（股份代號：03963） 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。 CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED （於開曼群島註冊成立的有限公司） 中 國 眾 金 控股有限公 司 承董事會命 中國融眾金融控股有限公司 執行董事 黃凱恩 香港，二零二五年一月七日 於本公告日期，本公司的執行董事為黃凱恩女士；本公司的非執行董事為劉曉峰 先生、黃悅怡女士、黃逸怡女士及黃銘斌先生；及本公司的獨立非執行董事為李 志榮先生、廖子慧先生及吳旭洋先生。 變更開曼群島主要股份過戶登記處及 註冊辦事處 中國融眾金融控股有限公司（「本公司」）董事會（「董事會」）謹此宣佈，自二零 二四年十二月三十一日起，本公司於開曼群島的主要股份過戶登記處及註冊辦 事處已變更為： Vistra (Cayman) Limited P.O. Box 31119 Grand Pavilion Hibiscus Way, 802 Wes ...

CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED （於開曼群島註冊成立的有限公司） 中 國 眾 金 控股有限公 司 （股份代號：03963） 本公司有四個董事委員會。下表載列各董事會成員服務的有關委員會成員資料。 | | 董事委員會 | | | | | | --- | --- | --- | --- | --- | --- | | | | 審核 | 薪酬 | 提名 | 風險管理 | | | | 委員會 | 委員會 | 委員會 | 委員會 | | 董事 | | | | | | | 黃凱恩女士 | | | | | C | | 劉曉峰先生 | | M | M | M | | | 黃逸怡女士 | | | M | M | M | | 黃銘斌先生 | | M | | | M | | 李志榮先生 | | C | M | M | | | 廖子慧先生 | | M | C | C | M | | 吳旭洋先生 | | M | M | M | | 附註： C 相關董事委員會主席 M 相關董事委員會成員 香港，二零二四年十二月三十日 執行董事 黃凱恩女士 非執行董事 劉曉峰先生 黃悅 ...

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。 CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED 中 國 眾 金 控股有限公 司 （於開曼群島註冊成立的有限公司） （股份代號：03963） 委任獨立非執行董事、 變更董事委員會成員 及不符合上市規則之最新情況 中國融眾金融控股有限公司（「本公司」，連同其附屬公司統稱「本集團」）董事 會（「董事會」，各自為一名「董事」）欣然宣佈，廖子慧先生（「廖先生」）獲委任為 本公司獨立非執行董事（「獨立非執行董事」），自二零二四年十二月三十日起生 效。 廖先生簡歷載列如下： 廖先生，49歲，目前為LFG投資控股有限公司（股份代號：3938）執行董事。廖先 生亦為力高企業融資有限公司的董事。自二零一六年一月起，廖先生就證券及 期貨條例項下第6類（就機構融資提供意見）受規管活動擔任力高企業融資有限 公司的負責人員，並為力高企業融資有限公司的保薦主事人之一。廖先生自二零 ...

CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED 中國融眾金融控股有限公司 (Incorporated in the 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：03963） NOTIFICATION LETTER 通知信函 Dear Non-Registered Shareholders (Note 1) , 16 December 2024 China Rongzhong Financial Holdings Company Limited (the "Company") – Notice of publication of Interim Report 2024/2025 (the "Current Corporate Communication") If you have difficulty in receiving email notification or gaining access to the Website Version of the ...

CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED 中國融眾金融控股有限公司 (Incorporated in the 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：03963） NOTIFICATION LETTER 通知信函 Dear Registered Shareholders, 16 December 2024 China Rongzhong Financial Holdings Company Limited (the "Company") – Notice of publication of Interim Report 2024/2025 (the "Current Corporate Communication") Note: Corporate Communications include any document(s) issued or to be issued by the Company for the information or ...

