Business Segments - The Group is engaged in automation, property investment and development, financial services, and securities investment, with a focus on smart manufacturing and 5G market opportunities [4]. - The property investment and development segment includes projects in Hong Kong and major cities in the PRC, aiming to increase land reserves in the Greater Bay Area [5]. - The Group holds licenses for financial services including securities trading, asset management, and money lending in Hong Kong and the PRC [8]. - The Group's segments include Automation, Financial Services, Property Investment and Development, and Securities Investment, each contributing to the overall financial results [30]. Financial Performance - Revenue for the six months ended June 30, 2024, increased to HK$379.4 million, up from HK$333.9 million in 2023, representing a growth of 13.1% [15]. - Gross profit for the same period rose to HK$122.8 million, compared to HK$52.5 million in 2023, marking a significant increase of 133.3% [15]. - The company reported a loss attributable to owners of HK$79.8 million for the first half of 2024, a decline from a profit of HK$648.7 million in 2023 [15]. - EBITDA for the six months ended June 30, 2024, was (HK$141.6 million), a decrease from HK$701.2 million in 2023 [15]. - The company reported a total comprehensive income of HK$298,736,000 for the six months ended June 30, 2023, compared to a loss of HK$328,948,000 in the same period of 2024 [24]. Assets and Liabilities - Total assets as of June 30, 2024, were HK$11,292.8 million, down from HK$11,643.1 million as of December 31, 2023 [15]. - Total liabilities decreased to HK$4,424,688,000 as of June 30, 2024, down from HK$4,543,881,000 as of December 31, 2023, indicating a reduction of approximately 2.6% [21]. - The company's net assets as of June 30, 2024, were HK$6,868,084,000, a decrease from HK$7,099,252,000 as of December 31, 2023, representing a decline of about 3.3% [21]. - The current ratio improved to 1.7 as of June 30, 2024, compared to 1.6 at the end of 2023 [15]. Cash Flow and Financing - Cash and cash equivalents increased to HK$608.2 million from HK$562.3 million, reflecting a growth of 8.5% [15]. - For the six months ended June 30, 2024, net cash generated from operating activities was HK$38,096,000, a decrease of 80.5% compared to HK$194,748,000 for the same period in 2023 [25]. - The company raised HK$290,000,000 from the issuance of corporate bonds during the six months ended June 30, 2024 [26]. - The repayment of bank and other borrowings amounted to HK$270,039,000, an increase from HK$202,623,000 in the previous year [26]. Market Conditions and Strategic Outlook - The high interest rate environment has weakened market sentiment in Hong Kong, leading to a decline in wealth and economic recession for corporations and individuals [103]. - The Group remains optimistic about long-term business prospects and will continue to proactively seek business opportunities to create higher value for shareholders [104]. - The global economic recovery remains fragile, with continued sluggish demand in the global consumer electronics market impacting manufacturers' investment in manufacturing equipment [107]. - The Group's future outlook includes continued focus on automation and property development as key revenue drivers [156]. Operational Developments - The Group is committed to sustainable development and maximizing returns for shareholders while contributing to societal well-being [8]. - The Group's strategy includes seeking local and overseas partners to navigate challenges in the business environment [8]. - The Group has not applied new HKFRSs that have been issued but are not yet effective, and is assessing their potential impact [29]. - The Group's dual-core driven development strategy integrates industry and finance, creating synergies between Gallant Tech's intelligent manufacturing technology business and the Group's industrial parks business [109]. Employee and Management Information - The Group employed 306 full-time employees as of June 30, 2024, a decrease from 406 employees as of December 31, 2023 [162]. - Key management compensation for the first half of 2024 totaled HK$2,060,000, a decrease from HK$3,409,000 in the same period of 2023 [85]. - The Company adopted a share option scheme to provide incentives to staff, with options granted to eligible employees [162]. Regulatory and Compliance - The financial services business is subject to extensive regulatory requirements, and any changes in laws or regulations could increase compliance burdens [173]. - Glory Sun Credit has complied with all relevant laws and regulations, ensuring adherence to the Money Lenders Ordinance and Anti-Money Laundering regulations [134]. Share Capital and Equity - The issued and fully paid share capital was 2,680,000,000 shares, amounting to HK$26,800,000 as of June 30, 2024 [76]. - The Board did not recommend the payment of an interim dividend for the period, consistent with the previous year [184].

