Financial Performance - Operating revenue fell by 47.94% to CNY 173,112,679.76 year-on-year[5] - Net profit attributable to shareholders decreased by 71.58% to CNY 9,039,089.69 compared to the same period last year[5] - Basic earnings per share dropped by 72.73% to CNY 0.03 compared to the previous year[5] - The company reported a significant increase in non-recurring losses, with a net loss attributable to shareholders after excluding non-recurring items of CNY -13,572,714.61[5] - The company's operating revenue for Q1 2019 was CNY 173,112,679.76, a decrease of 48% compared to CNY 332,553,972.11 in Q1 2018[28] - The net profit for Q1 2019 was CNY 9,604,095.59, down from CNY 31,806,380.89 in the same period last year, representing a decline of approximately 70%[29] - The total profit for Q1 2019 was CNY 12,344,368.21, down from CNY 37,749,904.10 in Q1 2018, reflecting a decline of about 67%[29] - The company's operating profit for Q1 2019 was CNY 12,354,614.91, compared to CNY 34,999,394.91 in Q1 2018, a decrease of approximately 64%[28] Cash Flow and Liquidity - The net cash flow from operating activities improved to CNY -65,168,349.55 from CNY -126,872,615.94 year-on-year[5] - Cash and cash equivalents decreased by 56.13% to ¥232,111,046.68 from ¥529,039,428.60 due to lower sales receipts and investment in financial products[11] - The cash flow from operating activities in Q1 2019 was CNY 115,110,339.10, down from CNY 145,574,177.13 in Q1 2018, a decrease of about 21%[32] - The net cash flow from operating activities was -¥63,660,886.90, compared to -¥126,872,615.94 in the same quarter last year, showing an improvement[37] - The total cash outflow from operating activities was ¥228,276,773.31, compared to ¥311,433,173.59 in the previous year, indicating a reduction in cash outflows[37] - The company experienced a net decrease in cash and cash equivalents of -¥287,420,557.37, compared to -¥124,166,121.87 in the same quarter last year[38] Assets and Liabilities - Total assets decreased by 1.84% to CNY 2,275,757,663.38 compared to the end of the previous year[5] - Total liabilities decreased to CNY 610,385,412.21 in Q1 2019 from CNY 662,222,275.11 in Q1 2018, a reduction of 7.83%[21] - Accounts receivable increased to CNY 470,911,955.83 in Q1 2019 from CNY 434,617,940.53 in Q1 2018, reflecting a growth of 8.33%[20] - The company reported a decrease in cash and cash equivalents to CNY 230,139,946.90 from CNY 528,428,886.75 year-over-year[19] - The total assets as of March 31, 2019, were CNY 2,276,175,507.84, a decrease from CNY 2,318,408,275.15 at the end of 2018[20] Shareholder Information - The total number of shareholders reached 33,374 by the end of the reporting period[8] - The largest shareholder, Hengrong Investment Group, holds 46.43% of the shares[9] Government Support and Other Income - The company received government subsidies amounting to CNY 22,442,162.73 during the reporting period[7] - Other income surged by 229.01% to ¥26,443,945.13 from ¥8,037,321.72, largely due to increased government subsidies received[12] - The company reported other income of CNY 26,443,945.13 in Q1 2019, significantly higher than CNY 8,037,321.72 in Q1 2018, an increase of approximately 229%[28] Operating Costs and Expenses - Operating costs decreased by 45.36% to ¥123,617,301.18 from ¥226,231,828.97, reflecting the decline in operating revenue[12] - Research and development expenses for Q1 2019 were CNY 22,467,670.87, slightly down from CNY 24,543,997.04 in Q1 2018[24] - The company incurred a total of CNY 123,617,301.18 in operating costs for Q1 2019, down from CNY 226,231,828.97 in Q1 2018, reflecting a decrease of approximately 45%[28]

Financial Performance - The company's operating revenue for 2018 was ¥974,307,724.45, a decrease of 34.35% compared to ¥1,484,155,291.00 in 2017[23]. - The net profit attributable to shareholders for 2018 was ¥80,188,691.37, down 46.26% from ¥149,212,459.42 in 2017[23]. - The basic earnings per share for 2018 was ¥0.26, a decline of 56.67% from ¥0.60 in 2017[24]. - The total assets at the end of 2018 were ¥2,318,408,183.48, a slight decrease of 0.61% from ¥2,332,713,082.84 in 2017[23]. - The net cash flow from operating activities for 2018 was ¥202,606,356.98, down 5.62% from ¥214,661,149.07 in 2017[23]. - The weighted average return on equity for 2018 was 4.95%, a decrease of 10.24 percentage points from 15.19% in 2017[24]. - The net profit after deducting non-recurring gains and losses for 2018 was ¥48,310,103.21, a decrease of 66.03% from ¥142,219,776.60 in 2017[23]. - The company reported a revenue of CNY 974.31 million for the year, a decrease of 34.35% compared to the previous year[58]. - The net profit attributable to shareholders was CNY 80.19 million, down 46.26% year-on-year[58]. - Total assets decreased by 0.61% year-on-year, amounting to CNY 2,318.41 million[58]. Dividend and Capital Changes - The profit distribution plan for 2018 includes a cash dividend of RMB 0.60 per 10 shares, totaling RMB 18.48 million, with no stock dividends