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8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: 金邦達寶嘉控股有限公司("本公司"） 呈交日期: 2025年9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) | 03315 | 說明 | | | | | | | | 法定/註冊股份數目 | | 面值 | | 法定/註冊股本 | | 上月底結存 | | | | | | | | 增加 / 減少 (-) | | | | | | | | 本月底結存 | | | | | | | 本月底法定/註冊股本總額： 備註： 本公司乃於香港註冊成立。根據於二零一四年三月三日生效的香港新 《公司條例》第622章在香港註冊成立的公司不再擁有法定股本，而就已發行股份而言並無"面值"的概念。 FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 II. ...

Core Viewpoint - Kingbond (03315) reported a decline in revenue and net profit for the six months ending June 30, 2025, but achieved an increase in gross profit and gross margin due to product structure optimization and accelerated digitalization [1] Financial Performance - Revenue for the period was 458 million RMB, representing a year-on-year decrease of 15.52% [1] - Shareholders' net profit was 23.532 million RMB, down 24.44% year-on-year [1] - Basic earnings per share were 2.9 cents [1] Gross Profit and Margin - Gross profit for the period was approximately 134 million RMB, reflecting a year-on-year increase of about 1.2% [1] - Gross margin improved by 4.9 percentage points to approximately 29.3% [1]

Core Viewpoint - The company reported a decline in revenue and profit for the six months ending June 30, 2025, but achieved an increase in gross profit and gross margin due to operational efficiency improvements from product structure optimization and accelerated digitalization [1] Financial Performance - Revenue for the period was 458 million RMB, representing a year-on-year decrease of 15.52% [1] - Shareholders' profit was 23.532 million RMB, down 24.44% year-on-year [1] - Basic earnings per share were 2.9 cents [1] Gross Profit and Margin - The company achieved a gross profit of approximately 134 million RMB, which is a year-on-year increase of about 1.2% [1] - Gross margin improved by 4.9 percentage points to approximately 29.3% [1]

Core Insights - The company reported a revenue of approximately RMB 458 million for the first half of 2025, representing a year-on-year decline of about 15.5% [1] - Despite the revenue drop, the company achieved a gross profit of approximately RMB 134 million, which is a year-on-year increase of about 1.2%, with the gross margin improving by 4.9 percentage points to approximately 29.3% [1] - Operating profit remained stable year-on-year, while operating expenses were approximately RMB 125 million, a decrease of about 1.3% [1] - The net profit for the period was approximately RMB 23.6 million, reflecting a year-on-year decline of about 22.7% due to factors such as decreased exchange gains, lower other income, and increased income tax expenses [1] - As of June 30, 2025, over 2,200 clients in the financial and transportation sectors have accessed the UMV platform, achieving full online business operations and enhancing client efficiency and innovation [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。 Goldpac Group Limited 金 邦 達 寶 嘉 控 股 有 限 公 司 （於 香 港 註 冊 成 立 的 有 限 公 司 ） （股份代號：3315） 截至2025年6月30日止之六個月之中期業績公告 摘要 — 1 — • 2025年上半年，本集團錄得收入約人民幣4.58億元，同比下降約15.5%。 • 得益於產品結構優化以及數字化進程加速所帶來的業務交互的運營效率提升，期 內錄得毛利約人民幣1.34億元，同比增長約1.2%，毛利率則提升4.9個百分點至約 29.3%。 • 在經營層面保持了較穩定的盈利水準，營業利潤同比持平。2025年上半年經營費 用約人民幣1.25億元，同比下降約1.3%，但受匯兌收益下降、其他收入下降以及遞 延稅項導致所得稅費用增加等因素影響，本集團錄得期內利潤約人民幣23.6百萬元， 同比下降約22.7%。 • 嵌入式軟件和安全支付產品板塊錄得收入約人民幣2.92億 ...

