FF301 | 呈交日期: | 2025年9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 | | | | 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 | | ...

Core Viewpoint - 汇鑫小贷 (01577.HK) reported a decrease in interest income while showing an increase in net profit attributable to shareholders for the six months ending June 30, 2025 [1] Financial Performance - Interest income, net, amounted to RMB 51.4677 million, representing a year-on-year decrease of 12.3% [1] - Total interest income was RMB 51.4976 million, reflecting a year-on-year decline of 12.7% [1] - Net profit attributable to shareholders was RMB 43.0142 million, which is a year-on-year increase of 29.4% [1] - Basic earnings per share stood at RMB 0.06 [1]

汇鑫小贷(01577)公布2025年中期业绩，利息收入净额约5146.77万元，同比减少12.29%;母公司拥有人应 占溢利约4301.42万元，同比增长29.36%;每股收益0.06元。 ...

Core Viewpoint - Huixin Small Loan (01577) reported a decrease in net interest income for the first half of 2025, while showing an increase in profit attributable to the parent company [1] Financial Performance - Net interest income amounted to approximately 51.47 million yuan, representing a year-on-year decrease of 12.29% [1] - Profit attributable to the parent company was approximately 43.01 million yuan, reflecting a year-on-year increase of 29.36% [1] - Earnings per share stood at 0.06 yuan [1]

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） （股份代號：1577） 截至2025年6月30日止六個月的 中期業績公告 泉州匯鑫小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈，本公司 及其附屬公司（「本集團」、「我們」或「我們的」）截至2025年6月30日止六個月（「報告期間」） 根據香港會計師公會頒佈的香港財務報告準則（「香港財務報告準則」）編製的未經審核中期 業績（「中期業績」），連同2024年同期的比較數字。董事會及本公司審計委員會（「審計委員 會 」）已 審 閱 並 確 認 中 期 業 績 。 除 另 行 指 明 者 外 ， 本 公 告 所 載 全 部 金 額 均 以 人 民 幣（「 人 民 幣」）為單位。 – 1 – 中期業績 | | | ...

格隆汇8月15日丨汇鑫小贷(01577.HK)宣布，董事会将于2025年8月27日（星期三）举行会议，藉以（其 中包括）考虑及批准本公司及其附属公司截至2025年6月30日止六个月的中期业绩，及建议派发中期股 息（如有）。 ...

Quanzhou Huixin Micro-credit Co., Ltd. * 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之任何損 失承擔任何責任。 董事長 蔣斌 中國福建省，2025年8月15日 於本公告日期，本公司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。 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 * 僅供識別 （ 於中華人民共和國成立的有限公司） （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2025 年8月27日（ 星期三 ）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6月30日止六個月的中期業績，及建議派發中期股息（ 如有）。 承董事會命 泉州匯鑫小額貸款股份有限公司 ...

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: | 2025年8月1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 ...

