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汇财金融投资(08018) - 截至二零二五年六月三十日止年度财务表现之更新资料
2025-08-18 10:17
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。 截至二零二五年六月三十日止年度財務表現之更新資料 本公告乃由匯財金融投資控股有限公司(「本公司」,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GEM證券上市規則(「GEM上市規則」)第17.10條及 香港法例第571章證券及期貨條例第XIVA部項下之內幕消息條文(定義見GEM上 市規則)作出。 本公司董事(「董事」,及各為一名「董事」)會(「董事會」)謹此知會本公司股東(「股 東」)及潛在投資者,根據董事會現時可得之資料,本集團預計於截至二零二五年 六月三十日止六個月(「二零二五年中期」)錄得淨虧損減少不少於20%,而於截至 二零二四年六月三十日止六個月(「二零二四年中期」)則錄得淨虧損約9,900,000港 元。 預期淨虧損减少主要是由於以下各項的綜合影響(i)二零二五年中期本集團的的毛 利相較二零二四年中期的約10,900,000港元有所增加;(ii) 二零二四年中期確認的 按公平價值計 ...
汇财金融投资(08018) - 董事会会议通告
2025-08-13 09:01
匯財金融投資控股有限公司(「本公司」)董事(「董事」)會(「董事會」)謹此宣佈, 董事會將於二零二五年八月二十五日(星期一)舉行會議,藉以(其中包括)考慮 及批准本公司及其附屬公司截至二零二五年六月三十日止六個月之未經審核中期 綜合業績及其刊發,以及考慮建議派付股息(如有)。 代表董事會 匯財金融投資控股有限公司 主席 田一妤女士 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。 董事會會議通告 於本公告日期,董事會成員包括執行董事兼董事會主席田一妤女士,執行董事兼 本公司行政總裁田煥昕女士,執行董事余鈞楠先生,以及獨立非執行董事韓銘生 先生、鄧澍焙先生及洪嘉禧先生。 本公告的資料乃遵照香港聯合交易所有限公司的GEM證券上市規則而刊載,旨在 提供有關本公司的資料;各董事願就本公告的資料共同及個別地承擔全部責任。 各董事在作出一切合理查詢後,確認就其所知及所信,本公告所載資料在各重要 方面均屬準確完備,沒有誤導或欺詐成分,且並無遺漏任何事項,足以令致本公告 ...
汇财金融投资(08018) - 须予披露交易 - 重续租赁协议
2025-08-07 09:22
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。 租賃協議 於二零二五年八月七日(交易時段後),本公司(作為租戶)與業主(作為業主) 訂立租賃協議,內容有關以重續現有租賃協議,租期由二零二五年九月十五日至 二零二八年九月十四日止(包括首尾兩日),為期三年。 GEM上市規則之涵義 根據香港財務報告準則第16號「租賃」,本公司將須於其綜合財務狀況表中確認 租賃協議項下與租賃物業有關之使用權資產價值。因此,就GEM上市規則而言, 租賃協議項下擬進行之交易將被視為本集團一項資產收購。 由於基於本集團根據香港財務報告準則第16號將予確認之租賃協議項下物業之 使用權未經審核價值(即約3,130,000港元)計算得出的其中一項相關適用百分 比率(定義見GEM 上市規則)超過5% 但全部適用百分比率均少於25%,故根據 GEM上市規則第19章,租賃協議項下擬進行之交易構成本公司之須予披露交易, 須遵守GEM上市規則第19章之通知及公告規定。 租賃協議 須予披露交易– 重 ...
