致：香港交易及結算所有限公司 公司名稱: 國農金融投資有限公司 呈交日期: 2025年9月2日 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 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) | 08120 | 說明 | 不適用 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 100,000,000,000 | HKD | | 0.01 HKD | | 1,000,000,000 | | 增加 / 減少 (-) | | | | | | HKD | | | | 本月底結存 | | | 100,000,000,000 | HKD | | 0.01 HKD | | 1,000,000,000 | 本月底法定/註冊股本總額： ...

Dear Non-registered Shareholder(s) (Note 1) , China Demeter Financial Investments Limited (the "Company") – Notification of publication of 2025 Interim Report (the "Current Corporate Communication") The English and Chinese versions of the Company's Current Corporate Communications are available on the Company's website at http://www.chinademeter.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 ...

(Incorporated in the Cayman Islands and continued in Bermuda with limited liability) （於開曼群島註冊成立及於百慕達存續之有限公司） （Stock Code 股份代號：8120） NOTIFICATION LETTER 通知信函 21 August 2025 Dear Registered Shareholders. China Demeter Financial Investments Limited (the "Company") – Notice of publication of 2025 Interim Report (the "Current Corporate Communication") 各位登記股東： 國 農 金 融 投 資 有 限 公 司（「本 公 司」） –刊 發2025中 期 報 告（「本 次 公 司 通 訊」） 本 公 司 的 本 次 公 司 通 訊 之 中、英 文 版 本 已 分 別 上 載 於 本 公 司 網 站(http://www.chinademeter.com)及 香 港 聯 合 交 易 ...

Interim Report 中期報告 2025 Characteristics of GEM of The Stock Exchange of Hong Kong Limited ("Stock Exchange") 香港聯合交易所有限公司（「 聯交所」）GEM之特點 GEM has been positioned as a market designed to accommodate small and mid-sized companies to which a higher investment risk may be attached than other companies listed on the Stock Exchange. Prospective investors should be aware of the potential risks of investing in such companies and should make the decision to invest only after due and careful consideration. Given that t ...

智通财经APP讯，国农金融投资(08120)公布2025年中期业绩，总收入5176.6万港元，同比减少24.72%; 公司拥有人应占亏损1764.3万港元，同比增长47.06%;每股亏损14.6港仙。 ...

国农金融投资(08120)公布2025年中期业绩，总收入5176.6万港元，同比减少24.72%;公司拥有人应占亏 损1764.3万港元，同比增长47.06%;每股亏损14.6港仙。 ...

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 或任何部分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。 （於開曼群島註冊成立及於百慕達存續之有限公司） （股份代號：8120） 二零二五年中期業績公佈 國 農 金 融 投 資 有 限 公 司（「本公司」，連 同 其 附 屬 公 司 稱 為「本集團」）董 事（「董 事」） 會（「董事會」）欣 然 公 佈 本 集 團 截 至 二 零 二 五 年 六 月 三 十 日 止 六 個 月 之 未 經 審 核 業 績。本 公 佈 載 有 本 公 司 二 零 二 五 年 中 期 報 告 全 文，乃 符 合 香 港 聯 合 交 易 所 有 限公司GEM證 券 上 市 規 則（「GEM上市規則」）中 有 關 中 期 業 績 初 步 公 佈 附 載 資 料 之相關要求。 承董事會命 國農金融投資有限公司 主 席 吳文俊 香港，二零二五年八月十五日 於本公告日期，董事會包括三名執行董事，即吳文俊先生、吳廷浩先生及陳志鋒 先生及三名獨立非執行董事，即陳衍行先生、洪君毅先生及吳婧女士。 ...

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。 （於開曼群島註冊成立及於百慕達存續之有限公司） （股份代號：8120） 董事會會議日期 國農金融投資有限公司 主 席 吳文俊 香港，二零二五年八月一日 於本公告日期，董事會包括三名執行董事，即吳文俊先生、吳廷浩先生及陳志鋒 先生及三名獨立非執行董事，即陳衍行先生、洪君毅先生及吳婧女士。 本公告的資料乃遵照GEM上 市 規 則 而 刊 載，旨 在 提 供 有 關 本 公 司 的 資 料。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 份，且 並 無 遺 漏 任 何 其 他 事 項，足 以 令 致 本 公 告 所 載 任 何 陳 述 或 本 公 告產生誤導。 本公告將由刊登之日起計最少一連七日刊登於聯交所網站(www.hkexnews ...

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: 國農金融投資有限公司 呈交日期: 2025年8月1日 I. 法定/註冊股本變動 FF301 II. 已發行股份及/或庫存股份變動 | 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) | 08120 | 說明 | 不適用 | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 135,522,300 | | 0 | | 135,522,300 | | 增加 / 減少 (-) | | | 0 | | | | | | 本月底結存 | | | 135,522,300 | | 0 | | 135,522,300 | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | ...