Financial Performance - For the year ended December 31, 2024, the company's net interest income was RMB 112.3 million, and net profit was RMB 96.3 million, with a loan balance reaching RMB 727.7 million[8]. - The total amount of loans granted to customers was RMB 888.2 million, generating interest income of RMB 112.7 million during the reporting period[13]. - The company's capital net amount decreased from RMB 1,268.5 million in 2023 to RMB 1,221.2 million in 2024, while the loan to capital net amount ratio improved from 0.73 times to 0.60 times[13]. - The loan principal balance decreased from RMB 925.9 million as of December 31, 2023, to RMB 727.7 million as of December 31, 2024, due to adjustments in loan scale in response to changes in credit policies[15]. - The company reported a significant increase in overdue loans primarily due to temporary cash flow difficulties faced by borrowers[21]. - The overdue loan balance rose to RMB 190.1 million in 2024, representing 26.0% of the total loan balance, up from RMB 108.3 million or 11.7% in 2023[21]. - The non-performing loan ratio improved to 3.7% as of December 31, 2024, down from 7.9% as of December 31, 2023, primarily due to the recovery of RMB 455 million in substandard loans[27]. - The provision coverage ratio increased significantly to 216.9% as of December 31, 2024, compared to 92.8% in the previous year, indicating a stronger buffer against potential loan losses[26]. - Interest income from loans decreased to RMB 112.7 million in 2024 from RMB 140.2 million in 2023, reflecting a decline in the outstanding balance of non-performing loans[32]. - Net profit increased from RMB 76.2 million in 2023 to RMB 96.3 million in 2024, with profit attributable to equity holders rising from RMB 64.8 million to RMB 91.7 million[48]. Loan Portfolio and Risk Management - The proportion of revolving loans increased to 72.3% in 2024, compared to 67.9% in 2023, while term loans decreased to 27.7% from 32.1%[17]. - The company has a significant portion of its loans secured, with 52.0% backed by collateral in 2024, compared to 41.1% in 2023[18]. - Loans with a maturity of less than one year accounted for 94.4% of the total loan balance as of December 31, 2024[20]. - The loan portfolio includes a diverse range of borrowers, with 44.8% of loans being less than RMB 1 million in 2024[22]. - The company has implemented a comprehensive risk assessment system to ensure steady improvement in loan quality[9]. - The company faces various risks including credit risk, foreign exchange risk, interest rate risk, price risk, and liquidity risk[126]. - The company has established risk management and internal control systems to monitor operations and compliance, but cannot guarantee the detection of non-compliance events[126]. Economic Environment and Strategic Outlook - The external economic environment remains uncertain due to geopolitical conflicts and trade protectionism, impacting domestic economic stability[8]. - The global economy is expected to maintain stable growth into 2025, with developed economies like the US and Europe experiencing a slight slowdown, while emerging markets such as China and India continue to show strong growth[86]. - Domestic economic operation shows positive factors, but insufficient domestic demand remains the biggest constraint[86]. - The government will continue to strengthen macroeconomic regulation, deepen reform and opening up, and expand domestic demand to promote high-quality economic development[86]. - The company plans to innovate financial products to meet diverse customer needs and expand customer channels to enhance brand influence[86]. - The company aims to improve service efficiency and optimize customer experience while strengthening team building and enhancing professional capabilities[86]. Corporate Governance and Compliance - The company has complied with all major regulatory capital requirements and lending limits as of December 31, 2024, ensuring adherence to financial regulations[29]. - The company has established three board committees: the audit committee, the remuneration committee, and the nomination committee to oversee various matters[197]. - The company is committed to maintaining high levels of corporate governance and protecting shareholder rights, fully complying with the corporate governance code during the reporting period[196]. - The supervisory board has verified the financial statements for the year ending December 31, 2024, and believes they fairly reflect the group's financial position and operating performance[190]. - The company has received annual independence confirmations from all independent non-executive directors, affirming their independence[147]. - The company has a strong focus on strategic advice from its board members, including Jiang Haiying and Cai Rongjun, who have over 30 years of combined experience in business management[95][96]. Shareholder and Capital Structure - The proposed final dividend for the year ending December 31, 2024, is RMB 0.05 per share, subject to shareholder approval at the annual general meeting on June 12, 2025[133]. - As of December 31, 2024, the company has a total of 680,000,000 shares issued, including 180,000,000 H shares and 500,000,000 domestic shares[156]. - The major shareholder, Fujian Qipiwolf Group, owns 203,932,000 domestic shares, accounting for 40.79% of the relevant class of shares and 29.99% of the total issued share capital[157]. - The company has not engaged in any buybacks, sales, or redemptions of its listed securities during the year ending December 31, 2024[142]. Employee and Operational Insights - The company actively engages in team building and professional development to improve employee skills and knowledge[9]. - The number of employees as of December 31, 2024, was 51, all based in China, with compensation aligned with local laws and regulations[84]. - Total operating and management expenses decreased from RMB 24.0 million in 2023 to RMB 23.0 million in 2024, mainly due to reduced employee costs[41]. Acquisitions and Investments - The company completed the acquisition of a 23.0% equity stake in Jinjiang Huixin for a total consideration of RMB 82.96 million, which will continue to be consolidated in the financial statements[80]. - The company completed the acquisition of 24% equity in Huizhi Xin for approximately RMB 185 million, enhancing control over its assets and business strategies[176]. - The company also acquired 23.04% equity in Jinjiang Huixin for approximately RMB 829.6 million, which is expected to strengthen its competitive advantage in the financial market[179].

