2022 第三季度報告 2022 Third Quarterly Report CMY CM MY CY CMY K ai166718782118_Capital Finance 3Q2022 Cover V03 op.ai .pdf 1 31/10/2022 上午11:43 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於聯交所上市之公司帶有較高投資風險之中小型公 司提供一個上市之市場。有意投資之人士應了解投資於該等公司之潛在風險，並 應經過審慎周詳之考慮後方作出投資決定。 由於在GEM上市之公司通常為中小型公司，在GEM買賣之證券可能會較於主板買 賣之證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通 量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，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報告全部或任何部分內容而產 生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金 融控股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此 ...

2022 中期報告 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於聯交所上市之公司帶有較高投資風險之中小型公 司提供一個上市之市場。有意投資之人士應瞭解投資於該等公司之潛在風險，並 應經過審慎周詳之考慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之 證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之 市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，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報告全部或任何部分內容而產 生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金 融控股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全 責。董事經作出一切合理查詢後確認，就彼等所深知及確信，本報告所載資料在各 重大方面均屬準確完整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實， 致使本報告所載任何聲明或本報告產生誤導。 1 首都金融控股有限公司 本公司董事會（「董事會」）欣然呈報本公司及 ...

2022 第一季度報告 2022 First Quarterly Report 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市 場。有意投資之人士應瞭解投資於該等公司之潛在風險，並應經過審慎周詳之考 慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之 證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之 市場。 香港交易及結算所有限公司及聯交所對本報告的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示概不就因本報告全部或任何部分內容而產生 或因依賴該等內容而引致的任何損失承擔任何責任。 本報告所載資料包括遵照聯交所GEM證券上市規則（「GEM上市規則」）規定提供有 關首都金融控股有限公司（「本公司」）的資料，本公司各董事（「董事」）對本報告所 載資料共同及個別承擔全部責任，並在作出一切合理查詢後確認，就彼等所深知 及確信，本報告所載資料在各重大方面均屬準確完整，且無誤導或欺詐成分，本 報告並無遺漏任何其他事實，致使本報告所載任何聲明或本報告產生誤導。 1 ...

2021 年 報 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市場。有意投資之人士應了解投資於 該等公司之潛在風險，並僅應經過審慎周詳之考慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受較大之市場波動風險，同 時無法保證在GEM買賣之證券會有高流通量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確 表示概不就因本報告全部或任何部分內容而產生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金融控股有限公司（「本公司」）之資 料。本公司董事（「董事」）願共同及個別對此負全責。董事經作出一切合理查詢後確認，就彼等所深知及確信，本報 告所載資料在各重大方面均屬準確完整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實，致使本報告所載任 何聲明產生誤導。 1 首都金融控股有限公司 二零二一年年報 目錄 | 3 | 公司資料 | | --- | --- | ...

由於在GEM上市之公司通常為中小型公司，在GEM買賣之證券可能會較於主板買 賣之證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通 量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，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報告全部或任何部分內容而產 生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金 融控股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全 責。董事經作出一切合理查詢後確認，就彼等所深知及確信，本報告所載資料在各 重大方面均屬準確完整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實， 致使本報告所載任何聲明或本報告產生誤導。 1 首都金融控股有限公司 2021 第三季度 報 告 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於聯交所上市之公司帶有較高投資風險之中小型公 司提供一個上市之市場。有意投資之人士應了解投資於該等公司之潛在風險，並 應經過審慎周詳之考慮後方作出投資決定。 本公司董事會（「董事會」）欣然 ...

2021 中期報告 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於聯交所上市之公司帶有較高投資風險之中小型公 司提供一個上市之市場。有意投資之人士應瞭解投資於該等公司之潛在風險，並 應經過審慎周詳之考慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之 證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之 市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，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報告全部或任何部分內容而產 生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金 融控股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全 責。董事經作出一切合理查詢後確認，就彼等所深知及確信，本報告所載資料在各 重大方面均屬準確完整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實， 致使本報告所載任何聲明產生誤導。 1 首都金融控股有限公司 本公司董事會（「董事會」）欣然呈報本公司及其附屬公 ...

2021 第一季度報告 2021 First Quarterly Report C M Y CM MY CY CMY K Capital Finance 1Q2021 cover_output.pdf 1 10/5/2021 上午11:43 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市 場。有意投資之人士應瞭解投資於該等公司之潛在風險，並應經過審慎周詳之考 慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之 證券承受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之 市場。 香港交易及結算所有限公司及聯交所對本報告的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示概不就因本報告全部或任何部分內容而產生 或因依賴該等內容而引致的任何損失承擔任何責任。 本報告所載資料包括遵照聯交所GEM證券上市規則（「GEM上市規則」）規定提供有 關首都金融控股有限公司（「本公司」）的資料，本公司各董事（「董事」）對本報告所 載資料共同及個別承擔全部責任，並在作出一切合理查詢後確 ...