proposed[5]. - The company's total share capital will increase to 40,040,000 shares after a capital reserve conversion of 3 shares for every 10 shares held[5]. - The registered capital of the company is set to change to RMB 400.40 million following the proposed capital increase[5]. - The company plans to distribute cash dividends of ¥0.25 per share for the 2017 fiscal year[25]. - The total share capital increased from 280 million shares to 308 million shares following a profit distribution plan, which included a cash dividend of RMB 0.25 per 10 shares and a capital reserve conversion of 1 share for every 10 shares held[175]. Audit and Compliance - The company has received a standard unqualified audit report from Tianjian Accounting Firm[4]. - The company is committed to ensuring the accuracy and completeness of the financial report, with all board members present at the meeting[8]. - There were no significant accounting errors or changes in accounting policies that affected the financial statements during the reporting period[129]. - The company has established measures to protect the rights of minority shareholders in related party transactions[124]. Market and Industry Insights - The company operates in the financial technology sector, focusing on self-service banking equipment and solutions[11]. - The company is a leading provider of smart banking solutions centered around financial self-service devices, focusing on cash and non-cash products, payment security technologies, and services to support the transformation of traditional banks into smart banks[34]. - The competitive landscape is characterized by severe product homogeneity and price wars, impacting the long-term health of the industry[39]. - The domestic ATM market is experiencing severe price competition and product homogeneity, with the market entering a low-profit era[87]. - The trend towards smart banking is driving the demand for new self-service devices, with an estimated 220,000 bank branches needing upgrades[95]. Research and Development - R&D investment over the past three years amounted to approximately 62.21 million, 80.33 million, and 86.02 million RMB, representing 5.32%, 5.41%, and 8.83% of revenue respectively[45]. - The company has applied for a total of 655 patents and software copyrights, with 376 granted[45]. - The company has established a research institute to enhance its R&D capabilities, focusing on autonomous innovation and product upgrades[52]. - The company is focusing on the development of integrated smart devices that combine cash and non-cash services to enhance banking resource allocation[95]. Customer and Supplier Relations - The company has established a stable customer base, including large state-owned commercial banks and nationwide joint-stock commercial banks, resulting in a steady increase in sales of financial self-service devices[34]. - The top five customers contributed 705.37 million yuan in sales, accounting for 72.40% of total annual sales[73][75]. - The top five suppliers accounted for 41.45% of total annual purchases, with total procurement amounting to 192.04 million yuan[73][76]. Corporate Governance and Shareholder Commitments - The company has committed to not engaging in any business that competes with its main operations, both directly and indirectly, as of the date of the commitment letter[120]. - The commitment includes a guarantee that if any competitive business is identified, the company will promptly transfer or terminate such business activities[120]. - The company has pledged to use shareholder rights legally and reasonably, without restricting the normal operations of the issuer[122]. - The company will ensure that any future business ventures will not involve similar activities to those of the issuer[120]. - The company has committed to minimizing and regulating related party transactions, adhering to market pricing principles[122]. Social Responsibility and Environmental Commitment - The company initiated the Tianjin Hengyin Charity Foundation to enhance its corporate social responsibility and brand image[58]. - The company emphasizes environmental protection and has obtained ISO14001 and OHSAS18001 certifications for its environmental management systems[169]. - The company is focused on creating economic value while promoting harmony between employees, society, and nature[168]. - The company has a commitment to strict compliance with environmental laws and regulations as part of its corporate responsibility[168]. Executive Compensation and Shareholding Changes - Chairman Jiang Haoran received a pre-tax compensation of CNY 516,000 during the reporting period[197]. - The total pre-tax compensation for the reporting period for all listed executives was CNY 461,420[198]. - The total number of shares held by all executives at the beginning of the year was 6,100,000, increasing to 6,497,500 by year-end, a net increase of 397,500 shares[198]. - The company experienced a capital reserve conversion, impacting shareholding changes among executives[197].

