恒银金融科技股份有限公司 2024 年 12 月 31 日 内部控制审计报告 内部控制审计报告 内部控制审计报告 1-2 索引 页码 XYZH/2025BJAA1B0562 恒银金融科技股份有限公司 恒银金融科技股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计 了恒银金融科技股份有限公司（以下简称恒银科技）2024 年 12 月 31 日财务报告内部控 制的有效性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》 、《企业内部控制应用指引》 、《企业内部控制评 价指引》的规定，建立健全和有效实施内部控制，并评价其有效性是恒银科技董事会的 责任。 二、 注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计意 见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、 内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况的 变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内部控 制审计结果推测未来内部控制的有效性具有一定风险。 四、 财务报告内部控制审计意见 ...

2024 年度独立董事述职报告 本人作为恒银金融科技股份有限公司(以下简称"公司")独立董事， 在2024年度严格按照《中华人民共和国公司法》(以下简称《公司法》) 《中华人民共和国证券法》《上市公司治理准则》《上市公司独立董 事管理办法》《上海证券交易所股票上市规则（2024年4月修订）》等 法律法规和《公司章程》《独立董事工作制度》等相关规定，本着独 立、客观和公正的原则，诚信、勤勉履行独立董事职责，审慎审议董 事会及各专门委员会的各项议案,认真行使法律赋予的权利，及时了 解公司经营情况和财务状况，积极出席公司相关会议，参与公司重大 经营决策，充分发挥独立董事的作用，切实维护公司整体利益和全体 股东特别是中小股东的合法权益。现将本人在2024年度履职情况报告 如下： 一、独立董事的基本情况 1 公司召开 2024 年第一次临时股东大会，选举本人为公司第四届 董事会独立董事。本人同时在公司董事会下设的审计委员会担任主 任委员，在薪酬与考核委员会担任委员。本人已按要求向公司董事 会提交了关于 2024 年度独立董事独立性情况的自查报告，本人具备 独立董事任职资格，未在公司担任除独立董事以外的任何职务，也 未在 ...

恒银金融科技股份有限公司董事会 独立董事关于 2024年度独立性情况自查报告 恒银金融科技股份有限公司董事会: 本人赵息作为恒银金融科技股份有限公司(以下简称"上市公司")在任独立 董事,2024年度严格遵守《中华人民共和国公司法》《上市公司治理准则》《上 市公司独立董事管理办法》等法律法规以及《公司章程》对独立董事的任职要求, 持续保持独立性。 现根据《上市公司独立董事管理办法》《上海证券交易所上市公司自律监管 指引第1 号 -- 规范运作(2023年12月修订)》等法律法规、规范性文件等规 定,填写本自查情况表,并对本自查情况表的真实性、准确性承担法律责任。 关于独立董事 2024 年度独立性情况的专项意见 根据中国证监会《上市公司独立董事管理办法》《上海证券交易所上市公司 自律监管指引第 1 号 -- 规范运作(2023年 12 月修订》等要求,结合恒银金 融科技股份有限公司(以下简称"公司")独立董事向公司董事会提交的《公司独 立董事关于 2024年度独立性情况的自查报告》,公司董事会就在任独立董事:赵 息女士、高立里先生、黄跃军先生的独立性情况进行评估并出具如下专项意见: | | 157 项 | 目 ...

2024 年度独立董事述职报告 作为恒银金融科技股份有限公司（以下简称"公司、恒银科技"） 的独立董事，本人严格按照《公司法》《证券法》《上市公司独立董 事管理办法》《上海证券交易所股票上市规则（2024年4月修订）》及 《公司章程》《公司独立董事工作制度》等相关法律、法规、规章的 规定和要求，诚实、勤勉、独立的履行职责，积极出席相关会议，认 真审议董事会各项议案，对公司的发展及经营活动进行独立判断，充 分发挥独立董事及各专门委员会委员的作用，切实维护公司和全体股 东的合法权益。现将本人在2024年度任职期间履行独立董事职责的情 况报告如下： 一、独立董事的基本情况 黄跃军先生，1974 年 6 月出生，研究生学历，天津大学工商管 理硕士。1998 年 10 月至 2006 年 9 月历任山西大同黄金矿业有限责 任公司党委办主任、董事会秘书；2008 年 8 月至 2010 年 10 月任天 津冶金集团中兴盛达钢业有限公司总经理助理；2010 年 11 月至 2019 年 7 月历任天津经纬辉开光电股份有限公司董事会办公室主 任、董事、董事会秘书；2018 年 12 月至 2024 年 12 月任天津津荣 天 ...

