FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 致：香港交易及結算所有限公司 公司名稱: 零在科技金融集團有限公司 (於百慕達註冊成立之有限公司) 呈交日期: 2026年4月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00093 | 說明 | 普通股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,800,000,000 | HKD | 0.08 | HKD | | 224,000,000 | | 增加 / 減少 (-) | | | 0 | | | HKD | | 0 | | 本月底結存 | | | 2,800,000,000 | HKD | | 0.08 HKD | | 224,000,000 | 本月底法定/註冊股本總額： HKD 2 ...

31 March 2026 Dear Non-registered Holder(s) (Note 1) , Zero Fintech Group Limited 零在科技金融集團有限公司 (Incorporated in Bermuda with limited liability) (Incorporated in Bermuda with limited liability) （於百慕達註冊成立之有限公司） (Stock Code: 00093) （Stock Code 股份代號：00093） NOTIFICATION LETTER 通知信函 1. Non-Registered Holder means such person or company whose shares are held in The Central Clearing and Settlement System (CCASS) and who has notified the Company from time to time through Hong Kong Securities Clearing Company Limited ...

Zero Fintech Group Limited 零在科技金融集團有限公司 (Incorporated in Bermuda with limited liability) (Stock Code: 00093) (Incorporated in Bermuda with limited liability) （於百慕達註冊成立之有限公司） （Stock Code 股份代號：00093） NOTIFICATION LETTER 通知信函 31 March 2026 Dear Registered Shareholders, Zero Fintech Group Limited (the "Company") – Notice of publication of Circular dated 31 March 2026 (the "Current Corporate Communication") The English and Chinese versions of the Company's Current Corporate Communications are now available on th ...

此乃要件 請即處理 閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其 他註冊證券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已將名下之全部零在科技金融集團有限公司股份售出或轉讓，應立即將本通函 交予買主或承讓人或經手買賣或轉讓之銀行、股票經紀或其他代理商，以便轉交買主 或承讓人。 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通函之內容概不負責，對 其準確性或完整性亦不發表任何聲明，並明確表示，概不就因本通函全部或任何部份 內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Zero Fintech Group Limited 零在科技金融集團有限公司 炷㕤䘦ヽ忼姣Ⅎㆸ䩳ᷳ㚱旸℔⎠炸 炷偉ấẋ嘇烉00093炸 主要交易 貸款交易 除文義另有所指外，本通函所用之所有詞彙具有本通函「釋義」一節所載的涵義。 董事會函件載於本通函第5至13頁。 該等貸款交易已根據上市規則第14.44條經股東書面批准予以批准。因此，概不會就批 准該等貸款交易召開股東大會。本通函乃寄發予股東僅作參考。 二零二六年三月三十一日 | 釋義 | 1 | | --- | --- | | 董事會函件 ...

