瀚华金控2024中期报告

INTERIM REPORT中期報告2024 2Corporate Information6Financial Highlights7Management Discussion and Analysis7Business and Financial Review28Prospects30Other Information39Consolidated Statement of Profit or Lossunaudited40Consolidated Statement of Profit or Loss and OtherComprehensive Incomeunaudited41Consolidated Statement of Financial Positionunaudited43Consolidated Statement of Changes in Equityunaudited46Condensed Consolidated Cash Flow Statementunaudited48Notes to the Unaudited Interim Financial Report CONTENTS目 錄 Corporate Information EXECUTIVE DIRECTORS Mr. Zhang Jun (Chairman)Mr. Zhang GuoxiangMr. Cui Weilan NON-EXECUTIVE DIRECTORS Ms. Liu JiaoyangMs. Liu TingrongMs. Wang FangfeiMr. Feng YongxiangMr. Liu Bolin INDEPENDENT NON-EXECUTIVE DIRECTORS 20245292024529 Mr. Li WeiMr. Hu YuntongMr. Xu HongcaiMr. Wu Qing (Elected on 29 May 2024)Mr. Cao Ziwei (Resigned with effect from 29 May 2024) SUPERVISORS Mr. He ZhonghuaMr. He YuMs. Huang Hui AUDIT COMMITTEE Mr. Hu Yuntong (Independent Non-executive Director) (Chairman)Ms. Liu Jiaoyang (Non-executive Director)Mr. Li Wei (Independent Non-executive Director) NOMINATION AND REMUNERATION COMMITTEE Mr. Wu Qing (Independent Non-executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Mr. Xu Hongcai (Independent Non-executive Director) Corporate Information STRATEGIC INVESTMENT COMMITTEE Mr. Li Wei (Independent Non-executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Mr. Cui Weilan (Executive Director) RISK MANAGEMENT COMMITTEE Mr. Cui Weilan (Executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Ms. Liu Tingrong (Non-executive Director) COMPANY SECRETARY Mr. Ren Weidong AUTHORIZED REPRESENTATIVES Mr. Cui Weilan (Executive Director)Mr. Ren Weidong (Company Secretary) REGISTEREDOFFICE AND PRINCIPAL PLACEOF BUSINESS IN THE PRC 1126–9 6-9, Building 2, 11 East Honghu RoadYubei DistrictChongqingPRC PRINCIPAL PLACE OF BUSINESS IN HONG KONG 3121207 Rm 1207, 12/F, ICBC Tower,3 Garden Road, CentralHong Kong Corporate Information HEAD OFFICES IN THE PRC 15A1 1st Floor, Building A, No. 2 Fortune TowerNo. 15 Caifu AvenueChongqingPRC and 1 No. 1 Beizhong Street,Inner DongzhimeDongcheng DistrictBeijingPRC H H SHARE REGISTRAR 18317M Computershare Hong Kong Investor Services Limited,17M Floor, Hopewell Centre183 Queen’s Road EastWanchaiHong Kong PRINCIPAL BANKS 25 China Construction Bank Corporation (Headquarters)No. 25 Financial StreetXicheng DistrictBeijingPRC 7088 China Merchants Bank Co., Ltd. (Headquarters)No. 7088 Shennan BoulevardFutian DistrictShenzhenGuangdong ProvincePRC AUDITOR KPMGPublic Interest Entity Auditor registered in accordance with theFinancial Reporting Council OrdinanceCertified Public Accountants Corporate Information LEGAL ADVISOR TO THE COMPANY Jones Day www.hanhua.com 3903 3903 Financial Highlights The financial information set out in this interim report was unauditedand was prepared on a consolidated basis according to the HongKong Financial Reporting Standards (“HKFRSs”). Unless otherwisestated, the financial data of Hanhua Financial Holding Co., Ltd.(“Hanhua Financial” or the “Company”, and together with itssubsidiaries, the “Group”, “we”, “our” or “us”) is expressed in RMBmillion. Management Discussion and Analysis BUSINESS REVIEW TheGroup continued to promote digital transformation andgradually achieved five major targets on digitalization of business,standardizedproducts,online operation,intelligent processesautomationand three-dimensional services.It continued toconsolidateand enhance our competitiveness in the inclusivefinance sector, laying a sound foundation for rapid and sustainablebusiness growth in the future. Based on our digital transformationstrategy, the Group’s operations are divided into four businesssegments, namely the digital services segment, the digital financesegment, the capital investment and financial asset managementsegment and the others segment. DIGITAL SERVICES SEGMENT 2024630202424.22023630202319.25.026.0% The digital services segment, building upon our financial technology(“fintech”)system and digital risk control model,providesstandardized, automated and batch-based fintech services formicro,small and medium-sized enterprises(“MSMEs”)andindividual customers in specific transaction scenarios and industrialchains, mainly including electronic bid guarantee, and micro andsmall-sizedbusinesses targeted fintech information services(“MSB targeted fintech information services”).For the sixmonths ended 30 June 2024 (the “first half of 2024”), the profitbefore tax of the digital services segment was RMB24.2 million,representing an increase of RMB5.0 million or 26.0% as comparedwith RMB19.2 million for the six months ended 30 June 2023(the “same period of 2023”). The increase was mainly due to thegrowth of the electronic bid guarantee business. Management Discussion and Analysis Digital services segment – Credit guarantee – Busines