Financial Performance - The total revenue and investment income for the year ended March 31, 2025, was approximately HKD 39,100,000, an increase of about 4.6% compared to HKD 37,400,000 for the year ended March 31, 2024[3]. - The pre-tax loss for the year ended March 31, 2025, was approximately HKD 500,000, significantly improved from a loss of HKD 11,100,000 in the previous year[3]. - The loss attributable to owners of the company for the year ended March 31, 2025, was approximately HKD 2,700,000, down from HKD 12,300,000 for the year ended March 31, 2024[3]. - Basic and diluted loss per share for the year ended March 31, 2025, was approximately HKD 0.12, compared to HKD 0.56 for the previous year[3]. - The total comprehensive loss attributable to owners for the year ended March 31, 2025, was approximately HKD 2,672,795, compared to HKD 13,686,429 in the previous year[5]. - The group reported a net loss before tax of HKD 525,563 for the year 2025, compared to a net loss of HKD 11,053,072 in 2024, indicating an improvement in financial performance[29]. - The company reported a loss attributable to shareholders of HKD 2,658,944 in 2025, compared to a loss of HKD 12,257,049 in 2024, indicating a significant improvement[44]. Assets and Liabilities - Total assets less current liabilities as of March 31, 2025, amounted to HKD 181,188,666, a slight decrease from HKD 182,712,587 in the previous year[7]. - Total assets for the year ending March 31, 2025, amounted to HKD 232,934,296, a decrease from HKD 249,342,480 in 2024, representing a decline of approximately 6.6%[33]. - Total liabilities for the year ending March 31, 2025, were HKD 53,928,254, compared to HKD 67,663,643 in 2024, indicating a reduction of about 20.3%[33]. - The total borrowings as of March 31, 2025, were HKD 10,968,832, a decrease from HKD 28,293,898 in 2024, with secured bank loans at HKD 6,468,832 and shareholder loans at HKD 4,500,000[60]. Revenue Sources - Commission income from securities trading on the Hong Kong Stock Exchange increased to HKD 4,847,295 in 2025 from HKD 4,485,249 in 2024, reflecting a growth of about 8.06%[24]. - Interest income from margin clients rose significantly to HKD 18,218,874 in 2025, up from HKD 13,791,831 in 2024, marking an increase of approximately 32.5%[24]. - The total segment revenue for the investment holding segment was HKD 52,500 in 2025, compared to HKD 94,620 in 2024, indicating a decline of approximately 44.5%[29]. - Interest income from loan clients decreased by approximately 32.9% from HKD 16,117,891 in 2024 to HKD 10,808,059 in 2025[69]. Credit Quality and Impairment - The expected credit loss on trade receivables for 2025 was HKD (10,870,446), a substantial increase from HKD (3,852,949) in 2024, highlighting a deterioration in credit quality[26]. - The expected credit loss provision for margin clients increased to HKD 21,109,758 in 2025 from HKD 15,984,639 in 2024, showing a rise of about 32.5%[49]. - The total impairment loss provision for receivables increased by HKD 19,186,630, with contributions from Stage 1, Stage 2, and Stage 3 receivables amounting to HKD 91,794, HKD 12,491,209, and HKD 6,603,627 respectively[54]. - The total impairment losses recognized for trade receivables and loans under the expected credit loss model were approximately HKD 10,900,000 and HKD 19,200,000 for the year ending March 31, 2025, compared to HKD 3,900,000 and HKD 30,100,000 for the year ending March 31, 2024[77]. Cash Flow and Liquidity - The company’s cash and cash equivalents in general accounts amounted to HKD 11,277,168 as of March 31, 2025, compared to HKD 3,618,638 in the previous year[6]. - Cash and bank balances increased by approximately 211.6% to HKD 11,300,000 as of March 31, 2025, compared to HKD 3,600,000 as of March 31, 2024[80]. - The current ratio improved to approximately 3.7 times as of March 31, 2025, compared to approximately 3.0 times as of March 31, 2024[80]. - The company maintains sufficient liquidity to meet both long-term and short-term financial obligations, supported by a monitoring system and backup bank credit lines[91]. Dividends and Shareholder Information - The company reported no proposed dividend for the year ended March 31, 2025, consistent with the previous year[3]. - No dividends are proposed for the fiscal year ending March 31, 2025, and the annual general meeting is scheduled for August 11, 2025[100]. Corporate Governance and Compliance - The audit committee, consisting of three independent non-executive directors, has reviewed the financial results for the year ending March 31, 2025, ensuring compliance with applicable accounting standards[101]. - The preliminary performance figures for the year ending March 31, 2025, have been verified by the auditor, Tianjian International CPA Limited[102]. - The company has not issued any certification regarding the preliminary announcement as it does not constitute an audit engagement under Hong Kong auditing standards[102]. Future Outlook and Strategy - The company aims to expand its client base by attracting customers affected by local brokerage closures and enhancing its trading platform[93]. - The company is committed to becoming a leading financial services group in Hong Kong and will continue to explore new revenue opportunities to enhance profitability[93]. - The group did not have any significant investments or acquisitions planned as of March 31, 2025, but will actively seek investment opportunities to enhance profitability[85].