2018 年第三季度报告 公司代码：603106 公司简称：恒银金融 恒银金融科技股份有限公司 2018 年第三季度报告 1 / 15 | 目录 | | --- | | 一、 | 重要提示 | 3 | | --- | --- | --- | | 二、 | 公司基本情况 | 3 | | 三、 | 重要事项 | 7 | | 四、 | 附录 | 9 | 2018 年第三季度报告 一、 重要提示 1.1 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、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 公司全体董事出席董事会审议季度报告。 1.3 公司负责人江浩然、主管会计工作负责人温健及会计机构负责人（会计主管人员）云泽杨保 证季度报告中财务报表的真实、准确、完整。 1.4 本公司第三季度报告未经审计。 二、 公司基本情况 2.1 主要财务数据 3 / 15 单位：元 币种：人民币 本报告期末 上年度末 本报告期末比上年度末 增减(%) 总资产 2,133,496,338.74 2,332,713,082.84 -8.54 归属于上市公司股 东的净资产 1 ...

2018 年半年度报告 公司代码：603106 公司简称：恒银金融 恒银金融科技股份有限公司 2018 年半年度报告 1 / 96 2018 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、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。 二、 公司全体董事出席董事会会议。 三、 本半年度报告未经审计。 无。 六、 前瞻性陈述的风险声明 √适用 □不适用 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、 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，详见本报告第四节"经营情况讨论与分析"等有关章节中关于公司面临风险的 描述。 十、 其他 □适用 √不适用 2 / 96 四、 公司负责人江浩然、主管会计工作负责人温健及会计机构负责人（会计主管人员）云泽杨声 明：保证半年度报告中财务 ...

2018 年第一季度报告 公司代码：603106 公司简称：恒银金融 恒银金融科技股份有限公司 2018 年第一季度报告 1 / 12 | 一、 | 重要提示 3 | | --- | --- | | 二、 | 公司基本情况 3 | | 三、 | 重要事项 6 | | 四、 | 附录 8 | 2018 年第一季度报告 一、 重要提示 二、 公司基本情况 2.1 主要财务数据 非经常性损益项目和金额 √适用 □不适用 单位：元 币种：人民币 3 / 12 单位：元 币种：人民币 本报告期末 上年度末 本报告期末比上年度末增减 (%) 总资产 2,203,254,832.09 2,332,713,082.84 -5.55 归属于上市公司 股东的净资产 1,614,803,594.14 1,582,997,213.25 2.01 年初至报告期末 上年初至上年报告期末 比上年同期增减(%) 经营活动产生的 现金流量净额 -126,872,615.94 -202,309,593.43 -37.29 年初至报告期末 上年初至上年报告期末 比上年同期增减（%） 营业收入 332,553,972.11 373,312,132. ...

2017 年年度报告 2017 年年度报告 公司代码：603106 公司简称：恒银金融 恒银金融科技股份有限公司 2017 年年度报告 1 / 131 重要提示 三、 天健会计师事务所（特殊普通合伙）为本公司出具了标准无保留意见的审计报告。 四、 公司负责人江浩然、主管会计工作负责人温健及会计机构负责人（会计主管人员）云泽杨声 明：保证年度报告中财务报告的真实、准确、完整。 五、 经董事会审议的报告期利润分配预案或公积金转增股本预案 公司2017年度利润分配预案为：以公司分红派息股权登记日的股本为基数，向全体股东每10 股派发现金股利0.25元（含税），共计派发现金股利人民币700.00万元（含税），剩余未分配利 润结转以后年度，不送红股。以资本公积转增股本，每10股转增1股，转增完成后，公司股本变更 为30,800万股，注册资本变更为30,800万元。上述利润分配预案尚需提交公司2017年年度股东大 会审议批准。 六、 前瞻性陈述的风险声明 √适用 □不适用 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 ...