汇财金融投资(08018.HK)与深圳众办物业订立租赁协议
Ge Long Hui· 2025-08-06 10:05
Core Viewpoint - Huicai Financial Investment (08018.HK) has entered into a two-year lease agreement with Shenzhen Zhongban Property Co., Ltd. for the property to be leased by Huicai Yawan, effective from August 6, 2025 [1] Summary by Relevant Categories Company Information - Huicai Financial Investment has announced a lease agreement with Shenzhen Zhongban Property Co., Ltd. for a duration of two years [1] Lease Agreement Details - The lease agreement is set to commence on August 6, 2025, indicating a strategic move for the company in terms of property management and operational expansion [1]
汇财金融投资(08018) - 有关租赁协议之须予披露交易
2025-08-06 09:52
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。 有關租賃協議之須予披露交易 租賃協議 於二零二五年八月六日(交易時段後),匯財亞網(作為租戶)與出租人(作為出 租人)訂立租賃協議,內容有關租賃物業,租期由二零二五年八月十八日起至二 零二七年八月十七日止,為期兩年。 GEM上市規則之涵義 根據香港財務報告準則第16號「租賃」,本公司將須於其綜合財務狀況表中確認 租賃協議項下與租賃物業有關之使用權資產價值。因此,就GEM上市規則而言, 租賃協議項下擬進行之交易將被視為本集團收購一項資產。 由於基於本集團根據香港財務報告準則第16號將予確認之租賃協議項下物業之 使用權未經審核價值(即約900,000港元)計算得出的其中一項相關適用百分比率 (定義見GEM 上市規則)超過5% 但全部適用百分比率均少於25%,故根據GEM 上市規則第19章,租賃協議項下擬進行之交易構成本公司之須予披露交易,須遵 守GEM上市規則第19章之通知及公告規定。 租賃協議 於二零二五年 ...
汇财金融投资(08018) - 截至2025年7月31日止股份发行人的证券变动月报表
2025-08-04 08:19
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 | 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) | 08018 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,000,000,000 | HKD | | 0.05 | HKD | | 100,000,000 | | 增加 / 減少 (-) | | | | | | | HKD | | | | 本月底結存 | | | 2,000,000,000 | HKD | | 0.05 | HKD | | 100,000,000 | 本月底法定/註冊股本總額: HKD 100,000,000 FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 致:香港交易 ...
汇财金融投资(08018) - 2024 - 年度财报
2025-03-31 01:04
Financial Performance - The Group recorded revenue of approximately HK$49,055,000 for the year ended 31 December 2024, a decrease of approximately 6.3% compared to HK$52,326,000 in the previous year[22]. - The basic and diluted loss per share for the year were approximately HK2.53 cents, compared to approximately HK16.58 cents in 2023[22]. - Revenue from iAsia decreased by approximately 8.3% to approximately HK$46,780,000, down from approximately HK$51,015,000 in 2023[23]. - The decline in revenue was attributed to local stagnant economic sentiment and fierce market competition[23]. - Revenue from the money lending business increased by approximately 73.7% to approximately HK$2,275,000, contributing about 4.6% of the total revenue[27]. - The Group recorded a fair value loss on financial assets at fair value through profit or loss of approximately HK$4,409,000, compared to a gain of approximately HK$1,965,000 in the previous year[25]. - Gross profit for the year was approximately HK$27,009,000, a decrease of approximately 13.3% from HK$31,146,000 in 2023, with a gross profit margin of approximately 55.1% compared to 59.5% in 2023[129]. - The Group recorded a net loss after tax of approximately HK$12,338,000 for the year, a decrease of approximately 56.5% from HK$28,346,000 in 2023[131]. Revenue Sources - iAsia Online Systems Limited, the Group's principal operating subsidiary, contributed approximately 95.4% of the Group's revenue for the year[23]. - The Group's main operating subsidiary, iAsia, accounted for approximately 95.4% of the total revenue for the Year[26]. - Revenue from the financial trading software solutions business decreased by approximately 8.3% to approximately HK$46,780,000[35]. - The lending business generated revenue of approximately HK$2,275,000, representing an increase of about 73.7% from approximately HK$1,310,000 in 2023[48]. Cost Management and Operational Efficiency - The Group plans to implement stringent cost control measures and improve operational efficiency while exploring new business opportunities[30]. - Administrative expenses decreased by approximately 29.1% to HK$36,726,000 from HK$51,787,000 in 2023 due to cost control measures[130]. - The Group plans to adopt cost control measures and implement marketing campaigns to increase client engagement with its products and services[105]. Loan and Credit Management - The Group's money lending business is conducted through its wholly-owned subsidiary, Finsoft Finance Limited, which holds a money lender's license[46]. - As of December 31, 2024, the Group's loan receivables (net of loss allowance) amounted to approximately HK$35,677,000, an increase of about 45.6% from approximately HK$24,479,000 in 2023[47]. - The largest borrower accounted for approximately 14% of total loan receivables, down from approximately 21% in 2023, while the five largest borrowers represented approximately 