Haosen Fintech Group Limited 浩森金融科技集團有限公司 (incorporated in Cayman Islands with limited liability) （於開曼群島註冊成立之有限公司） (Stock code 股份代號：3848) NOTIFICATION LETTER 通知信函 12 September 2025 Dear Non-registered Shareholder(s) (Note 1), Haosen Fintech Group Limited (the "Company") – Notification of publication of Interim Report 2025 (the "Current Corporate Communication") The English and Chinese versions of the Company's Current Corporate Communications are available on the Company's website at www.haosenfintech.com a ...

Haosen Fintech Group Limited 浩森金融科技集團有限公司 The English and Chinese versions of the Company's Current Corporate Communications are now available on the Company's website at www.haosenfintech.com and the website of The Stock Exchange of Hong Kong Limited (the "Stock Exchange") at www.hkexnews.hk respectively (the "Website Version"). The Company strongly recommends you to access the Website Version of the Current Corporate Communication and all future Corporate Communications (Note). If you have elected to rece ...

(於開曼群島註冊成立之有限公司) 股份代號: 3848 2025 中期報告 2025 INTERIM REPORT (incorporated in Cayman Islands with limited liability) Stock code: 3848 中期報告 INTERIM REPORT 2025 Haosen Fintech Group Limited 浩森金融科技集團有限公司 目 錄 | | | 管理層討論及分析 3 其他資料 14 未經審核簡明綜合全面收入表 18 未經審核簡明綜合財務狀況表 19 未經審核簡明綜合權益變動表 21 未經審核簡明綜合現金流量表 23 未經審核簡明綜合財務報表附註 24 公司資料 公司名稱 浩森金融科技集團有限公司 股份代號 03848 董事會 執行董事 盧偉浩先生 （主席） 非執行董事 吳佳琦先生 萬婷婷小姐 獨立非執行董事 陳詩韻女士 甘偉民先生 劉匡堯先生 審核委員會 陳詩韻女士 （主席） 甘偉民先生 劉匡堯先生 薪酬委員會 甘偉民先生 （主席） 盧偉浩先生 陳詩韻女士 提名委員會 盧偉浩先生 （主席） 甘偉民先生 陳詩韻女士 公司秘書 謝偉全先生 註冊辦 ...

FF301 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: 浩森金融科技集團有限公司（於開曼群島註冊成立之有限公司） 呈交日期: 2025年9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) | 03848 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 20,000,000,000 | HKD | | 0.01 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 20,000,000,000 | HKD | | 0.01 HKD | | 200,000,00 ...

公告称，溢利增加乃由于预期信贷亏损拨备减少及增加收回坏账所致。 浩森金融科技(03848)发布截至2025年6月30日止6个月中期业绩，该集团取得收益4972.5万元，同比减少 9.3%;公司股东应占期内溢利969万元，同比25.94%;每股盈利6.49分。 ...

智通财经APP讯，浩森金融科技(03848)发布截至2025年6月30日止6个月中期业绩，该集团取得收益 4972.5万元，同比减少9.3%;公司股东应占期内溢利969万元，同比25.94%;每股盈利6.49分。 公告称，溢利增加乃由于预期信贷亏损拨备减少及增加收回坏账所致。 ...

香 港 交 易 及 結 算 所 有 限 公 司 及 香 港 聯 合 交 易 所 有 限 公 司（「聯 交 所」）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 就 因本公告全部或任何部分內容而產生或因依賴該等內容而引致的任何損失承 擔 任 何 責 任。 截至二零二五年六月三十日止六個月的 未經審核中期業績公佈 浩 森 金 融 科 技 集 團 有 限 公 司（「本 公 司」）董 事（「董 事」）會（「董 事 會」）欣 然 宣 佈 本 公 司 及 其 附 屬 公 司（統 稱「本 集 團」）截 至 二 零 二 五 年 六 月 三 十 日 止 六 個 月 之 未 經 審 核 簡 明 綜 合 業 績，連 同 二 零 二 四 年 同 期 的 比 較 數 據 如 下： 未經審核簡明綜合全面收入表 截至二零二五年六月三十日止六個月 | | | | | | | | | 截至六月三十日止六個月 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | ...

FF301 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: 浩森金融科技集團有限公司（於開曼群島註冊成立之有限公司） 呈交日期: 2025年8月6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) | 03848 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 20,000,000,000 | HKD | | 0.01 HKD | | 200,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 20,000,000,000 | HKD | | 0.01 HKD | | 200,000,00 ...