Financial Performance - Operating revenue for the first nine months reached CNY 1,099,309,269.37, a 28.88% increase year-on-year[6] - Net profit attributable to shareholders was CNY 123,419,990.86, reflecting a 3.27% increase compared to the same period last year[6] - Year-to-date operating revenue for the first nine months of 2017 was ¥1,099,309,269.37, up 29% from ¥852,946,036.97 in the same period last year[22] - Year-to-date net profit for the first nine months of 2017 was ¥123,419,990.86, an increase of 3.8% from ¥119,511,181.83 in the same period last year[24] - Net profit for Q3 2017 was ¥34,001,346.34, a decrease of 11.6% compared to ¥38,397,613.68 in Q3 2016[24] Assets and Liabilities - Total assets increased by 14.58% to CNY 2,123,094,155.94 compared to the end of the previous year[6] - Total liabilities as of the end of Q3 2017 amounted to ¥565,889,411.25, a decrease from ¥1,120,311,522.11 in the previous year[20] - Current liabilities decreased significantly by 63.06% to ¥365,914,894.97 from ¥990,468,998.89, reflecting improved liquidity management[19] - Cash and cash equivalents increased by 32.52% to ¥584,278,643.43 from ¥440,882,701.92, primarily due to funds received from the public offering of shares[14] - Cash and cash equivalents at the end of Q3 2017 were ¥525,155,221.19, significantly up from ¥18,200,682.18 at the end of Q3 2016[27] Shareholder Information - The total number of shareholders reached 67,660 by the end of the reporting period[12] - The largest shareholder, 恒融投资集团有限公司, holds 46.43% of the shares, totaling 130,000,000 shares[12] Cash Flow - Cash flow from operating activities showed a significant improvement, with a net cash flow of CNY -85,555,301.21, compared to CNY -138,848,983.17 in the previous year[6] - The company reported a net cash outflow from operating activities of ¥85,555,301.21 for the first nine months of 2017, an improvement from a net outflow of ¥138,848,983.17 in the same period last year[26] - Cash flow from operating activities improved by ¥53,293,681.96, reflecting increased cash receipts from sales[15] Equity and Earnings - Net assets attributable to shareholders increased by 112.55% to CNY 1,557,204,744.69 compared to the end of the previous year[6] - Total equity increased to ¥1,557,204,744.69 from ¥732,646,085.33 year-over-year[20] - Basic and diluted earnings per share increased by 3.27% to CNY 0.5877[7] - Basic earnings per share for Q3 2017 were ¥0.1619, down from ¥0.1828 in Q3 2016[24] Operational Costs and Expenses - Operating costs increased by 41.83% to ¥726,049,806.14 from ¥511,910,917.55, driven by revenue growth[15] - Financial expenses decreased by 55.87% to ¥5,374,936.15 from ¥12,178,985.64, mainly due to reduced loan interest expenses[15] Government Subsidies - The company received government subsidies amounting to CNY 5,610,666.79, closely related to its normal business operations[8] Accounts Receivable and Payable - Accounts receivable rose by 30.20% to ¥576,088,162.49 from ¥442,453,907.94, mainly due to outstanding payments[14] - Accounts payable declined by 36.09% to ¥124,620,117.32 from ¥194,981,847.49, mainly due to payments made on outstanding accounts[14] Borrowings - Short-term borrowings decreased by 88.75% to ¥30,647,047.21 from ¥272,500,000.00, primarily due to repayment of previous loans[14] Other Current Assets - Other current assets surged by 12,463.12% to ¥142,223,975.60 from ¥1,132,075.48, attributed to the purchase of financial products[14] Return on Net Assets - The weighted average return on net assets decreased by 2.55 percentage points to 15.54%[7]