Financial Performance - For the year ended December 31, 2020, the company recorded total revenue of approximately HKD 41,595,000, a decrease of about HKD 20,955,000 compared to HKD 62,550,000 in 2019, representing a decline of approximately 33.5%[17] - The decrease in total revenue was primarily due to the adverse economic environment caused by the COVID-19 pandemic and escalating tensions between China and the United States, which negatively impacted interest income from short-term financing services[17] - For the year ended December 31, 2020, the company recorded a loss attributable to owners of approximately HKD 75,952,000, an increase from HKD 36,849,000 in 2019, primarily due to a decrease in total revenue by approximately HKD 20,955,000 and an increase in expected credit loss provisions by approximately HKD 34,543,000[19] - The company's administrative and other expenses slightly increased from approximately HKD 41,372,000 in 2019 to approximately HKD 42,205,000 in 2020[18] - Revenue from short-term financing services was approximately HKD 39,197,000, down from HKD 60,997,000 in 2019, with a pre-tax operating loss of approximately HKD 6,755,000 compared to a profit of approximately HKD 41,630,000 in the previous year[20] Credit Loss Provisions - The expected credit loss provisions for the year amounted to approximately HKD 31,533,000, a significant increase compared to a reversal of approximately HKD 3,010,000 in 2019, driven by adverse economic conditions[18] Debt and Capital Management - As of December 31, 2020, the company's total liabilities were approximately HKD 428,255,000, a decrease from HKD 481,304,000 in 2019, resulting in a debt ratio of approximately 0.94 compared to 0.88 in 2019[27] - The company will consider adjusting the dividend amount paid to shareholders or issuing new shares to reduce debt as part of its capital structure management[28] - The company raised approximately HKD 9,600,000 from a placement of 105,264,000 new shares at a price of HKD 0.095 per share, with net proceeds used to repay short-term debts[36][43] - The company announced a rights issue on December 3, 2020, offering two new shares for every existing share at a subscription price of HKD 0.135, aiming to raise up to approximately HKD 75,900,000[39][40] - The actual net proceeds from the rights issue were approximately HKD 72,100,000, with plans to use these funds for various purposes including repayment of convertible bonds and establishing a new biotechnology business[43] Environmental Goals - The company aims to integrate environmental elements into daily operations and reduce greenhouse gas emissions as part of its environmental goals[63] - The total greenhouse gas emissions for the year ended December 31, 2020, were 108 tons, a decrease from 148 tons in 2019, resulting in a greenhouse gas density of 1.58 tons per employee, down from 1.97 tons in 2019[73] - The total indirect greenhouse gas emissions from electricity consumption were 87,559 kilograms in 2020, down from 120,225 kilograms in 2019[76] - The company implemented various energy-saving policies, encouraging employees to turn off lights during the day and maintain clean lighting fixtures[76] - The company aims to reduce paper usage by adopting the "3R" principle: Reduce, Reuse, and Recycle, promoting a paperless office environment[77] Employee and Workforce Management - As of December 31, 2020, the total number of employees was 68, a decrease from 75 in 2019[114] - Employee turnover for 2020 was 7, compared to 8 in 2019, indicating a slight improvement in retention[116] - The company maintains a balanced and diverse workforce, with 37 female and 31 male employees as of December 31, 2020[115] - The company has implemented a stock option plan since 2012 to attract and retain qualified employees[113] - The company is committed to providing a safe working environment and has established policies and procedures for employee safety[121] Corporate Governance - The company reported a stable operational structure with the same individual serving as both Chairman and CEO since December 1, 2015, which the board believes is effective for current business operations[163] - The company has adhered to all provisions of the GEM Listing Rules Appendix 15 Corporate Governance Code, with the exception of the separation of roles between the Chairman and CEO[163] - The management team includes experienced professionals with over 26 years in financial management and over 15 years in accounting and finance[161] - The board of directors consists of six members, including two executive directors and three independent non-executive directors[165] - The board is responsible for managing the overall business and enhancing shareholder value through strategic planning and oversight[167] Community Engagement - The company contributed approximately 229.5 hours to community activities in 2020, a significant increase from 36 hours in 2019[149] - The company has a commitment to support community needs and encourages employee participation in community health initiatives and charitable projects[148] Compliance and Risk Management - The company has established an anti-corruption policy to prevent bribery, fraud, and money laundering activities[143] - No confirmed violations or complaints related to bribery, extortion, fraud, or money laundering have been reported as of December 31, 2020[144] - The Audit Committee confirmed the effectiveness and adequacy of the group's risk management and internal control systems as of December 31, 2020[186]

2020 第三季度報告 THIRD QUARTERLY REPORT 2020 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市場。有意投資之人士應瞭 解投資於該等公司之潛在風險，並僅應經過審慎周詳之考慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受較大之市場波 動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 香港交易及結算所有限公司及聯交所對本報告的內容概不負責，對其準確性或完整性亦不發表任何聲明， 並明確表示概不就因本報告全部或任何部分內容而產生或因依賴該等內容而引致的任何損失承擔任何責任。 本報告所載資料包括遵照聯交所GEM證券上市規則（「GEM上市規則」）規定提供有關首都金融控股有限公 司（「本公司」）的資料，本公司各董事（「董事」）對本報告所載資料共同及個別承擔全部責任，並在作出一切 合理查詢後確認，就彼等所深知及確信，本報告所載資料在各重大方面均屬準確完整，且無誤導或欺詐成 分，本報告並無遺漏任何其他事實，致使本報告所載任何聲明或本報告產生誤導。 1 首都金 ...

