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。 鑒於本公司需要額外時間擬備及落實該通函將予載列的若干資料，預期該通函將延遲至 二零二五年八月十五日或之前寄發。 承董事會命 富銀融資租賃（深圳）股份有限公司 FY FINANCIAL (SHENZHEN) CO., LTD. 富銀融資租賃（深圳）股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：8452） 延遲寄發通函 茲提述富銀融資租賃（深圳）股份有限公司（「本公司」）日期為二零二五年七月十一日的公 告（「該公告」），內容有關（其中包括）與保理協議有關的須予披露及關連交易。除文義另 有所指外，本公告所用詞彙與該公告所界定者具有相同涵義。 正如該公告所披露，一份載有（其中包括）保理協議的進一步詳情、獨立董事委員會及獨 立財務顧問函件、召開股東特別大會通告及GEM上市規則規定的其他資料的通函將於二 零二五年八月一日或之前寄發予股東。 獨立非執行董事： 劉升文先生 韓亮先生 佟強先生 主 ...

Financial Performance - The company's revenue for the year ended December 31, 2024, was RMB 133,066,000, a significant increase from RMB 57,069,000 in 2023, representing a growth of 133%[7] - The company reported a loss before tax of RMB (8,169,000) for 2024, compared to a profit of RMB 4,081,000 in 2023[7] - Total assets as of December 31, 2024, amounted to RMB 557,536,000, up from RMB 486,549,000 in 2023, indicating a growth of 14.6%[8] - The total liabilities increased to RMB 115,285,000 in 2024 from RMB 35,743,000 in 2023, reflecting a rise of 222%[8] - The total equity attributable to the company's equity holders was RMB 436,972,000 as of December 31, 2024, slightly down from RMB 443,845,000 in 2023[8] - The company's revenue for the reporting period was approximately RMB 133.07 million, an increase of about 133.17% compared to RMB 57.07 million in the same period last year[18] - Gross profit for the reporting period was approximately RMB 44.87 million, representing an increase of about 158.61% from RMB 17.35 million year-on-year[19] - Sales costs amounted to approximately RMB 88.20 million, up about 122.05% from RMB 39.72 million in the previous year[20] - Other income and gains decreased to approximately RMB 5.11 million, down about 53.04% from RMB 10.88 million year-on-year[21] - Operating expenses for the reporting period were approximately RMB 16.93 million, an increase of about 80.79% from RMB 9.36 million in the previous year[22] - Administrative expenses rose to approximately RMB 27.01 million, an increase of about 14.96% from RMB 23.49 million year-on-year[23] - The company recorded a net cash outflow from operating activities of RMB 32.25 million for the year ended December 31, 2024, compared to RMB 94.74 million in the previous year[45] Business Operations - The company sold 123 5G base stations to Zhejiang Xinzhan Communication Technology Co., Ltd. on May 16, 2024, to optimize resource allocation and improve operational efficiency[9] - The factoring business showed stable growth in both business volume and revenue during the reporting period[14] - The overall development of the energy storage business improved compared to the previous year, achieving profitability amid increased competition[14] - The company launched six new Bluetooth speaker products in its cross-border e-commerce business, bringing the total to nine products priced between USD 30 and 200[16] - The company has established a complete sales and logistics channel for its cross-border e-commerce business, primarily using the Amazon platform[16] - The company plans to further develop its energy storage business to expand its revenue base and ensure long-term stable growth[17] Risk Management - The company emphasizes prudent financial management strategies to safeguard capital and enhance risk management measures[14] - The main credit risks for the company arise from financing lease receivables and factoring receivables[32] - The company provides financing lease services, including new direct leases and sale-leaseback transactions, with additional collateral or guarantees required to mitigate credit risks[33] - The company has implemented a comprehensive credit risk management system, including due diligence and risk assessment processes for financing and factoring projects[35] - The total credit loss provisions for financing leases and factoring receivables were RMB 34.45 million, with specific provisions of RMB 8.97 million for financing leases and RMB 18.42 million for factoring receivables[41] - The company has established a dedicated internal audit department to analyze and evaluate its risk management and internal control systems[112] - The company has implemented a comprehensive risk management system to address various risks, including credit, liquidity, interest rate, operational, and legal compliance risks[152] Corporate Governance - The board consists of eight directors, including three executive directors, two non-executive directors, and three independent non-executive directors as of December 31, 2024[85] - The audit committee held two meetings during the reporting period to review the interim financial results for the six months ending June 30, 2024, and the annual financial results for the year ending December 31, 2023[90] - The remuneration committee conducted one meeting during the reporting period to review the remuneration of directors and senior management, as well as the company's remuneration policy[93] - The company is committed to maintaining high standards of business ethics and corporate governance, with training provided to employees on necessary standards[1] - The board consists of at least three independent non-executive directors, ensuring a high level of independence and effective judgment[107] - The company has established a code of conduct for securities trading by directors and supervisors, ensuring compliance throughout the reporting period[98] - The board is collectively responsible for the preparation of the company's financial statements during the reporting period[100] - The