Financial Performance - For the fiscal year ending March 31, 2025, the company reported revenue of approximately HKD 869.7 million, an increase of about HKD 417.5 million or 92.3% compared to HKD 452.2 million for the fiscal year ending March 31, 2024[3]. - The gross profit for the fiscal year ending March 31, 2025, was approximately HKD 102.7 million, up by about HKD 74.7 million or 266.8% from HKD 28.0 million in the previous year, resulting in a gross margin of approximately 11.8%[3]. - The adjusted EBITDA turned from a loss of approximately HKD 40.1 million for the fiscal year ending March 31, 2024, to a profit of approximately HKD 44.8 million for the fiscal year ending March 31, 2025, an improvement of about HKD 84.9 million[3]. - The net loss attributable to the company's owners for the fiscal year ending March 31, 2025, was approximately HKD 15.7 million, significantly reduced from a loss of HKD 78.9 million in the previous year[3]. - Basic and diluted loss per share for the fiscal year ending March 31, 2025, was approximately HKD 1.22, compared to HKD 6.61 for the fiscal year ending March 31, 2024[5]. Assets and Equity - The company's non-current assets increased to approximately HKD 341.6 million as of March 31, 2025, from HKD 158.9 million in the previous year[6]. - Current assets decreased to approximately HKD 537.7 million as of March 31, 2025, compared to HKD 665.7 million in the previous year[6]. - The company's total equity increased to approximately HKD 467.0 million as of March 31, 2025, from HKD 233.9 million in the previous year[7]. Revenue Segmentation - The group reported segment revenue from external customers of HKD 869,730,000 for the year ending March 31, 2025, with contributions of HKD 174,011,000 from upper structure construction and HKD 695,719,000 from reverse supply chain management and environmental services[15]. - For the year ending March 31, 2024, the segment revenue from external customers was HKD 452,192,000, with HKD 223,495,000 from upper structure construction and HKD 228,697,000 from reverse supply chain management and environmental services[16]. - Revenue from reverse supply chain management and environmental services surged to HKD 695,719,000 in 2025, up 204.5% from HKD 228,697,000 in 2024[21]. - Revenue from the construction and renovation services was HKD 174,011,000 in 2025, down 22.2% from HKD 223,495,000 in 2024[21]. Expenses and Losses - The group recorded a loss before tax of HKD 13,739,000 for the year ending March 31, 2025, which includes expenses related to share-based payments of HKD 38,914,000[15]. - The group experienced a significant loss in segment performance for the year ending March 31, 2024, with a total segment loss of HKD 20,079,000, including losses of HKD 16,508,000 from upper structure construction and HKD 3,571,000 from reverse supply chain management[16]. - Total operating expenses for the year ending March 31, 2025, were approximately HKD 121.2 million, an increase of approximately HKD 11.2 million or 10.2% from approximately HKD 110.0 million for the year ending March 31, 2024[57]. Share Capital and Dividends - The company did not recommend the payment of a final dividend for the fiscal year ending March 31, 2025, consistent with the previous year[3]. - The company plans to increase its authorized share capital from HKD 15 million (1.5 billion shares) to HKD 30 million (3 billion shares) as approved on September 28, 2023[47]. - The company issued a total of 191,890,000 new shares at a placement price of HKD 0.4 per share, raising approximately HKD 18 million on April 11, 2023[47]. - The company completed a debt capitalization agreement, issuing 103,650,000 shares at HKD 0.4 per share to settle HKD 41.46 million in notes, with net proceeds of approximately HKD 41.396 