Economic Environment - The company reported a challenging global economic environment in 2024, with ongoing geopolitical tensions and supply chain disruptions impacting recovery efforts[8]. - The company reported a decline in consumer confidence in China, influenced by the ongoing real estate debt crisis and the depreciation of the Renminbi against the US dollar[8]. - The company anticipates that the global economy in 2025 will be influenced by geopolitical tensions, trade relations, inflation, and rapid digital transformation[9]. Operational Strategy - The company aims to enhance operational efficiency by focusing on cost reduction and budget management, which is expected to improve profitability[9]. - The company plans to integrate artificial intelligence technology into its operations to adapt to the rapidly changing business environment and improve customer service[10]. - The company plans to leverage artificial intelligence and big data analytics to enhance service offerings and improve operational efficiency in response to market changes[20]. - The company is committed to strengthening post-loan management and optimizing collateral portfolios to enhance capital strength and risk management capabilities[9]. - The company emphasizes the importance of maintaining compliance and enhancing internal controls to manage risks effectively[9]. Financial Performance - Total revenue for the year ended December 31, 2024, was approximately HKD 18,863,000, a decrease of about HKD 17,370,000 compared to HKD 36,233,000 in 2023, primarily due to reduced interest income from short-term financing services in China[14]. - The expected credit loss provision for customer loans increased to approximately HKD 5,257,000, up about HKD 2,650,000 from HKD 2,607,000 in 2023, attributed to challenging market conditions in the short-term financing service sector in China[15]. - Administrative and other expenses decreased from approximately HKD 29,302,000 in 2023 to about HKD 23,172,000 in 2024, reflecting effective cost control measures implemented by the company[15]. - Financial costs decreased by approximately HKD 7,343,000 to about HKD 8,148,000 in 2024, down from HKD 15,491,000 in 2023, mainly due to the redemption of convertible bonds[16]. - The company recorded a pre-tax profit of approximately HKD 5,015,000 from short-term financing services, down from HKD 21,056,000 in 2023, primarily due to the significant revenue decline[19]. Debt and Cash Management - As of December 31, 2024, the company's debt-to-equity ratio was approximately 1.9, down from 2.2 in 2023, indicating improved financial stability[21]. - Cash and cash equivalents amounted to approximately HKD 72,243,000 as of December 31, 2024, down from HKD 93,183,000 in 2023, reflecting the need for ongoing cash flow management[21]. - The company anticipates utilizing internal cash flow and external fundraising activities to meet future cash flow requirements[21]. - The company issued new promissory notes amounting to HKD 13,650,000 to repay the outstanding principal of HKD 13,000,000 and a redemption premium of HKD 650,000 for the convertible bonds maturing on December 24, 2023[25]. - The company raised approximately HKD 7,800,000 from the placement of 15,640,000 shares at a price of HKD 0.5 per share, with a net amount of approximately HKD 7,500,000 after expenses[31]. Environmental and Social Responsibility - The company is committed to environmental and social responsibilities as part of its strategy to create value for stakeholders[48]. - The company aims to reduce greenhouse gas emissions and improve waste management as part of its environmental goals[49]. - The company has established a dedicated ESG working group to enhance transparency and accountability in its environmental, social, and governance practices[50]. - Stakeholder engagement is crucial for the company to identify significant ESG issues and set actionable goals[51]. - The company emphasizes compliance with environmental and social laws and regulations as part of its operational strategy[52]. Employee Management - The total number of employees as of December 31, 2024, is 39, unchanged from 2023[89]. - The employee turnover rate for 2024 is 15%, a significant decrease from 54% in 2023[96]. - The company has established employment policies that include equal opportunities and anti-discrimination measures, ensuring a fair workplace environment[86]. - The company provides competitive compensation and regularly reviews it to align with the job market[87]. - The company has implemented internal policies for employee training and development to enhance skills and knowledge[109]. Corporate Governance - The board of directors believes that sound corporate governance practices are essential for the company's sustainable development and the protection of stakeholder interests[140]. - The company has complied with all provisions of the corporate governance code as outlined in the GEM Listing Rules Appendix C1 during the fiscal year ending December 31, 2024[140]. - The board consists of six directors, including three executive directors and three independent non-executive directors[142]. - The company has established mechanisms to ensure the board can obtain independent opinions, enhancing its independence and effectiveness[151]. - The company is committed to providing transparent and timely financial information to stakeholders in accordance with GEM listing rules[185].

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，並明確表示概不就因本公佈全部或任何部分內容而產生或因 依賴該等內容而引致之任何損失承擔任何責任。 Capital Finance Holdings Limited 首都金融控股有限公司 （股份代號：8239） （於開曼群島註冊成立及於百慕達存續之有限公司） 全年業績公佈 截至二零二四年十二月三十一日止年度 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市場。有意 投資之人士應瞭解投資於該等公司之潛在風險，並僅應經過審慎周詳之考慮後方作出投資決 定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受 較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 本公佈乃遵照聯交所GEM證券上巿規則（「GEM上巿規則」）之規定提供有關首都金融控股有 限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全責。董事經作出一切合 理查詢後確認，就彼等所深知及確信：(1)本公佈所載 ...