company has not implemented any equity incentive plans during the reporting period[95] Shareholder Information - The board does not recommend the payment of a final dividend for the year ending December 31, 2024[67] - The company has maintained sufficient public float as per GEM Listing Rule 11.23 during the reporting period[136] - Shareholders holding 3% or more of the company's shares have the right to propose items for discussion at the general meeting[117] - The board does not recommend the distribution of a final dividend for the year ending December 31, 2024, consistent with the previous year[133] Sustainability and ESG - The company aims for long-term, stable, and sustainable growth while considering environmental, social, and governance factors in its business development and management strategies[2] - The company conducts annual materiality assessments to understand stakeholder expectations and concerns regarding ESG issues, enhancing decision-making and impact management[185] - The company has established a robust internal control system and ESG risk management measures to continuously improve stakeholder investment value[184] - The group aims to reduce greenhouse gas emissions, resource consumption, and waste generation as part of its environmental responsibility[200] - The group identified and confirmed 22 key environmental, social, and governance issues, including greenhouse gas emissions, employee welfare, and supply chain management[195] Investments - The investment in Shanghai Kuaiyiming Business Cloud Technology Co., Ltd. amounts to RMB 50,000,000 with a 20.81% shareholding, contributing a loss of RMB 5,046,000[61] - The investment in Zhuhai Huihe Guangjing Venture Capital Fund totals RMB 24,000,000, with a fair value of RMB 19,817,000 and a loss of RMB 1,565,000[62] - The investment in Beijing Shuncheng Health Investment Enterprise amounts to RMB 30,000,000, with a fair value of RMB 22,202,000 and a loss of RMB 2,303,000[62] - The company has no specific plans for major investments or capital assets as of December 31, 2024[64] Employee Information - The employee count decreased to 70 as of December 31, 2024, with employee expenses amounting to RMB 19.12 million, up from RMB 13.81 million in 2023[48] - The company emphasizes employee development, workplace safety, and sustainability to attract and retain top talent[2] - The company has implemented a performance assessment mechanism for employees to adjust compensation based on individual performance[94]

Financial Performance - For the fiscal year ending December 31, 2024, the company reported revenue of RMB 133,066,000, a significant increase of 133% compared to RMB 57,069,000 in 2023[11] - The company recorded a loss before tax of RMB 8,169,000, compared to a profit of RMB 4,081,000 in the previous year[11] - The net loss for the year was RMB 8,675,000, compared to a profit of RMB 629,000 in 2023[11] - The company's earnings per share for 2024 was a loss of RMB 0.02, compared to a profit of RMB 0.01 in the previous year[11] - Gross profit for the reporting period was approximately RMB 44.87 million, representing an increase of about 158.61% from RMB 17.35 million year-on-year[23] - Sales costs amounted to approximately RMB 88.20 million, up about 122.05% from RMB 39.72 million in the previous year[24] - Other income and gains decreased by approximately 53.04% to RMB 5.11 million from RMB 10.88 million in the previous year[25] - Operating expenses increased by approximately 80.79% to RMB 16.93 million, primarily due to promotional and logistics costs associated with the cross-border e-commerce business[26] - The company recorded a net cash outflow from operating activities of RMB 32.25 million for the year ended December 31, 2024, compared to RMB 94.74 million in the previous year[49] Assets and Liabilities - Total assets as of December 31, 2024, amounted to RMB 557,536,000, up from RMB 486,549,000 in 2023, representing a growth of 14.6%[12] - Total liabilities increased to RMB 115,285,000 from RMB 35,743,000 in 2023, indicating a rise of 222%[12] - Total equity as of December 31, 2024, was RMB 442,251,000, slightly down from RMB 450,806,000 in 2023[12] - As of December 31, 2024, the total current assets were approximately RMB 410.06 million, with a current ratio of approximately 3.67 and a debt-to-asset ratio of approximately 20.68%[50] Business Operations - The company sold 123 5G base stations to Zhejiang Xinzhan Communication Technology Co., Ltd. on May 16, 2024, to optimize resource allocation and improve operational efficiency[13] - The company achieved a significant breakthrough in its energy storage business, which turned profitable during the reporting period[18] - The energy storage product line has been diversified, with offerings ranging from 2MWh to 5MWh to meet different customer needs[19] - The cross-border e-commerce business launched six new Bluetooth speaker products, bringing the total to nine products priced between $30 and $200[20] Risk Management - The company emphasizes prudent financial management strategies to enhance risk management and safeguard capital[13] - The group employs a comprehensive credit risk management system, including due diligence and project approval processes, to mitigate risks associated with financing leases and factoring[39] - The company plans to continue its risk management procedures, including the potential transfer of non-performing assets to third parties[40] - The company has adopted a whistleblowing policy to promote compliance and ethical