Financial Performance - Revenue for the six months ended September 30, 2024, was HKD 41,304,000, a decrease of 16.4% compared to HKD 49,197,000 for the same period in 2023[7]. - The company reported a loss of HKD 3,438,000 for the period, compared to a profit of HKD 1,293,000 in the previous year, reflecting a significant decline in profitability[7]. - Total comprehensive income for the period was a loss of HKD 2,024,000, compared to a gain of HKD 875,000 in the same period last year[7]. - The company’s basic and diluted loss per share was HKD 0.72, compared to HKD 0.29 in the previous year, indicating a worsening in earnings per share[7]. - The company reported a pre-tax loss of HKD 3,436,000 for the six months ended September 30, 2024[44]. - The company reported a loss attributable to shareholders of HKD (4,258,000), compared to a loss of HKD (1,232,000) in the previous year[77]. - The company reported a loss of approximately HKD 3.4 million for the reporting period, compared to a profit of approximately HKD 1.3 million for the same period last year, mainly due to a decrease in revenue[172]. Assets and Liabilities - Non-current assets increased to HKD 74,081,000 as of September 30, 2024, up from HKD 69,992,000 as of March 31, 2024[10]. - Current assets rose to HKD 15,373,000, compared to HKD 14,700,000 as of March 31, 2024, indicating a slight improvement in liquidity[10]. - Total liabilities as of September 30, 2024, were HKD 62,787,000, compared to HKD 62,629,000 as of March 31, 2024, showing stability in the company's debt levels[12]. - Total assets increased to HKD 89,454,000 as of September 30, 2024, compared to HKD 84,692,000 as of March 31, 2024[58]. - Total liabilities rose to HKD 73,413,000 as of September 30, 2024, up from HKD 66,954,000 as of March 31, 2024[58]. - The company has a net current liability of approximately HKD 47,414,000 as of September 30, 2024, with cash and cash equivalents of only HKD 7,347,000[32]. - The company’s total equity as of September 30, 2024, was approximately HKD 16.0 million, a decrease from approximately HKD 17.7 million as of March 31, 2024[175]. - The debt-to-equity ratio as of September 30, 2024, was approximately 257%, up from approximately 211% as of March 31, 2024[175]. Cash Flow and Financing - The company’s cash and cash equivalents increased to HKD 7,347,000 from HKD 6,972,000, reflecting improved cash management[10]. - For the six months ended September 30, 2024, the net cash generated from operating activities was HKD 9,633,000, compared to HKD 11,179,000 for the same period in 2023, representing a decrease of approximately 13.9%[23]. - The company entered into a loan agreement with a major non-controlling shareholder for an unsecured term loan of HKD 10,000,000 to improve working capital needs[34]. - The company entered into a loan agreement with Jinbang Group for an unsecured term loan of HKD 18,000,000 at an interest rate of 6%, maturing three years from the first drawdown[35]. - As of September 30, 2024, a total of HKD 59,712,000 was available and unused from financing[36]. - The company is actively seeking new funding sources to enhance its financial position and liquidity[34]. - The group has secured a total of HKD 10,000,000 in an unsecured term loan agreement with a major non-controlling shareholder, with an interest rate of 6% and a maturity of 18 months from the end of the availability period[193]. - An additional unsecured term loan of HKD 18,000,000 has been agreed upon with Goldbond Group Holdings Limited, also at an interest rate of 6%, maturing three years from the first drawdown[193]. Revenue Breakdown - Total revenue from leasing services was HKD 20,516,000, while debt collection and credit investigation services generated HKD 20,788,000, totaling HKD 41,304,000 for the six months ended September 30, 2024[44]. - Revenue from debt collection services decreased to HKD 10,321,000, down 36.4% from HKD 16,300,000 in the previous year[61]. - Revenue from credit investigation services increased to HKD 10,467,000, up 18.2% from HKD 8,852,000 year-on-year[61]. - Total revenue from customer contracts was HKD 27,791,000, a decline of 20.5% compared to HKD 35,029,000 in the previous year[61]. - Rental income was HKD 13,513,000, slightly down from HKD 14,001,000, representing a decrease of 3.5%[61]. Operational Strategies - The company is focusing on enhancing its service offerings and exploring new market opportunities to drive future growth[6]. - The board is committed to implementing strategic initiatives aimed at improving operational efficiency and financial performance moving forward[6]. - The company aims to strengthen the synergy of multiple platforms within its ecosystem to further develop its leasing business[156]. - The company is diversifying its business risks by issuing smaller loan amounts against more liquid leasing assets[156]. - The company is expanding its operational locations to mitigate geographical risks and provide sustainable income sources[156]. - The group is enhancing its ecosystem by providing value-added services such as due diligence, credit assessment, and debt recovery, which contribute to overall growth and operational synergies[199]. Cost Management - The company is implementing active cost-saving measures to improve operating cash flow and financial condition, ensuring sufficient working capital for at least the next twelve months[37]. - Personnel costs for the reporting period were approximately HKD 13.1 million, a decrease of about 2.7% compared to approximately HKD 13.4 million for the same period last year, primarily due to a reduction in the number of employees[165]. - Other operating expenses for the reporting period were approximately HKD 7.2 million, a decrease of about 13.4% from approximately HKD 8.4 million for the same period last year, mainly due to the implementation of active cost-saving measures[166]. - Financial costs for the reporting period were approximately HKD 1.1 million, a decrease of about 66.5% from approximately HKD 3.4 million for the same period last year, primarily due to a reduction in borrowing and financing activities[169]. Challenges and Outlook - The company faces challenges due to global economic uncertainty and geopolitical tensions affecting its leasing clients' financial conditions and cash flows[199]. - The board recognizes the importance of exploring synergies within its ecosystem to strengthen operations and achieve stable revenue growth[199]. - The company remains optimistic about its ability to achieve sustained growth and create value for shareholders as economic and geopolitical conditions improve[199].