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 就 因 本 公 告 全 部 或 任 何 部 分 內 容 而 產 生 或 因 依 賴 該 等 內 容 而 引 致 之 任 何 損 失 承 擔 任 何 責 任。 承董事會命 浩森金融科技集團有限公司 主席兼執行董事 盧偉浩 香 港，二 零 二 五 年 八 月 四 日 於 本 公 告 日 期，董 事 會 成 員 包 括 執 行 董 事 盧 偉 浩 先 生；非 執 行 董 事 吳 佳 琦 先 生 及 萬 婷 婷 女 士；及 獨 立 非 執 行 董 事 甘 偉 民 先 生、陳 詩 韻 女 士 及 劉 匡 堯 先 生。 Haosen Fintech Group Limited 浩森金融科技集團有限公司 （於開曼群島註冊成立之有限公司） （股份代號：3848） 董事會會議日期 浩 森 金 融 科 技 集 團 有 限 公 司（「本公司」，連 同 其 附 屬 公 司 統 稱「本集團」）董 事（「董 事」）會（「董事會」）茲 通 告 謹 定 於 二 零 二 五 ...

Financial Performance - For the fiscal year ending December 31, 2024, the company's total revenue was RMB 1.073 billion, with approximately RMB 1.067 billion (about 99.5%) coming from loan interest income[14]. - The microloan business contributed approximately RMB 1.061 billion, accounting for about 98.8% of the total revenue[16]. - The company reported a total of RMB 10,882 thousand in expected credit loss for the 12-month period ending December 31, 2024[23]. - The company's revenue decreased from approximately RMB 113.1 million for the year ended December 31, 2023, to approximately RMB 107.3 million for the year ended December 31, 2024, a decline of about RMB 5.8 million or 5.1%[35]. - Interest income from financial leasing was approximately RMB 0.1 million for the year ended December 31, 2024, down from RMB 0.4 million in 2023, primarily due to a reduction in new financing lease contracts[35]. - The company recorded small loan interest income of approximately RMB 106.1 million for the year ended December 31, 2024, a decrease of about RMB 4.3 million or 3.9% from RMB 110.4 million in 2023[36]. - The company recorded a profit attributable to shareholders of approximately RMB 5.6 million for the year ended December 31, 2024, down from RMB 23.2 million in 2023, primarily due to expected credit loss provisions of approximately RMB 48.7 million[42]. - Other income increased from approximately RMB 4.9 million for the year ended December 31, 2023, to approximately RMB 6.1 million for the year ended December 31, 2024, an increase of about RMB 1.2 million or 24.5%[38]. Loan and Receivables - As of December 31, 2024, the total number of customer loans was 922, an increase from 864 in the previous year[17]. - The company has seen a significant increase in loans over RMB 5 million, rising from 18 in 2023 to 36 in 2024[17]. - Total customer loans as of December 31, 2024, reached RMB 802,107 thousand, an increase of 6.5% from RMB 754,672 thousand in 2023[20]. - Unsecured microloans increased to RMB 7,260 thousand in 2024 from RMB 6,725 thousand in 2023, reflecting a growth of 7.9%[20]. - Secured loans surged to RMB 394,234 thousand in 2024, up 56.5% from RMB 251,647 thousand in 2023[20]. - The total amount of receivables as of December 31, 2024, was RMB 812.3 million, compared to RMB 780.9 million in 2023, indicating a growth of 4.8%[22]. - The overdue loans exceeding 365 days decreased to RMB 272,830 thousand in 2024 from RMB 399,544 thousand in 2023, a reduction of 31.8%[20]. - The top ten receivables accounted for 20.5% of total receivables, down from 22.3% in 2023, with an outstanding principal of RMB 167.8 million[22]. - The expected credit loss provision for microloans as of December 31, 2024, was RMB 88,014 thousand, up from RMB 70,718 thousand in 2023[23]. - The company recognized significant impairment provisions for five loans exceeding RMB 1 million, totaling RMB 12 million[27]. Operational Strategy - The company plans to allocate more resources to business development and embrace new internet technologies to enhance customer experience and expand market share[10]. - The company will continue to adjust its operational strategies in response to the changing economic environment, particularly in the real estate sector[14]. - The company aims to optimize internal resource allocation and improve operational efficiency amid economic uncertainties[14]. - The management will focus on providing flexible financing services to a diverse range of potential clients across various industries[15]. - The company is focusing on the small loan business for future growth[37]. - The company plans to enhance its IT systems to collect more accurate data and improve customer financial assessments[51]. - The company plans to maintain a prudent approach and effectively control costs while developing business with high-quality clients in a challenging environment[69]. - Future focus will be on enhancing internal information systems to improve risk management capabilities and implementing cost control measures to boost profitability[69]. - The company aims to strengthen its financing capabilities and expand partnerships to enhance comprehensive service capabilities[69]. - The main customer base is located in China, and the company will closely monitor customer conditions and adjust business strategies flexibly[69]. - Emphasis will be placed on resource integration across business departments to drive digital transformation as a response to complex economic conditions[69]. Corporate Governance - The company emphasizes the importance of good corporate governance for sustainable development and will continue to enhance its governance practices[11]. - The board of directors includes a mix of executive, non-executive, and independent non-executive directors, ensuring a balance of power[89]. - The chairman and CEO roles are separated to enhance strategic business growth and effective execution of long-term strategies[91]. - The company has a strong focus on risk management, with a dedicated department overseeing these efforts[84]. - The independent non-executive directors provide independent professional advice during board meetings, ensuring checks and balances[91]. - The company has