| 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) | 01273 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,000,000,000 | HKD | | 0.01 | HKD | | 100,000,000 | | 增加 / 減少 (-) | | | | | | | HKD | | | | 本月底結存 | | | 10,000,000,000 | HKD | | 0.01 | HKD | | 100,000,000 | 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12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: 香港信貸集團有限公司 呈交日期: 2026年1月2日 I. 法定/註冊股本變動 本月底法定 ...

Core Viewpoint - Hong Kong Credit (01273) has entered into a new loan agreement to provide a loan of HKD 15 million to a group of borrowers, aimed at settling previous loans totaling HKD 23 million [1] Group 1: Loan Agreement Details - The new loan agreement was established on December 24, 2025, between Hong Kong Credit (as the lender) and borrowers AC, AD, AE, and AF [1] - The principal amount of the new loan is HKD 15 million [1] - The proceeds from the new loan will be used to fully settle the principal of the previous loan A [1] Group 2: Previous Loan Agreements - Prior to the new loan agreement, Hong Kong Credit had entered into past loan agreements totaling HKD 23 million with the borrowers and customer AC [1]

Core Viewpoint - Hong Kong Credit (01273) has announced a new loan agreement to provide HKD 15 million to borrowers AC, AD, AE, and AF, aimed at settling previous loans totaling HKD 23 million [1] Group 1: Loan Agreement Details - The new loan agreement was established on December 24, 2025, between Hong Kong Credit (as the lender) and the borrowers [1] - The principal amount of the new loan is HKD 15 million [1] - The proceeds from the new loan will be used to fully settle the principal of the previous loan A [1] Group 2: Previous Loan Agreements - Prior to the new loan agreement, Hong Kong Credit had entered into past loan agreements totaling HKD 23 million with the borrowers and customer AC [1]

Hong Kong Finance Group Limited 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。 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） 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2025年12月24日，香港信貸（作為貸款人）與客戶AC、客戶 AD、客戶AE及客戶AF（統稱為借款人）訂立新貸款協議。根據新貸款協議，香 港信貸同意向借款人授出本金金額為15,000,000港元之新貸款。 於訂立新貸款協議前，香港信貸（作為貸款人）已訂立過往貸款協議，以向借款人 及客戶AC授出本金總額為23,000,000港元之過往貸款。新貸款之所得款項用作 悉數結清過往貸款A的本金。 上市規則之涵義 由於香港信貸向借款人授出新貸款當日前十二個月期間內向借款人授出過往貸 款，故授出新貸款及過往貸款須根據上市規則第14.22條合併計算。由於按上市 規則第14.07條合併計算所授出新貸款及過往貸款之若干適 ...

Hong Kong Finance Group Limited 香港信貸集團有限公司 (Incorporated in the Cayman Islands with limited liability) （於開曼群島註冊成立的有限公司） (Stock Code 股份代號：1273) NOTIFICATION LETTER 通知信函 Dear Non-registered Shareholder(s) (1) Hong Kong Finance Group Limited (the "Company") – Notification of publication of Interim Report 2025 ( "Current Corporate Communications") If you have previously submitted written request to receive Corporate Communications in printed form, printed version of the above Corporate Communications are enclos ...

Hong Kong Finance Group Limited 香港信貸集團有限公司 (Incorporated in the Cayman Islands with limited liability) （於開曼群島註冊成立的有限公司） (Stock Code 股份代號：1273) NOTIFICATION LETTER 通知信函 Dear Registered Shareholder(s), 18 December 2025 Hong Kong Finance Group Limited (the "Company") – Notification of publication of Interim Report 2025 ( "Current Corporate Communications") The English and Chinese versions of the Company's Current Corporate Communications are available on the Company's website at www.hkfinance.hk and the websit ...

