闽信集团2024中期报告

2024INTERIM REPORT Pages Corporate Information Chairman’s Statement Corporate Governance and Other Information19 Condensed Consolidated Income Statement28 Condensed Consolidated Statement ofComprehensive Income29 Condensed Consolidated Statement ofFinancial Position30 Condensed Consolidated Statement ofChanges in Equity 32 Condensed Consolidated Statement ofCash Flows 33 Notes to the Condensed ConsolidatedInterim Financial Statements35 公司資料CORPORATE INFORMATION BOARD OF DIRECTORS Executive Directors 202432920243292024619 WANG Fei(Chairman)HUANG Wensheng(Vice Chairman and General Manager,appointed as the General Manageron 29 March 2024)CHEN Yu(Resigned as the General Manageron 29 March 2024 andresigned as an Executive Directoron 19 June 2024) Non-executive Directors 202461920246192024619 HON Hau ChitZHOU Tianxing(Appointed on 19 June 2024)YOU Li(Appointed on 19 June 2024)YANG Jingchao(Resigned on 19 June 2024) Independent Non-executive Directors IP Kai MingCHEUNG Man HoiLEUNG Chong Shun AUDIT COMMITTEE CHEUNG Man Hoi(Chairman)IP Kai MingLEUNG Chong Shun REMUNERATION COMMITTEE 20243292024329 IP Kai Ming(Chairman)CHEUNG Man HoiLEUNG Chong ShunHUANG Wensheng(Appointed on 29 March 2024)CHAN Kwong YuCHEN Yu(Resigned on 29 March 2024) NOMINATION COMMITTEE WANG FeiIP Kai MingCHEUNG Man HoiLEUNG Chong Shun (Chairman) AUTHORISED REPRESENTATIVE WANG FeiTSE Ching WahIP Kai Ming(Alternate to WANG Fei) COMPANY SECRETARY TSE Ching Wah AUDITOR • Deloitte Touche Tohmatsu(Public Interest Entity Auditor registered in accordancewith the Accounting and Financial ReportingCouncil Ordinance) LEGAL ADVISOR Deacons PRINCIPAL BANKERS Xiamen International Bank Co., Ltd.Luso International Banking LimitedChiyu Banking Corporation LimitedChina Merchants Bank Co., Ltd.China Construction Bank (Asia) Corporation LimitedChina Citic Bank International LimitedBank of China (Hong Kong) LimitedPing An Bank Co., Ltd.Industrial Bank Co., Ltd. SHARE REGISTRAR 1617 Tricor Standard Limited17th Floor, Far East Finance Centre16 Harcourt RoadHong Kong REGISTERED OFFICE 817(852) 2521 5671(852) 2530 5488www.minxin.com.hkmxhl.enquiry@minxin.com.hk 17th Floor, Fairmont House8 Cotton Tree DriveCentral, Hong KongTel:(852) 2521 5671Fax:(852) 2530 5488Website:www.minxin.com.hkEmail:mxhl.enquiry@minxin.com.hk SHARE LISTING 222 Main Board of The Stock Exchange of Hong Kong LimitedStock Code: 222 主席報告書CHAIRMAN’S STATEMENT 2024 I am pleased to announce the unaudited interim results ofthe Group for the first half of 2024. 2024 In the first half of 2024, the global economy experienced agradual recovery despite a challenging operating environmentcaused by geopolitical uncertainties and high interest andinflation rates. With proactive and prudent businessdevelopment and diversification approach, we are optimisticabout the future. OUR PERFORMANCE During the period under review, our results were impacted bythe higher interest rate environment and conservativecorporate activity. We conducted our business prudently tominimise operational risks and seized the new opportunitiesfor business diversification proactively while adapted andresponded to uncertainty of changes in the externalenvironment. 20246303,329202371.2%202420232,1935.57 For the six months ended 30 June 2024, the Group recordedan unaudited profit attributable to shareholders of theCompany (the “Shareholders”) of HK$33.29 million, decreasedby 71.2% when compared to the corresponding period in2023, mainly due to the decrease in share of results of XiamenInternational Bank Co., Ltd. (“XIB”) in first half of 2024 ascompared to the same period in 2023 and the one-offexchange loss of approximately HK$21.93 million arising fromthe reduction of paid-in capital of Sanming Sanyuan DistrictMinxin Micro Credit Company Limited (“Sanyuan MicroCredit”). Basic earnings per share was 5.57 HK cents. OUR PERFORMANCE (Continued) 2024712202392024618 The Directors continue to pay attention to Shareholders’demands and strive to improve Shareholders’ returns. TheDirectors recommended the payment of the final dividend for2023 of 9 HK cents per share on 12 July 2024 and passed bythe Shareholders at the annual general meeting of theCompany held on 18 June 2024, which brought satisfactoryreturns to the Shareholders. 202463091.82023 Total assets of the Group recorded HK$9.18 billion at 30 June2024, same as the end of 2023. 2024218.2%20247,266202314,53050% XIB (together with its subsidiaries, Chiyu Banking CorporationLimited (“CYB”) and Luso International Banking Ltd. (“LIB”),are collectively referred to as “XIB Group”) is the mostsignificant financial investment of the Group and hascontributed about 218.2% of the results of the Group in thefirst half of 2024. The Group’s share of profit after tax of XIBGroup was HK$72.66 million in the first half of 2024, adecrease of 50% as compared to HK$145.3 million in thecorresponding period of 2023. 202463011,412.8202311,204.21.9% X