49%, down from approximately 60% in 2023[49]. - The interest rates charged to customers ranged from 8% to 35.5% per annum, compared to 8% to 21.6% per annum in 2023[49]. - The ageing analysis of loan receivables showed that overdue loans amounted to HK$21,073,000, compared to HK$20,806,000 in 2023[53]. - The Group's management continuously monitors loan and interest receivables balances to mitigate credit risks[54]. - The Group assesses impairment loss on loan and interest receivables using the expected credit loss (ECL) model under HKFRS 9, considering factors like probability of default (PD) and loss given default (LGD)[66]. Investment Activities - The Group's asset investments portfolio consisted of securities held for trading, with details to be provided in the financial assets at fair value through profit or loss[91]. - Total investments as of December 31, 2024, amounted to HK$9,005,000, representing a decrease of HK$4,801,000 compared to the previous year[92]. - The unrealized loss from investments during the year was HK$3,629,000, indicating a challenging market environment[92]. - The Group recognized a net fair value loss on financial assets at fair value through profit or loss of approximately HK$4.4 million for the year, compared to a gain of approximately HK$1.97 million in 2023[105]. Corporate Governance - The Board held 6 meetings during the year to oversee business management, strategic decisions, and financial performance[184]. - The Company complies with corporate governance rules, having three independent non-executive directors, which constitutes at least one-third of the Board[200]. - The Board has established various committees to delegate responsibilities and ensure compliance with applicable laws and regulations[182]. - All Directors have full access to relevant information and can seek independent professional advice at the Company's expense[185]. Future Outlook and Strategy - The Group aims to diversify its income sources by seeking opportunities in IT services related to artificial intelligence and blockchain technology[39]. - The Group plans to continue exploring opportunities in IT services, including artificial intelligence and blockchain technology, to diversify income sources[164][169]. - The Group will adopt a prudent approach in granting new loans due to the instability of the financial market in Hong Kong[165][170]. - The Group's future investment plans remain unspecified, but it will consider any acquisition opportunities that arise[149][156].
汇财金融投资(08018) - 2024 - 年度业绩
2025-03-24 14:59
Company Overview - Finsoft Financial Investment Holdings Limited announced its annual performance for the year ending December 31, 2024[2]. - The company is listed on the GEM of the Stock Exchange of Hong Kong, which is designed for small and mid-sized companies, indicating a higher investment risk[8]. - The company’s headquarters is located in Wanchai, Hong Kong, which serves as its principal place of business[21]. - The stock code for Finsoft Financial Investment Holdings Limited is 8018, which is essential for investors tracking the company's performance[23]. Financial Performance - The Group recorded revenue of approximately HK$49,055,000 for the year ended 31 December 2024, a decrease of approximately 6.3% compared to HK$52,326,000 in the previous year[29]. - Gross profit for the year was approximately HK$27,009,000, a decrease of approximately 13.3% from HK$31,146,000 in 2023, with a gross profit margin of approximately 55.1% compared to 59.5% in 2023[149]. - The Group recorded a net loss after tax of approximately HK$12,338,000 for the year, a decrease of approximately 56.5% from HK$28,346,000 in 2023[151]. - Administrative expenses decreased by approximately 29.1% to approximately HK$36,726,000 from HK$51,787,000 in 2023 due to cost control measures[150]. - The Group's financial software solutions business faced revenue decline due to local economic stagnation and market competition, while the money lending business saw increased revenue[148]. Revenue Sources - The principal operating subsidiary, iAsia, contributed approximately 95.4% of the Group's revenue, with a revenue decrease of approximately 8.3% to HK$46,780,000[30]. - Revenue from the Group's money lending business increased by approximately 73.7% to HK$2,275,000, contributing approximately 4.6% of total revenue[31]. - The revenue from the money lending business division amounted to approximately HK$2,275,000, representing an increase of approximately 73.7% compared to HK$1,310,000 in 2023[55]. Risk Management - The report emphasizes