目錄 | 公司資料 | 1 | | --- | --- | | 主席報告書 | 2 | | 首席執行官函件 | 4 | | 管理層討論及分析 | 7 | | 董事會及高級管理層 | 22 | | 企業管治報告 | 27 | | 董事會報告 | 38 | 財務業績 | 獨立核數師報告 | 52 | | --- | --- | | 綜合全面收益表 | 60 | | 綜合財務狀況表 | 61 | | 綜合權益變動表 | 62 | | 綜合現金流量表 | 64 | | 綜合財務報表附註 | 65 | | 五年財務資料概要 | 155 | 公司資料 董事會 執行董事 馬廷雄先生 （主席） 廖世宏先生 （首席執行官） 廖世強先生 （首席運營官） 薛嵐女士 非執行董事 葉家祺先生 獨立非執行董事 Chen Derek先生 Chen Penghui先生 方遠先生 審核委員會 方遠先生 （主席） Chen Derek先生 Chen Penghui先生 葉家祺先生 薪酬委員會 Chen Penghui先生 （主席） Chen Derek先生 方遠先生 廖世宏先生 提名委員會 馬廷雄先生 （主席） Chen Derek先生 Che ...

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，概不對因本公告的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。 VCREDIT Holdings Limited 維信金科控股有限公司 （以 存 續 方 式 於 開 曼 群 島 註 冊 成 立 的 有 限 公 司） （股份代號：2003） 截至2024年12月31日止年度的 年度業績公告 維信金科控股有限公司（「本公司」）董事（「董事」）會（「董事會」）宣佈本公司及其附屬 公司（統稱「本集團」）截至2024年12月31日止年度（「本年度」）的經審核綜合業績。 財務摘要 | | 截至12月31日止年度 | | | | --- | --- | --- | --- | | | 2024年 | 2023年 | 變動 | | | 人民幣百萬元 | 人民幣百萬元 | | | 總收入 | 3,929.7 | 3,569.5 | 10.1% | | 利息及類似收入 | 1,968.2 | 1,477.3 | 33.2% | | 減：利息支出 | (345.1) | (327.6) ...

REDI 维信金科 VCREDIT Holdings Limited 維信金科控股有限公司 (以存續方式於開曼群島註冊成立的有限公司) 股份代號: 2003 2024 中 期 報 告 目錄 | --- | --- | |--------------------------|-------| | | | | 公司資料 | 1 | | 首席執行官函件 | 2 | | 管理層討論及分析 | 5 | | 其他資料 | 18 | | 中期財務資料審閱報告 | 24 | | 中期簡明綜合全面收益表 | 25 | | 中期簡明綜合財務狀況表 | 27 | | 中期簡明綜合權益變動表 | 28 | | 中期簡明綜合現金流量表 | 30 | | 中期簡明綜合財務資料附註 | 31 | 公司資料 | --- | --- | |-------------------------------------------------------------------------|-----------------------------------------------------------------------------| | ...

Revenue and Profit Performance - Total revenue for the first half of 2024 was RMB 1,738.4 million, a decrease of 9.3% compared to the same period in 2023[1] - Net profit for the first half of 2024 was RMB 120.3 million, a decrease of 60.2% compared to the same period in 2023[1] - The company's total revenue for the first half of 2024 decreased by 9.3% year-over-year to RMB 1,738.4 million, primarily due to reduced loan facilitation under credit-enhanced and pure loan facilitation models[12] - Operating profit declined by 60.4% to RMB 154.4 million, impacted by reduced loan volumes, cautious strategies in uncertain macroeconomic conditions, and increased overdue rates[25] - Net profit decreased by 60.2% to RMB 120.3 million, consistent with the decline in operating profit[26] - Total revenue for the first half of 2024 decreased to RMB 1,738,357 thousand, down 9.3% from RMB 1,917,607 thousand in the same period of 2023[46] - Operating profit for the first half of 2024 declined to RMB 154,417 thousand, down 60.3% from RMB 389,497 thousand in the same period of 2023[46] - Profit attributable to owners of the company for the first half of 2024 was RMB 120,343 thousand, down 60.2% from RMB 302,113 thousand in the same period of 2023[46] - Basic earnings per share for the first half of 2024 were RMB 0.25, down 59.7% from RMB 0.62 in the same period of 2023[47] - Basic earnings per share (EPS) for the first half of 2024 were RMB 0.25, down from RMB 0.62 in the same period of 2023, with diluted EPS also at RMB 0.25[63] Interest Income and Expenses - Interest income increased by 38.0% to RMB 1,068.3 million in the first half of 2024[1] - Net interest income increased by 38.0% to RMB 1,068.3 million, driven by higher average outstanding loan balances under the trust loan model[14] - Interest expenses rose by 10.0% to RMB 193.3 million due to increased average borrowing balances, partially offset by a decrease in the weighted average interest rate[14] - Net interest income for the first half of 2024 increased to RMB 874,986 thousand, up 46.2% from RMB 598,541 thousand in the same period of 2023[46] - Net interest income increased to RMB 874,986 thousand in the first half of 2024, up from RMB 598,541 thousand in the same period of 2023[56] Loan Facilitation and Customer Metrics - Loan facilitation service fees decreased by 15.0% to RMB 939.6 million in the first half of 2024[1] - The company's loan realization volume reached RMB 27.02 billion in the first half of 2024[4] - Repeat loan customers accounted for 89.5% of total loan volume in the first half of 2024[5] - Cumulative registered users reached 149.1 million by June 2024, a 9.8% increase compared to the same period in 2023[5] - The company's total loan facilitation volume for the first half of 