appointed a new company secretary effective December 1, 2023, to enhance governance practices[86]. - The board is responsible for formulating business and investment plans, preparing annual budgets, and making recommendations on profit distribution[89]. - The company has a commitment to continuous professional development for its directors and senior management[88]. - The management team has extensive experience in finance and risk management, contributing to the company's strategic initiatives[85]. - The company has been actively reviewing its corporate governance policies and practices to ensure compliance with regulations[88]. - The company has established an internal audit function to ensure effective risk management and internal control systems[117]. - The company has adopted key corporate governance practices as detailed in the corporate governance report[199]. Shareholder Information - The company proposed a final dividend of HKD 0.03 per share for the year ended December 31, 2024, consistent with the previous year[43]. - The company's distributable reserves as of December 31, 2024, were approximately RMB 121.7 million, a decrease from RMB 143.9 million as of December 31, 2023[137]. - A total of 166,000 shares were repurchased during the year at prices between HKD 2.76 and HKD 2.99, with 126,000 shares cancelled[136]. - The major shareholder, Fudeng Investment Limited, holds 101,974,000 shares, representing approximately 65.12% of the issued share capital[148]. - The company has confirmed that there are no management contracts related to the management and administration of the group's business for the year ending December 31, 2024[150]. - The company has established a non-competition agreement with its controlling shareholders, which will remain effective until certain conditions are met, including the loss of control over the board[152]. Stock Options and Incentives - As of December 31, 2024, a total of 2,725,000 stock options remain unexercised under the 2017 stock option plan[54]. - The company has granted a total of 10,200,000 stock options under the 2017 stock option plan, with 1,060,000 options exercised by December 31, 2024[54]. - The company granted 15,000,000 stock options under the 2023 stock option plan on April 23, 2024, with an exercise price of HKD 2.20[61]. - As of December 31, 2024, there are 13,500,000 unexercised stock options available from the 2023 stock option plan[63]. - The total number of shares available for future issuance is 16,883,300, representing approximately 10.59% of the company's issued shares[64]. - The 2023 stock option plan allows for the issuance of up to 15,658,300 shares, which is 10% of the total issued shares as of June 30, 2023[59]. - The company has not issued any shares or granted any rewards under the 2019 share incentive plan since its adoption[65]. - The exercise price for the stock options granted on December 14, 2022, was set at HKD 5.93, with the closing price on that date being HKD 5.92[56]. - The company has a total of 2,725,000 unexercised stock options from the 2017 stock option plan as of December 31, 2024[63]. - The 2023 stock option plan was approved at a special shareholders' meeting on June 30, 2023, following amendments to the listing rules[58]. - The company has the authority to grant stock options to eligible participants for a period of 10 years from the adoption date of the 2023 stock option plan[59]. - The average weighted number of shares issued during the year was approximately 10.4% for the stock options plan[63]. - The 2023 Share Award Plan has been approved with an authorization limit of 15,658,300 shares, representing 10% of the total issued shares as of June 30, 2023[67]. - The service provider sub-limit under the 2023 Share Award Plan is set at 1,565,830 shares, accounting for 1% of the total issued shares as of June 30, 2023[67]. - The exercise period for the options granted under the 2023 share option plan is from April 23, 2024, to April 22, 2029[175]. - The exercise price for the options is determined by the board but cannot be lower than the closing price on the specific grant date[171]. - Eligible participants for the 2023 share award plan include employees deemed to have contributed to the group by the board or remuneration committee[189]. - The 2023 share incentive plan has an authorized limit of 15,658,300 shares, representing 10% of the total issued shares as of June 30, 2023[190]. - The service provider sub-limit under the 2023 share incentive plan is set at 1,565,830 shares, accounting for 1% of the total issued shares as of June 30, 2023[190]. Risk Management - The company has implemented a risk management system to mitigate operational risks, with a focus on evaluating potential business opportunities based on customer backgrounds and credit records[50]. - The company has a strong focus on risk management, with a dedicated department overseeing these efforts[84]. - The company has established an internal audit function to ensure effective risk management and internal control systems[117]. Legal and Compliance - The company has no significant contingent liabilities, consistent with the previous year[197]. - The company has not been involved in any significant legal proceedings as a defendant as of December 31, 2024[196]. - The audit committee was established in accordance with listing rules and is responsible for reviewing financial statements and internal control procedures[200]. - The company has adopted key corporate governance practices as detailed in the corporate governance report[199]. - There are no provisions in the company's articles of association or Cayman Islands law for preemptive rights regarding the issuance of new shares[198].