证券代码：603106 证券简称：恒银科技 公告编号：2023-021 恒银金融科技股份有限公司 股票交易异常波动暨风险提示公告 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个别及连带责任。 重要内容提示： 经营环境没有发生重大变化。 （二）重大事项情况。经自查，并向公司控股股东恒融投资集团有限公司、 实际控制人江浩然先生发函询问核实，截至本公告披露日，公司及控股股东恒融 投资集团有限公司、实际控制人江浩然先生不存在影响公司股票交易价格异常波 动的重大事项；不存在应披露而未披露的重大信息，包括但不限于重大资产重组、 发行股份、上市公司收购、债务重组、业务重组、资产剥离和资产注入等重大事 项。 一、股票交易异常波动的具体情况 公司股票于 2023 年 8 月 8 日、8 月 9 日连续两个交易日内日收盘价格涨幅 偏离值累计超过 20%，根据《上海证券交易所交易规则》的有关规定，属于股票 交易异常波动情形。自 2023 年 8 月 4 日至 8 月 9 日，公司股价累计涨幅 42.59%， 敬请广大投资者注意投资风险。 二、公司关注并核实 ...

恒银金融科技股份有限公司 股票交易风险提示公告 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个别及连带责任。 恒银金融科技股份有限公司（以下简称"公司"）股票于 2023 年 8 月 4 日、 8 月 7 日连续两个交易日内日收盘价格涨幅偏离值累计超过 20%，根据《上海证 券交易所交易规则》的有关规定，属于股票交易异常波动，公司已于 2023 年 8 月 7 日披露《股票交易异常波动公告》（公告编号：2023-019）。2023 年 8 月 8 日，公司股票再次涨停。鉴于近期公司股价波动较大，现对有关风险提示如下： 一、二级市场交易风险 截至 2023 年 8 月 8 日，公司股票收盘价为 7.81 元/股。公司股票于 2023 年 8 月 7 日触及异常波动后，于 8 月 8 日再次涨停，股票价格波动较大。 自 2023 年 8 月 4 日、8 月 7 日、8 月 8 日连续三个交易日收盘价格累计涨幅 达到 32.11%，股价剔除上证指数和板块整体因素后的实际波动幅度较大。同行 业连续三个交易日累计涨幅 2.94%，公司股票短期涨 ...

证券代码：603106 证券简称：恒银科技 公告编号：2023-015 恒银金融科技股份有限公司 关于召开 2022 年度暨 2023 年第一季度业绩暨 现金分红说明会的公告 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个别及连带责任。 重要内容提示： 会议召开时间：2023 年 5 月 16 日(星期二)下午 14:00-15:00 会议召开地点：上海证券交易所上证路演中心（网址： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 5 月 9 日(星期二)至 5 月 15 日(星期一)16:00 前登录上 证路演中心网站首页点击"提问预征集"栏目或通过公司邮箱 cashway@cashwaytech.com 进行提问。公司将在说明会上对投资者普遍关注的 问题进行回答。 二、说明会召开的时间、地点 （一）会议召开时间：2023 年 5 月 16 日下午 14:00-15:00 （二）会议召开地点：上海证券交易所上证路演中心（网址： http://roadshow. ...