2024 was RMB 27,023.1 million, with credit-enhanced loan facilitation accounting for 58.9% of the total[8] - The outstanding loan balance for online consumer products as of June 30, 2024, was RMB 26,602.9 million[6] - The average loan size for credit products during the period was approximately RMB 11,936, with an average loan term of 10.1 months[6] - The top five borrowers accounted for only 0.003% of the total loan balance as of June 30, 2024, with the largest borrower representing 0.001%[6] - Loan facilitation service fees decreased to RMB 939,624 thousand in the first half of 2024, compared to RMB 1,105,334 thousand in the first half of 2023[57] - New loan facilitation business generated an increase of RMB 1,196,504 thousand in guarantee receivables for the first half of 2024, compared to RMB 1,674,123 thousand in the same period of 2023[73] Delinquency and Risk Management - The first payment delinquency rate in Q2 2024 decreased by 29.6% compared to Q4 2023, dropping to 0.50%[7] - The delinquency rate for loans overdue by more than three months increased to 3.82% in Q2 2024, up from 2.98% in Q4 2023[9] - The delinquency rate for loans overdue by one to three months was 4.47% in Q2 2024, showing a slight improvement from 4.62% in Q1 2024[9] - The company will continue to optimize its credit solutions and enhance risk management capabilities through AI technology[11] - Credit impairment losses amounted to RMB 144,149 thousand in the first half of 2024, slightly lower than RMB 148,258 thousand in the same period of 2023[60] Business Expansion and Partnerships - The company has established long-term partnerships with 109 external funding partners as of June 2024[5] - The company launched the AI model "Golden Crow Model" in the first half of 2024, enhancing operational efficiency and customer service quality[4] - The company expanded its consumer finance business in Hong Kong through its brand "CreFIT" and partnered with China Mobile Hong Kong in May 2024[5] - The company plans to expand its business by seeking investment, cooperation, or acquisition opportunities in Hong Kong, Southeast Asia, and Europe[11] - The company acquired a 15.0% stake in Thousand Whales Technology (BVI) Limited through two transactions totaling HKD 16.0 million in 2024[44] Expenses and Cost Management - Other expenses of RMB 76.2 million were recorded, compared to other income of RMB 213.7 million in the same period last year, mainly due to increased overdue rates and guarantee losses[19] - Realization and service expenses decreased by 22.5% to RMB 626.0 million, reflecting lower customer acquisition costs due to reduced scale, partially offset by increased loan collection fees[21] - Sales and marketing expenses increased by 12.3% to RMB 24.1 million, driven by higher employee benefits and brand expenses for new business development[22] - General and administrative expenses decreased by 3.0% to RMB 162.2 million, attributed to improved operational efficiency[23] - Research and development expenses decreased by 1.9% to RMB 57.0 million, as the company streamlined processes and improved efficiency through continued investment in technology[24] - Total expenses, including realization and service expenses, sales and marketing expenses, general and administrative expenses, and R&D expenses, decreased to RMB 869,173 thousand in the first half of 2024 from RMB 1,054,345 thousand in the first half of 2023[59] Financial Position and Cash Flow - The fair value of customer loans measured at fair value through profit or loss increased by 2.0% from RMB 6,504.4 million as of December 31, 2023, to RMB 6,637.1 million as of June 30, 2024, primarily due to an increase in trust model loan disbursements[32] - Contract assets decreased by 18.0% from RMB 465.4 million as of December 31, 2023, to RMB 381.5 million as of June 30, 2024, mainly due to a 37.4% decrease in credit-enhanced and pure matching model loan disbursements[34] - Guarantee receivables decreased by 24.2% from RMB 1,317.0 million as of December 31, 2023, to RMB 998.7 million as of June 30, 2024, while guarantee liabilities decreased by 33.3% from RMB 1,533.9 million to RMB 1,023.6 million over the same period[34] - The total amount due to trust plan holders increased by 3.1% from RMB 4,999.1 million as of December 31, 2023, to RMB 5,151.8 million as of