million after expenses[47]. - The company did not declare any dividends for 2025, consistent with 2024[26]. Employee and Operational Metrics - As of March 31, 2025, the group employed a total of 54 employees, an increase from 45 employees as of March 31, 2024[72]. - Total salary and related costs for the year ending March 31, 2025, amounted to approximately HKD 60.1 million, compared to HKD 45.6 million in 2024[72]. Compliance and Governance - The company has complied with the corporate governance code applicable to its operations as of March 31, 2025[95]. - The Audit Committee, established on July 25, 2018, consists of four independent non-executive directors and has reviewed the group's internal controls, risk management, and financial reporting for the fiscal year ending March 31, 2025[98]. - The auditors confirmed that the preliminary announcement aligns with the audited consolidated financial statements for the year ending March 31, 2025, but did not provide any opinion or verification conclusion[99]. Future Outlook and Plans - The company anticipates continued growth in its reverse supply chain management and environmental services, leveraging opportunities from proposed collaborations with European partners[52]. - The company plans to issue an additional 41,221,000 shares and 66,240,000 shares under various placements and incentive plans in the upcoming fiscal periods[47][48].

Financial Performance - The company's revenue for the year ended March 31, 2025, was HKD 470,308,000, a decrease of 45.6% compared to HKD 864,305,000 in 2024[4] - The gross loss for the year was HKD 4,025,000, compared to a gross profit of HKD 12,033,000 in the previous year[4] - The net loss for the year was HKD 46,098,000, an increase of 47.8% from a net loss of HKD 31,181,000 in 2024[5] - Basic and diluted loss per share was HKD 0.218, compared to HKD 0.146 in the previous year[5] - The reportable segment profit for the year ending March 31, 2025, shows a loss of HKD 4,571,000 compared to a profit of HKD 11,453,000 in the previous year[21] - The company reported a pre-tax loss of HKD 45,881,000 for 2025, compared to a loss of HKD 30,782,000 in 2024, reflecting an increase in losses of 49.0%[37] - The group recorded a net loss of approximately HKD 46,098,000 this year, an increase of about 48% from the previous year's loss of approximately HKD 31,181,000[52] Revenue Breakdown - Revenue from the procurement and sale of metal minerals and related industrial materials was HKD 366,084,000, down 50% from HKD 731,918,000 in 2024[12] - Revenue from the production and sale of industrial products was HKD 104,224,000, a decrease of 21.3% from HKD 132,387,000 in the previous year[12] - Revenue from customers in China (excluding Hong Kong) for 2025 is HKD 438,474,000, down from HKD 864,305,000 in 2024, representing a decrease of 49.3%[25] - Major customer A generated revenue of HKD 102,906,000 in 2025, a decrease of 22.1% from HKD 132,231,000 in 2024[26] - Revenue from metal minerals and related industrial raw materials decreased to HKD 366,084,000 from HKD 731,918,000, representing a decline of 50%[23] - Revenue from industrial products also decreased to HKD 104,224,000 from HKD 132,387,000, a decline of 21.3%[23] Assets and Liabilities - Total assets decreased to HKD 458,409,000 from HKD 495,865,000, reflecting a decline of 7.5%[7] - Total reportable segment assets as of March 31, 2025, are valued at HKD 503,733,000, down from HKD 552,410,000 in the previous year[21] - Total reportable segment liabilities are HKD 129,184,000 for the year ending March 31, 2025, slightly down from HKD 130,603,000 in the previous year[22] - Trade receivables decreased to HKD 115,498,000 from HKD 147,974,000, a decline of 22%[7] - Trade receivables as of 2025 amount to HKD 