EF001 第 2 頁 共 2 頁 v 1.1.1 免責聲明 | 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。 | 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 | | --- | --- | | | 股票發行人現金股息公告 | | 發行人名稱 | K Cash集團有限公司 | | 股份代號 | 02483 | | 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日止年度的末期股息 | | 公告日期 | 2026年3月24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 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 股 0.078 HKD | | 股東批准日期 | 2026年5月18日 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | 每 股 0.078 ...

Financial Performance - Interest income for the year ended December 31, 2025, was HKD 345,118,000, an increase of 22.6% from HKD 281,597,000 in 2024[2] - Net profit for the year ended December 31, 2025, reached HKD 87,379,000, up 37.2% from HKD 63,754,000 in 2024[3] - Basic and diluted earnings per share for 2025 were HKD 17.48, compared to HKD 12.75 in 2024, reflecting a growth of 37.2%[3] - Operating profit for the year ended December 31, 2025, was HKD 106,134,000, a significant increase of 41.1% from HKD 75,243,000 in 2024[3] - Total revenue from interest income reached HKD 345,118 thousand in 2025, compared to HKD 281,597 thousand in 2024, marking an increase of 22.6%[16] - The total profit attributable to equity holders for the year ending December 31, 2025, is HKD 87,379,000, compared to HKD 63,754,000 in 2024, representing a 37.2% increase[22] Dividends - The company proposed a final dividend of HKD 0.078 per share for the year 2025, compared to a total of HKD 0.05 per share (including special dividend) in 2024[2] - Total dividends declared for the year ending December 31, 2025, amount to HKD 49,500,000, compared to HKD 26,990,000 in 2024, indicating an 83.5% increase[24] - The company declared an interim dividend of HKD 4.4 per share, totaling HKD 22,000,000, compared to HKD 3.4 per share in 2024[25] - The board proposed a final dividend of HKD 0.078 per share for the year ending December 31, 2025, up from HKD 0.03 per share in 2024, which includes a special dividend of HKD 0.025 per share[70] Assets and Liabilities - Total assets as of December 31, 2025, amounted to HKD 1,564,472,000, an increase from HKD 1,449,835,000 in 2024[4] - Total liabilities increased to HKD 608,997,000 in 2025 from HKD 532,235,000 in 2024, indicating a rise of 14.4%[4] - The company's net asset value as of December 31, 2025, was HKD 955.5 million, compared to HKD 917.6 million a year earlier[46] Loans and Advances - Loans and advances to customers as of December 31, 2025, total HKD 1,522,708,000, an increase from HKD 1,349,315,000 in 2024, representing a 12.8% growth[26] - Total loans increased to HKD 17,437 million in 2025, up from HKD 9,603 million in 2024, representing an increase of 81.5%[51] - The outstanding balance of unsecured homeowner loans increased from HKD 1,037.0 million as of December 31, 2024, to HKD 1,187.8 million as of December 31, 2025[33] - The average loan size for unsecured home loans rose to HKD 381.7 thousand in 2025 from HKD 372.0 thousand in 2024, an increase of 0.5%[52] - The average loan term for unsecured home loans increased to 60.6 months in 2025 from 49.8 months in 2024, indicating a longer repayment period[53] Expenses - Employee benefits expenses rose to HKD 119,794 thousand in 2025, up from HKD 104,825 thousand in 2024, reflecting a growth of 14.3%[18] - Advertising and marketing expenses increased significantly to HKD 31,035 thousand in 2025, compared to HKD 23,205 thousand in 2024, a rise of 33.6%[18] - General and administrative expenses rose by HKD 4.9 million or 7.6% to HKD 69.1 million, driven by increased professional fees and technology-related expenditures[41] - Sales expenses increased by HKD 10.0 million or 24.6% to HKD 50.6 million, primarily due to expanded marketing efforts for the PayKool credit card[42] Credit Losses and Provisions - Expected credit loss for the year was HKD 82,965,000, compared to HKD 77,364,000 in 2024, reflecting an increase of 7.0%[3] - The impairment provision for loans and advances as of December 31, 2025, is HKD 121,624,000, up from HKD 116,935,000 in 2024, reflecting a 4.6% increase[28] - Expected credit loss increased to HKD 83.0 million from HKD 77.4 million, attributed to the expansion of receivables[43] Financial Ratios - The net interest margin improved to 21.3% in 2025 from 19.7% in 2024, reflecting better profitability[55] - The asset-to-liability ratio increased to 0.56 in 2025 from 0.45 in 2024, indicating a higher level of leverage[55] - The return on equity rose to 9.3% in 2025 from 7.1% in 2024, demonstrating improved efficiency in generating profits from equity[55] Technology and Operations - The company has enhanced its financial technology capabilities, including upgrades to repayment models and electronic customer recognition solutions, improving operational efficiency and customer experience[36] - The PayKool credit card platform has been expanded to support instant issuance of virtual cards and various payment functionalities, with ongoing development of additional features for optimal customer experience[35] - The company plans to implement AI-driven customer service platforms to enhance sales efficiency and customer experience[61] Market and Economic Conditions - The unemployment rate in Hong Kong is approximately 3.8%, reflecting stable labor utilization under cautious hiring practices[60] - The company anticipates stable funding costs due to the recent adjustments by the U.S. Federal Reserve, allowing for effective diversification of funding channels[60] Corporate Governance - The company has adopted a standard code for regulating directors' securities transactions, ensuring compliance during the reporting period[72] - The audit committee reviewed the accounting principles and practices adopted by the company, ensuring alignment with the audited financial statements[73] Future Outlook - The company plans to continue expanding its loan offerings and improving its technology to enhance customer experience and operational efficiency[54] - The company's loan portfolio growth depends on sufficient funding to meet borrower demand, necessitating continuous expansion of the funding base for stable cash flow[58]