behavior, with no significant fraud or misconduct reported affecting financial statements[118] Corporate Governance - The board consists of eight directors, including three executive directors, two non-executive directors, and three independent non-executive directors as of December 31, 2024[89] - The audit committee held two meetings during the reporting period to review the interim financial results for the six months ending June 30, 2024, and the annual financial results for the year ending December 31, 2023[94] - The company is committed to maintaining high standards of business ethics and corporate governance, with training provided to employees on necessary ethical standards[1] - The board consists of at least three independent non-executive directors, ensuring a high level of independence and effective judgment[113] Shareholder Information - The board does not recommend the payment of a final dividend for the year ending December 31, 2024[71] - As of December 31, 2024, the distributable reserves available for shareholders amounted to RMB 773.8 million[134] - Shareholders holding 3% or more of the company's shares have the right to propose items for discussion at shareholder meetings[121] Environmental, Social, and Governance (ESG) - The environmental, social, and governance (ESG) report covers the group's overall performance in ESG matters for the period from January 1, 2024, to December 31, 2024[187] - The group conducts annual materiality assessments to understand stakeholder expectations and concerns regarding ESG matters[189] - The report highlights the group's commitment to sustainable development and outlines key performance indicators for environmental and social aspects[191] - The group has identified and confirmed 22 key issues related to environmental, social, and governance (ESG) factors, including employee welfare and supply chain management[199] Employee and Management - The employee count decreased to 70 as of December 31, 2024, with employee expenses amounting to RMB 19.12 million, up from RMB 13.81 million in 2023[52] - The company emphasizes competitive employee compensation and benefits as a priority for employee satisfaction[198] - The company has established a performance evaluation mechanism for employees to adjust compensation based on individual performance, aiming to reduce talent turnover[1]

富銀融資租賃(深圳)股份有限公司 FY Financial (Shenzhen) Co , Ltd. (於中華人民共和國註冊成立的股份有限公司) 股份代號：8452 中期報告 香港聯合交易所有限公司（「聯交所」）GEM的特色 GEM的定位，乃為中小型公司提供一個上市的市場，此等公司相比起其他在聯交所上市的公司可能帶有 較高投資風險。有意投資的人士應了解投資於該等公司的潛在風險，並應經過審慎周詳的考慮後方作出 投資決定。由於GEM上市公司普遍為中小型公司，在GEM買賣的證券可能會較於主板買賣之證券承受較 大的市場波動風險，同時無法保證在GEM買賣的證券會有高流通量的市場。 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，並明確表示概不會就因本報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。 本報告的資料乃遵照聯交所GEM證券上市規則（「GEM上市規則」）而刊載，旨在提供有關富銀融資租賃 （深圳）股份有限公司（「本公司」，連同其附屬公司，「本集團」）的資料，本公司的董事（「董事」，各為一 名「董事」）願就本報告的資料共同及個別承擔全部責任。 ...

Financial Performance - The company reported unaudited consolidated results for the six months ending June 30, 2024, compared to the same period in 2023[1]. - For the first half of 2024, the company reported total revenue of approximately RMB 25.20 million, a decrease of 1.69% compared to RMB 25.63 million in the same period last year[10]. - The company recorded a net loss of approximately RMB 2.97 million, compared to a net profit of RMB 0.11 million in the same period last year[10]. - Revenue from continuing operations for the six months ended June 30, 2024, was RMB 25,202 thousand, a decrease of 1.7% compared to RMB 25,634 thousand in the same period of 2023[51]. - Gross profit for the same period increased to RMB 12,681 thousand, up 31.5% from RMB 9,617 thousand year-on-year[51]. - The net loss from continuing operations for the six months ended June 30, 2024, was RMB 2,905 thousand, compared to a loss of RMB 540 thousand in the same period of 2023[51]. - The company reported a net cash outflow from operating activities of RMB 21,299 thousand for the six months ended June 30, 2024, compared to RMB 70,016 thousand in the same period of 2023[56]. - The total tax expense for the period was RMB 1,110,000, down from RMB 1,869,000 in the previous year, indicating a 40.5% reduction[74]. - Basic and diluted earnings per share from continuing operations were RMB 0.04, compared to a loss of RMB 0.04 in the previous year[76]. Corporate Governance - The announcement is in compliance with the GEM Listing Rules regarding preliminary announcements of interim results[1]. - The board of directors confirmed that the information provided in the announcement is accurate and complete in all material aspects[3]. - The company emphasizes the importance of good corporate governance for its success and sustainable development[46]. - The board is committed to fostering a corporate culture aligned with the company's vision and values[47]. - The company has adopted a code of conduct for securities trading by directors and supervisors, confirming compliance with trading standards[44]. - There were no changes in the information of directors and supervisors that require disclosure under GEM Listing Rules[45]. Market Position and Risks - The company is positioned in the GEM market, which is designed for small and medium-sized enterprises, indicating higher investment risks compared to larger companies listed on the main board[1]. - The company emphasizes the potential risks associated with investing in GEM-listed companies due to market volatility[1]. Assets and Liabilities - As of June 30, 2024, total assets were approximately RMB 486.05 million, a