Oi Wah Pawnshop Credit Holdings Limited 靄華押業信貸控股有限公司 (Incorporated in the Cayman Islands with limited liability) （於開曼群島註冊成立之有限公司） (Stock Code 股份代號: 1319) N O T I F I C AT I O N L E T T E R 通 知 信 函 Dear Non-registered Shareholder(Note 1) , Oi Wah Pawnshop Credit Holdings Limited (the "Company") Yours faithfully, For and on behalf of Oi Wah Pawnshop Credit Holdings Limited Chan Kai Ho Edward Chairman, Chief Executive Officer and Executive Director 各位非登記股東( 附 註 1)： 靄華押業信貸控股有限公司(「本公司」) – 2025 中期報告（「本次公司通訊文件」）之發 ...

Oi Wah Pawnshop Credit Holdings Limited 靄華押業信貸控股有限公司 (Incorporated in the Cayman Islands with limited liability) （於開曼群島註冊成立之有限公司） (Stock Code 股份代號: 1319) N O T I F I C AT I O N L E T T E R 通 知 信 函 Dear Registered Shareholder, Oi Wah Pawnshop Credit Holdings Limited (the "Company") – Notice of Publication of Interim Report 2025 (the "Current Corporate Communication(s)") The English and Chinese versions of the Company's Current Corporate Communication (s) are available on the Company's website at www.pawnshop ...

中期報告 INTERIM REPORT 2025 Oi Wah Pawnshop Credit Holdings Limited 中期報告 Contents 目錄 Contents 目錄 靄 華 押 業 信 貸 控 股 有 限 公 司 (Incorporated in the Cayman Islands with limited liability) （於開曼群島註冊成立之有限公司） Stock Code 股份代號 : 01319 www.pawnshop.com.hk Oi Wah Pawnshop Credit Holdings Limited 靄華押業信貸控股有限公司 Interim Report 2025 non-executive director Mr. Chan Kai Kow Macksion Mr. Ng Siu Hong independent non-executive directors Dr. Leung Shiu Ki Albert Dr. Yip Ngai Mr. Lam On Tai board coMMitteeS 2 Company Information 公司資料 5 ...

Core Insights - As of November 10, a total of 108 stocks reached their 52-week highs, with notable performers including Taijin Holdings (08321), OKURA HOLDINGS (01655), and Hejia Holdings (00704) achieving high rates of 125.00%, 84.90%, and 53.57% respectively [1] Summary by Category 52-Week Highs - Taijin Holdings (08321) closed at 0.620 with a peak price of 0.900, marking a 125.00% increase - OKURA HOLDINGS (01655) reached a closing price of 0.280 and a high of 0.355, reflecting an 84.90% rise - Hejia Holdings (00704) had a closing price of 0.345 and a peak of 0.430, showing a 53.57% increase - Other notable stocks include Sanhe Chemical (00301) with a 41.67% increase and Aide New Energy (02623) with a 36.25% rise [1] 52-Week Lows - Wangshan Wangshui-B (02630) recorded a closing price of 52.850 and a low of 51.000, resulting in a -21.84% decrease - Eight Horses Tea (06980) had a closing price of 52.850 and a low of 51.100, reflecting a -10.98% decline - New Enjoy Times (08519) reached a low of 0.270, marking a -10.00% drop - Other significant declines include Jiujiang Bank (06190) at -8.99% and Kun Group (00924) at -6.98% [3][4]

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: 靄華押業信貸控股有限公司 呈交日期: 2025年11月5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) | 01319 | 說明 | 靄華押業信貸 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 100,000,000,000 | HKD | | 0.01 HKD | | 1,000,000,000 | | 增加 / 減少 (-) | | | | | | HKD | | | | 本月底結存 | | | 100,000,000,000 | HKD | | 0.01 HKD | | 1,000,000,000 | 本月底法定/註 ...

Core Viewpoint - The company reported a decline in revenue but an increase in net profit, indicating a potential shift in operational efficiency or cost management strategies [1] Financial Performance - Revenue for the six months ending August 31, 2025, was HKD 82.016 million, a decrease of 5.7% year-on-year [1] - Shareholders' profit amounted to HKD 38.381 million, reflecting a year-on-year increase of 25.7% [1] - Basic earnings per share were HKD 0.02, with an interim dividend proposed at HKD 0.01 per share [1]

Core Viewpoint - The company reported a decline in revenue while achieving significant growth in net profit, indicating a potential shift in operational efficiency or cost management strategies [1] Financial Performance - Revenue for the six months ending August 31, 2025, was HKD 82.016 million, a decrease of 5.7% year-on-year [1] - Shareholders' profit attributable to the company was HKD 38.381 million, reflecting a year-on-year increase of 25.7% [1] - Basic earnings per share were HKD 0.02, with a proposed interim dividend of HKD 0.01 per share [1]

Core Viewpoint - Aihua Credit (01319.HK) reported a decline in revenue but an increase in net profit for the six months ending August 31, 2025, indicating a potential shift in operational efficiency despite lower sales [1] Financial Performance - Revenue for the period was approximately RMB 82.016 million, representing a year-on-year decrease of 5.7% [1] - Net profit for the same period was approximately RMB 38.311 million, showing a year-on-year increase of 25.7% [1] - Basic earnings per share were reported at 2 Hong Kong cents [1]

| EF001 | | --- | | 發行人所發行上市權證/可轉換債券的相關信息 | | | --- | --- | | 發行人所發行上市權證/可轉換債券 | 不適用 | | 其他信息 | | | 其他信息 | 不適用 | | 發行人董事 | | | 於本公佈日期，董事會包括 | | | 執行董事 | | | 陳啟豪先生（主席兼行政總裁） | | | 陳美芳女士 | | | 陳英瑜女士 | | | 非執行董事 | | | 陳啟球先生 | | | 伍紹康先生 | | | 獨立非執行董事 | | | 林安泰先生 | | | 梁兆棋博士 | | | 葉毅博士 | | EF001 免責聲明 | 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 | 靄華押業信貸控股有限公司 | | 股份代號 | 01319 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 ...