Financial Performance - The net profit attributable to the parent company for 2022 was -¥152,051,831.95, indicating a loss compared to the previous year[7]. - The company proposed not to distribute profits for 2022 due to the negative net profit, with undistributed profits carried forward to the next year[7]. - As of December 31, 2022, the consolidated undistributed profits amounted to ¥150,933,578.45, while the parent company's distributable profits were ¥182,036,229.35[7]. - The company's operating revenue for 2022 was CNY 585,110,350.67, a decrease of 18.16% compared to CNY 714,981,079.47 in 2021[26]. - The net profit attributable to shareholders of the listed company was CNY -152,051,831.95 in 2022, a significant decline from CNY 19,017,281.22 in 2021, representing a decrease of 899.55%[26]. - The basic earnings per share for 2022 was CNY -0.29, down 825.00% from CNY 0.04 in 2021[27]. - The total assets at the end of 2022 were CNY 2,216,687,977.11, a decrease of 9.47% from CNY 2,448,520,891.70 at the end of 2021[26]. - The net asset attributable to shareholders of the listed company decreased by 9.35% to CNY 1,473,633,738.83 at the end of 2022 from CNY 1,625,685,570.78 at the end of 2021[26]. - The cash flow from operating activities for 2022 was CNY -41,921,506.01, a decline of 387.71% compared to CNY 14,570,574.72 in 2021[26]. - The company reported a weighted average return on equity of -9.81% in 2022, down 10.97 percentage points from 1.16% in 2021[27]. - The company experienced a net loss of CNY 72,627,126.81 in the fourth quarter of 2022, contributing to the overall annual loss[29]. Risk Management and Compliance - The company has detailed the potential risks in its operations, which investors should be aware of[10]. - The audit report issued by Xinyong Zhonghe Accounting Firm confirmed the financial report's authenticity and completeness[6]. - The board of directors has ensured that all members attended the board meeting, affirming the report's accuracy[5]. - The company has not engaged in any non-operating fund occupation by controlling shareholders or related parties[9]. - There were no violations of decision-making procedures regarding external guarantees[9]. - The company enhanced its compliance management and internal control systems, ensuring fund security and liquidity while maximizing returns[46]. Strategic Initiatives and Market Position - The company is committed to addressing market changes and risks in its future strategic planning[8]. - The report includes a forward-looking statement regarding the company's development strategy and operational plans, subject to market fluctuations[8]. - The company successfully entered the supply chain for various banking equipment, with significant growth in orders for integrated machines from major banks, including a notable increase in orders from Industrial and Commercial Bank of China compared to 2021[40]. - The company established a cloud-based e-commerce platform, which is now ready for operational launch, and saw substantial growth in software sales compared to 2021[41]. - The company completed the R&D and mass production of a second-generation machine core based on domestic chips, enhancing the usability of its products through continuous market feedback[42]. - The company achieved a significant increase in its patent management capabilities, with a much higher patent authorization rate than the national average, marking its first international patent application[42]. - The company expanded its international business, establishing channels in over 20 countries and conducting preliminary testing for 58 projects[40]. - The company is focusing on self-research and innovation in financial technology and artificial intelligence, aiming to reduce operational costs and improve customer experience[54]. - The company is actively expanding its research efforts into key areas such as smart finance, smart government, and smart transportation[62]. - The company is focusing on increasing R&D investment to explore the integration of AI, big data, and cloud computing with smart devices[98]. Corporate Governance and Shareholder Engagement - The company held three shareholder meetings in May, September, and November to approve various proposals, including the annual profit distribution plan and the appointment of non-independent directors[123]. - The board of directors consists of 7 members, including 3 independent directors, ensuring compliance with legal requirements[123]. - The company’s board and its specialized committees conducted thorough reviews of financial reports and other significant matters, ensuring independent judgment and decision-making[124]. - The supervisory board held three meetings during the reporting period to review the use of idle raised funds and the annual profit distribution plan[125]. - The company emphasizes communication with investors, providing multiple channels for inquiries and feedback, and participated in investor engagement activities[126]. - The company has established an investor hotline and dedicated email for better communication with investors[130]. - The company’s governance structure complies with the regulations set by the China Securities Regulatory Commission[130]. - The company is focused on maintaining transparency in its shareholding and governance practices, which is crucial for regulatory compliance[140]. Social Responsibility and Community Engagement - The company has made a total donation of 269,800 CNY for public welfare projects, including 200,000 CNY for the "Beitang Historical Cultural Park" project in Tianjin[177][178]. - The company has contributed 500,000 CNY to poverty alleviation and rural revitalization projects, with specific donations of 200,000 CNY to strengthen party organization in Huayuan Village and 205,000 CNY for environmental improvement in Tianhe Village[179][180]. - A total of 546 individuals benefited from the charity activities, including 140 Tibetan students receiving school supplies[177][180]. - The company invested 55,000 CNY in environmental protection during the reporting period[172]. Future Outlook and Projections - The company provided guidance for Q1 2023, expecting revenue to be between 1.6 billion and 1.8 billion, indicating a growth of 7% to 12%[138]. - New product launches included a cutting-edge software platform that is projected to increase market share by 5% in the next fiscal year[138]. - The company is investing 200 million in R&D for new technologies aimed at enhancing user experience and operational efficiency[138]. - Market expansion plans include entering three new international markets by the end of 2023, targeting a 10% increase in global sales[138]. - The company completed an acquisition of a smaller tech firm for 300 million, expected to enhance its product offerings and customer base[138]. - A new strategic partnership was announced with a leading industry player, aimed at co-developing innovative solutions[138].