Capital Finance Holdings Limited 首都金融控股有限公司 (於開曼群島註开成立並於百慕連在擴之有限公司) (設份代號：B230) 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於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。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承 受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本報告全部或任何部分內容而產生或因依賴該等內 容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「 GEM上市規則」）之規定提供有關首都金融控 股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全責。董事經作 出一切合理查詢後確認，就彼等所深知及確信，本報告所載資料在各重大方面均屬準確完 整，且無誤導或欺詐成分， ...

香港交易及結算所有限公司以及聯交所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，並明確表示概不就因本公佈全部或任何部分內容而產生或因依賴該等內容而 引致之任何損失承擔任何責任。 1 Capital Finance Holdings Limited 首都金融控股有限公司 （股份代號：8239） （於開曼群島註冊成立及於百慕達存續之有限公司） 中期業績公佈 截至二零二四年六月三十日止六個月 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於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。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受 較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 本公佈乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金融控股有 限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全責。董事經作出一切合 理查詢後確認，就彼等所深知及確信，本公佈所載資 ...

年報 2 0 2 3 Annual Report 2 0 2 3 Annual Report 年報 2023 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市場。有意投資之人士應瞭解投資 於該等公司之潛在風險，並僅應經過審慎周詳之考慮後方作出投資決定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受較大之市場波動風險， 同時無法保證在GEM買賣之證券會有高流通量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確 表示概不就因本報告全部或任何部分內容而產生或因依賴該等內容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「GEM上市規則」）之規定提供有關首都金融控股有限公司（「本公司」）之資 料。本公司董事（「董事」）願共同及個別對此負全責。董事經作出一切合理查詢後確認，就彼等所深知及確信，本報告 所載資料在各重大方面均屬準確完整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實，致使本報告所載任何 聲明產生誤導。 1 首都金 ...

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，並明確表示概不就因本公佈全部或任何部分內容而產生或因 依賴該等內容而引致之任何損失承擔任何責任。 Capital Finance Holdings Limited 首都金融控股有限公司 （股份代號：8239） （於開曼群島註冊成立及於百慕達存續之有限公司） 全年業績公佈 截至二零二三年十二月三十一日止年度 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM乃為較聯交所上市之其他公司可能帶有較高投資風險之中小型公司而設之市場。有意 投資之人士應瞭解投資於該等公司之潛在風險，並僅應經過審慎周詳之考慮後方作出投資決 定。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承受 較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 本公佈乃遵照聯交所GEM證券上巿規則（「GEM上巿規則」）之規定提供有關首都金融控股有 限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全責。董事經作出一切合 理查詢後確認，就彼等所深知及確信：(1)本公佈所載 ...