June 30, 2024, driven by increased loan disbursements through the trust loan model[36] - The company's cash and cash equivalents increased by RMB 494.2 million to RMB 1,390.6 million as of June 30, 2024, compared to RMB 896.7 million as of December 31, 2023[40] - Net cash inflow from operating activities decreased by RMB 109.0 million to RMB 469.6 million for the six months ended June 30, 2024, compared to RMB 578.6 million for the same period in 2023[40] - Net cash inflow from financing activities was RMB 11.1 million for the six months ended June 30, 2024, compared to a net cash outflow of RMB 959.4 million for the same period in 2023[41] - Cash and cash equivalents as of June 30, 2024, increased to RMB 1,390,228 thousand, up 55.1% from RMB 896,534 thousand as of December 31, 2023[49] - Total assets as of June 30, 2024, were RMB 11,741,462 thousand, down 1.6% from RMB 11,934,463 thousand as of December 31, 2023[49] - Total liabilities as of June 30, 2024, were RMB 7,498,234 thousand, down 3.4% from RMB 7,765,873 thousand as of December 31, 2023[49] - Cash and bank balances increased to RMB 1,390,228 thousand as of June 30, 2024, up from RMB 896,534 thousand as of December 31, 2023, driven by a significant increase in bank cash to RMB 1,378,720 thousand[66] - Contract assets decreased to RMB 381,500 thousand as of June 30, 2024, from RMB 465,408 thousand as of December 31, 2023, after accounting for expected credit loss provisions[70] - Guarantee receivables decreased to RMB 998,698 thousand as of June 30, 2024, from RMB 1,317,024 thousand as of December 31, 2023, with expected credit loss provisions of RMB 171,937 thousand[72] - Guarantee liabilities decreased to RMB 1,023,571 thousand as of June 30, 2024, from RMB 1,533,883 thousand as of December 31, 2023, with new loan facilitation business contributing RMB 1,196,504 thousand[74] - Total borrowings increased to RMB 5,691,001 thousand as of June 30, 2024, compared to RMB 5,471,888 thousand as of December 31, 2023[76] - The asset-liability ratio decreased to 63.9% as of June 30, 2024, from 65.1% as of December 31, 2023, a reduction of 1.2%[78] - The consolidated debt-to-equity ratio improved to 1.6x as of June 30, 2024, compared to 1.7x as of December 31, 2023[78] - The remaining funding for consolidated trust plans was RMB 5.62 billion as of June 30, 2024, up from RMB 5.49 billion as of December 31, 2023[79] - The company had RMB 357.9 million in cash deposits pledged as collateral for bank loans as of June 30, 2024[42] - The weighted average interest rate for borrowings and preferred notes decreased to 6.6% for trust plan holder payables as of June 30, 2024, from 8.3% as of December 31, 2023[38] - Borrowings due within 1 year increased to RMB 2,657,941 thousand as of June 30, 2024, from RMB 2,339,608 thousand as of December 31, 2023[76] - Borrowings due within 1 to 2 years decreased to RMB 3,033,060 thousand as of June 30, 2024, from RMB 3,132,280 thousand as of December 31, 2023[76] - The interest rate range for trust plan payables was 4.90%~9.00% as of June 30, 2024, down from 5.00%~10.50% as of December 31, 2023[76] Other Financial Metrics - Other income/(expenses) showed a loss of RMB 76,253 thousand in the first half of 2024, compared to a gain of RMB 213,732 thousand in the same period of 2023[58] - Other net income increased to RMB 21,686 thousand in the first half of 2024, up from RMB 7,943 thousand in the first half of 2023[60] - Income tax expense decreased to RMB 32,198 thousand in the first half of 2024, compared to RMB 85,859 thousand in the same period of 2023, with deferred tax increasing to RMB 133,555 thousand from RMB 95,412 thousand[62] - The company adopted new and revised standards effective from January 1, 2024, with no significant impact on its financial position or performance[53] - The company expects to adopt new and revised standards in the future, with no significant impact anticipated on its financial position or performance[54] Corporate Governance and Shareholder Information - The company's registered office is located at Harneys Fiduciary (Cayman) Limited, 4th Floor, Harbour Place, 103 South Church Street, P.O. Box 10240, Grand Cayman KY1-1002, Cayman Islands[50] - The company's shares have been listed on the Hong Kong Stock Exchange since June 21, 2018, with 489,459,789 shares issued as of June 30, 2024[50] - The company did not recommend an interim dividend for the period ending June 30, 2024, compared to an interim dividend of 15 HK cents per share for the same period in 2023[81][85] - The company had 843 employees as of June 30, 2024[86] - The company currently has no plans for other significant investments or capital assets[45] - The company has sufficient resources to meet foreseeable working capital needs, considering available borrowing facilities and internal resources[84]