K Cash Corporation Limited K Cash集團有限公司 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。 （於開曼群島註冊成立的有限公司） （股 份 代 號：2483） 董事會會議召開日期 K Cash集團有限公司（「本公司」，連 同 其 附 屬 公 司「本集團」）董 事（「董 事」）會（「董 事 會」）謹 此 宣 佈，董 事 會 會 議 將 於2026年3月24日（星 期 二）舉 行，藉 以（其 中 包 括） (i)考慮及批准本集團截至2025年12月31日 止 年 度 的 年 度 業 績 及 其 發 佈；(ii)考 慮 建議派發末期股息（如 有）；及(iii)處 理 其 他 事 項。 承董事會命 K Cash集團有限公司 主 席 李常盛 香 港，2026年3月12日 於 本 公 告 日 期，本 公 司 董 事 會 包 括 執 行 董 事 李 根 泰 先 生 及 黃 卓 ...

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: 2026年2月28日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: K Cash 集團有限公司 呈交日期: 2026年3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) | 02483 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | 3,900,000,000 | | HKD | 0.0001 | HKD | | 390,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 3,900,000,000 | HKD | | 0.0001 HKD | | 390,000 | 本月底法定/註冊股本總額： HKD 390,0 ...

| | | 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 致：香港交易及結算所有限公司 公司名稱: K Cash 集團有限公司 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 | 不適用 | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02483 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | 3,900,000,000 | | HKD | | 0.0001 HKD | | 390,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 3,900,000,000 | HKD | | 0.0001 HKD | | 390,000 | 本月底法定/註冊股本總額： HKD 390,000 FF301 第 1 頁 共 10 ...

Core Insights - The article highlights the achievements of ten exemplary entrepreneurs who have significantly contributed to China's economic landscape, showcasing their courage, vision, and resilience in various industries [3][4]. Group 1: Industrial Leadership - The emergence of great companies often begins with leaders who possess a profound insight into the "certainty" of their times, as exemplified by Ma Changhai of Weichai Power and Chen Jinghe of Zijin Mining [6]. - Chen Jinghe transformed Zijin Mining from a struggling company into a global mining giant by focusing on independent research and development, overcoming external competition and internal technical challenges [7][9]. - Ma Changhai led Weichai Power through comprehensive reforms and innovations, emphasizing the importance of mastering core technologies to strengthen China's industrial autonomy [11]. Group 2: Commitment to Excellence - Entrepreneurs like Leng Youbin of Feihe Dairy and Wu Xiangdong of Zhenjiu demonstrate the depth and warmth of "Made in China" through their commitment to quality and cultural heritage [13][16]. - Leng Youbin's strategic decisions during a crisis in the dairy industry led to the establishment of a complete supply chain for infant formula, enhancing safety and quality [14]. - Wu Xiangdong's acquisitions in the liquor industry allowed him to transition from brand management to controlling core production capabilities, thus preserving cultural heritage while achieving commercial success [17][19]. Group 3: Innovation and New Frontiers - Entrepreneurs such as Peng Jun of Xiaoma Zhixing and Zhao Deli of XPeng Huitian are pioneering new avenues in transportation, focusing on autonomous driving and flying cars, respectively [25][27]. - Liu Debing of Zhipu and Han Bicheng of Qiangnao Technology are exploring the intersection of artificial intelligence and life sciences, contributing to China's shift from application-driven innovation to foundational research [27][30]. - The article emphasizes the importance of these entrepreneurs in driving technological advancements and establishing China as a leader in global innovation [30].

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12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: K Cash 集團有限公司 呈交日期: 2026年1月2日 I. 法定/註冊股本變動 FF301 II. 已發行股份及/或庫存股份變動 | 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) | 02483 | 說明 | | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 500,000,000 | | 0 | | 500,000,000 | | 增加 / 減少 (-) | | | 0 | | 0 | | | | 本月底結存 | | | 500,000,000 | | 0 | | 500,000,000 | 第 2 頁 共 10 頁 v 1.1.1 FF301 | 1 ...

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11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: K Cash 集團有限公司 呈交日期: 2025年12月1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) | 02483 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 3,900,000,000 | HKD | | 0.0001 HKD | | 390,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 3,900,000,000 | HKD | | 0.0001 HKD | | 390,000 | 本月底法定/註冊股本總額： HKD 390 ...

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: K Cash 集團有限公司 呈交日期: 2025年11月3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) | 02483 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 3,900,000,000 | HKD | 0.0001 | HKD | | 390,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 3,900,000,000 | HKD | 0.0001 | HKD | | 390,000 | 本月底法定/註冊股本總額： HKD 390 ...

呈交日期: 2025年10月2日 I. 法定/註冊股本變動 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: K Cash 集團有限公司 | 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) | 02483 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | 3,900,000,000 | | HKD | | 0.0001 HKD | | 390,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 3,900,000,000 | HKD | | 0.0001 HKD | | 390,000 | 本月底法定/註冊股本總額： HKD 390, ...