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 於本公告日期，執行董事為蔣斌先生、周永偉先生、顏志江先生及劉愛琴女士；非執行董事為蔣海鷹先生及蔡鎔駿先生；以及獨立 非執行董事為鄭文堅先生、楊東先生及楊章華先生。 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 | 泉州匯鑫小額貸款股份有限公司 | | 股份代號 | 01577 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年12月31日止年度之末期股息 | | 公告日期 | 2026年3月26日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 ...

Financial Performance - For the fiscal year ending December 31, 2025, the company reported a net profit of RMB 100,073,569, an increase of 3.8% from RMB 96,333,097 in 2024[4] - Basic and diluted earnings per share for 2025 were both RMB 0.15, up from RMB 0.13 in 2024, representing a growth of 15.4%[4] - The company reported a pre-tax profit of RMB 136,187,965, which is an increase of 8.4% from RMB 126,126,263 in 2024[7] - The net profit attributable to ordinary shareholders for the year ending December 31, 2025, was RMB 99,924,755, representing an increase from RMB 91,713,602 in 2024, which is a growth of about 8.5%[111] - The total income tax expense for the year ending December 31, 2025, was RMB 36,114,396, compared to RMB 29,793,166 for the previous year, reflecting an increase of approximately 21.5%[107] Assets and Liabilities - Total assets increased to RMB 1,433,591,367 in 2025, up 15.7% from RMB 1,239,109,489 in 2024[5] - The company’s total liabilities rose significantly to RMB 146,388,015, compared to RMB 17,929,706 in 2024, indicating a substantial increase in leverage[5] - The total financial liabilities as of December 31, 2025, were RMB 112,195,309, significantly increasing from RMB 6,257,087 in 2024[152] - The total amount of other payables as of December 31, 2025, was RMB 9,296,514, a decrease from RMB 9,984,250 in 2024[25] Cash Flow and Investments - The cash and cash equivalents decreased to RMB 59,327,861 from RMB 103,000,233, a decline of 42.5% year-over-year[5] - The net cash flow from investing activities for 2025 was RMB (883,786) thousand, a significant decrease from RMB (53,703,987) thousand in 2024[8] - The net cash flow from financing activities for 2025 was RMB 71,713,047 thousand, a recovery from a net cash outflow of RMB (154,923,099) thousand in 2024[8] - The company paid dividends of RMB 34,000,000 thousand in both 2025 and 2024, indicating a consistent dividend policy[8] Loan Issuance and Credit Risk - The company plans to continue expanding its loan issuance, with accounts receivable increasing to RMB 1,003,136,192, up 49.7% from RMB 670,185,381 in 2024[5] - The total loans issued as of December 31, 2025, reached RMB 1,056,251,923, significantly higher than RMB 729,008,189 in 2024, marking an increase of approximately 44.8%[113] - The expected credit loss for loans and receivables totaled RMB 13,332,678 for 2025, compared to RMB 13,145,705 in 2024, indicating an increase in credit risk provisions[100] - The company employs a centralized credit management process to manage credit risk associated with loans to SMEs, micro-enterprises, and individual entrepreneurs[155] Financial Reporting Standards - The financial statements are prepared in accordance with Hong Kong Financial Reporting Standards, ensuring compliance with local regulations[13] - The group plans to apply new and revised Hong Kong Financial Reporting Standards once they become effective, ensuring compliance with upcoming regulations[18] - The group is currently analyzing the impact of Hong Kong Financial Reporting Standard No. 18 on its financial statement presentation and disclosures[20] - The group has undergone a significant restructuring, with the dissolution of Jinjiang Huijin Investment Consulting Co., Ltd. on July 23, 2025[11] Impairment and Asset Management - Goodwill is subject to annual impairment testing, with the group conducting its annual impairment test on December 31[31] - The group’s goodwill and other asset impairment losses were RMB 7,573,423 in 2025, down from RMB 9,149,858 in 2024, suggesting improved asset performance[102] - Non-financial assets are assessed for impairment if there are indications of impairment, with recoverable amounts calculated as the higher of value in use and fair value less costs to sell[34] Lease Agreements and Liabilities - The group has multiple lease agreements for operational properties, which include renewal and termination options[121] - The total lease liabilities as of December 31, 2025, is RMB 1,767,153, reflecting new leases and interest growth during the year[122] - The total cash outflow related to leases for the year is disclosed in the financial statements, with no future cash outflows related to leases that have not yet commenced as of December 31, 2025[124] Market and Economic Conditions - The sensitivity analysis indicated that a 5% appreciation of the Renminbi would positively impact pre-tax profit by 7,317,712 in 2025[180] - The interest rate risk exposure showed a total of 954,944,488 as of December 31, 2025, with a floating rate liability of 107,519,565[184] - The company experienced a pre-tax profit impact of 1,107,500 from a 50 basis point increase in interest rates in 2025[186] Corporate Governance and Management - Total remuneration for directors and supervisors for the year ending December 31, 2025, amounted to RMB 3,216,734, with a breakdown of RMB 335,436 in salaries, RMB 2,581,025 in allowances, and RMB 300,273 in contributions to a defined contribution plan[10] - The company has not reported any significant events after the reporting period[200]