decrease of 0.10% from December 31, 2023[17]. - Total liabilities were approximately RMB 38.22 million, an increase of 6.92% from December 31, 2023, with a debt-to-equity ratio of approximately 8.53%[17]. - The company's current bank borrowings increased to RMB 10,000,000 as of June 30, 2024, up from RMB 5,000,000 as of December 31, 2023, reflecting a 100% increase in short-term financing[94]. - The total liabilities as of June 30, 2024, were RMB 19,539,000, slightly up from RMB 19,169,000 as of December 31, 2023, indicating a marginal increase of about 1.9%[94]. Employee and Management Information - The group had 86 full-time employees as of June 30, 2024, an increase of approximately 36.5% from 63 full-time employees a year earlier[23]. - Employee benefits expenses amounted to approximately RMB 0.94 million, an increase of about 37.1% compared to RMB 0.68 million in the previous year[23]. - Total management compensation for the six months ended June 30, 2024, was RMB 910 thousand, an increase from RMB 810 thousand for the same period in 2023, showing a growth of 12.35%[101]. Investments and Financial Assets - The company holds a 28.27% stake in Zhuhai Huheguangjing Venture Capital Fund, with an investment cost of RMB 30 million and a fair value of RMB 23.968 million as of June 30, 2024[29]. - The company also has a 9.9% stake in Beijing Shuncheng Health Investment Enterprise, with the same investment cost of RMB 30 million, but a fair value loss of RMB 2.67 million[29]. - The fair value income (loss) for the six months ended June 30, 2024, was RMB 23.968 million for Zhuhai Huheguangjing and a loss of RMB 2.67 million for Beijing Shuncheng Health[29]. - The fair value of financial assets measured at fair value through profit or loss increased to RMB 72,338,000 from RMB 63,102,000, reflecting a growth of 14.5%[78]. - The company has committed to invest RMB 6,000 thousand in a fund as of June 30, 2024, down from RMB 15,000 thousand as of December 31, 2023, indicating a reduction in capital commitments[102]. Revenue Segments - The financial and consulting segment generated revenue of RMB 11,699 thousand, up 73.5% from RMB 6,743 thousand in the prior year[61]. - The trading segment reported revenue of RMB 12,453 thousand, compared to no revenue in the same period last year[61]. - The energy storage segment contributed RMB 1,050 thousand in revenue, while it had no revenue in the previous year[61]. - The company has disposed of its 5G base station business segment, which is now classified as discontinued operations[60]. Cash Flow and Financing Activities - The net cash generated from financing activities was approximately RMB 4.23 million, compared to a net cash used of RMB 1.54 million in the previous year[18]. - The company reported a fair value gain of RMB 2,586,000 for financial assets related to a fund, with total investments amounting to RMB 30,000,000[80]. - The company has not engaged in any hedging transactions or forward contract arrangements during the reporting period[32]. Shareholder Information - Major shareholders include Beijing Dayuan Tiandi Real Estate Development Co., holding 66.67% of domestic shares, and Zhao Dehua, also holding 66.67%[36]. - The total number of shares issued by the company is 359,340,000, including 120,000,000 domestic shares, 89,840,000 H shares, and 149,500,000 non-listed foreign shares[38]. - The company does not recommend the payment of any interim dividend during the reporting period[41].

Financial Performance - The Group reported a significant increase in revenue, achieving a total of $XX million, representing a YY% growth compared to the previous year[20]. - The Group's total revenue for 2023 was approximately RMB 60.36 million, representing a year-on-year increase of 104.62%[34]. - The net profit recorded for the year was approximately RMB 0.63 million, marking a turnaround from a loss in the previous year[34]. - Gross profit amounted to approximately RMB 18.38 million, an increase of 45.99% compared to approximately RMB 12.59 million for the same period last year[48]. - The cost of sales increased by 148.28% to approximately RMB 41.98 million, primarily due to rising sales costs in the energy storage business[49]. - Other income and gains decreased by approximately 9.87% to RMB 10.94 million, mainly due to a reduction in tax refunds[55]. - Operating expenses rose by approximately 61.10% to RMB 9.36 million, attributed to an increase in the sales force[56]. - Administrative expenses increased by approximately 17.17% to RMB 24.88 million, driven by higher costs associated with staffing in the energy storage sector[57]. - The Group achieved total revenue of approximately RMB 60.36 million, representing a year-on-year increase of 104.62% from approximately RMB 29.50 million[47]. - The net profit recorded was RMB 0.63 million, marking a turnaround from a loss to profit[47]. Business Outlook and Strategy - The Company provided a positive outlook for the next fiscal year, projecting revenue growth of BB% and an increase in user acquisition efforts[20]. - New product launches are expected to contribute an additional $CC million in revenue, with a focus on innovative technology solutions[20]. - The Company is expanding its market presence in the Asia-Pacific region, targeting a market share increase of DD% over the next two years[20]. - Recent acquisitions are anticipated to enhance operational efficiency and are projected to save the Company $EE million annually[20]. - The Group remains cautiously optimistic about long-term business