FF301 | 680,000,00 | | --- | 本月底法定/註冊股本總額： RMB 680,000,000 | 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 | | 本月底結存 | | | 180,000,000 RMB | | 1 | RMB | | 180,000,000 | | --- | --- | --- | --- | --- | --- | --- ...

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。 於 本 公 告 日 期 ， 七 匹 狼 財 務 由 福 建 七 匹 狼 集 團（ 主 要 股 東 ）及 福 建 七 匹 狼 實 業（ 一 間 於 深 圳證券交易所上市的公司（ 股份代碼：002029 ））分別直接擁有65%及35%權益。福建七匹 狼實業由福建七匹狼集團、周永偉先生（ 主要股東 ）、周少雄先生及周少明先生分別擁有 36.76% 、2.28%、3.32% 及1.87%權益。因此，根據上市規則，七匹狼財務為本公司的關 連人士。故此，本集團與七匹狼財務訂立金融服務框架協議及其項下擬進行的交易構成 本公司於上市規則第14A章項下的持續關連交易。 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） 有關金融服務框架協議的持續關連交易 金融服務框架協議 於2 ...

Financial Performance - The company reported a significant increase in revenue, achieving a total of RMB 500 million for the first half of 2025, representing a 20% growth compared to the same period last year[10]. - The company has set a future outlook with a revenue target of RMB 1 billion for the full year 2025, indicating a projected growth rate of 15%[10]. - The management highlighted a focus on improving operational efficiency, targeting a reduction in costs by 5% through process optimization[10]. - The company reported a net profit margin of 15% for the first half of 2025, an improvement from 12% in the same period last year[10]. - Net profit for the six months ended June 30, 2024, was RMB 36.6 million, increasing to RMB 43.1 million for the six months ended June 30, 2025[46]. - The net profit for the period was RMB 43,114,844, representing an increase of 17.5% compared to RMB 36,630,845 in the prior year[107]. - The pre-tax profit for the six months ended June 30, 2025, was RMB 57,182,342, an increase from RMB 46,719,170 in the same period of 2024, representing a growth of approximately 22.5%[111]. User Growth and Market Expansion - User data indicates a rise in active clients, with the number increasing to 150,000, up from 120,000 in the previous year, marking a 25% increase[10]. - The company plans to expand its market presence by entering two new provinces in China by the end of 2025, aiming for a 10% market share in these regions[10]. - A strategic acquisition of a local fintech firm is in progress, which is anticipated to boost the company's technological capabilities and customer base by 40%[10]. Loan and Credit Management - The total amount of loans granted to customers reached RMB 703.6 million for the six months ended June 30, 2025, generating interest income of RMB 51.5 million[12]. - The loan principal balance increased from RMB 727.7 million as of December 31, 2024, to RMB 980.7 million as of June 30, 2025, primarily due to increased funding needs from businesses[15]. - The overdue loan principal amount increased from RMB 190.1 million as of December 31, 2024, to RMB 193.2 million as of June 30, 2025, representing 26.0% and 19.7% of the total outstanding loan principal, respectively[19]. - The composition of loans by type as of June 30, 2025, included 72.4% revolving loans and 27.6% term loans[16]. - The company had 27 overdue loans totaling RMB 193.2 million as of June 30, 2025, with a provision for impairment losses of RMB 50.2 million[19]. - The company’s provision for impairment losses increased due to the downgrade of certain loans from "watch" to "substandard" status, with substandard loans rising from RMB 4.0 million to RMB 9.9 million[21]. - The non-performing loan ratio decreased from 3.7% as of December 31, 2024, to 3.2% as of June 30, 2025, attributed to the expansion of the loan portfolio[23]. Financial Position and Assets - The total assets as of June 30, 2025, amounted to RMB 1,322.6 million, while total liabilities were RMB 92.4 million, resulting in a net asset position of RMB 1,230.3 million[167]. - The company’s capital equity remained stable at RMB 680.0 million as of both June 30, 2025, and December 31, 2024[12]. - The total outstanding loans increased from RMB 729,008 thousand as of December 31, 2024, to RMB 982,748 thousand as of June 30, 2025[22]. - The company’s total liabilities rose to RMB 92,350,926, compared to RMB 17,929,706 at the end of 2024, indicating a substantial increase[108]. - The company’s cash and cash equivalents decreased from RMB 103.0 million as of December 31, 2024, to RMB 36.4 million as of June 30, 2025, mainly due to an increase in loan balances[55]. Investment and Income - Net investment income increased significantly from RMB 12.4 million in the six months ended June 30, 2024, to RMB 25.4 million in the six months ended June 30, 2025, mainly due to unrealized gains of RMB 23.2 million on financial assets held at fair value[40]. - The company reported a significant reduction in impairment losses on loans and receivables, decreasing from RMB 17,734,199 in 2024 to RMB 9,723,298 in 2025, a decline of 45.2%[107]. - The total income from other sources was RMB 2,326,402 for the six months ended June 30, 2025, down from RMB 4,543,054 in 2024, a decrease of about 49%[123]. Corporate Governance and Compliance - The company has fully complied with the corporate governance code during the reporting period[91]. - The audit committee reviewed the accounting principles and practices adopted by the group, with no disagreements noted by the auditors[100]. - The board confirmed no knowledge of any circumstances requiring disclosure under the listing rules[92]. - The company maintains a high level of corporate governance to protect shareholder interests[91]. Shareholder Information - As of June 30, 2025, Mr. Zhou Yongwei holds 203,932,000 shares, representing 40.79% of the controlled company's equity and 29.99% of the total issued share capital[82]. - The total issued share capital is 680,000,000 shares, which includes 180,000,000 H shares and 500,000,000 domestic shares[84]. - The company did not recommend any interim dividend for the six months ending June 30, 2025[98]. - The total equity ownership of major shareholders includes significant stakes from various entities, indicating a concentrated ownership structure[86].