Financial Performance - Revenue for the six months ended June 30, 2024, was HKD 379,435,000, an increase of 13.6% from HKD 333,918,000 in the same period of 2023[1] - Gross profit for the same period was HKD 122,814,000, compared to HKD 52,472,000 in 2023, reflecting a significant improvement[1] - The net loss attributable to the company for the six months was HKD 79,768,000, a decrease from a profit of HKD 648,690,000 in the previous year[2] - The basic and diluted loss per share for the period was HKD (2.98), compared to earnings of HKD 37.22 in the previous year[3] - The company reported a loss before tax of HKD 162,657,000 for the six months ended June 30, 2024, compared to a profit before tax of HKD 651,561,000 for the same period in 2023[12] - The company recorded a loss attributable to shareholders of approximately HKD 79.8 million for the six months ending June 30, 2024, compared to a profit of approximately HKD 648.7 million for the same period in 2023, primarily due to the absence of bargain purchase gains from subsidiary acquisitions[63] Revenue Breakdown - For the six months ended June 30, 2024, total revenue was HKD 384,414,000, a decrease from HKD 338,373,000 for the same period in 2023, representing a decline of approximately 1.5%[11] - The automation segment generated revenue of HKD 229,568,000, while the financial services segment contributed HKD 26,351,000, and property investment and development generated HKD 126,444,000[11] - Revenue from product sales was HKD 218,445,000, an increase from HKD 205,479,000 in the prior year, while property sales decreased to HKD 43,464,000 from HKD 75,015,000[13] - The company recognized a total of HKD 272,636,000 in revenue from contracts with customers for the six months ended June 30, 2024, down from HKD 293,215,000 in the same period of 2023[14] - The automation segment reported revenue of approximately HKD 228.4 million for the first half of 2024, an increase from HKD 213.0 million in the same period of 2023, accounting for 60.2% of total group revenue[32] - The financial services segment's revenue decreased by 19.0% to HKD 24.8 million, reflecting challenges in the market[55] Expenses and Costs - Financial costs decreased to HKD 11,101,000 from HKD 30,954,000, indicating a reduction of 64.1%[2] - The company incurred administrative expenses of HKD 9,216,000 during the reporting period[11] - Total financial costs increased to HKD 65,047,000 for the six months ended June 30, 2024, from HKD 51,359,000 in 2023, reflecting a rise of approximately 26.5%[16] - Administrative expenses decreased by 14.6% to approximately HKD 72.5 million, attributed to effective cost control measures[60] - Distribution costs reduced by 27.0% to approximately HKD 8.9 million, representing 2.3% of total revenue[59] Assets and Liabilities - Total assets as of June 30, 2024, were HKD 11,292,772,000, down from HKD 11,643,133,000 at the end of 2023[4] - Current liabilities decreased to HKD 3,110,444,000 from HKD 3,404,482,000, showing a reduction of 8.6%[5] - The company's cash and cash equivalents increased to HKD 608,160,000 from HKD 562,293,000, reflecting a growth of 8.2%[5] - The net asset value decreased to HKD 6,868,084,000 from HKD 7,099,252,000, a decline of 3.3%[5] - Trade receivables totaled HKD 308,039,000 as of June 30, 2024, significantly up from HKD 93,591,000 as of December 31, 2023[26] - The company’s loans and advances amounted to HKD 764,977,000 as of June 30, 2024, down from HKD 802,190,000 as of December 31, 2023[23] Impairment and Losses - The company reported a significant impairment loss on financial assets of HKD 68,995,000, compared to a reversal of HKD 252,213,000 in the previous year[1] - The impairment loss on financial assets and contract assets amounted to HKD 68,995,000, a significant increase from the previous year's loss of HKD 252,213,000[15] - The company reported a net loss of HKD 60,107,000 from other unallocated losses during the period[11] - The impairment provision for loans and advances decreased to HKD (684,554,000) as of June 30, 2024, from HKD (721,612,000) as of December 31, 2023[23] Corporate Governance and Compliance - The company is committed to maintaining high levels of corporate governance and has complied with the corporate governance code, with some deviations noted[88] - The company has adopted the standard code of conduct for securities trading as per the listing rules, confirming compliance by all directors for the six-month period ending June 30, 2024[89] - The Audit Committee, established on November 28, 2009, is responsible for reviewing and supervising the group's financial reporting, risk management, and internal control procedures[90] Future Outlook and Strategy - The company plans to expand its service network in Southeast Asia, particularly in Vietnam and Indonesia, to enhance customer service and support[33] - The company anticipates a new wave of SMT machine replacements driven by advancements in smart