2023 年第一季度报告 证券代码：603106 证券简称：恒银科技 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 第一季度财务报表是否经审计 □是 √否 公司负责人、主管会计工作负责人及会计机构负责人（会计主管人员）保证季度报告中财务信息 的真实、准确、完整。 一、 主要财务数据 (一)主要会计数据和财务指标 单位：元 币种：人民币 | 项目 | 本报告期 | 本报告期比上年同期 | | --- | --- | --- | | | | 增减变动幅度(%) | | 营业收入 | 118,686,151.97 | 5.31 | | 归属于上市公司股东的净利润 | -29,676,560.16 | 不适用 | | 归属于上市公司股东的扣除非经常性损益的净利润 | -30,113,131.43 | 不适用 | | 经营活动产生的现金流量净额 | -57,953,041.74 | 不适用 | | 基本每股收益（元/股） | -0.06 | 不适用 | | 稀释每股收益（元/股） | -0.06 | 不适用 | | ...

2022 年第三季度报告 证券代码：603106 证券简称：恒银科技 恒银金融科技股份有限公司 2022 年第三季度报告 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： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 公司负责人、主管会计工作负责人及会计机构负责人（会计主管人员）保证季度报告中财务 信息的真实、准确、完整。 第三季度财务报表是否经审计 □是 √否 一、 主要财务数据 (一)主要会计数据和财务指标 单位：元 币种：人民币 | 项目 | 本报告期 | 本报告期比 | 年初至报告期末 | 年初至报告 期末比上年 | | --- | --- | --- | --- | --- | | | | 上年同期增 | | | | | | 减变动幅度 | | 同期增减变 | | | | (%) | | 动幅度(%) | | 营业收入 | 152,761,451.80 | 18.44 | 394,332,410.55 ...

1 证券代码：603106 证券简称：恒银科技 公告编号：2022-027 恒银金融科技股份有限公司 关于参加"2022年度天津辖区上市公司半年报业绩说明会与 投资者网上集体接待日"活动的公告 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个别及连带责任。 恒银金融科技股份有限公司（以下简称"公司"）已于2022年8月26日在上 海证券交易所网站（www.sse.com.cn）及相关法定媒体披露了公司《2022年半年 度报告》。为便于广大投资者更深入全面地了解公司情况，公司将于2022年9月6 日（星期二）13:40-16:40参加由天津证监局主办、天津上市公司协会、深圳市 全景网络有限公司协办的"2022年度天津辖区上市公司半年报业绩说明会与投资 者网上集体接待日"活动。 本次活动将采用网络远程的方式举行，投资者可登录"全景路演" （http://rs.p5w.net）参与本次互动交流。网上互动交流时间为2022年9月6日 （星期二）15:00-16:30。 出席本次"2022 年度天津辖区上市公司半年报业绩说明会与投资者网上集 体接 ...

2022 年半年度报告 六、 前瞻性陈述的风险声明 √适用 □不适用 公司代码：603106 公司简称：恒银科技 恒银金融科技股份有限公司 2022 年半年度报告 1 / 138 2022 年半年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、 完整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 公司全体董事出席董事会会议。 无。 本报告内容涉及的发展战略、经营计划等前瞻性陈述受市场变化等多方面因素影响，并 不构成公司对投资者的实质承诺，请投资者注意投资风险。 七、 是否存在被控股股东及其关联方非经营性占用资金情况 否 八、 是否存在违反规定决策程序对外提供担保的情况？ 否 九、 是否存在半数以上董事无法保证公司所披露半年度报告的真实性、准确性和完整性 否 十、 重大风险提示 公司已在本报告中详细陈述了经营活动中可能存在的相关风险，敬请投资者予以关注， 详见本报告第三节"管理层讨论与分析"等有关章节中关于公司面临风险的描述。 十一、 其他 □适用 √不适用 2 / 138 三、 本半年度报告未经审计。 四、 公司负责人江浩 ...

2022 年第一季度报告 证券代码：603106 证券简称：恒银科技 第一季度财务报表是否经审计 □是 √否 一、 主要财务数据 (一)主要会计数据和财务指标 单位：元 币种：人民币 | 项目 | 本报告期 | 本报告期比上年同期增减 变动幅度(%) | | --- | --- | --- | | 营业收入 | 112,705,230.17 | -36.16 | | 归属于上市公司股东的净利润 | -18,309,253.11 | -382.30 | | 归属于上市公司股东的扣除非经常性 | -24,688,579.88 | -1,087.34 | | 损益的净利润 | | | | 经营活动产生的现金流量净额 | -125,762,995.39 | 不适用 | | 基本每股收益（元/股） | -0.04 | -382.30 | 恒银金融科技股份有限公司 2022 年第一季度报告 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、准确性和完整性依法承担法律责任。 重要内容提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 ...