the potential risks associated with investing in GEM-listed companies, advising investors to consider these risks carefully[12]. - The risk appetite for corporate investment and personal consumption is expected to remain conservative due to geopolitical uncertainties and a sluggish property market[37]. - The Group plans to implement stringent cost control measures and improve operational efficiency while exploring new business opportunities[38]. - The Group's management continuously monitors loan and interest receivables balances to minimize credit risks and default risks associated with the money lending business[64]. Loan Management - The Group's loan receivables balance (net of loss allowance) was approximately HK$35,677,000, an increase from approximately HK$24,479,000 in 2023[56]. - The ageing analysis of loan receivables showed that overdue loans amounted to HK$21,073,000, compared to HK$20,806,000 in 2023[63]. - The provision for impairment loss on loan and interest receivables is assessed under the expected credit loss (ECL) model, considering factors such as probability of default, loss given default, and exposure at default[78]. - The company has implemented internal control procedures to minimize credit and default risks associated with lending activities[66]. Corporate Governance - The board of directors confirmed that the information in the report is accurate and complete in all material respects[11]. - The company has a compliance officer and various board committees to ensure governance and regulatory adherence[19]. - The Company complied with all applicable code provisions set out in the Corporate Governance Code during the Year[193]. - All Directors confirmed compliance with the required standard of dealings regarding securities transactions during the Year[194]. Future Plans - The Group aims to diversify its income sources by seeking opportunities in IT services related to artificial intelligence and blockchain technology[47]. - iAsia will continue to strengthen its research and customer support capabilities to develop new products according to market trends[45]. - The Group plans to engage lawyers for advice on loan recovery and enforcement actions[96]. - The Group will continue to focus on strengthening product design and development capabilities to maximize long-term returns for shareholders[118]. Shareholder Information - Shareholders' equity increased to approximately HK$51,709,000 as of December 31, 2024, compared to HK$37,536,000 in 2023[159]. - The group did not recommend any dividend payment for the year, consistent with 2023[171].
汇财金融投资(08018) - 2024 - 中期财报
2024-08-27 08:36
Financial Performance - Revenue for the six months ended June 30, 2024, was HK$22,397,000, a decrease of 23.5% compared to HK$29,269,000 in the same period of 2023[5]. - Gross profit for the same period was HK$10,939,000, down 41.6% from HK$18,694,000 in 2023[5]. - Loss for the period was HK$9,888,000, slightly improved from a loss of HK$10,683,000 in the prior year, representing a decrease of 7.4%[6]. - Total comprehensive income for the period was HK$9,938,000, compared to HK$10,620,000 in 2023, indicating a decrease of 6.4%[5]. - Basic and diluted loss per share for the period was HK$6.34, compared to HK$6.24 in the same period of 2023[7]. - The company reported a loss for the period of HK$9,888,000 for the six months ended June 30, 2024, compared to a loss of HK$10,614,000 for the same period in 2023, showing a slight improvement[12]. - The group reported a total segment loss of HK$3,513,000 for the six months ended June 30, 2024, compared to a profit of HK$2,590,000 for the same period in 2023, marking a significant turnaround[26]. - The Group recorded a net loss after tax of approximately HK$9,888,000 for the Period, a decrease from approximately HK$10,683,000 in the six months ended 30 June 2023[75]. Revenue Breakdown - Total revenue for the six months ended June 30, 2024, was HK$21,475,000, a decrease from HK$28,705,000 in the same period of 2023, representing a decline of approximately 25.4%[22]. - Revenue from sales of technology software systems was HK$1,021,000, down from HK$2,746,000 in 2023, indicating a decrease of about 62.8%[22]. - Revenue from software licensing fees amounted to HK$9,571,000, compared to HK$11,058,000 in 2023, reflecting a decline of approximately 13.4%[22]. - Revenue from the money lending business increased by approximately 63.5% to HK$922,000, up from HK$564,000 in the same period last year[60]. - The Group's financial trading software solutions generated revenue of HK$21,475,000 for the six