prospects, planning to adopt a prudent financial management strategy for sustainable development in 2024[46]. Research and Development - The management highlighted ongoing research and development efforts, with an investment of $FF million aimed at new technology advancements[20]. - The energy storage business completed the first and second phases of its production base, achieving an annual capacity of 100 MWh[37]. - The Group's energy storage product development includes various systems such as air-cooled ACES and liquid-cooled ACEF, enhancing competitiveness[37]. Risk Management - The Group's major credit risk arises from financing lease receivables and factoring receivables, necessitating additional collateral or guarantees from lessees[66][70]. - The risk management system includes measures for project assessment, due diligence, and monitoring of customer payments and financial conditions[74][79]. - The Group's strategy includes the disposal of leased equipment and collateral through sales or auctions as part of its risk management efforts[86]. - The Group's factoring receivables are primarily secured by guarantees from various individuals and companies, ensuring a level of risk mitigation[88]. - The Group may consider transferring non-performing assets to third parties, such as asset management companies and private equity firms in the PRC, as part of its risk management strategy[82]. Corporate Governance - The Company has complied with all code provisions set out in Part 2 of the CG Code, except for the deviation from code provision C.2.1 regarding the separation of the roles of chairman and chief executive officer[175]. - The Company aims for long-term, stable, and sustainable growth while focusing on environmental, social, and governance aspects[174]. - The Group emphasizes a corporate culture characterized by integrity, responsibility, innovation, and dedication to enhance employee commitment and efficiency[174]. - The Company has introduced corporate governance practices appropriate to its business operations and growth[166]. - The Audit Committee held six meetings during the Reporting Period to review quarterly and annual financial results, including the announcement for the year ended December 31, 2022[194]. Board and Management - The Board consists of eight Directors, including three executive Directors, two non-executive Directors, and three independent non-executive Directors as of December 31, 2023[180]. - The Company has a diverse board with members having qualifications in accounting, law, and finance, enhancing its governance structure[160]. - The Supervisory Committee is chaired by Mr. Zhu Xiaodong, who has been with Dayuan Tiandi since 2003, ensuring continuity in financial oversight[157]. - The Company has adopted a nomination policy for the appointment of Board members, ensuring a merit-based selection process[200]. - The Nomination Committee conducted two meetings to assess the Board's structure, size, and composition, and nominated Mr. Tong Qiang as an independent non-executive director[199].

Financial Performance - The company reported a consolidated revenue of approximately 100 million RMB for the fiscal year ending December 31, 2023, representing a year-on-year increase of 15%[4]. - The company’s net profit for the year was approximately 20 million RMB, reflecting a growth of 25% year-on-year[4]. - The Group's total revenue for 2023 was approximately RMB 60.36 million, representing a year-on-year increase of 104.62%[38]. - The net profit recorded for the year was approximately RMB 0.63 million, marking a turnaround from a loss in the previous year[38]. - Gross profit amounted to approximately RMB 18.38 million, an increase of 45.99% compared to approximately RMB 12.59 million for the same period last year[52]. - The cost of sales increased by approximately 148.28% to RMB 41.98 million, up from approximately RMB 16.91 million, primarily due to rising sales costs in the energy storage business[53]. - Other income and gains decreased by approximately 9.87% to RMB 10.94 million from RMB 12.14 million, mainly due to a reduction in tax refunds[59]. - Operating expenses rose by approximately 61.10% to RMB 9.36 million, up from RMB 5.81 million, attributed to an increase in the sales force[60]. - Administrative expenses increased by approximately 17.17% to RMB 24.88 million from RMB 21.23 million, driven by higher costs associated with the energy storage business[61]. Assets and Liabilities - The total assets of the company reached 500 million RMB, an increase of 10% compared to the previous year[24]. - Total assets as of December 31, 2023, were RMB 486.55 million, a decrease from RMB 511.63 million in 2022[26]. - Total liabilities decreased to RMB 35.74 million in 2023 from RMB 61.14 million in 2022[26]. - The Group's equity attributable to equity holders of the Company was RMB 443.85 million, slightly up from RMB 438.96 million in 2022[26]. - As of December 31, 2023, the Group recorded total current assets of approximately RMB 329.73 million, a decrease from RMB 337.49 million in 2022[107]. - Cash and cash equivalents at the end of 2023 were RMB 62.26 million, down from RMB 182.95 million in 2022[105]. - Net cash used in operating activities was RMB 94.74 million in 2023, compared to a net cash generated of RMB 108.28 million in 2022[105]. Business Strategy and Development - The company plans to expand its market presence in Southeast Asia, targeting a 20% market share within the next three years[4]. - New product development initiatives are underway, with