Financial Performance - In 2021, the net profit attributable to the parent company was RMB 19,017,281.22, while the net profit for the parent company reached RMB 19,790,979.59[4] - The company's operating revenue for 2021 was RMB 714,981,079.47, a decrease of 22.60% compared to 2020[21] - The net profit attributable to shareholders was RMB 19,017,281.22, down 41.36% from the previous year[21] - The basic earnings per share for 2021 was RMB 0.04, a decline of 33.33% compared to 2020[22] - The weighted average return on equity decreased to 1.16%, down 0.8 percentage points from 2020[22] - The net cash flow from operating activities was RMB 14,570,574.72, a significant recovery from a negative cash flow in 2020[21] - The total assets at the end of 2021 were RMB 2,448,520,891.70, a decrease of 4.65% from the end of 2020[21] - Non-recurring gains and losses for 2021 totaled RMB 39,484,579.64, with significant contributions from government subsidies[27] - The company reported a gross profit margin of 40%, consistent with the previous year, indicating stable cost management[127] Profit Distribution and Capital Reserves - As of December 31, 2021, the company's distributable profits amounted to RMB 326,202,472.93, and the capital reserve stood at RMB 755,885,846.82[4] - The board of directors proposed no profit distribution or capital reserve transfer for 2021, pending approval at the annual shareholders' meeting[4] - The company plans to distribute a cash dividend of RMB 0.60 per 10 shares and increase capital by 3 shares for every 10 shares held[23] Corporate Governance - The company has held three shareholder meetings during the reporting period to address various governance matters, including profit distribution and board elections[109] - The board of directors consists of seven members, including three independent directors, ensuring compliance with legal requirements[109] - The board has conducted six meetings during the reporting period to review significant financial and operational decisions, maintaining adherence to regulatory standards[111] - The company held a total of 6 supervisory board meetings during the reporting period, addressing key issues such as the use of idle raised funds for cash management and the annual profit distribution plan[113] - The company established a dedicated investor relations team to facilitate communication with investors, responding to inquiries through multiple channels[113] Risk Management - The company has detailed the potential risks associated with its operations in the report, urging investors to pay attention[8] - The report includes a forward-looking statement risk declaration, indicating that future strategies and plans are subject to market changes[5] - The company faces market competition risks due to the ongoing transformation in the banking sector, which is increasing demand for financial self-service equipment while reducing demand for traditional cash devices[102] Research and Development - Research and development expenses for 2021 were CNY 81.86 million, representing 11.45% of operating revenue[53] - The company has received nearly 1,000 intellectual property certificates, including 52 invention patents and 269 utility model patents[53] - The company invested CNY 200 million in R&D for new technologies, focusing on AI and machine learning advancements[127] Market Expansion and Product Development - The company achieved significant sales progress with its new generation of smart teller machines, securing sales with major banks including Industrial and Commercial Bank of China and Agricultural Bank of China, among others[35] - The company is focusing on enhancing online and offline service integration to improve customer experience and operational efficiency[86] - The company is actively pursuing breakthroughs in overseas markets, particularly in South America and Southeast Asia, to mitigate the impact of the pandemic on its international business[93] Social Responsibility - The company has been actively involved in social responsibility initiatives, earning a spot in the 2021 China Charity 500 Strong list[34] - The company has made donations totaling 1.5 million yuan to support rural revitalization and cultural construction initiatives[166][167] - The company donated 300,000 yuan to improve medical facilities in two villages in Gansu Province, enhancing local healthcare[167] Internal Control and Compliance - The company maintained effective internal control over financial reporting as of December 31, 2021, with no significant deficiencies identified[158] - The internal control audit report issued by the accounting firm confirmed the effectiveness of the company's internal controls in all material respects[159] - The company has been proactive in ensuring compliance with regulatory requirements, as evidenced by the adjustments made in response to the disciplinary notice[139] Investment and Financial Management - The company has invested a total of ¥200,000,000 in bank wealth management products and ¥635,000,000 in trust wealth management products, with an outstanding balance of ¥270,000,000[196] - The company achieved a return of ¥4,161,369.86 from a ¥50,000,000 investment in a non-principal guaranteed trust product with an annualized yield of 8.3%[199] - The company has a total of five wealth management products with varying returns and investment amounts, indicating a diversified investment strategy[199]