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: 佐力科創小額貸款股份有限公司 (於中華人民共和國註冊成立之股份有限公司） 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 | 其他類別 (請註明) | | | 於香港聯交所上市 (註1) | 否 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 880,000,000 | RMB | | 1 | RMB | | 880,000,000 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 880,000,000 | RMB | | 1 ...

Core Insights - Zhaoli Small Loan (06866) reported a net interest income of 111 million yuan for the nine months ending September 30, 2025, representing a year-on-year decrease of 7.55% [1] - The profit attributable to the owners of the parent company was 51.694 million yuan, down 11.31% year-on-year [1] Financial Performance - Net interest income: 111 million yuan, down 7.55% year-on-year [1] - Profit attributable to parent company owners: 51.694 million yuan, down 11.31% year-on-year [1]

Core Insights - Zhaoli Microfinance (06866.HK) reported a net interest income of RMB 111 million for the nine months ending September 30, 2025, representing a year-on-year decrease of 7.6% [1] - The profit attributable to the owners of the parent company for the same period was RMB 51.694 million, down 11.3% year-on-year [1] Financial Performance - Net interest income: RMB 111 million, down 7.6% year-on-year [1] - Profit attributable to owners: RMB 51.694 million, down 11.3% year-on-year [1]

Financial Performance - For the nine months ended September 30, 2025, interest income was RMB 132,080,000, a decrease of 11.9% from RMB 149,899,000 in the same period of 2024[4] - Net interest income for the same period was RMB 110,597,000, down 7.9% from RMB 119,628,000 year-on-year[4] - The company reported a profit for the period of RMB 53,689,000, a decrease of 11.3% compared to RMB 60,512,000 in the previous year[4] - The company incurred impairment losses of RMB 9,418,000, significantly lower than RMB 20,403,000 in the previous year, indicating improved asset quality[4] - Administrative expenses decreased to RMB 29,275,000 from RMB 31,463,000, a reduction of 6.9% year-on-year[4] Assets and Liabilities - Total assets as of September 30, 2025, were RMB 2,521,138,000, down from RMB 2,578,519,000 at the end of 2024, reflecting a decrease of 2.2%[5] - Total liabilities decreased to RMB 441,324,000 from RMB 537,408,000, a reduction of 18%[5] - The company's net assets increased to RMB 2,079,814,000 from RMB 2,041,111,000, reflecting a growth of 1.9%[5] Cash Flow - Cash and cash equivalents increased to RMB 23,776,000 from RMB 10,515,000, showing a significant increase of 126.5%[5] Earnings Per Share - The company’s earnings per share for the period were not disclosed in the provided data[3]

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倚賴該等內容而引致之任何損失 承擔任何責任。 佐 力 科 創 小 額 貸 款 股 份 有 限 公 司 (Zuoli Kechuang Micro-finance Company Limited * ) （ 於中華人民共和國註冊成立的股份有限公司） （股份代號：6866） 董事會會議召開日期 佐力科創小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）謹此公佈，本公司 謹定於二零二五年十月二十八日（ 星期二 ）舉行董事會會議，以（ 當中包括 ）考慮及批准本公 司及其附屬公司截至二零二五年九月三十日止九個月之未經審核綜合第三季度業績及其刊 發。 俞寅 香港，二零二五年十月十六日 於本公告日期，執行董事為俞寅先生、鄭學根先生、楊晟先生及胡芳芳女士；非執行董事為潘忠敏先生；以 及獨立非執行董事為陳健民先生、趙旭強先生及楊婕女士。 * 僅供識別 承董事會命 佐力科創小額貸款股份有限公司 董事長 ...

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 FF301 公司名稱: 佐力科創小額貸款股份有限公司 (於中華人民共和國註冊成立之股份有限公司） 呈交日期: 2025年10月2日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 880,000,000 | RMB | | 1 | RMB | | 880,000,000 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 880,000,000 | RMB | | 1 | RMB | | 880,0 ...

Core Viewpoint - Zhaoli Microfinance (06866.HK) announced the completion of a name and business scope change for its non-wholly owned subsidiary, Hangzhou High-tech Zone (Binjiang) Xingyao Puhui Microfinance Co., Ltd. This change is part of the company's strategy to focus on risk control and stable operations rather than aggressive expansion [1] Group 1 - The company holds a 66% stake in Xingyao Microfinance, which held a shareholders' meeting on September 5, 2025, to approve the necessary changes [1] - The company will continue to focus on the Huzhou market through its main operating platform, Deqing Jinhui Microfinance Co., Ltd. [1] - The company has reached a consensus to exit the microfinance market and will gradually recover outstanding loans following the changes [1] Group 2 - The strategic shift aims to save operational costs for the group amid the overall market environment [1] - The company prioritizes risk control and stable operations over aggressive scale expansion [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，並表明不會就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。 （股份代號：6866） 自願公告 非全資附屬公司變更公司名稱及業務範圍 此乃佐力科創小額貸款股份有限公司（「本公司」，連同其附屬公司統稱「本集團」）自願作出 的公告。 佐 力 科 創 小 額 貸 款 股 份 有 限 公 司 (Zuoli Kechuang Micro-finance Company Limited * ) （ 於中華人民共和國註冊成立之股份有限公司） 本公司董事（「董事」）會謹此宣佈，於二零二五年九月十二日，本公司持有66%股權的非全 資附屬公司杭州市高新區（ 濱江 ）興耀普匯小額貸款有限公司（「興耀小貸」）已完成公司名稱 及業務範圍的變更（「該等變更」）。興耀小貸已於二零二五年九月五日召開股東會審議相關 事宜，並取得股東有關於根據適用法律法規就該等變更辦理一切必要的工商登記手續的批 准。 該等變更詳情 公司名稱 變更前﹕杭州市高新區（ 濱江）興耀普匯小額貸款有限公司 變更後﹕杭州祺躍貿易有限 ...