172,877,000, down from HKD 207,278,000 in 2024, a decrease of 16.6%[39] - Trade payables increased to HKD 88,479,000 in 2025 from HKD 74,145,000 in 2024, an increase of 19.3%[42] Cash Flow and Other Income - The company's cash and cash equivalents decreased to HKD 3,134,000 from HKD 6,503,000, a drop of 51.8%[7] - The company reported a net other income of HKD 995,000 for the year ending March 31, 2025, down from HKD 3,169,000 in the previous year[21] - Total other income for 2025 is HKD 995,000, down from HKD 3,169,000 in 2024, indicating a decline of 68.7%[27] - Other income decreased by approximately 69%, from about HKD 3,169,000 in the previous year to approximately HKD 995,000 this year[46] Expenses - Total employee benefits expenses, including director remuneration, increased to HKD 21,064,000 in 2025 from HKD 20,666,000 in 2024, an increase of 1.9%[31] - Employee costs, including director remuneration, increased to approximately HKD 23,368,000 from about HKD 20,962,000 in the previous year[60] - Administrative expenses rose by approximately 24%, from about HKD 13,620,000 in the previous year to approximately HKD 16,941,000 this year[47] - The company recorded an impairment loss of HKD 10,661,000 on property, plant, and equipment in 2025, with no such loss reported in 2024[32] Corporate Governance and Future Outlook - The company has adopted a corporate governance code to ensure effective leadership and separation of roles between the chairman and CEO[64] - The company’s governance policies and compliance with the corporate governance code will be reviewed periodically by the board[65] - The company’s financial reporting and internal control principles are maintained in collaboration with its auditors[67] - The company will publish its annual report on its website and the stock exchange for shareholders[69] - The company remains cautiously optimistic and is actively seeking opportunities to improve shareholder returns amid global economic slowdown[62] - The company anticipates a positive impact on its business performance due to a rebound in domestic steel demand and infrastructure recovery, despite ongoing geopolitical tensions and trade uncertainties[62] - The demand for manganese is expected to rise as it is increasingly used in new battery materials for electric vehicles, which have seen a continuous increase in sales[62] Dividends - The company has not declared or proposed any dividends for the year ending March 31, 2025, consistent with 2024[34] - The company will not declare a final dividend for the year ending March 31, 2025, consistent with the previous year[63] Audit and Compliance - The audit committee, composed of three independent non-executive directors, has reviewed the audited consolidated financial statements for the year ending March 31, 2025[67] - The company has not purchased, sold, or redeemed any of its listed securities during the year ending March 31, 2025[68] Acquisitions and Disposals - The group has no significant acquisitions or disposals during the reporting period[55] - The company acquired non-current segment assets worth HKD 14,094,000 during the year ending March 31, 2025, compared to HKD 6,410,000 in the previous year[22]

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佈之內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示概不會就因本公佈全部或任何 部分內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Karrie International Holdings Limited 嘉利國際控股有限公司 * （於百慕達註冊成立之有限公司） （股份代號：1050） 截至二零二五年三月三十一日止年度業績公佈 | 財務摘要 | | | | | --- | --- | --- | --- | | | 二零二五年 | 二零二四年 | 百分比變動 | | 收入 （千港元） | 3,231,329 | 2,915,981 | 11% | | 年度溢利 （千港元） | 204,481 | 169,659 | 21% | | 每股基本溢利 （港仙） | 10.1 | 8.4 | 20% | | 攤薄後每股溢利 （港仙） | 10.1 | 8.4 | 20% | | 每股中期股息 （港仙） | 2.5 | 1.5 | 67% | | 每股末期股息 （港仙） | 3.0 | 4.0 | -25% | | 全年每股股息合計 （港仙 ...