Financial Performance - The company's operating revenue for Q1 2025 was CNY 94,032,445.58, representing a 1.27% increase compared to CNY 92,849,433.47 in the same period last year[4]. - Net profit attributable to shareholders was CNY 5,347,509.92, a significant recovery from a loss of CNY 21,189,157.59 in the previous year[4]. - Basic and diluted earnings per share were both CNY 0.01, recovering from a loss of CNY 0.04 per share in the previous year[4]. - Total operating revenue for Q1 2025 was CNY 94,032,445.58, an increase of 1.27% compared to CNY 92,849,433.47 in Q1 2024[18]. - Net profit for Q1 2025 was CNY 5,347,509.92, a turnaround from a net loss of CNY 21,189,157.59 in Q1 2024[19]. - Earnings per share for Q1 2025 was CNY 0.01, compared to a loss per share of CNY -0.04 in Q1 2024[19]. Cash Flow and Investments - The net cash flow from operating activities improved to -CNY 36,698,074.68, compared to -CNY 70,293,886.30 in the same period last year[4]. - Operating cash flow for Q1 2025 was negative at CNY -36,698,074.68, an improvement from CNY -70,293,886.30 in Q1 2024[22]. - Cash inflow from operating activities totaled CNY 68,948,582.13, compared to CNY 65,432,788.88 in Q1 2024, indicating a slight increase of 3.8%[22]. - The net cash flow from investment activities decreased by 102.79%, primarily due to reduced external investment management[7]. - Net cash flow from investing activities was -$803.8 million, compared to $28.84 million in the previous period[23]. - Cash and cash equivalents at the end of the period totaled $761.31 million, down from $798.81 million at the beginning of the period[23]. - The net increase in cash and cash equivalents was -$37.50 million, compared to -$41.46 million in the previous period[23]. - The impact of exchange rate changes on cash and cash equivalents was $3,021.55, compared to -$7,553.78 in the previous period[23]. Assets and Liabilities - Total assets at the end of the reporting period were CNY 1,684,942,137.01, down 3.32% from CNY 1,742,791,294.49 at the end of the previous year[5]. - Total liabilities decreased to CNY 373,810,849.03 from CNY 437,007,516.43, a reduction of 14.5%[15]. - Total liabilities include accounts payable of ¥106,712,184.09, down from ¥116,399,148.96, a reduction of about 8.83%[14]. - The company has no significant changes in the shareholding structure of major shareholders due to margin trading[11]. Shareholder Information - Total number of common shareholders at the end of the reporting period is 55,574[10]. - The largest shareholder, Hengrong Investment Group Co., Ltd., holds 241,670,000 shares, accounting for 46.43% of total shares[10]. - The company maintains a consistent relationship among major shareholders, indicating a unified action among them[11]. Cost Management - The company reported a significant decrease in operating costs by 41.23%, attributed to changes in product structure and reduced manufacturing and service costs[7]. - Total operating costs decreased significantly to CNY 87,660,177.36 from CNY 140,217,316.21, representing a reduction of 37.4%[18]. - Research and development expenses decreased by 40.14%, primarily due to reduced compensation costs[7]. - Research and development expenses for Q1 2025 were CNY 8,516,587.12, down from CNY 14,228,509.43 in Q1 2024, a decrease of 40.0%[18]. - The company reported a significant decrease in financial expenses, with a net financial income of CNY -989,797.00 compared to CNY -5,803,277.98 in the previous year[18]. Other Information - The company reported no other important information regarding its operational status during the reporting period[12]. - The company will implement new accounting standards starting in 2025, which may affect the financial statements[23].