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: 佐力科創小額貸款股份有限公司 (於中華人民共和國註冊成立之股份有限公司） 呈交日期: 2025年9月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 880,000,000 RMB | | | 1 RMB | | 880,000,000 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 880,000,000 RMB | | | 1 RMB | | 880,000,0 ...

Loan Portfolio and Financial Performance - As of June 30, 2025, the total amount of loans issued by the company and two other micro-lending companies in Deqing reached RMB 1.39 billion, with the company accounting for approximately 82.7% of this total[13] - The loan balance (excluding accrued interest) as of June 30, 2025, reached RMB 2.96 billion, with the company's share being approximately 86.8%[13] - The total amount of loans and advances provided to customers (excluding accrued interest) as of June 30, 2025, was RMB 2,571.6 million, with a leverage ratio of 2.18, down from 2.24 on December 31, 2024[16] - The total amount of loans and advances to customers was RMB 2,592.5 million as of June 30, 2025, a decrease from RMB 2,656.3 million as of December 31, 2024[40] - The overdue loan balance as of June 30, 2025, was RMB 99.6 million, representing 3.8% of the total loan balance, down from 4.0% on December 31, 2024[23] - The impaired loan ratio as of June 30, 2025, was 3.8%, down from 3.9% on December 31, 2024, with impaired loan balances of RMB 99.3 million and RMB 104.7 million, respectively[20][22] - The provision coverage ratio increased to 191% as of June 30, 2025, compared to 185% on December 31, 2024, reflecting a stronger reserve against potential loan losses[20] - The average interest rate on loans decreased from 7.6% for the six months ended June 30, 2024, to 6.8% for the six months ended June 30, 2025, due to a continuous decline in lending rates from banks and peers[16] - The company actively explores green lending models, focusing on sectors such as ecological agriculture, renewable energy, and energy-saving technologies[14] - The company maintains a strong focus on serving small and micro enterprises, particularly in the agricultural, industrial, and service sectors[17] Financial Results and Income Statement - Net interest income for the six months ended June 30, 2025, was RMB 73.8 million, down from RMB 81.4 million for the same period in 2024, representing a decrease of approximately 9.1%[26] - Total interest and commission expenses decreased from RMB 21.2 million in 2024 to RMB 16.4 million in 2025, a reduction of approximately 22.5%[27] - Other net income decreased from RMB 17.4 million in 2024 to RMB 11.5 million in 2025, primarily due to a reduction in government grants and foreign exchange gains[28] - Impairment losses for the six months ended June 30, 2025, were RMB 12.5 million, compared to a reversal of RMB 4.6 million in 2024[29] - Total profit and comprehensive income for the six months ended June 30, 2025, was RMB 33.5 million, down from RMB 46.6 million in 2024, indicating a decrease of approximately 28.1%[33] - The company reported a net loss of RMB 11,510,000 for the six months ended June 30, 2025, compared to a net income of RMB 17,408,000 for the same period in 2024[91] - Basic and diluted earnings per share were RMB 0.03, down from RMB 0.04 in the previous year[73] Assets and Liabilities - As of June 30, 2025, total assets were RMB 2,519,203,000, a decrease of 2.3% from RMB 2,578,519,000 at the end of 2024[76] - Total liabilities decreased to RMB 459,556,000, down 14.5% from RMB 537,408,000 at the end of 2024[76] - The asset-liability ratio decreased to 20.1% as of June 30, 2025, down from 24.1% as of December 31, 2024, primarily due to a reduction in interest-bearing loans by RMB 75.7 million[51] - The company reported interest-bearing borrowings of RMB 412.6 million, down from RMB 488.3 million as of December 31, 2024[34] - The company has no significant contingent liabilities as of June 30, 2025, maintaining a stable financial position[62] Operational Highlights and Market Position - The company is the first and only green micro-lending company in Huzhou, capitalizing on the region's favorable financial ecological environment[12] - The company operates primarily in Deqing County, which is a key area for green financial innovation and sustainable development in Zhejiang Province[12] - The company has positioned itself to benefit from the national strategy for high-quality development and common prosperity in Zhejiang Province, initiated by the State Council in May 2021[12] - Deqing has been recognized in multiple national rankings for comprehensive strength, green development, and technological innovation, enhancing the local financial services sector[12] - The company is actively exploring opportunities in high-tech and biopharmaceutical sectors, as several innovative enterprises have chosen Deqing as their headquarters[12] Shareholder and Governance Information - The company has a significant concentration of ownership, with major shareholders holding substantial percentages of the issued share capital[159] - Mr. Yu Youqiang controls approximately 37.58% of the company's issued shares through various entities, including Puhua Energy and Zhaoli Holdings[158] - Puhua Energy has pledged 322,540,960 domestic shares, representing 27.33% of the company's total issued share capital[165] - The board has decided not to declare any interim dividends for the six months ended June 30, 2025, consistent with the previous year[162] - The company maintains a public float of at least 25% of its issued shares as required by listing rules[152] Compliance and Risk Management - The company has established mechanisms to cover credit risks in its micro-lending business, including pre-loan assessments and post-loan monitoring[125] - The company is committed to monitoring compliance with financial covenants related to its borrowing arrangements[113] - The group’s liquidity risk is monitored regularly to ensure adequate cash reserves are maintained to meet financial obligations[131] - The company has no violations of bank loan covenants as of June 30, 2025, and December 31, 2024[114]