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]

Group 1 - The core point of the article is that 汇鑫小贷 (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] - The net interest income was approximately 51.47 million yuan, representing a year-on-year decrease of 12.29% [1] - The 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 were reported at 0.06 yuan [1]

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]

Financial Performance - For the six months ended June 30, 2025, the company reported net interest income of RMB 51,467,692, a decrease of 12.3% from RMB 58,679,128 in the same period of 2024[4] - The company recorded a net profit of RMB 43,114,844, representing an increase of 17.6% compared to RMB 36,630,845 for the same period in 2024[4] - The company’s basic and diluted earnings per share for the period were both RMB 0.06, compared to RMB 0.05 for the same period in 2024[4] - For the six months ended June 30, 2025, the pre-tax profit was RMB 57,182,342, an increase from RMB 46,719,170 in the same period of 2024, representing a growth of approximately 22.5%[8] - Total revenue for the six months ended June 30, 2025, was RMB 43,014,177, up from RMB 33,251,157 in 2024, marking an increase of 29.4%[27] Assets and Liabilities - The total assets of the company as of June 30, 2025, amounted to RMB 1,322,645,553, an increase of 6.7% from RMB 1,239,109,489 at the end of 2024[5] - The company’s total liabilities increased to RMB 92,350,926, compared to RMB 17,929,706 at the end of 2024, indicating a significant rise in financial obligations[5] - The company’s cash and cash equivalents decreased to RMB 36,368,173 from RMB 103,000,233 at the end of 2024, reflecting a decline of 64.8%[5] - The total amount of loans issued as of June 30, 2025, was RMB 982,747,680, an increase from RMB 729,008,189 as of December 31, 2024, reflecting a growth of 34.7%[29] - The total expected credit loss provision as of December 31, 2024, was RMB 59.0 million, which decreased to RMB 60.4 million by June 30, 2025[33] Cash Flow - The net cash flow used in operating activities for the six months ended June 30, 2025, was RMB (105,775,910), compared to RMB 118,664,866 in 2024, indicating a significant decline[8] - The net cash flow used in investing activities was RMB (443,442) for the six months ended June 30, 2025, a substantial decrease from RMB (53,211,950) in 2024[9] - The net cash flow generated from financing activities was RMB 39,582,212 for the six months ended June 30, 2025, compared to a net cash outflow of RMB (28,486,468) in 2024[9] Loans and Receivables - The company’s loan and receivables increased significantly to RMB 922,515,995, up 37.5% from RMB 670,185,381 at the end of 2024[5] - The company provided loans and receivables decreased by RMB 251,051,495 in the first half of 2025, contrasting with an increase of RMB 96,399,577 in the same period of 2024[8] - The total amount of loans granted to customers reached RMB 703.6 million for the six months ended June 30, 2025[68] - The loan principal balance increased from RMB 727.7 million as of December 31, 2024, to RMB 980.7 million as of June 30, 2025, driven by increased corporate funding needs[71] - The company reported a non-performing loan ratio of 3.2% as of June 30, 2025, down from 3.7% as of December 31, 2024, attributed to the expansion of the loan portfolio[81] Investment Performance - The net investment income increased to RMB 25,389,612, a substantial rise from RMB 12,387,004 in the same period of 2024, indicating improved investment performance[4] - Investment income increased from RMB 12.4 million for the six months ended June 30, 2024, to RMB 25.4 million for the six months ended June 30, 2025, driven by unrealized gains of RMB 23.2 million from financial assets held at fair value[101] Dividends - The company declared a dividend of RMB 34,000,000 during the period, consistent with the previous year[6] - The company approved a dividend of RMB 0.05 per share, totaling RMB 34 million, for the year ended December 31, 2024, which was distributed on August 15, 2025[23] - The company did not recommend an interim dividend for the six months ended June 30, 2025[24] Regulatory Compliance - The company adheres to regulatory capital requirements, with a registered capital of no less than RMB 100 million and a debt-to-net capital ratio limit of 100%[82] - The company complied with the revised 70% regulation regarding the ratio of outstanding loans to a single borrower to total outstanding loans[88] Other Financial Metrics - The company’s interest income primarily comes from loans and receivables, with net interest income of RMB 51.5 million for the six months ended June 30, 2025[89] - The average actual annual interest rate on non-performing loans decreased from 13.8% to 12.6% during the same period, mainly due to lower interest rates on new loans issued[93] - The provision coverage ratio for loan losses was 190.0% as of June 30, 2025, compared to 216.9% as of December 31, 2024[79] Company Structure and Operations - The company’s main business involves providing loans and financial consulting services to small and micro enterprises, as well as local entrepreneurs[10] - The company holds a 100% ownership in several subsidiaries, including 泉州匯鑫行投資有限責任公司, which focuses on investment advisory services[11] - The company has not conducted segment analysis as nearly all revenue is derived from microloan operations, indicating a focus on overall performance rather than product segmentation[16] Market Outlook - The outlook for 2025 indicates stable global economic growth, with China expected to maintain steady growth despite potential slowdowns[134]

Group 1 - The company Huixin Microfinance (01577.HK) announced that its board will hold a meeting on August 27, 2025, to consider and approve the interim results for the six months ending June 30, 2025, and to propose an interim dividend if applicable [1]

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 ...