在此情况下，富民银行未来发展面临挑战。从财务数据看，业务规模持续扩大，资产总额从2022年的548.74亿元增长至 2024年的622.99亿元，年均增速约6.5%，负债规模同步增长。但盈利能力增速放缓，2024年净利润增速仅2.9%，较2023 年22.8%的增速明显下降，净息差也从2022年的3.82%降至2024年的3.39%，反映出利率市场化背景下银行盈利压力增 大。在资产质量方面，虽不良贷款率稳定在较低水平，但流动性比例从2022年的118.08%大幅降至2024年的84.06%，显 示未来资金管理面临考验，如何平衡流动性与盈利性成为关键问题。 在金融市场中，重庆富民银行的发展动向受到关注。作为中西部地区首家获批开业的民营银行，富民银行于2016年8月16 日成立。它由瀚华金控、宗申集团、福安药业等7家重庆当地民营企业共同出资30亿元设立，自成立起便承担着服务地方 经济、助力中小微企业发展的任务。 经过多年运营，富民银行在业务上取得一定成果。截至2024年12月末，其资产总额达622.99亿元，负债总额为572.63亿 元。该年度营业收入为20.96亿元，净利润为4.21亿元。从风控指标看，资本充足 ...

its fir hanhua financial holding Hanhua Financial Holding Co ,Ltd * 瀚華金控股份有限公司 (A joint stock limited liability company incorporated in the People's Republic of China) (於中華人民共和國註冊成立的設份有限公司) Stock Code 股份代號: 3903 2024 INTERIM REPORT 中期報告 For ide Eor identification purpose only 崔佩 | --- | --- | --- | |----------|-------|--------------------------------------------------------------------------------------------------------------------------| | | | | | | 2 | Corporate Information 公司資料 | | | 6 | Financial Highl ...

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份內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 Hanhua Financial Holding Co., Ltd. * （於中華人民共和國註冊成立的股份有限公司） （股份代號：3903） 截至二零二四年六月三十日止六個月之中期業績公告 瀚華金控股份有限公司（「本公司」）董事會（「董事會」）謹此發佈本公司及其附屬公司 （合稱「本集團」）截至二零二四年六月三十日止六個月之未經審核中期業績，連同上年度 截至二零二三年六月三十日止的比較數字。於本中期業績公告列示的本集團截至二零二四年 六月三十日止六個月之按照香港會計準則編制的中期財務資料，已由本公司董事會及董事會 審計委員會審閱。 本公司截至二零二四年六月三十日止六個月之二零二四年中期報告（「2024 年中期報告」） 的內容附於本公告，2024年中期報告將於適當時候派發給本公司股東，並在香港聯合交易所 有限公司網站 (www.hkexnews.hk)和本公司網站(www.hanhua.com)刊登。 承董 ...

ANNUAL REPORT 2023 #報 Stock Code 股份代號: 3903 | --- | --- | --- | |----------|-------|--------------------------------------------------------------------------------------------------| | | | | | | 2 | Corporate Overview 公司概況 | | | 4 | Corporate Information 公司資料 | | CONTENTS | 8 | Financial Summary 財務概要 | | 目 錄 | 9 | Chairman's Report 董事長報告 | | | 11 | Management Discussion and Analysis 管理層討論與分析 | | | 47 | Directors, Supervisors and Senior Management 董事、監事及高級管理層 | | | 63 | Corporate Governance Report 企業管治報告 | ...