Financial Performance - For the three months ended September 30, 2023, the company reported total revenue of HKD 4,200,000, a decrease of 37% compared to HKD 6,657,000 for the same period in 2022[4] - The net loss for the three months ended September 30, 2023, was HKD 5,662,000, compared to a profit of HKD 22,421,000 in the same period last year[5] - For the nine months ended September 30, 2023, total revenue was HKD 25,666,000, down 18% from HKD 31,215,000 in the prior year[4] - The total comprehensive loss for the three months ended September 30, 2023, was HKD 6,882,000, compared to a comprehensive income of HKD 4,065,000 in the same period last year[5] - The company reported a loss of HKD 7,030,000 for the period, contributing to a total comprehensive expense of HKD 35,312,000[9] - The company recorded a loss attributable to shareholders of approximately HKD 2,473,000 for the nine months ended September 30, 2023, a decrease from HKD 7,030,000 in the same period last year[42] Revenue and Income - For the three months ended September 30, 2023, customer loan interest income was HKD 4,200,000, a decrease of 36.7% from HKD 6,630,000 in the same period of 2022[21] - For the nine months ended September 30, 2023, customer loan interest income increased by 19.4% to HKD 25,666,000 from HKD 21,451,000 in the same period of 2022[21] - The total revenue for the three months ended September 30, 2023, was HKD 4,200,000, down from HKD 6,657,000 in the same period of 2022, reflecting a decline of 37.0%[21] - The total revenue for the nine months ended September 30, 2023, was HKD 25,666,000, compared to HKD 31,215,000 in the same period of 2022, representing a decrease of 17.8%[21] Expenses and Costs - The company recorded a financial cost of HKD 3,571,000 for the three months ended September 30, 2023, compared to HKD 5,714,000 in the same period of 2022, reflecting a decrease of 37%[4] - The company reported a significant increase in administrative and other expenses, totaling HKD 5,448,000 for the three months ended September 30, 2023, compared to HKD 6,848,000 in the same period of 2022[4] - Employee costs (excluding directors' remuneration) for the nine months ended September 30, 2023, were HKD 9,508,000, down 12.6% from HKD 10,880,000 in the same period of 2022[29] - The actual interest expenses for convertible bonds for the three months ended September 30, 2023, were HKD 3,536,000, a decrease of 37.5% compared to HKD 5,666,000 in the same period of 2022[28] - The actual interest expenses for lease liabilities for the nine months ended September 30, 2023, were HKD 120,000, a decrease from HKD 151,000 in the same period of 2022[28] Equity and Liabilities - The company’s total equity attributable to owners as of September 30, 2023, was HKD 56,393,000, a decrease from HKD 60,250,000 at the beginning of the year[7] - The group’s total liabilities related to bonds and convertible bonds were approximately HKD 288,598,000 as of the reporting date[27] - The company’s accumulated losses reached HKD 1,094,230,000, indicating ongoing challenges in profitability[9] Strategic Focus and Future Outlook - The company has indicated a focus on improving operational efficiency and exploring new market opportunities in the upcoming quarters[4] - The company anticipates a challenging global economic environment due to ongoing inflation and geopolitical tensions, particularly in relation to the US-China political situation[43] - The company plans to maintain market competitiveness and seek long-term business development and profit growth opportunities, focusing on diversifying revenue sources[43] Share Capital and Securities - The company completed a share capital reorganization on February 23, 2023, reducing the par value of shares from HKD 1.0 to HKD 0.01, which aims to provide greater flexibility for future fundraising activities[48] - The company raised approximately HKD 4,200,000 from the placement of 10,110,000 shares at HKD 0.42 per share, with net proceeds of about HKD 4,100,000 after expenses[51] - As of September 30, 2023, the company has a total of 78,201,461 shares issued, with key shareholders holding significant stakes, including Mr. Meng Chang Le with 16.62% (13,000,000 shares) and Mr. Zhang Wei with 8.01% (6,268,896 shares)[55] Compliance and Governance - The audit committee reviewed the unaudited condensed consolidated financial statements, confirming compliance with applicable accounting standards and sufficient disclosure[64] - The company has adopted a code of conduct for directors' securities transactions, ensuring compliance with GEM listing rules[61] - The company has not engaged in any arrangements allowing directors or executives to benefit from purchasing shares or debt securities during the reporting period[57]

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，並明確表示概不就因本公佈全部或任何部分內容而產生或因 依賴該等內容而引致之任何損失承擔任何責任。 Capital Finance Holdings Limited 首都金融控股有限公司 （於開曼群島註冊成立及於百慕達存續之有限公司） 8239 （ 股份代號： ） 第三季業績公佈 截至二零二三年九月三十日止九個月 GEM 香港聯合交易所有限公司（「聯交所」） 之特色 GEM 之定位，乃為相比起其他於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。 GEM GEM 由於在 上市之公司通常為中小型公司，在 買賣之證券可能會較於主板買賣之證券 GEM 承受較大之市場波動風險，同時無法保證在 買賣之證券會有高流通量之市場。 GEM GEM 本公佈乃遵照聯交所 證券上市規則（「 上市規則」）之規定提供有關首都金融控股有 ...

Interim Report 2023 香港聯合交易所有限公司（「聯交所」）GEM之特色 GEM之定位，乃為相比起其他於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。 由於GEM上市公司一般為中小型公司，在GEM買賣之證券可能會較於主板買賣之證券承 受較大之市場波動風險，同時無法保證在GEM買賣之證券會有高流通量之市場。 香港交易及結算所有限公司以及聯交所對本報告之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本報告全部或任何部分內容而產生或因依賴該等內 容而引致之任何損失承擔任何責任。 本報告乃遵照聯交所GEM證券上市規則（「 GEM上市規則」）之規定提供有關首都金融控 股有限公司（「本公司」）之資料。本公司董事（「董事」）願共同及個別對此負全責。董事經作 出一切合理查詢後確認，就彼等所深知及確信，本報告所載資料在各重大方面均屬準確完 整，且無誤導或欺詐成分，本報告亦無遺漏任何其他事實，致使本報告所載任何聲明或本 報告產生誤導。 1 首都金融控股有限公司 中期報告 2023 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，並明確表示概不就因本公佈全部或任何部分內容而產生或因 依賴該等內容而引致的任何損失承擔任何責任。 Capital Finance Holdings Limited 首都金融控股有限公司 （於開曼群島註冊成立及於百慕達存續之有限公司） 8239 （ 股份代號： ） 中期業績公佈 截至二零二三年六月三十日止六個月 GEM 香港聯合交易所有限公司（「聯交所」） 之特色 GEM 之定位，乃為相比起其他於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。 GEM GEM 由於 上市公司一般為中小型公司，在 買賣之證券可能會較於主板買賣之證券承受 GEM 較大之市場波動風險，同時無法保證在 買賣之證券會有高流通量之市場。 GEM GEM ...