茲提述本公司日期為二零二五年五月七日的公佈，內容關於本公司間接全資附屬公司靄 華信貸（放貸人）與客戶甲（借款人）就提供貸款一訂立的融資協議一及補充協議（「該公 佈」）。除另有指明外，本公佈所用詞彙與該公佈所界定者具有相同涵義。 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，並明確表示概不就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。 （於開曼群島註冊成立之有限公司） （股份代號：1319） 根據上市規則第14.36條作出的公佈 由於延長貸款一的貸款期及更改利率構成對先前作出的該公佈中融資協議一（經補充協議 所補充）條款的重大更改，故本公司根據上市規則第14.36條刊發本公佈。 承董事會命 靄華押業信貸控股有限公司 主席、行政總裁兼執行董事 於二零二五年十月二十三日，靄華信貸與客戶甲訂立第二份補充協議（「第二補充協 議」），據此將補充並修訂融資協議一（經補充協議所補充），以使： 除上文所披露者外，融資協議一（經補充協議所補充）的所有其他主要條款及條件維持不 變並依然具有十足效力。 訂立第二補充協議的理由及裨益 第 ...

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9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: 靄華押業信貸控股有限公司 呈交日期: 2025年10月2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, ...

Core Viewpoint - The company, Aihua Credit (01319.HK), has announced a board meeting scheduled for October 30, 2025, to consider and approve its interim results for the six months ending August 31, 2025, along with any proposed interim dividend [1] Group 1 - The board meeting will take place on October 30, 2025 [1] - The meeting will focus on the interim performance of the company and its subsidiaries for the six months ending August 31, 2025 [1] - The company may propose an interim dividend during this meeting [1]

承董事會命 靄華押業信貸控股有限公司 公司秘書 鄭耀衡 （於開曼群島註冊成立之有限公司） （股份代號：1319） 董事會會議通知 靄華押業信貸控股有限公司（「本公司」）董事會（「董事會」）謹此公佈，董事會謹訂於二零 二五年十月三十日（星期四）舉行董事會會議，以（其中包括）考慮及批准本公司及其附屬 公司截至二零二五年八月三十一日止六個月的中期業績及建議中期股息（如有）。 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，並明確表示概不就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，二零二五年九月二十六日 於本公佈日期，董事會包括本公司執行董事陳啟豪先生（行政總裁兼主席）、陳美芳女士 及陳英瑜女士；本公司非執行董事陳啟球先生及伍紹康先生；以及本公司獨立非執行董 事林安泰先生、梁兆棋博士及葉毅博士。 ...

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8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9月4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 | | 1,000,0 ...

New Stock Activities - Companies currently in the IPO process include Jiaxin International Resources, Shuangdeng Co., and Kanglong Chemical [1] - Other companies in the IPO process are Suteng Juchuang, Jinglian Group, Binjiang Services, and Yika [1] Earnings Announcement Dates - Companies scheduled to announce earnings include Tengsheng Bo Pharmaceutical-B, Chunquan Industrial Trust, and Jinchao Yang Group [1] - Additional companies include Zaitong, China Petroleum & Chemical Corporation, Jinyuan Development International Industry, and Runli Maritime [1] - Other firms set to report earnings are New Fire Technology Holdings, Weijun Group Holdings, and Citic Bank [1] Shareholder Meetings - Companies holding shareholder meetings include Wuxi Life, China Wangwang, Cultural Communication, and Jingneng Clean Energy [1] - Additional companies include GC Construction [1] Dividend Distribution - Companies declaring dividends include Huixian Industrial Trust, Cabin, and Baotan Holdings [1] - Other firms include Pacific Shipping, China New Town, and Victory Securities [1] - Additional companies declaring dividends are Jinsang Machine Tool China, Aihua Credit, and Gaoxin Retail [1] - First Service Holdings is also listed for dividend distribution [1] Dividend Payment Dates - Companies with scheduled dividend payment dates include Midea Real Estate, China Galaxy, CITIC Securities, and China Life [2]

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7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8月7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 | | 1,000,0 ...

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，概不對因本公佈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。 謹此提述本公司於二零二五年六月二十六日刊發的通函（「通函」）及股東週年大會通告 （「通告」）。除本公佈另有界定外，本公佈所用詞彙與通函及通告所界定者具有相同涵義。 （於開曼群島註冊成立之有限公司） （股份代號：1319） 於二零二五年七月三十一日舉行的股東週年大會的結果 所有決議案由股東以投票方式在二零二五年七月三十一日的股東週年大會上通過。 由於超過50%票數贊成第一項至第七項各項決議案，因此，所有決議案於股東週年大會 上獲股東正式通過。 於股東週年大會日期，本公司的已發行股本包括1,924,308,406股股份，其中並無任何庫 存股份（包括任何持有或存放於中央結算及交收系統的庫存股份），即促使其持有人有權 出席股東週年大會並於會上對任何決議案進行投票的股份總數。概無股份促使其持有人 有權出席股東週年大會但須根據聯交所上市規則第13.40條所載放棄表決贊成任何決議 案。根據上市規則，概無股份促使其持有 ...