Financial Performance - For the fiscal year ending March 31, 2025, the group's revenue was approximately HKD 403.15 million, a decrease of about HKD 91.11 million or 18.4% compared to HKD 494.26 million for the fiscal year ending March 31, 2024[3]. - The company reported a profit attributable to equity holders of approximately HKD 10.6 million for the fiscal year ending March 31, 2025, reversing from a loss of HKD 12.6 million for the fiscal year ending March 31, 2024[3]. - Basic earnings per share for the fiscal year ending March 31, 2025, was HKD 0.0265, compared to a basic loss per share of HKD 0.0315 for the previous year[3]. - The group reported a net loss of HKD 10,590,000 for the year, with no potential dilutive ordinary shares issued[24]. - The group reported revenue of HKD 403.2 million for the fiscal year 2025, a decrease of 18.4% compared to HKD 494.3 million in fiscal year 2024[29]. - The group incurred income tax expenses of HKD 12,427,000 in 2025, compared to HKD 836,000 in 2024[21]. - The company expects to report a profit attributable to shareholders of approximately HKD 10.6 million in FY2025, compared to a loss of HKD 12.6 million in FY2024[47]. Assets and Liabilities - Total non-current assets decreased to HKD 156.29 million in 2025 from HKD 196.88 million in 2024[5]. - Current assets increased to HKD 314.99 million in 2025 from HKD 282.56 million in 2024, with cash and cash equivalents rising to HKD 182.32 million from HKD 119.83 million[5]. - Total current liabilities decreased to HKD 263.85 million in 2025 from HKD 277.98 million in 2024[5]. - The company's total assets less current liabilities increased to HKD 207.43 million in 2025 from HKD 201.47 million in 2024[5]. - The company reported a net cash position of HKD 51.14 million in 2025, compared to HKD 4.59 million in 2024[5]. - Non-current assets total HKD 168,997,000 in 2025, an increase from HKD 128,839,000 in 2024[15]. - Total non-current liabilities amount to HKD 59,866,000 in 2025, down from HKD 64,703,000 in 2024, indicating a decrease of 7.1%[6]. Revenue Breakdown - Revenue from treatment services was approximately HKD 350.3 million, accounting for 86.9% of total revenue, a decrease of about HKD 24.2 million or 6.5% due to a relatively weak economic environment[37]. - Revenue from skincare products dropped significantly to HKD 52,804,000 in 2025 from HKD 119,641,000 in 2024, representing a decline of 55.9%[17]. - Revenue from Hong Kong for 2025 is expected to be HKD 400,318,000, down 11.2% from HKD 450,819,000 in 2024[15]. Operational Efficiency - The company is focusing on improving operational efficiency and exploring new market opportunities to drive future growth[4]. - Operating profit before interest, tax, and depreciation increased to HKD 58.6 million, up 84.9% from HKD 31.7 million in the previous fiscal year[29]. - Operating expenses were reduced by 24.5% year-on-year, significantly lowering the expense-to-revenue ratio[30]. - Employee costs decreased by approximately HKD 42.2 million or 23.0% to about HKD 141.6 million in fiscal year 2025, mainly due to the optimization of operational structure and systems[41]. - Property rental and related expenses are expected to decrease from approximately HKD 67.9 million in FY2024 to HKD 54.2 million in FY2025, a reduction of about HKD 13.7 million or 20.2% due to network optimization and better lease terms negotiations[42]. - Other expenses are expected to decrease from approximately HKD 159.6 million in FY2024 to HKD 100.1 million in FY2025, a reduction of about HKD 59.5 million or 37.3%[44]. Market and Strategic Focus - The company operates primarily in the medical beauty and lifestyle beauty services sector, focusing on Hong Kong and mainland China markets[13]. - The market for medical beauty and lifestyle beauty in Hong Kong is expected to continue growing, driven by increasing consumer demand and technological advancements[28]. - The company is focusing on innovation in medical beauty services and expanding its diverse customer base in prime commercial areas of Hong Kong[29]. - The skincare retail segment faced challenges but implemented multi-faceted strategies to optimize product mix and enhance customer experience[30]. - Customer satisfaction continued to improve, with a growing customer base reflecting the company's commitment to service quality and customer experience[30]. Governance and Compliance - The company has adopted the corporate governance code and has complied with all applicable provisions as of March 31, 2025, except for specific deviations noted[59]. - The board believes that the current structure, with the same individual serving as both Chairperson and CEO, is in the best interest of the company, thus accepting the deviation from the corporate governance code[60]. - The audit committee, consisting of three independent non-executive directors, has reviewed the consolidated financial statements for the year ending March 31, 2025[63]. - The auditors confirmed that the financial figures in the preliminary announcement are consistent with the draft consolidated financial statements for the year ending March 31, 2025[64]. Other Financial Information - The provision for restoration costs increased to HKD 11,056,000 in 2025 from HKD 8,800,000 in 2024, representing a rise of 25.5%[6]. - Deferred tax liabilities decreased to HKD 2,754,000 in 2025 from HKD 4,395,000 in 2024, a reduction of 37.3%[6]. - The company had outstanding interest-bearing bank borrowings of approximately HKD 5.9 million as of March 31, 2025, down from HKD 12.5 million in FY2024[51]. - The company has no supplier financing arrangements, thus recent accounting standard amendments do not impact its financial statements[12]. - No significant events occurred after the reporting period[62].