manufacturing and artificial intelligence in the coming years[32] - The group remains optimistic about long-term business operations despite current economic uncertainties and aims to create higher value for shareholders[30] - The company plans to enhance its property investment strategy in Shenzhen, aiming to improve rental rates and attract high-quality enterprises[51] - The company is exploring potential financing methods, such as debt financing, share placements, or issuing corporate bonds, to support business expansion and new developments[70] Shareholder Information - The company did not recommend any interim dividend for the six months ended June 30, 2024, nor did it approve any final dividend for the previous fiscal year[20] - The company did not declare an interim dividend for the current period, maintaining the interim dividend at zero for 2023[85] - The board expresses gratitude to the management and staff for their contributions during the period and thanks shareholders and business partners for their continued support[92] Risk Management - The company has identified various operational risks, including those arising from internal processes and systems, and is implementing measures to manage these risks effectively[76] - The company has faced various financial risks, including market, liquidity, and credit risks, which could significantly impact its financial condition and operating performance[79] - The company is closely monitoring its cash flow and maintaining sufficient levels of cash and credit lines to mitigate liquidity risks[79] - The company is actively enhancing credit assessments for new clients to mitigate credit risk associated with existing customers[79]

Revenue Performance - The Group reported a significant increase in revenue, achieving a total of HKD 1.2 billion, representing a growth of 15% compared to the previous year[12]. - The Group recorded a revenue of approximately HK$740.3 million for the year ended 31 December 2023, representing a decrease of approximately 8.8% from HK$811.4 million in the previous year[47]. - The Group recorded revenue of approximately HKD 740.3 million for the year ended December 31, 2023, a decrease of about 8.8% compared to HKD 811.4 million in the previous fiscal year, primarily due to reduced transaction volumes in the automation business[49]. - For the year ended December 31, 2023, the revenue of the automation segment was approximately HK$431.8 million, a decrease of 24.9% from HK$574.6 million in 2022, accounting for approximately 58.3% of the Group's total revenue[68]. - The property investment and development segment recorded revenue of approximately HK$354.7 million, an increase from HK$259.3 million in 2022, accounting for approximately 47.9% of the Group's total revenue[80]. Profitability and Financial Recovery - The gross profit for the year was HK$138.6 million, down from HK$182.2 million in 2022, indicating a gross profit margin of 19%[26][29]. - The Company achieved an EBITDA of HK$155.4 million, a significant recovery from a loss of HK$503.1 million in the previous year[26][38]. - The profit attributable to owners of the Company was approximately HK$102.5 million, a turnaround from a loss of HK$551.5 million in 2022[26][40]. - The Group achieved a profit of approximately HKD 55.3 million for the year, a significant improvement from a loss of HKD 537.4 million in 2022, mainly due to a bargain purchase gain of approximately HKD 550.5 million from business combinations and a recovery of impairment losses of financial assets amounting to HKD 259.1 million[49]. - Gross profit decreased by approximately 23.9% to HK$138.6 million, with a gross profit margin of 18.7%, down from 22.5% in 2022, primarily due to increased competition in the automation and property segments[170]. Asset Management and Financial Services - The Group's asset management services managed total assets of approximately HK$165 million as of the report date[107][111]. - For the financial services segment, revenue decreased by approximately 19.6% to HK$38.2 million in 2023 from HK$47.5 million in 2022, representing about 5.2% of the Group's total revenue[104][109]. - The operating loss for the financial services segment was approximately HK$70.5 million in 2023, down from approximately HK$118.4 million in 2022[104][109]. - The overall weighted average loan-to-value ratio of Glory Sun Credit's loan portfolio was 68.0% as of December 31, 2023, down from 95.4% in 2022, reflecting stringent credit control measures[114][119]. - The gross share mortgage loans receivable accounted for approximately 64.1% of the entire gross loan receivable of Glory Sun Credit as of December 31, 2023, compared to 15.4% in 2022[124]. Strategic Initiatives and Future Outlook - The Group anticipates a revenue growth forecast of 10-12% for the upcoming fiscal year, driven by expansion in automation and property development sectors[12]. - New product launches in automation technology are