金邦达宝嘉中期报告2025

2025INTERIM REPORT中期報告 Contents 2Corporate Information4Performance Highlights5Management Discussion and Analysis16Directors17Corporate Governance and Other Information24Report on Review of Interim Financial Information26Condensed Consolidated Statement of Profit or Loss andOther Comprehensive Income27Condensed Consolidated Statement of Financial Position29Condensed Consolidated Statement of Changes in Equity31Condensed Consolidated Statement of Cash Flows32Notes to the Condensed Consolidated Financial Information Corporate Information企業資料 PLACE OF LISTING The Stock Exchange of Hong Kong Limited (the “Stock Exchange”) STOCK CODE3315 3315 EXECUTIVE DIRECTORS Mr. LU Run Ting(Chairman)Mr. HOU Ping(resigned on 22 May 2025)Mr. LU Runyi(retired on 22 May 2025)Mr. WU Siqiang(resigned on 22 May 2025)Mr. LU Wai LimMs. LI Yijin(resigned on 22 May 2025)Mr. LI Yingjie(appointed on 22 May 2025)Ms. YOU Xueqin(appointed on 22 May 2025) 20255 2220255 2220255 2220255 2220255 2220255 22 INDEPENDENT NON-EXECUTIVE DIRECTORSMs. YE Lu(resigned on 22 May 2025) Mr. LAI Tung KwokMr. JIANG LiMr. TANG Guolin(appointed on 22 May 2025) 20255 2220255 22 AUDIT COMMITTEE Mr. JIANG Li(Chairman)Ms. YE Lu(resigned on 22 May 2025)Mr. LAI Tung KwokMr. TANG Guolin(appointed on 22 May 2025) 20255 2220255 22 REMUNERATION COMMITTEE Ms. YE Lu(Chairman) (resigned on 22 May 2025)Mr. TANG Guolin(Chairman) (appointed on 22 May 2025)Mr. LU Run TingMr. JIANG Li 202552220255 22 NOMINATION COMMITTEE Mr. LU Run Ting(Chairman)Mr. HOU Ping(resigned on 22 May 2025)Ms. YE Lu(resigned on 22 May 2025)Mr. LAI Tung KwokMr. JIANG LiMr. TANG Guolin(appointed on 22 May 2025)Ms. YOU Xueqin(appointed on 22 May 2025) 20255 2220255 2220255 2220255 22 LEGAL ADVISOR Johnson Stokes & Master16th–18th Floors, Prince’s Building10 Chater RoadCentralHong Kong 1016–18 AUDITOR 22 PricewaterhouseCoopersCertified Public AccountantsRegistered Public Interest Entity Auditor22nd Floor, Prince’s BuildingCentralHong Kong COMPANY SECRETARYMs. HUANG Minjie AUTHORISED REPRESENTATIVESMr. LU Run TingMs. HUANG Minjie PRINCIPAL BANKERS Bank of China (Hong Kong) LimitedNanyang Commercial Bank LimitedBank of China LimitedIndustrial and Commercial Bank of China LimitedThe Agricultural Bank of China LimitedBank of Communications Co., Ltd.Postal Savings Bank of China REGISTERED OFFICE, HEADQUARTERSAND PRINCIPAL PLACE OF BUSINESSIN HONG KONG 56131301 Room 1301, 13th FloorBank of East Asia Harbour View CentreNo. 56 Gloucester Road, Wanchai, Hong Kong 1617 HONG KONG SHARE REGISTRAR ANDTRANSFER OFFICE Tricor Investor Services Limited17th Floor, Far East Finance Centre16 Harcourt Road, Hong Kong www.goldpac.com COMPANY WEBSITEwww.goldpac.com goldpac@goldpac.com INVESTOR RELATIONEmail: goldpac@goldpac.com Performance Highlights業績聚焦 REVENUE OF EMBEDDEDSOFTWARE AND SECURE PAYMENTPRODUCTS SEGMENT Management Discussion and Analysis管理層討論及分析 Growth with Resilience Breakthroughs with Innovation In the first half of 2025, the global political and economic environmentsbecame more complicated, nonetheless, the Group remained steadfastin its conviction and made steady progress in its transformation andupgrading. 2025 In the first half of the year, China accelerated the construction of thenew development paradigm. The economy was overall stable, but stillfaced weak resident consumption and insufficient effective demand.The government has included the in-depth implementation of boostingconsumption, fostering new growth points in service consumption, andexpanding consumer demand in safeguarding and improving people’slivelihood as important objectives for the second half of the year.The Group’s customer segment, banks, has also entered a key stageof transformation, facing challenges of cautious and conservativecredit-based spending, intense competition for existing customers,and the impact of emotional economy, etc. As an important partner ofmany banks for over 30 years, the Group is fully aware that it is thebest way to overcome difficulties by fully implementing the digital andplatform-based strategy and proactively establishing collaborationwith banks. In the first half of 2025, the Group fully advanced the UMV platform,realising intelligence and visualisation of service and operationalprocesses, and facilitating banks in their internal compliancemanagement and marketing innovation towards end users. Thisprovided new insights and models for banks’ business transformation,and also contributed to the Group’s business development. From thelate 2024 to early 2025, the Group organised “Accomplishing BankDigital Transformation through Fintech Outsourcing Workshop” forseveral times, and held discussions on efficiency improvement andmodels innovation through digital platforms. The workshops werehighly recognised and well-received by bank customers. This successwas an encouragement for the Group and bank customers to continuepursuing mutually beneficial strategies for the prosp