Financial Performance - The Group recorded net guarantee and consulting fee income of RMB255.1 million in 2023, representing a decrease of RMB82.2 million or 24.4% from RMB337.3 million in 2022, primarily due to a decline in net guarantee income from the electronic bid guarantee business[7]. - The total net guarantee and consulting fee income for the Group was RMB252.0 million as of December 31, 2023, down from RMB333.4 million in 2022[9]. - Operating income for 2023 was RMB 504.7 million, a decline from RMB 601.5 million in 2022[87]. - The Group's net profit for 2023 was RMB 23.8 million, compared to RMB 52.0 million in 2022, reflecting a significant decrease[87]. - The digital services segment achieved a pre-tax profit of RMB 47.1 million in 2023, down 70.4% from RMB 159.0 million in 2022, primarily due to adjustments in electronic guarantee product fees[83]. - The profit before tax of the capital investment and financial asset management segment was RMB 21.2 million in 2023, a decrease of RMB 14.6 million or 40.8% from RMB 35.8 million in 2022, primarily due to a decrease in share of profits of associates[169]. - The other segment reported a pre-tax loss of RMB166.1 million in 2023, an improvement from a pre-tax loss of RMB225.5 million in 2022, reflecting a decrease of RMB59.4 million or 26.3%[198]. Asset and Loan Balances - As of December 31, 2023, Hanhua Financial had total assets of RMB13.16 billion and net assets of RMB7.93 billion[34]. - The balance of micro and small loans was RMB 252.0 million, a decrease of 24.4% from RMB 333.4 million in 2022[93]. - The balance of overdue micro and small loans as of December 31, 2023, was RMB136.9 million, accounting for 54.3% of the total micro and small loans, compared to RMB217.5 million or 65.2% in 2022[9]. - The balance of impaired micro and small loans was calculated based on the ECL model in accordance with HKFRS 9[5]. - The balance of small business lending increased to RMB 2,861.2 million as of December 31, 2023, up by RMB 944.5 million or 49.3% from RMB 1,916.7 million in 2022[156]. - The outstanding balance of accounts receivable factoring business was RMB 621.4 million, an increase of RMB 185.7 million or 42.6% compared to RMB 435.7 million as of December 31, 2022[167]. Impairment and Provisions - As of December 31, 2023, the provision for impairment loss of micro and small loans amounted to RMB57.1 million, a decrease of RMB11.6 million or 16.9% compared to RMB68.7 million as of December 31, 2022[5]. - The provision for impairment loss of small business lending amounted to RMB 167.3 million as of December 31, 2023, compared to RMB 125.6 million in 2022, reflecting an increase of RMB 41.7 million or 33.2%[162]. - The provision rate increased to 22.7% in 2023, up 2.1 percentage points from 20.6% in 2022[93]. - The balance of provisions for guarantee losses was RMB 35.6 million as of December 31, 2023, an increase of RMB 4.6 million or 14.8% from RMB 31.0 million in 2022[132]. Business Operations and Strategy - The Group actively adjusted the fee rates of electronic bid guarantee products to enhance competitiveness and consolidate its leading market position[7]. - The Group's strategy includes responding to policy requirements aimed at lowering tendering and bidding transaction costs[7]. - The company aims to explore new models for financial services to support the real economy in the digital era[99]. - The digital services segment aims to enhance competitiveness through digital transformation, focusing on data-driven operations and integrated financial services for SMEs[129]. - The company continues to leverage advanced technologies such as AI and big data to optimize financial services for supply chain enterprises, particularly SMEs[131]. Market Position and Customer Base - The accumulated guarantee balance of Hanhua Guarantee exceeded RMB100 billion, serving a total of 50,000 small and medium-sized enterprises (SMEs) as of the end of 2023[20]. - The company has provided services to over 200,000 micro, small, and medium-sized enterprises (MSMEs) and more than 2 million individual customers since its establishment[34]. - Fumin Bank, in which Hanhua Financial holds a 30% stake, reported total assets of RMB60.42 billion and served over 10 million customers by the end of 2023[38]. - Hanhua Financial's cumulative business turnover has exceeded RMB300 billion since its inception[34]. Financial Ratios and Margins - The pre-tax profit margin decreased to 11.3% in 2023 from 18.2% in 2022[87]. - The net profit margin fell to 4.7% in 2023, down from 8.6% in 2022[87]. - The average interest rate for small business lending in 2023 was approximately 9.3%, slightly down from 9.4% in 2022[156]. - The average interest and handling fee rate for the Group's micro and small loan business was approximately 11.4% in 2023, down from approximately 12.5% in 2022[200].

Retained Capital Subtotal reserve 外壁留表 反本 童餘公積 合計 FIMB'0000 FIMB 0000 RMB 000 人民慰于元 人民慰千元 人民幣千元 Note 19jb) Note 1968 Note 19(c)(fu) 厨庄196M 阴柱19jgjjwj | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |--------------------------------------------------------------------|------------------------------------|-----------|-----------|-----------|---------|---------|---------|----------|-----------|-----------|------------| | Balance at 1 January 2022 | 於2022年1月1日的餘額 | 4,600,000 | 1,270,92 ...

數字化金融分部－信用擔保－風險管 理及資產質量 The following table sets forth key asset quality indicators of credit guarantee business of the digital finance segment as at the dates indicated: 下表載列於所示日期數字化金融分部信 用擔保業務各項關鍵資產質量指標： | --- | --- | --- | --- | --- | --- | |--------------------------------------------------------------------------------------------|------------|-------------------------------------------------------------------|-----------------------------------------------------|-------------------|------------------- ...

HANHUA FINANCIAL HOLDING Stock Code 股份代號: 3903 Credit guarantee. Hanhua Financing Guarantee Co., Ltd. ("Hanhua Guarantee"), established in 2009 with a registered capital of RMB3.5 billion, has established 29 branches across the country and gained a long-term corporate credit rating of AA+. As at the end of 2022, Hanhua Guarantee had net assets of RMB4 billion, and accumulated guarantee balance of RMB100 billion. Hanhua Guarantee has provided services to a total of 50,000 SMEs. Financial asset management. Li ...

Corporate Information 公司資料 STRATEGIC INVESTMENT COMMITTEE Mr. Li Wei (Independent Non-executive Director) (Chairman) Mr. Zhang Guoxiang (Executive Director) Mr. Cui Weilan (Executive Director) RISK MANAGEMENT COMMITTEE Mr. Cui Weilan (Executive Director) (Chairman) Mr. Zhang Guoxiang (Executive Director) Ms. Liu Tingrong (Non-executive Director) 戰略投資委員會 李偉先生（獨立非執行董事）（主任） 張國祥先生（執行董事） 崔巍嵐先生（執行董事） 風險管理委員會 崔巍嵐先生（執行董事）（主任） 張國祥先生（執行董事） 劉廷榮女士（非執行董事） | --- | --- | |-------------------------------------|------------ ...

2022 Interim Report 2022 中期報告 | --- | --- | --- | --- | --- | |--------------------------------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | 01 01 7 | | | | | | | | | | | | 潮华金招 � | | | | | | hanhua financial holding Hanhua Financial Holding Co., Ltd * 瀚華金控股份有限公司 | | | | | | (A joint stock limited liability company incorporated in the People's Republic of China)(於中華人民共和國註冊成立的股份有限公司 ...