Financial Performance - For the six months ended September 30, 2024, the company reported total revenue of HKD 41,304,000, a decrease of 16.4% compared to HKD 49,197,000 for the same period in 2023[4] - The company incurred a loss before tax of HKD 3,436,000, compared to a profit of HKD 1,303,000 in the previous year[4] - The net loss attributable to the company's owners for the period was HKD 4,258,000, compared to a profit of HKD 1,232,000 in the same period last year[4] - The company reported a comprehensive loss of HKD 2,024,000 for the period, compared to a comprehensive income of HKD 875,000 in the previous year[4] - The group reported a pre-tax loss of HKD 3,436,000 for the six months ended September 30, 2024[19] - The group reported a loss of approximately HKD 3.4 million for the period, compared to a profit of approximately HKD 1.3 million for the same period last year[77] Assets and Liabilities - The company's total assets as of September 30, 2024, were HKD 74,081,000, an increase from HKD 69,992,000 as of March 31, 2024[6] - Total assets increased to HKD 89,454,000 as of September 30, 2024, compared to HKD 84,692,000 as of March 31, 2024[30] - Total liabilities rose to HKD 73,413,000 as of September 30, 2024, from HKD 66,954,000 as of March 31, 2024[36] - Current liabilities exceeded current assets by HKD 47,414,000, indicating a negative working capital situation[11] - Non-current liabilities increased significantly, with lease liabilities rising to HKD 3,594,000 from HKD 1,020,000[8] Financing and Liquidity - The company has secured a total of HKD 28,000,000 in unsecured term loan financing to improve operational liquidity, with an interest rate of 6%[11][12] - As of September 30, 2024, total financing amounting to HKD 59,712,000 is available and unused[13] - The group has secured a total of HKD 28,000,000 in unsecured term loan financing from major shareholders and partners, with an interest rate of 6%[98] - The group has a total unused financing amount of HKD 59,712,000 as of September 30, 2024, indicating available liquidity for operational needs[101] - The group anticipates sufficient operating funds for at least the next twelve months to meet its financial obligations[15] Revenue Segmentation - The group reported segment revenue from leasing services of HKD 20,516,000 and debt collection services of HKD 20,788,000, totaling HKD 41,304,000 for the six months ended September 30, 2024[19] - Revenue from debt collection services decreased to HKD 10,321,000 for the six months ended September 30, 2024, down from HKD 16,300,000 in the same period last year[38] - Revenue from debt collection services decreased due to the slowdown of the domestic economy in China, affecting debtors' repayment ability[70] Cost Management - The group has implemented active cost-saving measures to improve cash flow and financial condition[15] - Personnel costs for the period were approximately HKD 13.1 million, a decrease of about 2.7% from approximately HKD 13.4 million for the same period last year[71] - Other operating expenses were approximately HKD 7.2 million, a decrease of about 13.4% from approximately HKD 8.4 million for the same period last year, mainly due to cost-saving measures[72] Employee and Operational Insights - The group has 127 employees across Hong Kong, China, and Singapore, with a salary structure based on performance, experience, and industry standards[83] - The total personnel costs for the six months ended September 30, 2024, amounted to HKD 13,079,000, a slight decrease from HKD 13,448,000 in the previous year[42] Economic and Market Conditions - The company faces challenges due to global economic uncertainty and geopolitical tensions affecting its leasing clients' financial conditions and cash flows, leading to difficulties in debt repayment and extended recovery times[103] - The group faces increased credit risk due to the economic slowdown affecting small and medium-sized enterprises, which may impact asset quality and recoverability[86] Future Outlook - Despite these challenges, the company remains committed to achieving stable revenue growth and diversification through collaborative efforts[103] - The company is optimistic about its ability to achieve sustained growth and create shareholder value as economic and geopolitical conditions improve in the future[103]