Business Expansion and Market Strategy - The company successfully launched a new consumer finance brand "CreFIT Weixin" in Hong Kong in 2023 and agreed to acquire Banco Português de Gestão, S.A. (BPG) to expand into the Portuguese and broader European markets[9] - The company successfully obtained a money lender license in April 2023 and officially launched the Hong Kong-based consumer finance brand "CreFIT" in September 2023, with its first product "CreFIT Card Loan" receiving a high app rating of 4.6 out of 5[49] - The company has reached an agreement to acquire Banco Português de Gestão, S.A., a credit institution registered with the Bank of Portugal, and is currently undergoing standard regulatory approval processes[49] - The company is focusing on expanding its consumer lending business outside of mainland China, particularly in Hong Kong, Southeast Asia, and Europe, leveraging its AI-driven credit assessment and risk management technologies[51] - The company plans to seek investment, cooperation, or acquisition opportunities in Hong Kong, Southeast Asia, and Europe to expand its business strategy[200] Financial Performance and Metrics - Operating expenses (excluding share-based compensation) increased by 22.6% from RMB 1,679.4 million in 2022 to RMB 2,058.3 million in 2023[15] - Net interest income decreased from RMB 1,922.14 million in 2022 to RMB 1,477.30 million in 2023, while interest expenses decreased from RMB 529.16 million to RMB 327.65 million, resulting in a total net interest income of RMB 1,149.65 million in 2023[10] - Total revenue for 2023 was RMB 3,569.5 million, a 14.4% increase from RMB 3,119.3 million in 2022[26] - Loan facilitation service fees increased to RMB 2,240,958 thousand from RMB 1,564,359 thousand in the previous year[71] - The company's operating profit for the year was RMB 604,845 thousand, compared to RMB 695,120 thousand in the previous year[71] - Annual profit for the year was RMB 453,911 thousand, down from RMB 532,471 thousand in the previous year[71] - Basic earnings per share for the year were RMB 0.93, compared to RMB 1.09 in the previous year[71] - Total revenue for 2023 reached RMB 3,569.5 million, a 14.4% increase compared to RMB 3,119.3 million in 2022[182] - Interest income decreased by 23.1% to RMB 1,477.3 million in 2023 from RMB 1,922.1 million in 2022[182] - Loan facilitation service fees increased by 43.3% to RMB 2,241.0 million in 2023 from RMB 1,564.4 million in 2022[182] - Net profit for 2023 was RMB 453.9 million, a 14.8% decrease compared to RMB 532.5 million in 2022[182] - Non-IFRS adjusted net profit for 2023 was RMB 455.6 million, a 15.2% decrease compared to RMB 537.4 million in 2022[182] - Interest expenses decreased by 38.1% to RMB 327.6 million in 2023 from RMB 529.1 million in 2022[182] - Other income increased by 10.5% to RMB 178.8 million in 2023 from RMB 161.9 million in 2022[182] - Operating profit for 2023 was RMB 604.8 million, a 13.0% decrease compared to RMB 695.1 million in 2022[182] - Non-IFRS adjusted operating profit for 2023 was RMB 606.5 million, a 13.4% decrease compared to RMB 700.1 million in 2022[182] Loan Facilitation and Credit Services - The company's loan facilitation volume reached a historical high in 2023, supported by mature risk management capabilities and long-term return-driven customer acquisition strategies[14] - Total loan facilitation in 2023 reached RMB 75.25 billion, a significant increase of 44.2% compared to RMB 52.19 billion in 2022[24] - Outstanding loan balance as of December 31, 2023, exceeded RMB 34.47 billion, up 37.5% from RMB 25.07 billion at the end of 2022[24] - Loan facilitation through the loan matching model reached RMB 63.15 billion, accounting for 83.9% of the total loan facilitation, up 60.8% from RMB 39.27 billion in 2022[25] - The company established effective