Financial Performance - The net profit attributable to shareholders for 2024 is CNY 40,123,574.32, with a distributable profit of CNY 20,479,451.44 as of December 31, 2024[5]. - The company's operating revenue for 2024 was CNY 437,462,357.15, representing a 2.53% increase compared to CNY 426,686,741.60 in 2023[22]. - The net profit attributable to shareholders for 2024 was CNY 40,123,574.32, a significant recovery from a loss of CNY 207,973,535.09 in 2023[22]. - The cash flow from operating activities increased by 303.25% to CNY 63,556,627.12 in 2024, compared to CNY 15,761,109.02 in 2023[22]. - The basic earnings per share for 2024 was CNY 0.08, a turnaround from a loss of CNY 0.40 in 2023[23]. - The weighted average return on equity for 2024 was 3.12%, recovering from -15.18% in 2023[23]. - The company reported a significant increase in other income, up 195.74% to 28.95 million yuan, mainly due to government subsidies[74]. - The company achieved operating revenue of 437.46 million yuan, a year-on-year increase of 2.53%[73]. - Net profit attributable to shareholders reached 40.12 million yuan, an increase of 24.81 million yuan compared to the previous year[73]. - Operating costs decreased by 24.59% to 325.23 million yuan, primarily due to changes in product structure and reduced manufacturing and service costs[74]. Dividend Distribution - The company plans to distribute a cash dividend of CNY 0.03 per share, totaling CNY 15,615,600.00 based on a total share capital of 520,520,000 shares[5]. - The company has not proposed any capital reserve transfer to increase share capital or stock dividends in the profit distribution plan[5]. - The net profit attributable to shareholders for 2024 is projected to be 40,123,574.32 CNY, with the cash dividend representing 38.92% of this net profit[188]. - The cumulative cash dividend amount over the last three fiscal years is 15,615,600.00[190]. Risk Management and Compliance - The report includes a standard unqualified audit opinion from Xinyong Zhonghe Accounting Firm[4]. - The company has not experienced any non-operational fund occupation by controlling shareholders or related parties[7]. - There are no violations of decision-making procedures regarding external guarantees[7]. - The report indicates that the board of directors and management guarantee the accuracy and completeness of the financial report[3]. - The company has established a comprehensive internal control system in compliance with relevant regulations, ensuring the protection of investor interests and promoting stable development[147]. - The internal control system has been evaluated as effective, with no significant deficiencies reported as of December 31, 2024[193]. - The company strictly adheres to information disclosure regulations, ensuring timely and accurate reporting without any misleading statements[144]. Operational Efficiency and Strategy - The company aims to enhance its organizational structure and implement a digital transformation strategy to drive growth and efficiency in 2024[32]. - The company implemented systematic management measures to enhance operational efficiency and governance, including real-time monitoring of key business metrics[37]. - Financial management has been refined to strengthen budget and risk control, ensuring compliance and safeguarding funds[38]. - The company has established a mature supply chain management system, enhancing production capacity and product quality assurance[70]. - The company has implemented a customer value management system to continuously optimize collaboration experiences and strengthen market competitiveness[59]. - The company is focused on maintaining its current management team while ensuring compliance with governance standards[156]. Research and Development - The company has invested heavily in research and development, focusing on computer vision and artificial intelligence, with algorithms achieving over 95% accuracy in various recognition tasks[64]. - Research and development expenses accounted for over 10% of operating revenue, reflecting the company's commitment to innovation[73]. - The company has established a robust R&D framework with multiple research institutes and has received numerous certifications, ensuring high-quality product development and innovation[68]. - The company is investing in new technology development, allocating $50 million towards R&D initiatives[157]. - The company is investing $200 million in R&D for new technologies aimed at enhancing user experience and operational efficiency[158]. Market Expansion and Competitive Landscape - The company successfully developed a new generation of core technology, reducing product costs significantly compared to the previous generation, and introduced AI training platforms for banknote recognition[35]. - The company achieved structural growth in core business despite market demand adjustments, with significant progress in international market expansion, exceeding annual sales targets[34]. - The company has successfully expanded its global presence, entering over 60 countries, with products deployed in Bangladesh and the Philippines, maintaining a leading market share in financial self-service equipment[62]. - The company is exploring acquisition opportunities to enhance its market position, with a focus on tech startups[158]. - The competition in the financial intelligent terminal market is intensifying, with traditional manufacturers and tech companies like Apple and Ant Group vying for market share[110]. Corporate Governance - The company held three shareholder meetings during the reporting period, reviewing 14 proposals, all of which have been implemented[134]. - The board of directors consists of 7 members, including 3 independent directors, meeting legal requirements[135]. - The supervisory board consists of 3 members, including 1 employee representative, meeting legal requirements[139]. - The company has established a fair, transparent, and scientific incentive mechanism for senior management, linking their income to performance targets[192]. - The total remuneration for all directors, supervisors, and senior management during the reporting period amounted to RMB 3.3686 million[167]. Environmental Responsibility - The company invested 1.60 million yuan in environmental protection during the reporting period[197]. - The company complies with various environmental laws and has not faced any penalties related to environmental issues during the reporting period[199]. - The company has obtained ISO14001 and ISO45001 certifications, establishing a foundation for sustainable development[200].