Revenue and Profitability - Revenue for the six months ended August 31, 2025, was HKD 82,016,000, a decrease of 5.7% compared to HKD 87,000,000 in the same period of 2024[3] - Profit before tax increased by 24.3% to HKD 44,696,000 from HKD 35,962,000 year-on-year[3] - Net profit attributable to shareholders rose by 25.7% to HKD 38,381,000 compared to HKD 30,535,000 in the previous year[3] - Basic earnings per share increased to HKD 2.0 from HKD 1.6[4] - Operating profit for the period was HKD 46,591,000, up from HKD 38,082,000 in the previous year[4] - Total revenue for the six months ended August 31, 2025, was HKD 82,016,000, down 5.67% from HKD 87,000,000 in the same period of 2024[14] - The company's profit attributable to shareholders for the six months ended August 31, 2025, was HKD 38,381,000, compared to HKD 30,535,000 for the same period in 2024, representing a year-over-year increase of 25.5%[22] Assets and Liabilities - Total assets increased by 1.8% to HKD 1,204,437,000 from HKD 1,183,020,000[5] - Total equity rose by 2.1% to HKD 1,130,772,000 compared to HKD 1,107,978,000[6] - Total loans receivable amounted to HKD 829,331,000, down 4.7% from HKD 870,645,000[3] - Total liabilities, including accrued expenses and other payables, increased to HKD 6,351,000 as of August 31, 2025, from HKD 4,378,000 as of February 28, 2025[36] Cash Flow and Investments - Cash and cash equivalents increased to HKD 293,288,000 from HKD 215,655,000[5] - Net cash generated from operating activities for the six months ended August 31, 2025, was HKD 96,428,000, compared to HKD 98,824,000 in 2024, reflecting a decline of 2.42%[8] - Net cash used in investing activities for the six months ended August 31, 2025, was HKD 2,463,000, a significant improvement from a net cash outflow of HKD 35,846,000 in 2024[8] - Net cash used in financing activities for the six months ended August 31, 2025, was HKD 21,258,000, a reduction of 53.38% from HKD 45,669,000 in 2024[8] - The net increase in cash and cash equivalents for the six months ended August 31, 2025, was HKD 77,633,000, compared to HKD 17,309,000 in 2024, representing a substantial increase[8] Operating Performance - Operating cash flow before changes in working capital for the six months ended August 31, 2025, was HKD 60,358,000, a decrease of 3.95% from HKD 63,617,000 in the same period of 2024[8] - Interest income from pawn loans for the six months ended August 31, 2025, was HKD 33,846,000, slightly down from HKD 33,985,000 in 2024[14] - The cost of sold recovered assets for the six months ended August 31, 2025, was HKD 27,100,000, compared to HKD 31,400,000 in 2024, indicating a decrease of 13.06%[14] - Revenue from pawn loan operations increased by approximately HKD 5.1 million or 11.8% to about HKD 48.4 million[53] Credit and Risk Management - The company recognized a credit loss expense of approximately HKD 10,900,000 for the six months ended August 31, 2025, a significant decrease from HKD 24,500,000 for the same period in 2024[28] - The company’s expected credit loss provision for loans over one month overdue was approximately HKD 36,800,000 as of August 31, 2025, up from HKD 31,300,000 as of February 28, 2025[29] Dividends and Shareholder Returns - The interim dividend declared for the six months ended August 31, 2025, is HKD 0.01 per share, compared to HKD 0.0064 per share for the same period in 2024, representing a 56.25% increase[39] - The company reported a mid-term dividend of HKD 0.01 per share, amounting to approximately HKD 19,200,000, which represents about 50.1% of the profit attributable to shareholders for the fiscal year 2026[84] Strategic Developments - The company has established a strategic partnership with PACM Group to set up a fund, marking its entry into the real estate private credit investment management sector[75] - The board remains cautiously optimistic about the property market in Hong Kong, anticipating a gradual recovery in residential property prices, contingent on stable economic conditions[75] - The company will continue to review strategic store locations and explore potential acquisition opportunities within its existing pawn business to enhance customer experience[75] Operational Efficiency - Operating expenses decreased by approximately HKD 1,600,000 or 5.6% from HKD 28,500,000 in FY2025 to HKD 26,900,000 in FY2026[56] - Employee costs slightly decreased by approximately HKD 400,000 or 2.7% from HKD 14,800,000 in FY2025 to HKD 14,400,000 in FY2026[56] - Other operating expenses decreased by approximately HKD 1,100,000 or 14.1% from HKD 7,800,000 in FY2025 to HKD 6,700,000 in FY2026, mainly due to a reduction in bank fees[57] - Financing costs decreased by approximately HKD 200,000 or 9.5% from HKD 2,100,000 in FY2025 to HKD 1,900,000 in FY2026[58] Market Conditions and Future Outlook - The group will continue to monitor global and local economic developments and adjust mortgage loan rates and loan-to-value ratios accordingly[51] - There have been no significant events affecting the company's business after August 31, 2025[86]