expected to contribute an additional HKD 200 million in revenue over the next year[12]. - The Group is actively pursuing property projects in the Greater Bay Area, aiming to increase land reserves by 25%[12]. - A strategic partnership with a leading 5G technology provider has been established to enhance automation solutions, expected to boost market competitiveness[12]. - The Group aims to improve its business planning and operating performance in 2024 to promote long-term growth amidst a challenging business environment[64]. Market Conditions and Economic Factors - The consumer electronics market showed signs of gradual recovery starting in Q3 2023, driven by improved inventory conditions and new product launches, despite a decline in global smartphone shipments compared to 2022[53]. - The demand for electronic manufacturing equipment is expected to continue rising due to the increasing emphasis on intelligent manufacturing and the growing need for automation equipment among major manufacturing companies[53]. - The Central Government of China introduced supportive policies for the real estate market, including reducing down payments and interest rates, to stimulate property purchases and alleviate liquidity pressure on property enterprises[57]. - The "Three Major Projects" initiated by the Central Government in 2023 focus on affordable housing, urban village renovation, and public infrastructure, aiming to improve housing supply and meet the needs of wage earners[58]. Operational Performance and Challenges - The operating profit for the automation segment decreased by 51.0% to approximately HK$12.6 million, down from HK$25.7 million in 2022, primarily due to a decline in machinery orders amid economic uncertainties in China's manufacturing sector[68]. - The operating loss for the property investment and development segment was approximately HK$249.5 million, compared to an operating loss of approximately HK$82.4 million in the previous year, largely due to a write-down of inventory properties amounting to approximately HK$170 million[81]. - The securities investment segment incurred a loss of approximately HK$84.4 million in 2023, compared to a loss of approximately HK$70.0 million in 2022[137][141]. - The operating loss for the securities investment segment was approximately HK$86.1 million in 2023, compared to HK$71.2 million in 2022[137][141]. Investments and Acquisitions - The Group recognized a gain on bargain purchase of approximately HK$550.5 million due to a business combination in the year[48]. - The company completed the acquisition of a 51% equity interest in Shantou Taisheng Technology Limited in March 2023, which is developing the Shantou Times Bay project with a total land area of approximately 167,000 sq.m. and a gross floor area of approximately 951,000 sq.m.[95]. - The Group acquired 51% of Shantou Taisheng Technology Co., Ltd., which is involved in real estate development in Shantou, China, with a total land area of approximately 167,000 square meters and a total construction area of approximately 951,000 square meters[99]. Community and Sustainability Efforts - The Group remains committed to sustainable development, with plans to invest 5% of profits into community initiatives[12]. - The Group is committed to building a diversified, sustainable, and dynamic financing platform to enhance Hong Kong's competitiveness as an international financial hub[63].

Financial Performance - The total revenue for the year ended December 31, 2023, was HKD 740,268,000, a decrease of 8.8% compared to HKD 811,389,000 in 2022[4] - The gross profit for the year was HKD 138,580,000, down from HKD 182,175,000 in the previous year, reflecting a gross margin decline[4] - The net profit for the year was HKD 55,281,000, a significant recovery from a net loss of HKD 537,352,000 in 2022[5] - The company reported a basic and diluted earnings per share of HKD 4.74, compared to a loss per share of HKD 35.14 in the previous year[5] - The total loss before tax for the year was HKD 68.097 million, compared to a loss of HKD 507.960 million in the previous year[26] - The company reported a net loss of HKD 102,497,000 for 2023, compared to a net loss of HKD 551,522,000 in 2022, showing an improvement[41] - The profit attributable to the company's owners for the year ended December 31, 2023, was approximately HKD 102.5 million, a significant recovery from a loss of HKD 551.5 million in 2022[124] Revenue Breakdown - Revenue from the automation segment was HKD 440.433 million, while the financial services segment generated HKD 40.526 million, and the property investment and development segment contributed HKD 360.068 million[24] - Total revenue for the year ended December 31, 2023, was HKD 756.582 million, a decrease from HKD 815.439 million in the previous year, representing a decline of approximately 7.2%[24] - Revenue from product sales decreased to HKD 413,499,000 in 2023 from HKD 558,509,000 in 2022, representing