| 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]

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 ...