an investment of 5 million RMB allocated for technology upgrades in the upcoming fiscal year[4]. - The company has set a performance guidance of 120 million RMB in revenue for the next fiscal year, projecting a growth rate of 20%[4]. - The company is exploring potential mergers and acquisitions to enhance its service offerings and market reach[4]. - The Group's energy storage product development includes various systems such as air-cooled ACES and liquid-cooled ACEF, enhancing competitiveness[41]. - The Group adopted a combined model of regional and industry sales for its energy storage business, focusing on regions with rapid economic growth[41]. - The Group is actively seeking potential buyers for its 5G base station business and related assets due to a slowdown in new station construction[45]. Risk Management - The Group's major credit risk arises from financing lease receivables and factoring receivables, with measures in place to mitigate these risks[69]. - The Group may require additional collateral or guarantees from lessees for financing lease transactions to protect against credit risks[70]. - The risk management system includes various stages such as project assessment, due diligence, and portfolio management to ensure effective credit risk management[78]. - The Group's risk management procedures include on-site inspections, sending letters of demand for payment, and initiating legal proceedings against customers and their guarantors[85]. - The Group may consider transferring non-performing assets to third parties, such as asset management companies and private equity firms in the PRC, as part of its risk management strategy[86]. Corporate Governance - The Company has complied with all code provisions of the Corporate Governance Code, except for the deviation from code provision C.2.1 regarding the separation of the roles of chairman and chief executive officer[178]. - The Group emphasizes a corporate culture focused on integrity, responsibility, innovation, and dedication, which is essential for attracting and retaining talent[177]. - The Company has introduced corporate governance practices appropriate for its business operations and growth, adhering to the principles set out in the Corporate Governance Code[169]. - The Board consists of eight Directors, including three executive Directors, two non-executive Directors, and three independent non-executive Directors as of December 31, 2023[183]. - The Audit Committee's primary duties include overseeing the audit process and reviewing the effectiveness of the financial reporting process and internal control systems[191]. - The Group's leadership emphasizes compliance and governance, ensuring adherence to accounting standards and practices[138]. Human Resources - The Group had 86 employees as of December 31, 2023, an increase from 48 employees in 2022, with employee expenses rising to RMB 14.09 million from RMB 10.42 million[110]. - The company has a diverse board with members having qualifications in accounting, law, and finance, enhancing its governance structure[163]. - The Group's management team includes experienced professionals with backgrounds in law, finance, and risk management, enhancing its operational capabilities[141][146]. Investments - The Group's investment in Shanghai KYMS Cloud Technology Co., Ltd. amounted to RMB 50 million, representing 20.81% of the associate's shares[120]. - The Group's investment in Zhuhai Huihe Guangjing Chuangye Investment Fund, L.P. was RMB 30 million, representing 28.27% of the fund's total assets[123]. - The Group's investment in Beijing Shuncheng Health Investment Fund, L.P. was also RMB 30 million, representing 9.9% of the fund's total assets[123]. - As of December 31, 2023, the Group had no specific plans for significant investments or capital assets[132].

Financial Performance - Revenue for the three months ended September 30, 2023, was RMB 10,897,723, a 125.5% increase compared to RMB 4,847,353 for the same period in 2022[8] - Gross profit for the nine months ended September 30, 2023, was RMB 16,190,996, up 30.5% from RMB 12,366,094 in the same period of 2022[8] - Loss for the period attributable to owners of the Company for the three months ended September 30, 2023, was RMB 1,719,563, compared to a loss of RMB 5,791,645 for the same period in 2022[9] - Total comprehensive expenses for the nine months ended September 30, 2023, amounted to RMB 2,885,957, a decrease from RMB 6,771,726 in the same period of 2022[9] - Basic loss per share for the three months ended September 30, 2023, was RMB (0.48), compared to RMB (1.61) for the same period in 2022[9] - The Company reported a loss before income tax of RMB 1,157,245 for the nine months ended September 30, 2023, compared to a loss of RMB 5,353,396 in the same period of 2022[8] - For the nine months ended September 30, 2023, the company reported a loss before income tax of approximately $22.60 million, compared to $3.23 million for the same period in 2022, indicating a significant increase in losses[49] - The basic loss per share for the nine months ended September 30, 2023, was $5.22, compared to $4.29 for the same period in 2022, indicating a worsening of the loss per share[55] Revenue Breakdown - For the nine months ended September 30, 2023, total revenue reached approximately 38.79 million, a significant increase from 15.60 million in the same period of 2022, representing a growth of 148.5%[46] - Revenue from contracts with customers for energy storage solutions and general construction amounted to 10.08 