（於開曼群島註冊成立的有限公司） 中 國 眾 金 控股有限公 司 （股份代號：03963） 盈利警告 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。 CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED 本公司或會適時另行刊發公告以向股東提供最新情況。 本公告所載資料僅基於本集團目前可得資料及董事會參考本集團於報告期間之 未經審核綜合管理賬目進行的初步評估，有關資料及評估仍須經本公司審核委 員會和董事會內部審閱及確認，因此可能會作出調整。本公司目前仍在籌備及完 成報告期間之業績公告，預計將於二零二四年十一月底按照上市規則發布。 股東及潛在投資者於買賣本公司股份時務須審慎行事。 承董事會命 中國融眾金融控股有限公司 執行董事 黃凱恩 本公告乃中國融眾金融控股有限公司（「本公司」及，連同其附屬公司統稱「本集 團」）根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.09(2)(a)條 及香港法例第 ...

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。 中國融眾金融控股有限公司（「本公司」及連同其附屬公司統稱「本集團」）董事 （「董事」）會（「董事會」）茲通告謹定於二零二四年十一月二十七日（星期三）舉 行董事會會議，以考慮及通過本集團截至二零二四年九月三十日止六個月的中 期業績，及建議之中期股息（如有），以及處理其他事項。 於本公告日期，本公司的執行董事為黃凱恩女士；本公司的非執行董事為劉曉峰先生、黃悅怡 女士、黃逸怡女士及黃銘斌先生；及本公司的獨立非執行董事為李志榮先生及吳旭洋先生。 （於開曼群島註冊成立的有限公司） 中 國 眾 金 控股有限公 司 執行董事 （股份代號：03963） 黃凱恩 董事會召開日期 香港，二零二四年十一月十三日 承董事會命 中國融眾金融控股有限公司 CHINA RONGZHONG FINANCIAL HOLDINGS COMPANY LIMITED ...