Group 1 - The company, Jinbang Daboja (03315.HK), announced that its board meeting will be held on August 20, 2025 [1] - The purpose of the meeting is to consider and approve the company's unaudited interim results for the six months ending June 30, 2025 [1] - The board will also discuss the distribution of an interim dividend, if any [1]

主席、執行董事及首席執行官 Goldpac Group Limited 金 邦 達 寶 嘉 控 股 有 限 公 司 （於 香 港 註 冊 成 立 的 有 限 公 司 ） （股份代號：3315） 董事會召開日期 金邦達寶嘉控股有限公司（「本公司」及其附屬公司「本集團」）董事（「董事」）會（「董事會」） 兹通告謹定於二零二五年八月二十日（星期三）舉行董事會會議，藉以（其中包括）考慮及 通過本集團截至二零二五年六月三十日止的六個月中期業績，及派發中期股息（如有）， 以及處理其他事項。 承董事會命 金邦達寶嘉控股有限公司 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。 盧閏霆先生 香港，二零二五年八月七日 於本公告日期，本公司的執行董事為盧閏霆先生、盧威廉先生、利應杰先生及遊雪琴女士； 及本公司的獨立非執行董事為蔣勵先生、黎棟國先生及唐國林先生。 ...

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7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: 金邦達寶嘉控股有限公司("本公司"） 呈交日期: 2025年8月4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) | 03315 | 說明 | | | | | | | | 法定/註冊股份數目 | | 面值 | | 法定/註冊股本 | | 上月底結存 | | | | | | | | 增加 / 減少 (-) | | | | | | | | 本月底結存 | | | | | | | 本月底法定/註冊股本總額： 備註： 本公司乃於香港註冊成立。根據於二零一四年三月三日生效的香港新 《公司條例》第622章在香港註冊成立的公司不再擁有法定股本，而就已發行股份而言並無"面值"的概念。 FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 II. ...

Financial Performance - Revenue for 2024 decreased by 22.7% to RMB 1,095,301,000 from RMB 1,416,573,000 in 2023[16] - Profit attributable to owners of the Company fell by 61.5% to RMB 50,889,000 compared to RMB 132,051,000 in the previous year[16] - Net profit margin decreased to 4.5% from 10.7%, a decline of 6.2 percentage points[16] - Gross profit was approximately RMB0.259 billion, a year-on-year decrease of approximately 38.4%, with a gross profit margin of approximately 23.6%, down 6.1 percentage points compared to the same period in 2023[55] - The Group expects a revenue decrease of approximately 15% to 25% for the three months ending March 31, 2025, compared to approximately RMB286.95 million for the same period in 2024[62] - Profit attributable to owners of the Company is expected to decrease by approximately 25% to 35% for the three months ending March 31, 2025, compared to approximately RMB17.30 million for the same period in 2024[62] Business Segments - Revenue from embedded software and secure payment products dropped by 34.5% to RMB 622,362,000, while platform and service revenue increased by 1.3% to RMB 472,939,000[17] - The embedded software and secure payment products business segment recorded revenue of approximately RMB0.622 billion, a year-on-year decrease of approximately 34.5%[60] - The platform and service business segment recorded revenue of approximately RMB0.473 billion, representing a year-on-year increase of approximately 1.3%[61] Assets and Liabilities - Total assets decreased by 8.6% to RMB 2,463,484,000 from RMB 2,693,907,000 in 2023[18] - Total liabilities reduced by 24.6% to RMB 451,493,000 compared to RMB 598,836,000 in the previous year[18] - The Group's total current assets amounted to approximately RMB1,657.0 million, representing a year-on-year decrease of approximately 15.2%[56] - The company had no bank borrowings as of December 31, 2024, maintaining a conservative financial management approach[99] - The aggregate amount of bank balances and cash reached approximately RMB1,332.8 million as of December 31, 2024, with RMB1,178.9 million (approximately 88.5%) denominated in RMB[98] - The company's current ratio improved to approximately 4.1 as of December 31, 2024, compared to approximately 3.5 in 2023, indicating strong liquidity[102][107] - The company's gearing ratio decreased to approximately 18.3% as of December 31, 2024, from approximately 22.2% in 2023, reflecting a lower level of financial leverage[102][107] Strategic Initiatives - The Group is focusing on new business models, technologies, and human resources to prepare for transformation and enhance operational efficiency[50] - The Group's digital and platform-based strategy has led to the transformation of payment card service operations from a decentralized process to an intelligent and visualized one[51] - The Group is investing in new technologies such as AIGC, eSIM, and multi-scenario security authentication to support digital development[41] - The Group is building a comprehensive credit card benefits platform to improve user experience and support financial institutions in digital marketing[38] - The Group has successfully expanded its UMV platform, increasing the number of financial institutions from over 30 to more than 200 banks and 1,600 branches[53] - The UMV platform addresses core banking issues such as cost, efficiency, and user experience by enabling real-time online interactions for payment card operations[67] - The UMV platform enhances banks' risk management capabilities by reducing manual operations and improving compliance with regulatory requirements[68] Awards and Recognition - Goldpac was recognized with four ICMA Élan Awards in 2024, marking 20 consecutive years of awards[21] - The UMV platform was awarded the Development Potential Service Demonstration Case at the 2024 China International Fair for Trade in Services[22] - Goldpac was listed as one of the 2024 KPMG China Corporate Governance Pioneers, excelling in ESG practices[26] Workforce and Management - The Group's workforce decreased to 1,282 employees as of December 31, 2024, from 1,507 employees in the previous year, reflecting a reduction of 225 employees[132] - The Group's total employee benefits expenses for the year ended December 31, 2024, were approximately RMB 206.8 million, down from approximately RMB 224.7 million in 2023[132] - A youth-oriented talent strategy has been initiated, increasing the appointment of younger professionals across the organization[79] - The management team has extensive experience in the financial card industry, with key executives having over 30 years of relevant experience[146][152] - The Group emphasizes employee training and development, providing comprehensive internal and external training programs[137] Corporate Governance - The board consists of nine directors, including six executive directors and three independent non-executive directors[142] - The Company has appointed experienced professionals to its board, enhancing its governance and strategic oversight capabilities[180] - The independent non-executive Directors bring valuable insights from their respective fields, contributing to the Company's decision-making processes[181] - The board's composition reflects a commitment to strong corporate governance and accountability, essential for maintaining investor confidence[180] Future Outlook - The company has set a future outlook with a projected revenue growth of 20% for the upcoming fiscal year[156] - The company plans to enhance customer engagement through digital marketing strategies, aiming for a 15% increase in customer retention rates[156] - The Group is unable to provide revenue and profit forecasts for the six months ending June 30, 2025, due to current order conditions and business cycles[66]