Financial Performance - Revenue for the year ended March 31, 2025, was HKD 1,038,535,000, representing an increase of 10.9% compared to HKD 936,607,000 in 2024[3] - Gross profit decreased to HKD 130,181,000 from HKD 143,911,000, a decline of 9.6% year-over-year[3] - Net profit for the year was HKD 2,789,320,000, a significant increase from HKD 186,777,000 in the previous year, reflecting a growth of 1,394.5%[3] - The company reported a total comprehensive income of HKD 2,911,335,000, compared to HKD 39,561,000 in 2024, marking a substantial increase[4] - Basic earnings per share rose to HKD 300.0 from HKD 18.7, an increase of 1,502.7%[4] - The company recognized a gain of HKD 3,247,300,000 from the sale of an associate, contributing to the overall profit increase[3] - The company reported a significant increase in profit attributable to owners of approximately HKD 2,788,700,000, up from HKD 176,800,000 in the previous year, primarily due to non-recurring gains from the sale of its stake in Nantong Jianghai[45] Assets and Liabilities - Non-current assets increased to HKD 3,352,015,000 from HKD 1,527,408,000, a growth of 119.8%[5] - Cash and cash equivalents significantly increased to HKD 525,183,000 from HKD 152,867,000, representing a growth of 243.5%[5] - Total liabilities decreased from HKD 345,535,000 in 2024 to HKD 325,477,000 in 2025, a reduction of 5.9%[6] - Total assets of the group were approximately HKD 4,274.2 million as of March 31, 2025, with liabilities amounting to HKD 598.8 million and total equity of HKD 3,675.4 million[54] Revenue Segmentation - Revenue from display and other services increased to HKD 1,038,535 thousand in 2025, up from HKD 936,607 thousand in 2024, representing a growth of approximately 10.9%[15] - Total revenue from external customers in mainland China rose to HKD 259,274 thousand in 2025, compared to HKD 173,244 thousand in 2024, marking a growth of approximately 49.7%[16] - Sales revenue from LCDs, TFTs, and CTPs increased by 18.2%, 5.0%, and 10.0% to HKD 163,500,000, HKD 175,700,000, and HKD 289,300,000 respectively[36] Expenses and Losses - The segment loss for display and other services was HKD (1,492) thousand in 2025, a significant decline from a profit of HKD 54,956 thousand in 2024[15] - The company recorded a significant loss of HKD (128,756) thousand from fair value changes of financial assets in 2025, compared to a gain of HKD 174 thousand in 2024[15] - The company’s administrative expenses were HKD (11,356) thousand in 2025, slightly higher than HKD (10,813) thousand in 2024[15] Dividends and Shareholder Returns - The total dividend declared for the current year was HKD 1,726,780,000, compared to HKD 96,011,000 in the previous year, indicating a substantial increase[5] - The company paid a special dividend of HKD 1.80 per ordinary share in February 2025, compared to no special dividend in 2024[59] - The proposed final dividend for the year ending March 31, 2025, is HKD 0.05 per ordinary share, totaling HKD 46,665,000, pending shareholder approval[59] Strategic Focus and Market Position - The company plans to continue expanding its product offerings in LCDs and related services, focusing on innovation and market growth[8] - The company has maintained a strategic focus on innovation in display technology and expanding its product portfolio, particularly in large and medium-sized displays[30] - The company maintained a strategic focus on high-growth sectors