cooperation with 104 external funding partners by the end of 2023, including 24 national joint-stock commercial banks, consumer finance companies, and trust funds[25] - The company is transitioning to higher-quality borrowers, leveraging multi-dimensional data to improve credit risk models and enhance customer segmentation accuracy[6] - The company is committed to investing in AI-driven technology and proprietary credit risk models to optimize operations and expand credit services to meet diverse financing needs[14] - The company introduced a more comprehensive customer feature dimension to better construct target customer risk profiles[196] - The company established a partnership with a leading data company in the second half of 2023 to improve precision customer acquisition capabilities[196] Risk Management and Asset Quality - The first payment default rate rose to 0.71% in Q4 2023, while the 1-3 month delinquency rate and over 3-month delinquency rate increased to 5.07% and 2.98% respectively by the end of 2023[20] - The company continues to optimize its risk management framework, with improvements in asset quality observed in early 2024 for newly facilitated loans[20] - Credit impairment losses increased to RMB 344.6 million in 2023 from RMB 129.5 million in 2022, primarily due to increased loan volume under the credit enhancement matching model[26] - The company implemented a "disconnected direct link" for credit data to better protect customer privacy and information security[37] - The company employs different collection methods based on the stage of delinquency, ranging from automated reminders and AI calls in the early stage to legal actions and third-party collections for overdue loans exceeding 90 days[149] User Growth and Customer Engagement - Cumulative registered users grew to 144.1 million in 2023, a 13.6% increase from the previous year[24] - Repeat borrowers accounted for 85.1% of the total loan volume in 2023[24] - Cumulative registered users reached 144 million in 2023, a 13.6% increase compared to 2022[196] - Repeat loan customers accounted for 85.1% of total loan volume in 2023[196] - The total number of transactions in 2023 was 6.4 million[197] - The average loan size was approximately RMB 11,748 with an average loan term of 10.0 months[197] - The top five borrowers' outstanding principal totaled RMB 1,031,518, accounting for 0.003% of the total loan balance as of December 31, 2023[197] - The largest borrower's outstanding principal was RMB 209,072, representing approximately 0.001% of the total loan balance as of December 31, 2023[197] Technology and Innovation - The company launched the new VOS (Weixin Business System) platform in the first half of 2023, significantly improving R&D efficiency through streamlined business modules and optimized system architecture[1] - The company launched an AI-powered online customer service robot, achieving a customer self-service resolution rate of 97%[33] Corporate Governance and Board Activities - The company proposed a final dividend of HK$0.10 per share for 2023, subject to shareholder approval[19] - The company held a total of four board meetings during the year, with satisfactory attendance rates, demonstrating the board's timely attention to company affairs[96] - The board retains decision-making authority on key matters, including long-term goals and strategies, expansion into new business areas, major acquisitions and disposals, and approval of interim and final results[98] - The company ensures that questions or requests from directors are promptly addressed, with all directors having access to the company secretary's advice and services[101] - The board delegates daily management, administration, and operational powers and responsibilities to the senior management team led by the CEO[117] - The audit committee reviews and monitors financial reporting procedures, financial controls, internal controls, and risk management systems, and advises the board on the appointment, reappointment, and removal of external auditors[118] - Non-executive directors, including independent non-executive directors, currently constitute a majority of the board, providing significant independence to the board's judgment and decision-making[121] - The board receives monthly management reports on the group's business and