Financial Performance - For the year ended December 31, 2024, the Group recorded revenue of approximately HK$134,342,000, a decrease of 14.5% from HK$156,940,000 in 2023[20] - Loss attributable to owners of the Company amounted to approximately HK$38,397,000, compared to a loss of HK$45,308,000 in 2023, indicating an improvement of 15.5%[20] - General and administrative expenses totaled approximately HK$122,132,000 for the year[20] - Revenue from continuing operations increased by approximately 14.4% to approximately HK$134,342,000, compared to HK$156,940,000 in 2023[40] - The Group recorded a fair value gain on financial assets through profit or loss of approximately HK$175,000, a significant recovery from a loss of approximately HK$13,232,000 in 2023[28] - The Group recorded a net loss attributable to owners of approximately HK$38,397,000 for the year ended 31 December 2024, an improvement from a loss of HK$45,308,000 in 2023[39] Revenue Breakdown - Income from the food and beverage business was approximately HK$117,425,000, contributing significantly to overall revenue[20] - Revenue from the financial services business amounted to approximately HK$9,615,000, an increase from HK$9,149,000 in 2023[22] - The food and beverage business generated revenue of approximately HK$117,425,000, down from HK$139,815,000 in 2023[29] - The children education business saw revenue increase to approximately HK$5,354,000 from HK$4,598,000 in 2023[30] - The alcoholic beverage distribution and miscellaneous business revenue decreased to approximately HK$673,000 from HK$2,092,000 in 2023, indicating a need for performance monitoring[29] Impairment and Losses - The impairment loss of property, plant and equipment was approximately HK$8,579,000, and the impairment loss of loans and interest receivables was approximately HK$2,135,000[20] - The reversal of impairment loss of trade receivables was approximately HK$1,250,000, providing some offset to losses[20] - The Group recorded an impairment loss on loans and interest receivables of approximately HK$2.1 million for the year ended December 31, 2024, a decrease from approximately HK$4 million in 2023[93] - The accumulated impairment loss of approximately HK$8.4 million represented about 68.2% of gross loans and interest receivables as of December 31, 2024[94] - An impairment loss of goodwill of approximately HK$30,000 was recognized for the alcoholic beverage distribution business, down from HK$107,000 in the previous year, indicating a reduction of approximately 72%[200] Market Conditions and Strategy - The Chairman highlighted external challenges such as rising trade protectionism and slower U.S. interest rate reductions that may impact future growth[33] - The Group aims to adapt strategies proactively to safeguard growth and profitability amid evolving economic conditions[33] - The food and beverage industry in Hong Kong faced significant challenges in 2024, with a notable 11.3% year-on-year decline in retail sales in December 2024, marking the tenth consecutive month of contraction[49] - The Group plans to focus resources on the Hong Kong market to enhance operational efficiency[29] - The Group continues to enhance its brand portfolio and secure commercially viable locations for new restaurants under favorable terms despite market pressures[57] Money Lending Business - The Group utilized surplus liquidity to fund its money lending business through its indirectly wholly-owned subsidiaries[21] - As of December 31, 2024, the aggregate net amount of loans and interest receivable in the Group's money lending segment was approximately HK$3.9 million, with personal loans and corporate loans representing approximately 52.4% and 47.6% of the total active and outstanding loan portfolio respectively[77] - The effective interest rate of the active and outstanding loans in the loan portfolio ranged from approximately 10% to 18% per annum as of December 31, 2024[78] - The Group's money lending business primarily targets well-heeled and reputable customers, including executives, businessmen, and professionals[85] - The Group has complied with applicable GEM Listing Rules when granting loans to customers under its money lending business segment[72] Credit Risk Management - The Group has implemented internal control measures to manage credit risk, including regular analysis of the loan portfolio and monitoring of loans post-drawdown[129] - The Credit Committee oversees the credit policy and loan portfolio, with members appointed by the Board[111] - Strict credit assessment procedures are in place to evaluate the repayment ability of customers, with no specific quantitative criteria for loan approvals[118] - The Group regularly monitors and revises the criteria used to identify significant increases in credit risk[108] - The expected credit loss (ECL) model is updated at each reporting date to reflect changes in credit risk since initial recognition[152] Margin Financing - As of 31 December 2024, the aggregate amount of trade receivable related to margin financing was approximately HK$44 million, with personal clients representing about 65% and business clients about 35% of the total[145][147] - The effective interest rate for active and outstanding loans to margin clients ranged from approximately 8.9% to 18.9% per annum, with margin loans being repayable on demand[150] - The Group's margin client receivables were secured by collateral securities valued at approximately HK$169.9 million as of December 31, 2024, down from HK$220.8 million in 2023[153] - For the year ended December 31, 2024, no impairment loss was recognized on loans to margin clients, compared to an impairment loss of HK$1.3 million in 2023[158] - The Group will continue to monitor the margin financing portfolio closely and adopt risk control strategies while expanding the customer base[154]