million, while energy storage service income was 660,088[46] - Factoring income for the nine months ended September 30, 2023, was 10.27 million, compared to 5.37 million in the same period of 2022, indicating an increase of 91.5%[46] - The company reported finance lease income of 234,640 for the nine months ended September 30, 2023, down from 1.80 million in the same period of 2022, a decrease of 87.8%[46] - Bank interest income for the nine months ended September 30, 2023, was 2.44 million, compared to 2.22 million in the same period of 2022, reflecting an increase of 10%[46] - The company recognized a VAT refund of 583,386 during the nine months ended September 30, 2023, compared to 2.14 million in the same period of 2022, a decrease of 72.7%[46] - Other income, gains, and losses totaled 4.65 million for the nine months ended September 30, 2023, down from 9.27 million in the same period of 2022, a decline of 49.9%[46] Operating Expenses - Operating expenses for the nine months ended September 30, 2023, were RMB 4,765,482, slightly higher than RMB 4,383,885 in the same period of 2022[8] - The Group's administrative expenses for the Reporting Period were approximately RMB 15.92 million, an increase of approximately 24.76% from RMB 12.76 million in the same period last year, primarily due to increased personnel in the energy storage business[71][74] - Operating expenses were approximately RMB 4.77 million, an increase of approximately 8.70% from RMB 4.38 million in the same period last year, driven by higher personnel costs and business expansion expenses in the energy storage sales business[73] Taxation and Impairment - The income tax expense for the nine months ended September 30, 2023, was approximately $1.73 million, compared to $0.86 million for the same period in 2022, showing an increase of about 100%[51] - The company reported a current income tax expense of $1.47 million for the nine months ended September 30, 2023, down from $1.90 million in the same period of 2022[51] - The provision for impairment loss on accounts receivable was approximately RMB 1.78 million, a decrease of approximately 80.86% from RMB 9.28 million in the previous year, due to a reduction in total accounts receivable and the settlement of accounts by customers[76][78] Corporate Governance and Shareholding - The company has been listed on the GEM of the Stock Exchange since May 23, 2017, indicating its commitment to growth in the small and mid-sized company market[11] - The Board did not recommend any dividend for the reporting period, consistent with the previous year where no dividend was declared[3] - As of September 30, 2023, none of the Directors, Supervisors, or chief executives had any interest or short position in the shares or debentures of the company[2] - The company and its subsidiaries did not purchase, sell, or redeem any of the company's listed securities during the reporting period[109] - There were no competing interests reported among Directors, controlling shareholders, or their close associates as of September 30, 2023[4] - The company remains compliant with corporate governance standards as per the GEM Listing Rules[4] - No significant changes in shareholding structure were reported as of September 30, 2023[1] Business Operations and Strategy - The Company is engaged in financial leasing, advisory services, and customer referral, with subsidiaries involved in various sectors including medical equipment and energy storage[12] - The company continues to explore opportunities for market expansion and new product development in the energy storage sector[46] - The Group is focusing on prudent financial management and enhancing customer screening to manage default risk in its financing leasing and advisory services[62] - Jiangsu Anshi has developed several proprietary products, with more in the pipeline for market launch[59] - The Group continues to strengthen the maintenance of completed 5G base stations and enhance operational efficiency through leasing contracts with telecom operators[59] Financial Reporting Standards - For the nine months ended September 30, 2023, the financial statements were prepared in accordance with HKFRS and have not been audited but reviewed by the audit committee[19][20] - The company adopted new HKFRS amendments effective from January 1, 2023, including HKFRS 17 related to insurance contracts and amendments to HKAS 1 regarding the disclosure of accounting policies[24][27] - The application of the new and amended HKFRSs had no material impact on the Group's financial performance for the current and prior periods[25][28] - The company has not early adopted any new HKFRSs that have been issued but are not yet effective in the current accounting period[16] - The amendments to HKAS 1 and HKFRS Practice Statement 2 aim to enhance the usefulness of accounting policy disclosures by focusing on materiality[27][30] - Management's significant judgments and key sources of estimation uncertainty remained consistent with those applied in the 2022 consolidated financial statements[40]

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。 FY FINANCIAL (SHENZHEN) CO., LTD. 富銀融資租賃（深圳）股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：8452） 截至二零二三年九月三十日止九個月 未經審核第三季度業績公告 香港聯合交易所有限公司（「聯交所」）GEM的特色 GEM的定位，乃為中小型公司提供一個上市的市場，此等公司相比起其他在聯交所上市 的公司帶有較高投資風險。有意投資的人士應了解投資於該等公司的潛在風險，並應經 過審慎周詳的考慮後方作出投資決定。 由於GEM上市公司普遍為中小型公司，在GEM買賣的證券可能會較於主板買賣之證券 承受較大的市場波動風險，同時無法保證在GEM買賣的證券會有高流通量的市場。 第三季度業績 富銀融資租賃（深圳）股份有限公司（「本公司」）董事（「董事」，各自為一名「董事」）會 （「董事會」）欣然公佈本公司及其附屬公司截至二零二三年九月三十日止九個月（「報告 期 ...