months ended June 30, 2024, compared to HK$28,705,000 in 2023, marking a decrease of approximately 25.4%[23]. Expenses and Costs - Administrative expenses were HK$18,323,000, down 30.9% from HK$26,531,000 in the previous year[5]. - Staff costs for the six months ended June 30, 2024, amounted to HK$18,179,000, a decrease of 15.5% from HK$21,574,000 in the same period of 2023[32]. - The company incurred finance costs of HK$148,000 for the six months ended June 30, 2024, compared to HK$177,000 in the same period of 2023[31]. Assets and Liabilities - As of June 30, 2024, total net assets increased to HK$54,109,000 from HK$37,536,000 as of December 31, 2023, representing a growth of approximately 44.1%[10]. - Total assets less current liabilities rose to HK$56,099,000 as of June 30, 2024, up from HK$39,707,000 at the end of 2023, reflecting an increase of approximately 41.3%[9]. - Consolidated total assets increased to HK$83,186,000 as of June 30, 2024, up from HK$68,597,000 as of December 31, 2023, representing a growth of 21.2%[27]. - Consolidated total liabilities decreased to HK$29,077,000 as of June 30, 2024, down from HK$31,061,000 as of December 31, 2023, a reduction of 6.4%[27]. - The company's accrued expenses and other payables as of June 30, 2024, totaled HK$12,416,000, down from HK$16,303,000 as of December 31, 2023, a decrease of about 23.8%[45]. Cash Flow and Financing - The company reported net cash used in operating activities of HK$9,493,000 for the six months ended June 30, 2024, compared to HK$5,795,000 for the same period in 2023, indicating a decline in cash flow from operations[13]. - Cash and cash equivalents at the end of the period stood at HK$23,369,000, up from HK$17,109,000 at the end of June 2023, marking an increase of approximately 36.5%[13]. - The company issued shares through a rights issue, raising HK$26,511,000 during the period, contributing to the increase in equity[12]. - The Group raised approximately HK$27.98 million through a Rights Issue, issuing up to 378,174,702 new ordinary shares at a subscription price of HK$0.074 per share[80][82]. Shareholder Information - As of June 30, 2024, Ms. Tin Yat Yu Carol held 145,868,000 shares, representing approximately 28.93% of the total issued shares of the Company[98]. - The total number of issued shares of the Company as of June 30, 2024, was 504,232,936 shares[98]. - The Company did not recommend any dividend for the six months ended June 30, 2024, consistent with the same period in 2023[34]. Governance and Compliance - The Audit Committee reviewed the unaudited condensed consolidated results and confirmed compliance with applicable accounting standards and adequate disclosures[104]. - The Company complied with all applicable code provisions in the Corporate Governance Code during the reporting period[102]. - The Company has adopted a code of conduct for securities transactions by Directors, which all Directors confirmed compliance with[102]. Future Outlook and Strategy - The Group aims to diversify its income sources by seeking opportunities in IT services related to artificial intelligence, blockchain technology, and application development[59]. - The Group will continue to focus on improving operational efficiency and maintaining competitiveness in the financial trading software solutions market[58]. - The Group will actively explore suitable investment opportunities while balancing risks and opportunities to generate returns for shareholders[97].
汇财金融投资(08018) - 2024 - 中期业绩
2024-08-27 08:35
Financial Performance - Revenue for the six months ended June 30, 2024, was HK$22,397,000, a decrease of 23.5% compared to HK$29,269,000 in the same period of 2023[6]. - Gross profit for the period was HK$10,939,000, down 41.6% from HK$18,694,000 in the previous year[6]. - Loss from operations was HK$9,658,000, slightly increased from a loss of HK$9,327,000 in the same period of 2023[6]. - Total comprehensive income for the period was a loss of HK$9,938,000, compared to a loss of HK$10,620,000 in 2023[7]. - The loss attributable to owners of the company was HK$9,888,000, a slight improvement from HK$10,683,000 in 2023[7]. - The company reported a loss per share of HK$ (6.34) for the six months ended June 30, 2024, compared to a loss of HK$ (6.24) for the same period in 2023[8]. - The company reported a consolidated loss before tax of HK$9,819,000 for the six months ended June 30, 2024, compared to a loss of HK$9,719,000 in 2023[28]. - The Group recorded a net loss after tax of approximately HK$9,888,000 for the Period, a decrease from approximately HK$10,683,000 