闽信集团：2025年中期报告

2025INTERIM REPORT中期報告 Pages Corporate Governance and Other Information19 Condensed Consolidated Income Statement27 Condensed Consolidated Statement ofComprehensive Income28 Condensed Consolidated Statement ofFinancial Position29 Condensed Consolidated Statement ofChanges in Equity 31 Condensed Consolidated Statement ofCash Flows 32 Notes to the Condensed ConsolidatedInterim Financial Statements34 公司資料CORPORATE INFORMATION BOARD OF DIRECTORS Executive Directors WANG Fei(Chairman)HUANG Wensheng(Vice Chairman and General Manager) Non-executive Directors HON Hau ChitZHOU TianxingYOU Li Independent Non-executive Directors IP Kai MingCHEUNG Man HoiLEUNG Chong Shun AUDIT COMMITTEE CHEUNG Man Hoi(Chairman)IP Kai MingLEUNG Chong Shun REMUNERATION COMMITTEE IP Kai MingCHEUNG Man HoiLEUNG Chong ShunHUANG WenshengCHAN Kwong Yu NOMINATION COMMITTEE 2025327 WANG Fei(Chairman)IP Kai MingCHEUNG Man HoiLEUNG Chong ShunYOU Li(Appointed on 27 March 2025) AUTHORISED REPRESENTATIVE WANG FeiTSE Ching WahIP Kai Ming(Alternate to WANG Fei) 公司資料CORPORATE INFORMATION 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 Construction Bank (Asia) Corporation LimitedChina Citic Bank International LimitedBank of China (Hong Kong) LimitedPing An Bank Co., Ltd.Industrial Bank Co., Ltd.Agricultural Bank of China Limited SHARE REGISTRAR 1617 Tricor Investor Services 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 2025 I am pleased to announce the unaudited interim results ofthe Group for the first half of 2025. 2025 The first half of 2025 was marked by ongoing globale c o n o m i c v o l a t i l i t y , g e o p o l i t i c a l t e n s i o n s a n d t r a d ecomplexities continued to weigh on markets. Despite thechallenging and uncertain macro environment, the Groupremained resilient and focused on key strategic actions todevelop business prudently and diversify its income sourcesin pursuit of performance growth. OUR PERFORMANCE During the period under review, we conducted our businessp r u d e n t l y t o m i n i m i s e o p e r a t i o n a l r i s k s , s e i z e d n e wopportunities while adapted to and responded to theuncertainty of changes in the external environment andenhanced our core competitiveness continuously. 20256306,487202494.9%20242,193202563010.86 The Group achieved an encouraging results during the periodunder review. The Group recorded a profit attributable toshareholders of the Company (the “Shareholders”) ofHK$64.87 million for the six months ended 30 June 2025,increased by 94.9% when compared to the correspondingperiod in 2024, mainly due to the exchange gains recordedfor the appreciation of Renminbi against Hong Kong dollarsduring the period under review and the recognition of one-off exchange loss of approximately HK$21.93 million arisingfrom the reduction of paid-in capital of Sanming SanyuanDistrict Minxin Micro Credit Company Limited (“SanyuanMicro Credit”) in the corresponding period in 2024. TheGroup has not recognised any one-off exchange loss for thereduction of paid-in capital of Sanyuan Micro Credit for thesix months ended 30 June 2025. Basic earnings per share was10.86 HK cents. 202563093.4202489.24.7% Total assets of the Group recorded an increase of 4.7% toHK$9.34 billion at 30 June 2025 as compared to HK$8.92billion at the end of 2024. 202597%20256,29220247,26613.4% Xiamen International Bank Co., Ltd. (“XIB”, together with itssubsidiaries, Chiyu Banking Corporation Limited (“CYB”) andLuso International Banking Ltd. (“LIB”), are collectivelyreferred to as “XIB Group”) is the most significant financialinvestment of the Group and has contributed about 97% ofthe results of the Group in the first half of 2025. The Group’sshare of profit after tax of XIB Group was HK$62.92 million inthe first half of 2025, a decrease of 13.4% as compared toHK$72.66 million in the corresponding period of 2024. 主席報告書CHAIRMAN’S STATEMENT OUR PERFORMANCE (Continued) 202563011,525.3202411,410.71% XIB Group achieved a steady growth in its balance sheet.Total assets of XIB Group recorded an increase of 1% toRMB1,152.53 billion at 30 June 2025 as compar e d t oRMB1,141.07 billion at the end of 2024. 202563071.1%202563013.7680.9% The total assets of our banking business accounted for 71.1%of the Group’s total assets at