such as engineering machinery and medical equipment to capitalize on upcoming market opportunities[37] - The group aims to strengthen its position in engineering machinery, medical equipment, and commercial electrical markets while exploring new markets in the industrial digital era[53] Investments and Partnerships - The group invested RMB 100 million (approximately HKD 107 million) in a private company in China for a 3.34% stake, focusing on high-end smart network chips[55] - The group also invested RMB 20 million (approximately HKD 21.5 million) in another private company for a 5.20% stake, which specializes in AI hardware and software[55] - The company has established partnerships with major clients in AI, including Tsinghua University and Fudan University, highlighting its commitment to supporting AI research and commercial applications[32] Governance and Compliance - The company has implemented measures to maintain high levels of corporate governance, adhering to the principles outlined in the corporate governance code[62] - The audit committee reviewed the accounting principles and practices adopted by the group, discussing audit, internal control, and financial reporting matters[64] - The company confirmed compliance with the securities trading standards code by all directors during the year[63] Miscellaneous - The company has a diversified customer base, with no single customer contributing over 10% of total revenue in either year[17] - The company has not adopted new accounting standards that are expected to impact future financial statements, specifically HKFRS 18, which will take effect on January 1, 2027[12] - The effective tax rate related to the core business increased to 15% from 13% in the previous year[44] - The group has no significant contingent liabilities or major asset pledges as of March 31, 2025[56]

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。 仍志集團控股有限公司 WISDOMCOME GROUP HOLDINGS LIMITED （於百慕達存續之有限公司） （股份代號：8079） 截至二零二五年三月三十一日止年度之年度業績公告 香 港 聯 合 交 易 所 有 限 公 司（「聯 交 所」）GEM的特點 GEM之定位，乃為相比起其他在聯交所上市之公司帶有較高投資風險之中小型 公司提供一個上市之市場。有意投資之人士應了解投資於該等公司之潛在風險， 並應經過審慎周詳之考慮後方作出投資決定。 鑒 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 的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。 本公告乃遵照聯交所GEM證 券 上 市 規 則（「GEM上市規則」）之 規 定 提 供 有 關 仍 志 集 團 控 股 有 限 公 司（「本公司」）之 資 料；本 公 司 各 董 事（「董 事」）就 本 ...

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佈之內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示概不會就本公佈全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 ( 以港元列示 ) | | 附註 | 二零二五年 | | 二零二四年 | | --- | --- | --- | --- | --- | | | | 千元 | | 千元 | | 收入 | 3, 4 | 177,852 | | 238,435 | | 銷售成本及直接成本 | | (60,388) | | (71,473) | | 毛利 | | 117,464 | | 166,962 | | 其他收益淨額 | | 9,537 | | 3,807 | | 分銷成本 | | (79,695) | | (118,558) | | 行政及其他經營費用 | | (46,865) | | (54,520) | | 經營溢利/(虧損) | | 441 | | (2,309) | | 投資物業估值虧損 | 5(b) | (17,450) | | - | | 無形資產之減值虧損 | 5(b) | (5,000) | | - | ...

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之內容概不 負 責，對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示，概 不 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之任何損失承擔任何責 任。 民生國際有限公司 （於 百 慕 達 註 冊 成 立 之 有 限 公 司） （股 份 代 號：938） 截 至2025年3月31日止財政年度之全年業績公告 民生國際有限公司（「本公司」）董事會（「董事會」）欣然公佈本公司及其附屬公司 （統 稱「本集團」）截 至2025年3月31日 止 年 度 之 綜 合 業 績。 – 1 – 綜合損益表 截 至2025年3月31日止年度 | | 2025年 2024年 | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 千港元 千港元 | | 註 | 附 | | | | | | | | | 收 入 | 138,047 126,710 | | | | | | | | | | ...