Financial Performance - Revenue for the fiscal year ending March 31, 2024, was HKD 89,004,000, an increase of 5% from HKD 84,833,000 in the previous year[154]. - Loss before tax improved to HKD (7,504,000) from HKD (123,327,000) year-over-year, indicating a significant reduction in losses[154]. - Total assets decreased to HKD 84,692,000 from HKD 93,635,000, reflecting a decline of approximately 9%[154]. - Total liabilities were reduced to HKD (66,954,000) from HKD (118,635,000), showing a decrease of about 44%[154]. - The company reported a total comprehensive loss of HKD (8,006,000) compared to HKD (70,734,000) in the previous year, marking a substantial improvement[154]. Corporate Governance - The board has reviewed the company's corporate governance policies and practices, ensuring compliance with legal and regulatory requirements[28]. - The independent non-executive directors have confirmed their independence in accordance with the listing rules[33]. - The company has only two independent non-executive directors, which is below the minimum requirement of three as per listing rules[196]. - The company currently has no chairman fulfilling the responsibilities outlined in the corporate governance code, but the board believes it can ensure balanced power distribution through its operations[197]. - The company has not yet fulfilled the composition requirements for its audit, remuneration, and nomination committees due to the resignation of an independent non-executive director[196]. Risk Management - The group faces foreign currency risks primarily from transactions denominated in Renminbi and US dollars, which may adversely affect net asset value and earnings due to exchange rate fluctuations[37]. - The company has no foreign exchange hedging policy currently in place to mitigate currency risks but will monitor these risks closely[37]. - The economic recovery post-pandemic has not been as optimistic as expected, significantly impacting the cash flow and repayment capabilities of small and medium-sized enterprise clients[62]. - Inflationary pressures increased operational costs for both the company and its clients, affecting profitability and disposable income[157]. Business Strategy - The company maintained stable growth despite external uncertainties and intense market competition, focusing on diversifying revenue sources and enhancing synergies across multiple platforms[61]. - The company emphasizes the potential of the leasing industry in contributing sustainable income and supporting economic development[61]. - The company successfully expanded its leasing business to multiple locations in China, enhancing its market presence and diversifying business risks[182]. - The introduction of value-added services such as credit assessment, investigation, and debt collection has generated additional revenue streams, contributing to overall growth[182]. - The company plans to further expand its leasing business and recover overdue receivables to mitigate business risks[183]. Environmental, Social, and Governance (ESG) Initiatives - The group is committed to enhancing its management of "green operations" and addressing climate change in line with China's clearer emission reduction targets[40]. - The company continues to focus on enhancing its ESG initiatives, with senior management overseeing ESG efforts[69]. - The company aims to strengthen climate change management and address potential risks associated with rising temperatures and regulatory compliance[80]. - The company has implemented effective resource utilization measures, including encouraging employees to use reusable items and reducing plastic waste[78]. - The group has established an ESG governance framework, with the board overseeing ESG initiatives and an ESG working group in place[124]. Related Party Transactions - The company reported a related party balance of approximately HKD 32.8 million as of March 31, 2024, compared to HKD 43.2 million in 2023[11]. - The company entered into a supplementary agreement with Shanghai Nanlang to extend the loan facility's maturity date to July 1, 2024, with an annual interest rate of 5.0%[11]. - The trademark licensing agreements and financing lease guarantee agreements were established under favorable terms for the company, with all applicable percentage ratios below 0.10% or 5% and total consideration below HKD 3 million[12]. - The company has established a priority purchase right for any equity interests in restricted businesses acquired by certain covenant parties[17]. Shareholder Relations - The company is committed to creating long-term stable returns for shareholders and providing quality products and services to customers[68]. - The management expressed gratitude to shareholders and stakeholders for their unwavering support during a challenging year[158]. - The board confirmed the adequacy of public float as per Listing Rule 8.08[112]. Audit and Compliance - The audit committee has carefully reviewed the basis for the qualified audit opinion on the consolidated financial statements for the year ended March 31, 2024[67]. - The auditor for the past three years was Hong Kong Lixin Dehao CPA, with a change to Dahua Mashiyun CPA effective April 8, 2022[113].