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]

| 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, ...