Financial Performance - For the fiscal year ending March 31, 2025, the company reported net interest income of HKD 140,570,000, a slight increase from HKD 140,019,000 in the previous year[3]. - Total comprehensive income attributable to owners of the company for the year was HKD 46,173,000, compared to HKD 42,693,000 in 2024, representing an increase of approximately 10.3%[3]. - Basic and diluted earnings per share increased to HKD 11.1 from HKD 10.3, reflecting a growth of 7.8% year-over-year[3]. - Operating profit rose to HKD 57,040,000 from HKD 52,529,000, an increase of about 8.6%[3]. - The group’s net profit attributable to shareholders increased by 8.2% to HKD 46,200,000, compared to HKD 42,700,000 in the previous year[51]. Assets and Liabilities - The company’s total assets decreased to HKD 1,020,942,000 from HKD 1,134,998,000, indicating a decline of approximately 10%[4]. - The company’s total liabilities decreased significantly to HKD 168,941,000 from HKD 318,380,000, a reduction of approximately 47%[4]. - Total assets for the mortgage segment were HKD 648,610, and for the unsecured segment, they were HKD 203,320, resulting in total segment assets of HKD 1,020,942[16]. - As of March 31, 2025, the group's total assets amounted to HKD 852,000,000, up from HKD 816,600,000 in the previous year[52]. - Total assets pledged as collateral for bank loans amounted to HKD 387,700,000 in 2025, down from HKD 426,000,000 in 2024[60]. Cash Flow and Liquidity - Cash and cash equivalents increased to HKD 33,486,000 from HKD 28,376,000, marking an increase of about 18%[4]. - Cash and cash equivalents increased to HKD 33,500,000 from HKD 28,400,000 in the previous year[52]. - The group utilized HKD 32,129,000 of bank loans and overdrafts as of March 31, 2025, compared to HKD 210,339,000 in 2024, indicating a significant reduction in usage[33]. Loans and Interest - The company reported a decrease in loans and interest receivable to HKD 781,486,000 from HKD 894,018,000, a reduction of approximately 12.6%[4]. - Interest income for the year reached HKD 156,300,000, a decrease of 1.6% from HKD 158,900,000 in the previous year[41]. - Mortgage loans accounted for approximately 67.3% of total revenue, with interest income from mortgage loans increasing by 0.8% to HKD 105,200,000[42]. - Interest income from unsecured owner loans decreased by 6.2% to HKD 51,100,000, representing about 32.7% of total revenue[42]. - The aging analysis of receivables shows that overdue amounts over 90 days decreased to HKD 134,582,000 in 2025 from HKD 189,027,000 in 2024, a reduction of about 28.9%[31]. Expenses and Impairments - Total operating expenses increased to HKD 67,577 in 2025 from HKD 66,455 in 2024, with significant costs in employee benefits and depreciation[20]. - The company reported a total impairment loss on loans and interest of HKD 10,245 for the year ended March 31, 2025, compared to HKD 17,421 for the previous year[19]. - The group recorded a net impairment loss on receivables of HKD 12,500,000, a decrease of 30.6% from HKD 18,000,000 in the previous year[48]. Dividends and Shareholder Information - The company maintained a consistent dividend payout of HKD 10,790,000 for both years[3]. - The total declared and paid dividends for the year is HKD 10,790,000, consistent with the previous year, maintaining a dividend per share of HKD 1.3[27][28]. - The company proposed a final dividend of HKD 0.013 per share for the fiscal year ending March 31, 2025, subject to shareholder approval at the annual general meeting[72]. - The annual general meeting is scheduled for September 3, 2025, to discuss various corporate matters[71]. Operational Strategy and Outlook - The company is primarily engaged in providing mortgage loans secured by properties and unsecured personal loans in Hong Kong[5]. - The company has not conducted any inter-segment sales between its operating segments for the years ended March 31, 2025, and 2024[14]. - The company maintained a prudent strategy in operations, implementing strict credit policies to ensure loan portfolio quality[41]. - The outlook indicates significant uncertainty due to geopolitical risks and high interest rates affecting the lending business[64]. - The company plans to diversify its loan portfolio and strengthen credit policies to manage risks effectively[65]. Ratios and Performance Metrics - Debt ratio improved to 0.14 in 2025 from 0.34 in 2024[54]. - Return on equity rose to 5.4% in 2025 compared to 5.2% in 2024[54]. - Interest coverage ratio improved to 4.9 times in 2025 from 4.0 times in 2024[54]. - The net interest margin for the lending business remained stable at 16.1%, compared to 16.0% in the previous year[50]. - Net interest margin increased to 16.1% in 2025 from 16.0% in 2024[54].