financial performance and holds regular meetings at least four times a year to review operational, financial, and business performance[123] - The company's second amended and restated articles of association stipulate that one-third of the board members must retire by rotation at each annual general meeting, with each director required to retire at least once every three years[124] - The audit committee held two meetings to review the annual financial statements for the year ended December 31, 2022, and the interim financial statements for the six months ended June 30, 2023, as well as the adequacy and effectiveness of the group's internal audit, risk management, and internal control systems[133] - The nomination committee held one meeting to review the board's structure, size, and composition, including skills, knowledge, experience, and diversity, as well as the independence of independent non-executive directors[134] - The remuneration committee held one meeting to review and recommend adjustments to directors' fees and remuneration, and to grant the CEO the authority to determine senior management remuneration[135] - The company has received annual independence confirmation from each independent non-executive director, and the board believes all independent non-executive directors meet the independence guidelines under Listing Rule 3.13[136] - Directors have completed annual training on their duties and responsibilities, including updates on Listing Rules and Securities and Futures Ordinance requirements[138] - The board is responsible for maintaining a risk management and internal control system suitable for the group's business and reviewing its effectiveness[147] - The board has received confirmation from management on the effectiveness of the risk management and internal control systems for the year[150] Financial Position and Assets - Total assets increased to RMB 11,934.46 million in 2023 from RMB 10,103.44 million in 2022, reflecting growth in the company's financial position[84] - The fair value of customer loans was RMB 6,504.42 million as of December 31, 2023, with a fair value loss of RMB 574.08 million recognized in the comprehensive income statement[80] - The company's total liabilities rose to RMB 7,765.87 million in 2023, up from RMB 6,277.70 million in 2022, driven by increased borrowings and other liabilities[84] - Cash and cash equivalents decreased to RMB 896.53 million in 2023 from RMB 1,592.37 million in 2022, indicating a reduction in liquid assets[84] - The company's accumulated losses improved to RMB (1,859.72) million in 2023 from RMB (2,313.63) million in 2022, reflecting a reduction in losses[84] - The fair value of financial investments measured at fair value through profit or loss decreased to RMB 148.70 million in 2023 from RMB 243.53 million in 2022[84] - The company's total equity increased to RMB 4,168.59 million in 2023 from RMB 3,825.74 million in 2022, driven by improved reserves and reduced accumulated losses[84] - The company's borrowings increased to RMB 5,471.89 million in 2023 from RMB 4,331.33 million in 2022, reflecting higher debt levels[84] - The company's deferred tax assets increased to RMB 522.22 million in 2023 from RMB 342.46 million in 2022, indicating higher potential tax benefits[84] - The company's restricted cash increased to RMB 652.24 million in 2023 from RMB 514.94 million in 2022, reflecting higher cash reserves held under restrictions[84] Strategic Goals and Future Plans - The company will continue to optimize its business strategy and enhance technical capabilities to meet the financial needs of high-quality customers[200] - The company's CreFIT brand aims to help Hong Kong residents repay credit card debt without damaging their credit ratings, reflecting its mission to "guard credit health"[49]

購買、贖回或出售本公司的上市證券 在本公告日期，董事會組成包括馬廷雄先生為主席及執行董事；廖世宏先生和廖世強先生為執行董事； 葉家祺先生為非執行董事；而Chen Derek先生、Chen Penghui先生和方遠先生為獨立非執行董事。 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，概不對因本公告的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。 VCREDIT Holdings Limited 維信金科控股有限公司 （以存續方式於開曼群島註冊成立的有限公司） （股份代號：2003） 截至2023年12月31日止年度的 年度業績公告 維信金科控股有限公司（「本公司」）董事（「董事」）會（「董事會」）宣佈本公司及其附屬 公司（統稱「本集團」）截至2023年12月31日止年度（「本年度」）的經審核綜合業績。 財務摘要 截至12月31日止年度 | --- | --- | --- | --- | |--------------------------------------|--------------|-------- ...