Summary of Conference Call Company Overview - The conference call was held by Jin Guang Da, which has maintained profitability for over 30 years and continues to do so in 2024 despite a slight decline compared to previous years. The company aims to undergo a comprehensive transformation and rejuvenate its workforce [1][5]. Core Industry Insights - The banking industry is facing challenges, with a notable decline in credit card issuance, which has decreased for nine consecutive quarters by approximately 0.5% to 1.5%. Conversely, the total amount of credit card debt overdue for six months has increased for eight consecutive quarters [6][7]. - Consumer confidence in China is at a ten-year low, impacting the overall economic environment and putting pressure on the company's operations [6]. Strategic Shifts - The company is shifting its strategy from merely providing services based on banks' needs to actively transforming the ecosystem to better serve consumers and banks [1][2]. - The introduction of a new platform allows consumers to purchase credit cards directly, changing the previous model where banks issued cards without targeting specific customers [2][3]. Financial Performance - For 2024, the company expects revenue of approximately 1.1 billion, with a net profit of 50 million. Revenue from mainland China is projected to decline by about 10.8%, while overseas revenue is expected to drop significantly by 63.5% due to extended procurement cycles and geopolitical risks [9][10]. - The company has invested around 1.1 to 1.2 billion in R&D since its listing, representing 9.5% of its revenue, with 25% of its workforce dedicated to R&D [10][11]. Technological Advancements - The company is focusing on integrating AI and quantum computing technologies to enhance security and product offerings. It aims to develop localized products to meet increasing demands for digital security [11][12]. - The UMV platform is designed to optimize banking operations and improve customer experiences through AI-driven solutions [16][24]. Market Expansion Plans - The company plans to expand its market presence in Asia, the Middle East, Southeast Africa, Europe, and South America, despite challenges in the procurement cycle for overseas clients [17][18]. - The number of banks connected to the platform has increased from 34 to over 1,800, indicating strong recognition and acceptance of the platform by the banking sector [23]. Future Outlook - The management anticipates continued pressure on operations but remains optimistic about potential recovery. They are committed to enhancing the platform's capabilities and expanding their market reach [22][21]. - The company emphasizes the importance of attracting international talent to support its global expansion and technological advancements [20][19]. Additional Notes - The company has maintained a healthy cash flow, with available cash of 1.33 billion and a significant dividend payout ratio of 81% [13]. - The management is focused on improving operational efficiency and customer experience through the integration of AI technologies and enhanced service offerings [24].