Economic Overview - In the first half of 2023, China's GDP reached RMB 59 trillion, representing a year-on-year increase of 5.5%[16]. - Despite economic recovery in China, the global economy remains weak, leading to rising costs for SMEs due to high commodity prices[17]. Business Operations - The Group's main business includes financial and advisory services, 5G base station operations, and energy storage, primarily serving SMEs[17]. - The energy storage industry experienced market scale expansion and increased customer demand, positively impacting the Group's energy storage business[17]. - The Group actively expanded its 5G business by promoting the acceptance of completed 5G base stations and entering leasing contracts with telecom operators[22][30]. - Jiangsu Anshi participated in major exhibitions to expand its energy storage product market and established cooperation agreements with high-quality customers[26][29]. Financial Performance - The total revenue for the Group during the Reporting Period was approximately RMB27.89 million, representing a year-on-year increase of 159.39% from approximately RMB10.75 million[20][31]. - The net profit recorded was approximately RMB0.11 million, a year-on-year decrease of 80.9% from RMB0.60 million[20][31]. - The energy storage business significantly contributed to the revenue increase, with Jiangsu Anshi focusing on the commercialization and production of energy storage systems[25][31]. - Revenue for the six months ended June 30, 2023, was RMB 27,890,122, a significant increase from RMB 10,752,352 in the same period of 2022, representing a growth of approximately 159.9%[147]. - Gross profit for the same period was RMB 10,496,009, compared to RMB 9,533,377 in 2022, indicating a year-over-year increase of about 10.1%[147]. - Profit before income tax rose to RMB 1,987,495, up from RMB 1,466,661 in 2022, reflecting an increase of approximately 35.5%[147]. - The company reported a profit for the period of RMB 113,710, a decrease from RMB 595,416 in the previous year, marking a decline of about 80.9%[147]. Revenue Breakdown - The financial and advisory business generated revenue of RMB 6,742,777, down from RMB 10,345,071 in the previous year, indicating a decline of about 35%[191]. - The energy storage business reported revenue of RMB 19,793,052, with no revenue reported in the same period of 2022, marking a significant new contribution to total revenue[191]. - Revenue from energy storage solutions and general construction amounted to RMB 10,082,833, with energy storage system sales contributing RMB 9,300,356, both of which were new revenue streams for the Group[199]. Cost and Expenses - The Group's cost of sales increased significantly to approximately RMB17.39 million, a rise of approximately 1,326.95% from RMB1.22 million in the same period last year, primarily due to increased costs in the energy storage business[36][40]. - Other income and gains decreased to approximately RMB3.47 million, down approximately 35.85% from RMB5.41 million for the same period last year, mainly due to reduced VAT refunds and equipment maintenance revenue in the medical trade business[37][41]. - Operating expenses decreased to approximately RMB2.24 million, a decline of approximately 24.90% from RMB2.99 million in the same period last year, attributed to lower equipment maintenance costs in the medical trade business[38][42]. - Administrative expenses rose to approximately RMB9.59 million, an increase of approximately 24.07% from RMB7.73 million for the same period last year, primarily due to higher personnel costs in the energy storage business[39][43]. Assets and Liabilities - As of June 30, 2023, total assets amounted to approximately RMB492.17 million, a decrease of approximately 3.80% from December 31, 2022, with accounts receivable accounting for approximately 42.92% of total assets[47][51]. - Total liabilities decreased to approximately RMB41.37 million, down approximately 32.12% from December 31, 2022, with a gearing ratio of approximately 1.89% as of June 30, 2023[48][52]. - The Group's net current assets were approximately RMB251.24 million, down from RMB285.02 million as of December 31, 2022[75]. - Cash and cash equivalents decreased to approximately RMB103.84 million as of June 30, 2023, from RMB182.95 million as of December 31, 2022[75]. Risk Management - The Group has strengthened client screening in its financial and advisory business to manage default risk effectively[21][30]. - The Group aims to enhance its asset safety management and implement a comprehensive risk management system to ensure long-term stability[30][33]. - The Group has implemented a comprehensive risk management system with stringent procedures and measures, ensuring effective internal control and risk management capabilities[59][64]. Employee and Operational Metrics - As of June 30, 2023, the Group had a total of 63 full-time employees, an increase of 102.58% from 31 employees as of June 30, 2022[68]. - Employee benefit expenses during the Reporting Period amounted to approximately RMB1.06 million, representing an increase of approximately 107.84% from RMB0.51 million in the same period last year[68]. Shareholder Information - Mr. Gong holds 80,000,000 domestic shares, representing 66.67% of the relevant class and 22.26% of the total share capital[115]. - Shenzhen Zhonglian Financial Holding Investment Development Co., Ltd. owns 70,445,200 unlisted foreign shares, accounting for 47.12% of the relevant class and 19.60% of the total share capital[115]. - The company has a significant concentration of ownership, with major shareholders holding substantial percentages of both relevant classes and total share capital[115][116][117]. Compliance and Governance - The Company established an audit committee to ensure compliance with GEM Listing Rules, consisting of three independent non-executive Directors[109]. - The company has adopted a code of conduct regarding securities transactions by the Directors and Supervisors, confirming compliance during the six months ended June 30, 2023[130]. - The company has complied with all code provisions set out in the Corporate Governance Code, except for a deviation from code provision C.2.1[136]. Environmental Commitment - The Group is committed to environmental protection and did not produce any hazardous waste during the reporting period[143]. - The Group focuses on long-term sustainability and prudent management of its business[144].