a decline of 26%[28] - The financial services segment generated approximately HKD 38.2 million in revenue for the year ending December 31, 2023, a decrease of about 19.6% compared to HKD 47.5 million in 2022, representing approximately 5.2% of the group's total revenue[85] Asset and Liability Management - Non-current assets increased to HKD 6,252,962,000 from HKD 4,318,298,000, primarily driven by an increase in investment properties[6] - Current liabilities rose to HKD 3,404,482,000, up from HKD 2,571,152,000, indicating increased operational obligations[7] - The company’s total liabilities increased to HKD 4,543,881,000 from HKD 2,829,091,000, reflecting higher borrowing levels[7] - The net asset value increased to HKD 7,099,252,000 from HKD 5,111,424,000, indicating improved financial health[7] - The total amount of loans and advances decreased to HKD 802,190,000 in 2023 from HKD 2,469,388,000 in 2022, a reduction of approximately 67.5%[46] - The impairment provision for loans and advances increased to HKD 721,612,000 in 2023 from HKD 629,343,000 in 2022[46] Segment Performance - The overall segment performance resulted in a loss of HKD 393.532 million, with the financial services segment showing a significant loss of HKD 70.531 million[24] - The automation segment recorded revenue of approximately HKD 431.8 million, a decrease of 24.9% compared to HKD 574.6 million in the previous year, accounting for 58.3% of total group revenue[71] - Operating profit for the automation segment decreased by 51.0% to approximately HKD 12.6 million, down from HKD 25.7 million in the previous year[71] - The property investment and development segment generated revenue of approximately HKD 354.7 million for the year ended December 31, 2023, an increase from HKD 259.3 million in 2022, accounting for 47.9% of total group revenue[76] - The operating loss for the property investment and development segment was approximately HKD 249.5 million in 2023, compared to an operating loss of HKD 82.4 million in the previous year, primarily due to inventory write-downs of approximately HKD 170 million[76] Acquisitions and Investments - The company completed the first phase of the acquisition of Shantou Taisheng Technology Co., Ltd. on March 22, 2023, acquiring 51% of the total equity for RMB 1,175,550,000[54] - The second phase of the acquisition, involving the remaining 49% equity, is expected to be completed by June 30, 2024, with a total consideration of RMB 1,129,450,000[56] - The total identifiable assets acquired in the acquisition included investment properties valued at HKD 2,078,434,000 and development properties valued at HKD 1,669,266,000[58] - The total consideration for the acquisition was HKD 1,342,829,000, resulting in a bargain purchase gain of HKD 550,515,000[58] Market Conditions and Strategic Focus - The global smartphone market shipment volume declined compared to 2022, leading manufacturers to be cautious about investing in automation equipment[64] - The real estate market in China continued to adjust at the bottom in 2023, with various supportive policies implemented to stimulate demand and alleviate financial pressure on property companies[66] - The asset management industry experienced significant growth in 2023, driven by various measures from the Hong Kong government to attract family offices and high-net-worth individuals[67] - The company aims to build a diversified, sustainable, and vibrant financing platform to enhance Hong Kong's competitiveness and support economic growth[69] - The company plans to enhance its product structure and develop new products in semiconductor equipment and other automation devices to increase sales revenue and market competitiveness[106] Corporate Governance and Future Outlook - The company did not declare any dividends for the reporting period, consistent with 2022[38] - The board does not recommend a final dividend for the year ending December 31, 2023, similar to the previous year[145] - The company has maintained sufficient public float, with at least 25% of its issued shares held by the public[148] - The audit committee, consisting of one non-executive director and two independent non-executive directors, has reviewed and approved the preliminary results for the year ending December 31, 2023[155] - The annual general meeting is expected to be held on June 6, 2024, with notifications to be sent to shareholders as per listing rules[161]

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，概不就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失承擔任何責任。 01282 澄清公告 有關 截至二零二二年十二月三十一日止年度 之年度業績公告 及 二零二二年年報 茲提述中澤豐國際有限公司（「本公司」，連同其附屬公司統稱「本集團」）日期為二零二三 年四月十九日的截至二零二二年十二月三十一日止年度的年度業績公告（「年度業績公 告」）以及本公司於二零二三年五月十一日刊發的截至二零二二年十二月三十一日止年度 的年度報告（「年報」）。除文義另有所指者外，本公告所用詞彙與年度業績公告及年報所 界定者具有相同涵義。 本公司謹此澄清： (i) 年度業績公告第3頁應如下修訂（已標示修訂）： - 1 - 綜合全面收益表（續） 截至二零二二年十二月三十一日止年度 二零二二年 二零二一年 附註 千港元 千港元 年內虧損 (537,352) (68,762) 其他全面（虧損）╱收益： 可重新分類至損益的項目： | --- | --- | --- | |------------------- ...