一、主要会计数据和财务指标 前十大流通股东累计持有： 31166.6万股，累计占流通股比： 59.87%，较上期变化： -452.98万股。 | 名称 | 持有数量(万股) | 占总股本比例 | 增减情况(万 | | --- | --- | --- | --- | | | | (%) | 股) | | 恒融投资集团有限公司 | 24167.00 | 46.43 | 不变 | | 王淑琴 | 5669.95 | 10.89 | 不变 | | 江浩然 | 344.58 | 0.66 | 不变 | | 华宝中证金融科技主题ETF | 201.04 | 0.39 | 新进 | | 梁留生 | 179.15 | 0.34 | 新进 | | 周哲 | 170.87 | 0.33 | 新进 | | 张云峰 | 139.43 | 0.27 | 新进 | | 顾春梅 | 100.05 | 0.19 | 新进 | | 沈芸 | 100.00 | 0.19 | 新进 | | 张学连 | 94.53 | 0.18 | 新进 | | 较上个报告期退出前十大股东有 | | | | | 罗宗曼 | 398.66 | 0.77 | 退出 | ...

内容概况：近年来，我国自助服务终端行业在政策支持、技术革新与消费升级的共同驱动下，呈现出蓬 勃发展的态势。2019年至2024年期间，行业市场规模持续扩张，市场规模从2019年的350亿元上涨至 2024年的650亿元。随着我国数字化转型的深入推进，各行业对自助服务终端的需求将继续增加，预计 未来市场规模将持续增长。在金融领域，随着金融科技的不断发展，银行将进一步加大对智能自助服务 终端的投入，以提供更多元化的金融服务；在零售领域，无人零售概念的兴起将推动自助售货机和自助 收银机市场的进一步扩大；在政务领域，为了提高政务服务的效率和便捷性，政务自助终端的普及程度 将不断提高。 相关上市企业：广电运通（002152）、ST证通（002197）、南天信息（000948）、东方通信 （600776）、御银股份（002177）、恒银科技（603106） 相关企业：深圳怡化电脑股份有限公司、广州硕远信息科技有限公司、安迅（北京）金融设备系统有限 公司、深圳前海美鼎信息技术有限公司 关键词：自助服务终端行业产业链、自助服务终端行业发展现状、自助服务终端行业发展趋势 一、自助服务终端行业定义及分类 自助服务终端是一种通过集 ...

证券代码：603106 证券简称：恒银科技 公告编号：2025-008 恒银金融科技股份有限公司 关于首次公开发行股票募集资金专户销户完成的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 一、募集资金基本情况 经中国证券监督管理委员会《关于核准恒银金融科技股份有限公司首次公开 发行股票的批复》（证监许可〔2017〕1563 号）文件核准，恒银金融科技股份有 限公司(以下简称"公司")向社会公众公开发行人民币普通股（A 股）股票 7,000 万 股，发行价为每股人民币 10.75 元。本次募集资金总额为人民币 75,250.00 万元， 扣除各项发行费用人民币 5,136.13 万元后，募集资金净额为人民币 70,113.87 万元。 上述募集资金由主承销商中信证券股份有限公司于 2017 年 9 月 14 日汇入公司募 集资金监管账户。天健会计师事务所（特殊普通合伙）对上述募集资金到位情况 进行审验，并出具了《验资报告》（天健验〔2017〕7-78 号）。 公司开设了专门的银行账户对募集资金进行专户存储，并连同中信证券股 ...

(一)股东会召开的时间：2025 年 3 月 13 日 (二)股东会召开的地点：天津自贸试验区（空港经济区）西八道 30 号 恒银金融 科技园 A 座五楼会议室 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： 证券代码：603106 证券简称：恒银科技 公告编号：2025-007 恒银金融科技股份有限公司 2025 年第一次临时股东会决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 本次会议是否有否决议案：无 一、 会议召开和出席情况 | 1、出席会议的股东和代理人人数 | 778 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 307,117,299 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | | | 份总数的比例（%） | 59.0020 | (四)表决方式是否符合《公司法》及《公司章程》的规定，会议主持情况等。 本次会议由公司董事会召集，由公司董事长兼总裁江浩然先生主持，会议采 取现场投票表决和网络投票相结合的表决 ...