Financial Statements Compliance - The interim condensed consolidated financial statements as of September 30, 2025, were reviewed, showing compliance with HKAS 34[8]. - The report indicates that no significant issues were identified that would suggest the financial statements are not prepared in accordance with HKAS 34[11]. - The review was conducted in accordance with Hong Kong Standard on Review Engagements 2410, focusing on inquiries and analytical procedures[10]. - The Group's condensed consolidated financial statements for the six months ended September 30, 2025, were prepared in accordance with HKAS 34 "Interim Financial Reporting" and applicable disclosure requirements[25][28]. Financial Performance - For the six months ended September 30, 2025, the net interest income was HK$72,454,000, a decrease of 1.8% from HK$73,802,000 in the same period of 2024[17]. - The operating profit for the period increased to HK$32,943,000, up 10.4% from HK$29,634,000 in the previous year[17]. - Profit attributable to owners of the Company for the period was HK$27,299,000, representing a 12.0% increase compared to HK$24,359,000 in the same period of 2024[17]. - Basic and diluted earnings per share rose to 6.58 HK cents, an increase of 12.1% from 5.87 HK cents in the previous year[17]. - The total comprehensive income attributable to owners of the Company for the period was HK$27,299,000[54]. - Profit attributable to shareholders increased by 11.9% to HK$27.3 million, compared to HK$24.4 million in the previous period[125][127]. Assets and Equity - Total assets as of September 30, 2025, amounted to HK$1,085,196,000, an increase of 6.3% from HK$1,020,942,000 as of March 31, 2025[18]. - Total equity attributable to owners of the Company increased to HK$873,905,000, up from HK$852,001,000 as of March 31, 2025[18]. - The net book value of land and buildings as of September 30, 2025, was approximately HK$113,298,000, a decrease from HK$115,016,000 as of March 31, 2025[81]. - As of September 30, 2025, net assets amounted to HK$873.9 million, an increase from HK$852.0 million as of March 31, 2025[150]. Cash Flow and Liquidity - Cash and cash equivalents decreased to HK$14,671,000 from HK$33,486,000 at the beginning of the period[20]. - The net cash used in operating activities was HK$19,940,000, compared to a net cash generated of HK$62,111,000 in the same period of 2024[20]. - The Group's unutilised banking facilities as of 30 September 2025 were HK$120,139,000, down from HK$209,809,000 as of 31 March 2025[106]. Loans and Receivables - As of September 30, 2025, total gross loans and interest receivables amounted to HK$901,195,000, an increase of 12.06% from HK$804,502,000 as of March 31, 2025[83]. - The secured property mortgage loans increased to HK$694,985,000 from HK$606,052,000, reflecting a growth of 14.6%[83]. - Unsecured property owner loans rose to HK$206,210,000, up from HK$198,450,000, marking a growth of 3.9%[83]. - The aging analysis of loans shows that overdue loans over 90 days increased to HK$143,177,000 from HK$134,582,000, representing a rise of 5.3%[91]. Impairment and Provisions - The provision for impairment increased to HK$30,960,000 as of September 30, 2025, compared to HK$23,016,000 as of March 31, 2025, indicating a rise of 34.4%[83]. - Impairment losses recognized during the six months ended September 30, 2025, were HK$8,630,000, a decrease from HK$9,017,000 for the same period in 2024[86]. Dividends - Dividends declared for the period were HK$6,640,000, an increase from HK$5,395,000 in the previous year[17]. - An interim dividend of HK$6,640,000 was proposed for the six months ended September 30, 2025, compared to HK$5,395,000 for the same period in 2024, indicating an increase of approximately 23.1%[78]. Risk Management - The Group's overall risk management program focuses on minimizing potential adverse effects on financial performance due to market unpredictability[32][35]. - The Group's financial risk management includes exposure to market risk, credit risk, and liquidity risk[32][35]. - The Group maintained stringent credit policies and robust risk management measures to preserve loan portfolio quality amid economic challenges[123]. Corporate Governance - The Company has complied with the Corporate Governance Code during the review period[197]. - All Directors confirmed compliance with the Model Code for securities transactions during the review period[199]. Auditor Changes - PricewaterhouseCoopers resigned as the auditor of the Company on October 24, 2025, and Deloitte Touche Tohmatsu was appointed as the new auditor[200].

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11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: 香港信貸集團有限公司 呈交日期: 2025年12月1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) | 01273 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,000,000,000 | HKD | | 0.01 HKD | | | 100,000,000 | | 增加 / 減少 (-) | | | | | | HKD | | | | | 本月底結存 | | | 10,000,000,000 | HKD | | 0.01 HKD | | | 100,000,000 | 本月底法 ...

| 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 公告全部或任何部份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。 | | | --- | --- | | 股票發行人現金股息公告 | | | 發行人名稱 | 香港信貸集團有限公司 | | 股份代號 | 01273 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年9月30日止六個月之中期股息 | | 公告日期 | 2025年11月26日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更改(1)財政年末和(2)除淨日 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2026年3月31日 | | 宣派股息的報告期末 | 2025年9月30日 | | 宣派股息 | 每 股 0.016 HKD | | 股東批准日期 | 不適用 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | 每 股 0.016 HKD ...

Group 1 - The company Hong Kong Credit (01273.HK) announced a mid-term dividend of HKD 0.016 per share, to be distributed on January 14, 2026 [1]