霭华押业信贷(01319)发布公告，伍绍康先生因希望将更多时间投入其他个人承担已辞任本公司非执行 董事，由2025年11月30日起生效。 麦肇仪女士已获委任为本公司非执行董事，由2025年12月1日起生效。 ...

（於開曼群島註冊成立之有限公司） 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。 （股份代號：1319） 變更董事 董事會謹此宣佈以下事項︰ 1. 伍紹康先生已辭任本公司非執行董事，由二零二五年十一月三十日起生效；及 2. 麥肇儀女士已獲委任為本公司非執行董事，由二零二五年十二月一日起生效。 董事會欣然宣佈麥肇儀女士（「麥女士」）已獲委任為本公司非執行董事，由二零二五年十 二月一日起生效。 麥女士，52歲，在金融服務行業的合規、營運、結算及賬戶管理方面擁有逾30年經驗， 具備監管合規、反洗錢、認識你的客戶及營運管理專業知識。麥女士曾於香港金融業多 家公司擔任多個高級職位，包括鴻鵬資本證券有限公司、千里碩證券有限公司及金杏資 非執行董事之辭任 靄華押業信貸控股有限公司（「本公司」）董事會（「董事會」）謹此宣佈，伍紹康先生（「伍先 生」）因希望將更多時間投入其他個人承擔已辭任本公司非執行董事，由二零二五年十一 月三十日起生效。 伍先生已確認彼與董事會並無意 ...

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 ...

Revenue and Profitability - Revenue decreased by 5.7% to approximately HK$82.0 million[18] - Profit attributable to equity shareholders increased by 25.7% to approximately HK$38.4 million[18] - Net profit margin increased by 11.7 percentage points to 46.8%[18] - The Group's profit for FP2026 increased to approximately HK$38.4 million from approximately HK$30.5 million in FP2025, representing an increase of approximately HK$7.9 million or 25.7%[61] - Earnings per share increased to HK$2.0, up from HK$1.6, reflecting a growth of 25%[108] - Profit from operations increased to HK$46,591,000, up 22.3% from HK$38,082,000 in the previous year[108] - Profit before taxation rose to HK$44,696,000, representing a 24.3% increase compared to HK$35,962,000 in the prior period[108] Loan and Interest Income - Total amount of new pawn loans granted increased by 14.6% to approximately HK$472.7 million[18] - Interest income from the mortgage loan business was approximately HK$33.6 million, accounting for approximately 41.0% of total revenue[21] - Interest income from the pawn loan business increased by approximately 4.5% to HK$39.4 million[25] - Interest income from mortgage loan receivables was HK$33,598,000, a decrease of 23.1% compared to HK$43,684,000 in 2024[138] - Revenue from pawn loan business generated interest income of HK$33,846,000, slightly down from HK$33,985,000 in the previous year[138] Operating Expenses and Costs - Operating expenses decreased by approximately HK$1.6 million or 5.6%, from approximately HK$28.5 million in FP2025 to approximately HK$26.9 million in FP2026[43] - Staff costs slightly decreased by approximately HK$0.4 million or 2.7%, from approximately HK$14.8 million in FP2025 to approximately HK$14.4 million in FP2026[43] - Total operating expenses for the six months ended August 31, 2025, were HK$24,451,000, a decrease of 5.0% from HK$25,744,000 in 2024[151] - Finance costs decreased by approximately HK$0.2 million or 9.5% from approximately HK$2.1 million in FP2025 to approximately HK$1.9 million in FP2026, primarily due to the full settlement of debt securities issued on or before 28 February 2025[48] Asset and Liability Management - Principal of gross loan receivables decreased by 4.7% to approximately HK$829.3 million[18] - Total current assets as of August 31, 2025, were HK$1,113,843,000, compared to HK$1,082,252,000 as of February 28, 2025[111] - Cash and cash equivalents increased to HK$293,288,000 from HK$215,655,000, showing a significant rise of 36%[111] - Loan receivables decreased to HK$806,251,000 from HK$848,448,000, a decline of 5%[111] - Total liabilities increased to HK$63,028,000 from HK$59,745,000, reflecting a rise of 5.7%[111] - The total net loan receivables at amortized cost amounted to HK$670,401,000 as of August 31, 2025, down from HK$717,107,000 as of February 28, 2025[175] Impairment and Credit Losses - The charge for impairment losses on loan receivables was approximately HK$10.9 million in FP2026, measured based on the requirement under HKFRS 9[49] - Impairment losses recognized on mortgage receivables were approximately HK$11.7 million in FP2026, reflecting impairments on several first mortgage loans due to a noticeable decline in property prices[50] - Impairment losses recognized for the six months ended August 31, 2025, were approximately HK$10.9 million, a significant decrease from HK$24.5 million for the same period in 2024[176] - The Group wrote off approximately HK$5.4 million in expected credit losses as of August 31, 2025, due to borrower defaults, compared to no write-offs in the same period in 2024[177] Market Outlook and Strategic Initiatives - The Board maintains a cautiously optimistic outlook on the property market, anticipating a gradual recovery in residential property prices in Hong Kong[89][93] - The Group has partnered with PACM Group to establish a fund, entering the real estate private credit investment management sector, and will explore expansion opportunities in local and overseas markets[95][97] - The Group will continue to review strategic shop locations and consider potential acquisitions within established pawn businesses to enhance customer experience and operational profitability[96][97] - The Board remains vigilant to potential downside risks stemming from external shocks and domestic market developments[94][93] Cash Flow and Dividends - During FP2026, net cash inflow from operating activities amounted to approximately HK$96.4 million, mainly due to a decrease in loan receivables by approximately HK$36.2 million[72] - The net cash outflow from financing activities amounted to approximately HK$21.3 million for FP2026, primarily due to dividend payments of approximately HK$15.6 million and finance costs of approximately HK$1.2 million[73][77] - The company declared a final dividend of HK$15,587 for the period, compared to HK$14,649 in the previous year, reflecting an increase of about 6.4%[119] - The net increase in cash and cash equivalents for the six months ended August 31, 2025, was HK$77,633, significantly higher than HK$17,309 in 2024, indicating a growth of approximately 348.5%[119]

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]