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，概不對因本公告全部或任何部分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。 Quanzhou Huixin Micro-credit Co., Ltd.* 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （ 於中華人民共和國成立的有限公司） 承董事會命 泉州匯鑫小額貸款股份有限公司 董事長 蔣斌 中國福建省，2026年3月16日 於本公告日期，執行董事為蔣斌先生、周永偉先生、顏志江先生及劉愛琴女士；非執行董事為蔣海鷹先生及 蔡鎔駿先生；以及獨立非執行董事為鄭文堅先生、楊東先生及楊章華先生。 * 僅供識別 （股份代號：1577） 董事會會議日期 泉州匯鑫小額貸款股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈，董事會將於2026 年3月26日（ 星期四 ）舉行會議，藉以（ 其中包括 ）考慮及批准本公司及其附屬公司截至2025 年12月31日止年度的年度業績，及建議派發末期股息（ 如有）。 ...

FF301 | 增加 / 減少 (-) | | | 0 | | RMB | 0 | | --- | --- | --- | --- | --- | --- | --- | | 本月底結存 | | | 180,000,000 RMB | | 1 RMB | 180,000,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | 於香港聯交所上市 (註1) | | 否 | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | 法定/註冊股份數目 | | 面值 | | 法定/註冊股本 | | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01577 | 說明 | | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | | 法定/註冊股本 | | | 上月底結存 | | | 180,0 ...

Group 1 - The stock price of Huixin Microfinance (01577.HK) closed at HKD 1.05 as of February 20, 2026, with no fluctuation over the past week, indicating a 0.00% change in the price range [1] - Technical indicators show a slight upward movement in the MACD histogram to 0.01, while the KDJ indicator is in the overbought zone (J line at 101.15), but the moving average system is in a bullish arrangement with the 20-day moving average at HKD 1.015, suggesting a lack of directional breakthrough in the short term [1] - The trading volume during the period was zero on February 16 and 20, with a continuous turnover rate of 0%, reflecting very low market attention [1] Group 2 - From February 13 to 17, 2026, the Financial Regulatory Bureau, along with multiple departments, held discussions with six major travel platforms, including Ctrip and Amap, to regulate lending marketing practices, enhance information disclosure, and protect consumers [2] - Although Huixin Microfinance was not directly involved, the tightening of regulations in the lending industry may increase compliance pressure on microfinance companies, necessitating attention to the subsequent policy impacts on small and medium financial institutions [2]