Financial Performance - The company reported a revenue of HKD 22,061,000 for the six months ended June 30, 2020, a decrease of 26.2% compared to HKD 29,965,000 in the same period of 2019[3]. - The net loss for the six months ended June 30, 2020, was HKD 33,186,000, compared to a net loss of HKD 22,259,000 for the same period in 2019, representing an increase in loss of 49.4%[4]. - The company reported a total comprehensive loss of HKD 43,395,000 for the six months ended June 30, 2020, compared to HKD 23,727,000 in the same period of 2019, an increase of 83.1%[4]. - For the six months ended June 30, 2020, the company reported a total comprehensive loss of HKD 43,506,000, compared to a loss of HKD 27,157,000 for the same period in 2019, representing an increase of 60.5% in losses year-over-year[7]. - The basic and diluted loss per share for the six months ended June 30, 2020, was HKD 12.42, compared to HKD 9.87 for the same period in 2019, indicating a worsening of 25.5%[3]. - Loss attributable to owners of the company was approximately HKD 34,233,000, compared to a loss of HKD 25,696,000 in 2019, indicating a 33.4% increase in losses year-over-year[33]. Assets and Liabilities - Total assets decreased from HKD 536,151,000 as of December 31, 2019, to HKD 494,579,000 as of June 30, 2020, reflecting a decline of 7.8%[6]. - The company’s equity attributable to owners decreased significantly from HKD 21,367,000 to HKD (12,530,000), indicating a negative shift in shareholder equity[6]. - The total equity attributable to owners of the company decreased to HKD (1,002,320,000) as of June 30, 2020, from HKD (954,319,000) at the end of June 2019[9]. - The total amount of customer loans was HKD 356,631,000 as of June 30, 2020, down from HKD 392,224,000 as of December 31, 2019, representing a decrease of approximately 9.1%[40]. - The net amount of customer loans after loss provisions was HKD 242,742,000, a decrease of approximately 16.1% from HKD 289,399,000 in the previous year[40]. Cash Flow and Financing - The net cash generated from operating activities for the six months ended June 30, 2020, was HKD 23,397,000, a significant improvement from a cash outflow of HKD 31,845,000 in the prior year[10]. - The company issued new shares during the period, raising HKD 9,609,000, which contributed to its financing activities[10]. - The company’s financing activities resulted in a net cash outflow of HKD 36,010,000 for the six months ended June 30, 2020, compared to HKD 3,118,000 in the previous year[10]. - The company’s total reserves, including exchange reserves and capital reserves, were reported at HKD 280,749,000 as of June 30, 2020[9]. Expenses and Costs - The company’s administrative and other expenses decreased to HKD 16,747,000 for the six months ended June 30, 2020, down from HKD 18,221,000 in the previous year, a reduction of 8.1%[3]. - The company incurred employee costs (excluding directors' remuneration) of HKD 6,417,000 for the six months ended June 30, 2020, down 5.6% from HKD 6,797,000 in 2019[24]. - The income tax expense for the six months ended June 30, 2020, was HKD 765,000, a decrease of 71.1% from HKD 2,640,000 in the same period of 2019[26]. - The financial costs for the six months ended June 30, 2020, amounted to HKD 25,553,000, an increase of 3.3% from HKD 24,732,000 in the same period of 2019[23]. Credit Risk and Provisions - The expected credit loss provision for the six months was HKD 13,119,000, which increased from HKD 8,524,000 in the previous year, indicating a rise in credit risk[3]. - The expected credit loss provision for customer loans increased to HKD 113,889,000, representing 31.9% of the total loan amount, up from 26.2% in the previous year[45]. Share Capital and Equity - The average number of ordinary shares used to calculate basic loss per share for the six months ended June 30, 2020, was 275,724,000 shares, compared to 260,224,000 shares for the same period in 2019, reflecting a 5.9% increase in shares[33]. - The total issued and paid-up share capital as of June 30, 2020, was HKD 14,064 thousand, following a share consolidation[59]. - The company issued 105,264,000 new ordinary shares at a price of HKD 0.095 per share, raising approximately HKD 8,948,000 in share premium[60]. Corporate Governance and Compliance - The board has confirmed compliance with the standards of the GEM Listing Rules regarding securities trading during the interim period[93]. - The company has adhered to the corporate governance code as per GEM Listing Rules, with a noted deviation regarding the roles of the chairman and CEO[97]. - The audit committee reviewed the unaudited condensed consolidated financial statements, confirming compliance with applicable accounting standards and sufficient disclosure[99].