5.3 營運風險 中期簡明綜合財務資料附註 中期簡明綜合財務資料附註 中期簡明綜合財務資料附註 | --- | --- | --- | |------------------------------------------------------|-------------------------------------------------|--------------------------------------------| | | 於 2023 年 6 月 30 日 人民幣千元 （未經審核） | 於 2022 年 12月31 日 人民幣千元 （經審核） | | 無擔保 (i) | 4,667,981 | 5,226,433 | | 已抵押 | 18 4,667,999 | 4,038 5,230,471 | | 以公允價值計量且其變動計入損益的客戶貸款的合約期限： | 於 2023 年 6 月 30 日 人民幣千元 （未經審核） | 於 2022年 12月31 日 人民幣千元 （經審核） | | 1年內（含 1 年） | 4,643,936 | 5,227,719 | | 1至2 年（含2年） 2 ...

2 編製基準 股份自2018年6月21日起以首次公開發售（「首次公開發售」）方式在香港聯合交易所有限公司主板 上市。於首次公開發售完成後，本公司所有已發行在外的可轉換可贖回優先股已按一對一基準轉 換為股份。於2023年6月30日，已發行股份數目為489,459,789股，每股股份面值為0.10港元。 9 其他收益淨額 於2023年 6月30日 於2022年 12月31日 人民幣千元 人民幣千元 （未經審核） （經審核） 15 擔保應收款項及擔保負債 16 其他利益持有人所持有的權益列入應付信託計劃持有人的款項。 32 本公司設立多項股份獎勵計劃，務求為合資格人士提供以股份為基礎的激勵及獎勵。 3.1 新訂及經修訂準則—2023年1月1日起適用 11.3 非國際財務報告準則經調整每股股份基本盈利按非國際財務報告準則經調整淨利潤分別除 以期內及同期已發行股份加權平均數計算。 以公允價值計量且其變動計入損益的客戶貸款的剩餘合約期限： | --- | --- | --- | |----------------------------|---------------------------|-------------- ...

廖世宏先生為本公司執行董事兼首席運營官廖世強先生的胞兄。 (以存續方式於開曼群島註冊成立的有限公司) 股份代號: 2003 10809.0 y organ 目錄 | --- | --- | |--------------------|-------| | | | | 主席報告書 | 2 | | 首席執行官函件 | 4 | | 管理層討論及分析 | 7 | | 董事會及高級管理層 | 22 | | 企業管治報告 | 26 | | 董事會報告 | 37 | 59 63 | --- | --- | |----------------------------------------------------------------------------|------------------------------------------------------------------------------------------------| | | | | 董事 會 | 總辦事處及主要營業地點 | | 執行董 事 | 香港金鐘道 88 號 | | 馬廷雄先 生 （主席） 廖世宏先 生 （首席執行官） 廖世強先 生 ...

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，概不對因本公告的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。 截至2022年12月31日止年度的 年度業績公告 財務摘要 附註： (2) 非國際財務報告準則經調整淨利潤定義分別為本年度及截至2021年12月31日止年度不包含以股份 為基礎的薪酬費用的淨利潤。更多詳情，請參閱「管理層討論及分析 — 非國際財務報告準則計量」 一節。 董事會建議派付末期股息每股本公司股份（「股份」）10港仙（「末期股息」），惟須待 本公司股東（「股東」）於預期在2023年6月16日（星期五）舉行的本公司股東週年大會 （「股東週年大會」）上批准後方可作實（2021年：15港仙）。 業務回顧及展望 業務回顧 COVID-19疫情相關措施的轉變對我們的業務模式造成顯著影響。本年度大部分時間均 實施清零政策，2022年上半年上海等城市實行封城措施，最終於本年度末轉為全國大 幅放寬COVID-19防疫措施。我們成功調整業務策略及模式，克服COVID-19防疫政策轉 變所帶來的不同挑戰及風險。 ...