Property Investment and Development - The Group's property investment and development segment has been rapidly expanding, engaging in multiple projects in Hong Kong and the PRC, including residential buildings and shopping malls [6]. - The Group is committed to exploring quality property projects in the Greater Bay Area to increase land reserves for future development [6]. - The Group completed the acquisition of a subsidiary, which contributed HK$1,822,328,000 to the total equity as of June 30, 2023 [41]. - The acquisition of 51% equity interest in Shantou Taisheng Technology Limited was completed on March 22, 2023, contributing to the company's strategy for property investment and development [189]. Financial Performance - Revenue for the six months ended June 30, 2023, was HK$333.9 million, a decrease of 16.6% from HK$400.5 million in 2022 [27]. - Gross profit for the same period was HK$52.5 million, down 46.5% from HK$97.9 million in 2022 [27]. - EBITDA for the first half of 2023 was HK$701.2 million, compared to a loss of HK$345.1 million in 2022 [27]. - Profit attributable to owners of the Company was HK$648.7 million, a significant recovery from a loss of HK$233.6 million in the previous year [27]. - Total comprehensive income for the period was HK$298.7 million, a recovery from a total comprehensive expense of HK$744.5 million in 2022 [32]. - Basic and diluted earnings per share for the six months ended June 30, 2023, were 10 HK cents, an improvement from a loss of 14.88 HK cents in the same period of 2022 [33]. Assets and Liabilities - Total assets increased to HK$11,545.2 million as of June 30, 2023, from HK$7,940.5 million at the end of 2022 [27]. - Net assets rose to HK$7,338.1 million, up from HK$5,111.4 million at the end of 2022 [27]. - Current liabilities rose significantly to HK$3,676,131,000 as of June 30, 2023, compared to HK$2,571,152,000 as of December 31, 2022, indicating a 43% increase [37]. - Total liabilities increased to HK$4,207,106,000 as of June 30, 2023, from HK$2,829,091,000 as of December 31, 2022, indicating a rise of about 48% [37]. Cash Flow and Financing - Net cash generated from operating activities decreased to HK$194,748,000 in 2023 from HK$382,911,000 in 2022, representing a decline of approximately 49% [44]. - Cash flows from financing activities generated a net cash inflow of HK$340,000 in 2023, a significant recovery from a net cash outflow of HK$402,150,000 in 2022 [46]. - The company raised HK$105,612,000 from the placing of new shares in 2023, with no such proceeds reported in 2022 [46]. Changes in Management - The Group has undergone significant changes in its board of directors, with multiple resignations and appointments in 2023 [15][17]. - The company changed its name from "Glory Sun Financial Group Limited" to "Renze Harvest International Limited" on July 11, 2023 [48]. Segment Performance - The Automation segment generated revenue of HK$213,045,000, while the Financial Services segment contributed HK$32,245,000, and the Property Investment and Development segment brought in HK$149,473,000 [66]. - The Group reported a segment loss of HK$42,898,000 for the six months ended June 30, 2023, compared to a loss of HK$317,125,000 for the same period in 2022 [66]. Investment Properties - The Company reported a fair value loss on investment properties of HK$1.2 million, compared to a loss of HK$290.1 million in the previous year [28]. - The Company reported a significant increase in investment properties, which rose to HK$5,488,005,000 as of June 30, 2023, from HK$3,471,220,000 as of December 31, 2022, representing a growth of approximately 58% [36]. Related Party Transactions - The company’s related party transactions were conducted at mutually agreed terms in the ordinary course of business [181]. - As of June 30, 2023, loans and advances to related parties totaled HK$1,010,441,000 [181].

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失承擔任何責任。 （於開曼群島註冊成立的有限公司） （股份代號：01282） 截至二零二三年六月三十日止六個月的 中期業績公告 中澤豐國際有限公司（「本公司」）董事（「董事」）會（「董事會」）謹此宣佈本公司及其 附屬公司（統稱「本集團」）已由本公司審核委員會（「審核委員會」）審閱的截至二零 二三年六月三十日止六個月（「本期間」）未經審核簡明綜合中期業績。 簡明綜合全面收益表 截至二零二三年六月三十日止六個月 截至六月三十日止六個月 二零二三年 二零二二年 千港元 千港元 附註 （未經審核） （未經審核） 收益 5 333,918 400,490 ...

