS目錄 2 Corporate Information 公司資料 4 Report on Review of Interim Financial Information 6 Interim Condensed Consolidated Statement of Comprehensive Income 7 Interim Condensed Consolidated Statement of Financial Position 9 Interim Condensed Consolidated Statement of Changes in Equity 10 Interim Condensed Consolidated Statement of Cash Flows 11 Notes to the Interim Condensed Consolidated Financial Information 35 Management Discussion and Analysis 管理層討論及分析 45 Other Information 其他資料 51 Glossary 詞彙 中期財務資料 審閱 ...

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。 Hong Kong Finance Group Limited 香港信貸集團有限公司 （於開曼群島註冊成立之有限公司） （股份代號：1273） 截至2023年 9月30日止六個月之 中期業績公佈 香港信貸集團有限公司（「公司」或「本公司」）之董事會（「董事會」或「董事」）欣然公佈本公司及 其附屬公司（統稱「本集團」）截至2023年9月30日止六個月之中期業績，連同去年同期之比較 數字如下： 中期簡明綜合全面收入表 截至2023年9月30日止六個月 截至9月30日止六個月 2023年 2022年 附註 千港元 千港元 （未經審核） （未經審核） 收益 4, 5 73,154 76,772 其他收入 5 636 2,098 重估投資物業之公平值虧損 (2,300) (5,380) 應收貸款及收回資產減值撥備及撇銷淨額 6 (4,060) (3,901) ...

CONTENTS目錄 | 2 | Corporate Information | 公司資料 | | --- | --- | --- | | 4 | Management Discussion and Analysis | 管理層討論及分析 | | 14 | Corporate Governance Report | 企業管治報告 | | 41 | Environmental, Social and Governance Report | 環境、社會及管治報告 | | 76 | Directors and Senior Management | 董事及高級管理層 | | 79 | Report of the Directors | 董事會報告 | | 92 | Independent Auditor's Report | 獨立核數師報告 | | 99 | Consolidated Statement of Comprehensive Income | 綜合全面收入表 | | 100 | Consolidated Statement of Financial Position | 綜合財務狀況表 | | 102 ...

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。 Hong Kong Finance Group Limited 香港信貸集團有限公司 （於開曼群島註冊成立之有限公司） （股份代號：1273） 截至2023年 3月31日止年度之 末期業績公佈 香港信貸集團有限公司（「公司」或「本公司」）之董事會（「董事會」或「董事」）欣然公佈本公司及 其附屬公司（統稱為「本集團」）截至2023年3月31日止年度之經審核綜合末期業績，連同去年 同期之比較數字如下： 綜合全面收入表 截至2023年3月31日止年度 截至3月31日止年度 2023年 2022年 附註 千港元 千港元 收益 5 160,974 153,488 其他收入 5 3,277 1,394 重估投資物業之公平值（虧損）╱收益 (8,130) 8,980 應收貸款減值撥備及撇銷淨額 6 (5,758) (6,513) 行政開支 7 (57,226) (53,060) 經營溢利 93,137 104,289 ...

术香 港 信 貸 Hong Kong Finance 香 港 信 貸 集 團 有 限 公 司 Hong Kong Finance Group Limited (Incorporated in the Cayman Islands with limited liability) Stock Code: 1273 （於開曼群离註冊成立之有限公司）股份代號：1273 # perces INTERIM REPORT 中期 報告 CONTENTS目錄 2 Corporate Information 公司資料 4 Report on Review of Interim Financial Information 中期財務資料 審閱報告 51 Glossary 詞彙 6 Interim Condensed Consolidated Statement of Comprehensive Income 中期簡明 綜合全面收入表 7 Interim Condensed Consolidated Statement of Financial Position 中期簡明 綜合財務狀況表 9 Interim Condensed Con ...

* 香 港 信 貸 Hong Kong Finance 香 港 信 貸 集 團 有 限 公 司 Hong Kong Finance Group Limited (Incorporated in the Cayman Islands with limited liability) Stock Code: 1273 (於同曼群島註冊成立之有限公司）股份代號：1273 Billing _ 年報 ANNUAL REPORT | --- | --- | --- | |-------|------------------------------------------------|----------------------| | | | | | | CONTENTS 目錄 | | | | | | | | | | | 2 | Corporate Information | 公司資料 | | 4 | Management Discussion and Analysis | 管理層討論及分析 | | 12 | Corporate Governance Report | 企業管治報告 | | 38 | Environmenta ...