Financial Performance - For the fiscal year ending December 31, 2024, the company reported net interest income of RMB 112,301,709, a decrease of 19.4% from RMB 139,378,944 in 2023[4] - The company achieved a net profit of RMB 96,333,097, representing a 26.4% increase compared to RMB 76,189,735 in the previous year[4] - The basic and diluted earnings per share for the year were both RMB 0.13, an increase from RMB 0.10 in the previous year[4] - The pre-tax profit for 2024 was RMB 126,126,263, up from RMB 99,569,043 in 2023, reflecting a growth of 26.6%[7] - Interest income for 2024 was $112,739,941, a decrease of 19.6% from $140,179,323 in 2023[99] - Net interest income for 2024 was $112,301,709, down from $139,378,944 in 2023, reflecting a decline of 19.5%[99] - Total impairment losses for loans and receivables in 2024 amounted to $13,145,705, a significant decrease of 49.9% from $26,197,544 in 2023[100] - Total revenue from government grants in 2024 was $3,641,074, up from $3,027,697 in 2023, representing an increase of 20.2%[102] - Current income tax expense for 2024 was $17,585,612, a decrease of 40.3% from $29,663,792 in 2023[106] Assets and Liabilities - The total assets of the company as of December 31, 2024, amounted to RMB 1,239,109,489, down from RMB 1,302,877,545 in 2023, indicating a decrease of 4.9%[5] - The company’s total liabilities decreased to RMB 17,929,706 from RMB 34,356,033, a reduction of 47.8%[5] - The company’s cash and cash equivalents decreased to RMB 103,000,233 from RMB 111,484,915, reflecting a decline of 7.1%[5] - The total cash and cash equivalents at the end of 2024 were RMB 103,000,233, down from RMB 111,484,915 at the end of 2023, a decrease of 7.6%[8] - The total amount of loans issued decreased to RMB 729,008,189 in 2024 from RMB 928,988,756 in 2023, a reduction of 21.5%[113] - The net value of loans receivable after impairment provisions was RMB 670,185,381 in 2024, down from RMB 861,548,743 in 2023, indicating a decrease of 22.2%[113] - The total liabilities at amortized cost decreased to RMB 6,257,087 in 2024 from RMB 15,794,439 in 2023, highlighting a reduction in financial obligations[152] - The total deferred tax assets as of December 31, 2024, amounted to RMB 24,990,778, a decrease from RMB 33,047,862 as of December 31, 2023, reflecting a reduction of approximately 24.5%[130] - The net deferred tax liabilities as of December 31, 2024, were RMB (4,607,807), compared to RMB (457,337) as of December 31, 2023, indicating a significant increase in liabilities[131] Investments and Acquisitions - The company acquired an additional 24% stake in Huizhi Xin for RMB 185,500,000, increasing its ownership to 99%[13] - In June 2024, the company completed the acquisition of a 23% stake in Jinjiang Huixin for RMB 829,600,000, raising its ownership to 99.8%[13] - The company acquired all shares of Sichuan Xianpai in April 2024, resulting in the addition of property and machinery valued at $769,703[117] - Investments in subsidiaries increased significantly to $423,278,345 in 2024 from $340,888,345 in 2023, reflecting a growth of approximately 24.1%[200] Goodwill and Impairment - The company’s goodwill impairment loss was RMB 9,149,858, which was not present in the previous year[4] - The company reported a goodwill impairment of RMB 9,149,858 in 2024, indicating potential challenges in asset valuation[7] - Goodwill is initially measured at cost, which includes the transferred consideration and any fair value of previously held equity interests, exceeding the fair value of identifiable net assets acquired[31] - Impairment losses related to goodwill cannot be reversed in subsequent periods[32] Cash Flow and Financing - The company's operating cash flow for 2024 reached RMB 200,199,788, a significant increase of 195.5% compared to RMB 67,607,784 in 2023[7] - The net cash flow from investing activities was RMB (53,703,987) in 2024, compared to RMB (9,355,462) in 2023, indicating a substantial increase in cash outflow[8] - The company reported a net cash flow from financing activities of RMB (154,923,099) in 2024, which is a significant increase from RMB (77,845,293) in 2023[8] - The company has paid a deposit of RMB 10 million to the bankruptcy administrator of Sichuan Haoji Food Group for participation in the restructuring process, which was initiated in October 2024[134] Financial Reporting Standards - The consolidated financial statements are prepared based on Hong Kong Financial Reporting Standards and presented in Renminbi[14] - The group has adopted revised Hong Kong Financial Reporting Standards for the first time this year, with no impact on the financial position or performance[18] - The group will apply new and revised Hong Kong Financial Reporting Standards once they become effective, with further details provided[20] - The group assesses control over subsidiaries based on voting rights and other contractual arrangements[17] Credit Risk and Management - The company maintained a strict control over outstanding loans to mitigate credit risk, with 92.9% of loans being secured loans as of December 31, 2024[114] - The company evaluates credit impairment based on both quantitative and qualitative factors, including significant adverse changes in the debtor's financial situation[162] - The expected credit loss calculation involves parameters such as default probability, loss given default, and exposure at default[164] - The company monitors the credit quality of loans closely and utilizes measures such as the sale of impaired loans to mitigate overall credit risk[172] Dividends - The company proposed a dividend payment of RMB 34,000,000 to shareholders, consistent with the previous year[6] - The company plans to propose a final dividend of approximately RMB 34.0 million, subject to shareholder approval at the upcoming annual general meeting[107] Miscellaneous - The company did not appoint a CEO during the year, which may impact future strategic decisions[103] - The company has no significant contingent liabilities or major contractual commitments as of December 31, 2024, suggesting a stable risk profile[150][151] - The company did not report any significant events after the reporting period, indicating stability in operations[199]