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失承擔任何責任。 01282 有關本公司放貸業務相關資料的補充公告 茲提述本公司截至二零二二年十二月三十一日止年度的年報（「二零二二年年報」）。除本 公告另有界定者外，本公告所用詞彙與二零二二年年報所界定者具有相同涵義。 董事會謹此向本公司股東及潛在投資者提供補充資料，內容有關二零二二年年報所披露 的本集團根據放債人條例（香港法例第163章）進行的放貸業務（「放貸業務」），詳情如下： (i) 放貸業務的業務模式及信貸風險評估政策 本集團根據放債人條例（香港法例第163章）持有放債人牌照，主要利用其收入產生的 內部資源為其放貸業務及其他放貸業務提供資金。透過專注於淨值或抵押品項目約 5,000,000港元或以上的個人客戶及╱或貸款規模介乎約1百萬港元至400百萬港元的 企業，本集團從事提供並安排按揭及其他貸款。就個人客戶成為本公司的目標客戶 而言，除上文所述門檻外，概無其他任何特定的基準，如年齡段、職業及最低月收 入門檻。 ...

Business Segments - The Group is engaged in financial services, property investment and development, automation, and securities investment, with a focus on comprehensive financial services in Hong Kong and the PRC [4]. - The property investment and development segment includes multiple projects in Hong Kong and major cities in the PRC, aiming to increase land reserves in the Greater Bay Area [6]. - The Group is a leader in the distribution of automation equipment in the PRC, capitalizing on opportunities from the "Made in China 2025" initiative and 5G market development [7]. - The financial services segment generated approximately HK$47.5 million in revenue for the year ended 31 December 2022, a decrease of approximately 53.7% compared to HK$102.7 million in 2021, representing about 5.9% of the Group's total revenue [60]. - The Group's securities brokerage services have seen a year-on-year increase in trading volume due to enhanced marketing strategies and improved eTrading mobile application features [61]. - The Group's wealth management services continued to diversify in 2022 to meet various client needs, leveraging Hong Kong's geographical advantages [66]. - The Group's money lending services included long-term secured loans and short-term unsecured loans, with a conservative approach adopted to optimize the business structure and strengthen risk management in 2022 [67]. Financial Performance - The Group recorded a revenue of approximately HK$811.4 million for the year ended 31 December 2022, representing a decrease of approximately 69.0% from HK$2,614.8 million in the previous year [40]. - The loss for the year was approximately HK$537.4 million, compared to a loss of approximately HK$68.8 million in 2021, primarily due to a decrease in fair value gain on investment properties of approximately HK$135.9 million and a revenue decrease of approximately HK$1,803.4 million [41]. - Total assets decreased to HK$7,940.5 million in 2022 from HK$9,884.2 million in 2021, while net assets also declined to HK$5,111.4 million from HK$6,334.0 million [28]. - The gross profit margin for 2022 was 22%, a slight increase from 21% in 2020, but down from 23% in 2021 [28]. - The interest coverage ratio was (13.2) in 2022, indicating a significant decline from (0.8) in 2021 [28]. - The current ratio was 1.4 in 2022, slightly down from 1.5 in 2021, indicating a decrease in liquidity [28]. - The net (loss)/profit margin for 2022 was (66%), worsening from (1%) in 2021 [28]. - The Company did not declare any dividends per share for the year [28]. - The Group's revenue for the year ended December 31, 2022, decreased by approximately 69.0% to approximately HK$811.4 million, compared to approximately HK$2,614.8 million in 2021 [116]. - The gross profit for the year decreased by approximately 69.9% to approximately HK$182.2 million, while the gross profit margin increased to 22.5% from 23.2% in 2021 [119]. - The loss attributable to owners of the Company for the year ended December 31, 2022, was approximately HK$551.5 million, compared to approximately HK$189.0 million in 2021 [140]. Market Conditions and Challenges - The Chairman's statement highlighted the challenges faced in the Hong Kong financial market due to global monetary policy tightening and geopolitical risks [44]. - The real estate market in Ganzhou, Jiangxi Province, experienced a decline in trading volume in 2022 compared to 2021, influenced by regulatory policies and a growing wait-and-see attitude among buyers [51]. - The Group aims to improve its business planning and operating performance in 2023 to promote long-term growth amidst a challenging business environment [54]. - The Hong Kong financial market remains resilient despite challenges, with expectations for rapid economic growth and new growth impetus from expanding domestic demand [53]. - The real estate sector in Ganzhou is expected to gradually recover as favorable