Core Viewpoint - Huixin Microfinance (01577.HK) has not reported any significant new events recently, but its historical loan agreements and the changing regulatory environment in the industry remain focal points for the market [1] Group 1: Operating Conditions - As of the announcement at the end of December 2025, Huixin Microfinance and its subsidiaries signed multiple loan agreements totaling RMB 270 million in the second quarter of 2025, with an annual interest rate of 18%. These loans have not yet been settled as of the announcement date. The repayment progress and potential credit risks of these agreements may become key points of focus in future financial reports [2] Group 2: Industry Policies and Environment - The microfinance industry is facing ongoing stringent regulations in 2026. Data shows that as of the end of September 2025, the number of microfinance companies and the loan balance nationwide are both in a shrinking trend. Additionally, relevant management guidelines require a gradual reduction in the comprehensive financing costs of newly issued loans, with some localities accelerating the exit of non-compliant institutions. Such policies may have long-term impacts on Huixin Microfinance's interest rate pricing, profit model, and compliance operations [3] Group 3: Capital Movements - In terms of market liquidity, southbound funds in early February 2026 primarily flowed into technology stocks, with the microfinance sector not receiving significant capital attention. The industry is experiencing increased differentiation, with leading institutions enhancing their strength through capital increases, while smaller institutions face pressure to exit. Huixin Microfinance needs to pay attention to the dynamics of the funding landscape [4]

FF301 第 1 頁 共 10 頁 v 1.2.0 本月底法定/註冊股本總額： RMB 680,000,000 證券代號 (如上市) N/A 說明 內資股 法定/註冊股份數目 面值 法定/註冊股本 上月底結存 500,000,000 RMB 1 RMB 500,000,000 增加 / 減少 (-) 0 RMB 0 本月底結存 500,000,000 RMB 1 RMB 500,000,000 致：香港交易及結算所有限公司 公司名稱: 泉州匯鑫小額貸款股份有限公司 (「本公司」) 呈交日期: 2026年2月2日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01577 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 180,000,000 | RMB | | 1 RMB | | 1 ...

FF301 致：香港交易及結算所有限公司 公司名稱: 泉州匯鑫小額貸款股份有限公司 (「本公司」) 呈交日期: 2026年1月7日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01577 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 180,000,000 | RMB | | 1 RMB | | 180,000,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 180,000,000 | RMB | | 1 RMB | | 180,000,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- ...

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，概不對因本公告全部或任何部分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。 Quanzhou Huixin Micro-credit Co., Ltd.* 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （ 於中華人民共和國成立的有限公司） – 1 – (1) 截至12月12日公告日期，12月12日公告所披露本公司分別於2020年11月19日、2020年 12月14日、2021年7月16日、2021年8月18日及2021年12月17日向相關客戶授出的本金 額為人民幣10.0百萬元、人民幣25.6百萬元、人民幣30.2 百萬元、人民幣10.0百萬元及 人民幣27.5百萬元的五筆貸款均已結清。 (2) 為避免日後發生類似不合規事件，本公司將實施以下補救措施： 修訂信息披露政策 （股份代號：1577） 補充公告 有關提供財務資助的 須予披露交易 茲提述本公司三份日期皆為2025年12月12日的公告（「12月12日公告」）及本公司日期為2025 年 12 月 30 日 的 公 ...

Core Viewpoint - The company has entered into multiple loan agreements with various clients, indicating ongoing lending activities and a consistent interest rate of 18% across these agreements [1] Group 1: Loan Agreements - On April 21, 2025, the company's non-wholly owned subsidiary, Jinjiang Huixin, entered into a loan agreement with Client L for a principal amount of RMB 40 million, with an annual interest rate of 18% [1] - On April 22, 2025, the company itself entered into a loan agreement with Client L for another principal amount of RMB 40 million, also at an annual interest rate of 18% [1] - On May 22, 2025, Jinjiang Huixin entered into a loan agreement with Client N for a principal amount of RMB 50 million, maintaining the same annual interest rate of 18% [1] - On June 16, 2025, Jinjiang Huixin entered into a loan agreement with individuals H, I, J, and K for a principal amount of RMB 30 million, again at an annual interest rate of 18% [1]