Group 1 - The article provides a list of companies listed on the Hong Kong stock market along with their dividend distribution dates and shareholder meeting dates [1][4][5] - Notable companies mentioned include China Railway, Green Town China, and Budweiser APAC, which are scheduled for dividend payments [4][5] - The document outlines various companies' actions regarding capital increases and dividend distributions, indicating ongoing corporate activities in the market [4][5]

Revenue Performance - Revenue decreased by 8.4% to approximately HK$164.3 million[18] - Revenue from mortgage loan receivables decreased by 22.8% to approximately HK$77.0 million[18] - Profit attributable to equity shareholders decreased by 35.3% to approximately HK$55.9 million[18] - Total revenue from the pawn loan business increased to HK$87,323,000 in 2025, up 9.2% from HK$79,559,000 in 2024[21] - Revenue from mortgage loan business decreased to HK$76,972,000 in 2025, down 22.9% from HK$99,748,000 in 2024[21] - Group's revenue decreased from approximately HK$179.3 million in FY2024 to approximately HK$164.3 million in FY2025, representing a decrease of approximately HK$15.0 million or 8.4%[80] - Revenue from pawn loan business increased by approximately HK$7.7 million or 9.7% from approximately HK$79.6 million in FY2024 to approximately HK$87.3 million in FY2025[80] Profitability Metrics - Net profit margin decreased by 14.2 percentage points to 34.0%[18] - Operating profit margin dropped to 41.8% in 2025, down from 61.0% in 2024[24] - The Group's profit for FY2025 decreased to approximately HK$55.9 million from approximately HK$86.4 million in FY2024, representing a decrease of approximately HK$30.5 million or 35.3%[107][111] - Return on total assets decreased to 4.7% in 2025, compared to 7.3% in 2024[36] - The net profit margin fell to 34.0% in 2025, down from 48.2% in 2024[30] - The effective tax rate decreased from approximately 16.3% in FY2024 to approximately 13.6% in FY2025[106][110] Loan Performance - Gross pawn loan receivables increased by 5.2% to approximately HK$189.9 million[18] - Total amount of new pawn loans granted increased by 6.5% to approximately HK$872.0 million[18] - Total amount of new mortgage loans granted decreased by 36.4% to approximately HK$217.0 million[18] - Average amount of mortgage loans granted decreased by 20.5% to approximately HK$3.1 million[18] - Gross loan receivables decreased to HK$870,645,000 in 2025, down from HK$949,978,000 in 2024[24] - Average month-end balance for gross mortgage loans receivables decreased from approximately HK$821.9 million in FY2024 to approximately HK$714.3 million in FY2025[81] Impairment and Losses - Impairment losses recognized on loan receivables increased to approximately HK$46.3 million in FY2025 from approximately HK$15.1 million in FY2024[97] - Impairment losses on mortgage receivables for FY2025 were approximately HK$41.7 million, compared to HK$15.1 million in FY2024, indicating a significant increase in impairment losses[102][108] - During FY2025, the Group recognized impairment losses of approximately HK$4.6 million on pawn loan receivables, representing further impairment on previously impaired agreements[155] Financial Ratios and Position - Current ratio improved to 18.1 in 2025, up from 11.1 in 2024[24] - Gearing ratio improved to 4.3% in 2025, down from 7.7% in 2024[24] - The current ratio improved from 11.1x as at 29 February 2024 to 18.1x as at 28 February 2025, primarily due to repayments of bank loans and debt securities totaling approximately HK$36.0 million[136] - The gearing ratio decreased from 7.7% as at 29 February 2024 to 4.3% as at 28 February 2025, attributed to the repayment of bank loans and debt securities[137] Cash Flow and Financing - Cash and cash equivalents (net of bank overdraft) amounted to approximately HK$215.7 million as of February 28, 2025, representing a net increase of approximately HK$45.1 million compared to February 29, 2024[123] - Net cash generated from operating activities increased significantly to HK$151.8 million for the year ended 28 February 2025, compared to HK$72.1 million for the year ended 29 February 2024[124] - The increase in cash was attributed to a decrease in revenue by approximately HK$15.0 million and an increase in impairment losses recognized on loan receivables by approximately HK$31.2 million, offset by an increase in other income of approximately HK$7.0 million[114][115] - The Group's future operations and capital requirements will be mainly financed through bank loans, retained earnings, and share capital[119][121] Market and Strategic Insights - The Hong Kong property market saw a decline in residential property prices by 7.0% in 2024, impacting local loan demand[79] - The second-hand luxury market remained resilient, particularly for luxury watches, supporting the growth of the pawn loan business[68] - The Group's strategic offshore expansion has started to realize profitability, contributing to overall profit growth during the year[55] - The Directors anticipate a cautious trajectory for the Hong Kong property market, with strategic partnerships aimed at entering the real estate private credit investment management sector[188] Employee and Operational Insights - For FY2025, the total employee cost, including directors' remuneration, was approximately HK$33.8 million, an increase from approximately HK$31.7 million in FY2024[175] - The Group has continued to invest in advertising and promotion to enhance brand exposure, generating demand for pawn loan services exceeding HK$0.1 million[69] - The Group's management emphasizes maintaining effective communication and good relationships with employees, customers, and stakeholders to achieve medium to long-term goals[176] Dividends and Investments - The recommended final dividend is HK$0.81 cents per ordinary share, along with an interim dividend of HK$0.64 cents per share, totaling 49.94% of the profit attributable to shareholders for FY2025[197] - The Group does not have any present plans for material investments and capital assets beyond what is disclosed in the annual report[187] - The Group has an investment commitment of approximately HK$73.8 million related to a capital contribution obligation for an unlisted fund as at 28 February 2025[131]