policies continue to support the market [55]. Strategic Initiatives - The Group plans to seek local and overseas partners to enhance overall development in response to a challenging business environment [8]. - The Group aims to maximize shareholder returns while contributing to societal well-being, indicating a commitment to sustainable development [8]. - The Group plans to focus on investment in stock properties and sales of available properties, capitalizing on the recovery of the real estate market in China [99]. - The acquisition of Shantou Taisheng Technology Limited in March 2023 significantly increased the Group's land reserves and property portfolio [99]. - The Group aims to create better returns for shareholders by capturing development opportunities in 2023 [108]. - The Group will actively investigate the real estate market for quality projects to expand its project portfolio [104]. Operational Performance - The Company focused on developing industrial real estate in Guangming District of Shenzhen City and comprehensive property in Ganzhou City during the year [45]. - The automation segment's revenue for the year ended December 31, 2022, was approximately HK$574.6 million, a decrease of 27.6% from HK$794.0 million in 2021, accounting for approximately 70.8% of the Group's total revenue [91]. - The operating loss for the financial services segment amounted to approximately HK$118.4 million in 2022, compared to an operating loss of approximately HK$181.9 million in 2021 [60]. - The operating loss for the property investment and development segment was approximately HK$82.4 million in 2022, compared to an operating profit of approximately HK$98.0 million in the previous year, primarily due to a decrease in fair value gain on investment properties of approximately HK$135.9 million [76]. - The Group's securities investment business incurred a loss of approximately HK$70.0 million in 2022, compared to a loss of approximately HK$49.6 million in 2021, with an operating loss of approximately HK$71.2 million [93]. Risk Management - The group faces operational risks due to inadequate or failed internal processes, which are managed at both divisional and departmental levels [175]. - The financial services business is subject to extensive regulations, and any changes may increase compliance requirements [177]. - The automation business operates in a highly competitive environment, facing risks from global technology companies and rapid technological changes [182]. - The group is exposed to various financial risks, including market, liquidity, and credit risks, which may significantly affect its financial position [184]. - The group continuously monitors cash flows to manage liquidity risk and maintain adequate funding for operations [189]. - Competition for human resources may hinder the company's ability to attract and retain key personnel, prompting the company to offer competitive remuneration packages [191]. Leadership and Governance - Mr. Yao Jianhui has been the Chairman and CEO since August 2015, overseeing multiple subsidiaries and serving on various committees [198]. - Mr. Li Minbin was appointed as a Non-executive Director in August 2015 and became an Executive Director in November 2015, currently serving as Vice President since January 2016 [200]. - The leadership team has extensive experience across diverse industries, including finance, technology, and real estate, which supports the company's strategic initiatives [199]. - The board includes members with significant expertise in investment and strategic planning, which is crucial for navigating market dynamics [198]. - The company emphasizes the importance of correctly interpreting market trends to ensure sustainable growth and profitability [195]. - The strategic committees led by the Chairman are pivotal in guiding the company's long-term vision and investment decisions [198]. - The company is actively involved in multiple sectors, which diversifies its risk and enhances its market presence [199].

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 何損失承擔任何責任。 （於開曼群島註冊成立的有限公司） （股份代號：01282） 二 零 二 二 年 年 度 業 績 公 告 寶 新 金 融 集 團 有 限 公 司（「本 公 司」）董 事 會（「董 事 會」）謹 此 宣 佈 本 公 司 及 其附屬公司（統稱「本集團」）截至二零二二年十二月三十一日止年度（「本 年度」）的經審核綜合業績，連同二零二一年的比較數字。 綜 合 全 面 收 益 表 截至二零二二年十二月三十一日止年度 二零二二年 二零二一年 附註 千港元 千港元 持續經營業務 收益 4 811,389 2,614,841 銷售成本 (629,214) (2,009,362) 毛利 182,175 605,479 ...