in the six months ended 30 June 2023[76]. Revenue Breakdown - The Group's total revenue for the six months ended June 30, 2024, was HK$21,475,000, a decrease from HK$28,705,000 in the same period of 2023, representing a decline of approximately 25.4%[23]. - Revenue from sales of technology software systems was HK$1,021,000, down from HK$2,746,000 in 2023, indicating a decrease of about 62.8%[23]. - Revenue from outsourcing services fee was HK$566,000 for the six months ended June 30, 2024, compared to no revenue reported in the same period of 2023[23]. - The Group's revenue from software licensing fees was HK$9,571,000, a decrease from HK$11,058,000 in 2023, reflecting a decline of approximately 13.4%[23]. - Revenue from the money lending business increased by approximately 63.5% to HK$922,000 during the Period, up from approximately HK$564,000 for the six months ended 30 June 2023[61]. Expenses and Costs - Administrative expenses decreased to HK$18,323,000 from HK$26,531,000, reflecting a reduction of 30.9%[6]. - Staff costs for the six months ended June 30, 2024, amounted to HK$18,179,000, a decrease of 15.5% from HK$21,574,000 in 2023[33]. - The company incurred finance costs of HK$148,000 for the six months ended June 30, 2024, compared to HK$177,000 in 2023, reflecting a decrease[32]. - Director remuneration for the period ending June 30, 2024, was HK$1,961,000, a decrease of approximately 42.8% from HK$3,426,000 for the same period in 2023[53]. Assets and Liabilities - Total net assets increased to HK$54,109,000 as of June 30, 2024, up from HK$37,536,000 as of December 31, 2023, representing a growth of approximately 44.1%[11]. - Current assets totaled HK$66,905,000 as of June 30, 2024, compared to HK$53,599,000 as of December 31, 2023, indicating an increase of approximately 24.8%[10]. - Consolidated total assets increased to HK$83,186,000 as of June 30, 2024, up from HK$68,597,000 as of December 31, 2023, representing a growth of 21.3%[28]. - Consolidated total liabilities decreased to HK$29,077,000 as of June 30, 2024, down from HK$31,061,000 as of December 31, 2023, a reduction of 6.4%[28]. - The Group's loan receivables as of 30 June 2024 amounted to HK$82,471,000, with an impairment loss of HK$55,344,000, compared to HK$86,871,000 and HK$62,392,000 respectively as of 31 December 2023[38]. Cash Flow - The net cash used in operating activities was HK$ (9,493,000) for the six months ended June 30, 2024, compared to HK$ (5,795,000) in the same period of 2023, indicating a worsening cash flow situation[14]. - Cash and cash equivalents at the end of the period increased to HK$23,369,000 as of June 30, 2024, from HK$17,109,000 at the end of June 30, 2023, reflecting a growth of approximately 36.6%[14]. - The company generated net cash of HK$24,519,000 from financing activities during the six months ended June 30, 2024, compared to a net cash outflow of HK$ (3,754,000) in the same period of 2023[14]. Impairment and Provisions - The provision for impairment loss on loan and interest receivables was reversed by HK$808,000, compared to a provision of HK$1,218,000 in the previous year[6]. - The Group recorded a reversal of provision for impairment loss on loan and interest receivables of approximately HK$808,000 during the Period, compared to a provision of approximately HK$1,218,000 in the same period of 2023[61]. - The Group's expected credit loss (ECL) model indicated a total impairment of HK$57,503,000 for loan and interest receivables as of 30 June 2024[42]. Corporate Governance and Compliance - The Audit Committee reviewed the unaudited condensed consolidated results and confirmed compliance with applicable accounting standards and adequate disclosures[105]. - The Company complied with all applicable code provisions in the Corporate Governance Code during the reporting period[103]. - The Company has established an Audit Committee to monitor financial reporting, risk management, and internal control systems[104]. Future Outlook and Strategy - The company continues to focus on cost management and operational efficiency to improve financial performance in the future[5]. - The Group aims to diversify its income sources by seeking opportunities in IT services related to artificial intelligence, blockchain technology, and application development[60]. - The Group will maintain a conservative investment approach and closely monitor the performance of its securities investment portfolio[70]. - The Group aims to strengthen its presence in the IT industry and pursue business diversification to capture new growth prospects[98].