Financial Performance - The total revenue for the year ended December 31, 2025, was HKD 359,465,000, representing a 37.3% increase from HKD 261,781,000 in 2024[3] - The operating profit for 2025 was HKD 53,126,000, up from HKD 42,671,000 in 2024, indicating a growth of 24.5%[3] - The net profit attributable to the owners of the company for 2025 was HKD 20,932,000, a decrease of 22.5% from HKD 27,075,000 in 2024[3] - The company reported a pre-tax profit of HKD 28,657,000 for the year ended December 31, 2025, compared to HKD 36,990,000 in 2024, showing a decline of about 22.4%[13] - Total other income for 2025 was HKD 2,330,000, an increase of 51.5% from HKD 1,538,000 in 2024[23] - The company reported a significant increase in the provision for impairment losses, with HKD (4,612,000) in 2025 compared to HKD (3,743,000) in 2024[23] - For the fiscal year ending December 31, 2025, the company recorded revenue of HKD 359,465,000 and profit of HKD 20,932,000, compared to revenue of HKD 261,781,000 and profit of HKD 27,075,000 for the fiscal year ending December 31, 2024, indicating a revenue increase of approximately 37.3% but a profit decrease of about 22.8%[39] Assets and Liabilities - Total assets increased to HKD 1,738,826,000 in 2025, compared to HKD 1,400,616,000 in 2024, reflecting a growth of 24.1%[4] - The total liabilities rose to HKD 617,949,000 in 2025, up from HKD 307,662,000 in 2024, marking an increase of 101%[5] - Total liabilities increased to HKD 617,949,000 in 2025 from HKD 307,662,000 in 2024, representing a growth of about 101.5%[14] - The company's total liabilities increased to HKD 617,949,000 in 2025 from HKD 307,662,000 in 2024, resulting in a net debt of HKD 435,412,000[58] - The equity total rose to HKD 1,120,877,000 in 2025, compared to HKD 1,092,954,000 in 2024, leading to a debt-to-equity ratio of 39% in 2025, up from 17% in 2024[58] Earnings and Expenses - The company reported a basic and diluted earnings per share of HKD 0.78 for 2025, down from HKD 1.01 in 2024[3] - Employee benefits expenses increased to HKD 42,336,000 in 2025 from HKD 37,091,000 in 2024, representing a rise of 14.5%[3] - The company’s unallocated expenses for 2025 were HKD 14,509,000, compared to HKD 9,086,000 in 2024, indicating an increase of approximately 59.5%[13] - Total operating expenses for 2025 were HKD 49,595,000, up from HKD 46,921,000 in 2024, reflecting a rise of 5.7%[23] - Interest expenses from bank loans surged to HKD 17,209,000 in 2025, compared to HKD 1,403,000 in 2024, marking an increase of 1,126.5%[24] - Income tax expense for 2025 was HKD 7,725,000, a decrease of 22.1% from HKD 9,915,000 in 2024[26] Revenue Segments - The property development and investment segment generated revenue of HKD 1,466,000 for 2025, compared to HKD 1,511,000 in 2024, indicating a slight decrease of 3.0%[13] - Financial lending revenue increased significantly to HKD 350,777,000 in 2025 from HKD 257,469,000 in 2024, reflecting a growth of approximately 36.2%[13] - Interest income from financial lending operations was HKD 350,777,000 in 2025, compared to HKD 257,469,000 in 2024, indicating a growth of approximately 36.2%[18] - The number of active customers for unsecured loans increased from 15,523 as of December 31, 2024, to 19,935 as of December 31, 2025, contributing to revenue of approximately HKD 311,337,000, up from HKD 211,117,000 in the previous year[45] Investment and Market Strategy - The company will not explore investment opportunities in the property market in the short term due to the downturn in the Chinese property market[55] - The company has implemented strict loan application standards to minimize default risk and will actively assess its loan portfolio and risk control[55] - The company aims to evolve X Wallet into a comprehensive financial services platform, enhancing payment solutions and fund management[54] - The marketing strategy for the X Wallet includes a major brand promotion campaign aimed at distinguishing itself in the competitive fintech sector[54] - The company plans to launch ongoing product promotion activities for X Cash.AI starting January 2026, emphasizing its convenience and efficiency[55] Governance and Compliance - The company adhered to the corporate governance code and maintained high standards of corporate governance throughout the year ending December 31, 2025[61] - The audit committee reviewed the financial statements for the year ending December 31, 2025, ensuring accuracy and compliance with accounting principles[65] - The external auditor, PwC, confirmed that the financial statements align with the audited figures for the year ending December 31, 2025[66] - The board of directors includes both executive and independent non-executive members, ensuring a balanced governance structure[67] Customer and Loan Management - The company has a total of 57 mortgage loan customers as of December 31, 2025, with the top 10 customers accounting for 65% of the total receivables[46] - The company has established a system to identify and review overdue loan accounts, with a focus on the overall recovery capability of overdue assets[52] - The company wrote off receivables totaling approximately HKD 104,996,000 due to borrower bankruptcy and debtor death factors[49] - As of December 31, 2025, the net receivables of loans and interest amounted to HKD 1,135,735,000, with an expected credit loss provision of HKD 127,547,000[48] Cash and Financial Position - As of December 31, 2025, the company held approximately HKD 182.5 million in cash, representing about 31% of total current assets[57] - The company has no interim dividend for the six months ending June 30, 2025, and the board does not recommend a final dividend for the year ending December 31, 2025[40] - The company did not recommend any final dividend for the year ending December 31, 2025, consistent with 2024[27] - No shares of the company were purchased, sold, or redeemed by the company or its subsidiaries during the year[60]

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 何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 零在科技金融集團有限公司（「本公司」）董事會（「董事會」）宣佈，本公司將於二 零二六年三月二十七日（星期五）舉行董事會會議，藉以（其中包括）考慮及批准 發佈本公司及其附屬公司截至二零二五年十二月三十一日止年度業績公告，及建 議派發末期股息（如有）。 零在科技金融集團有限公司 Zero Fintech Group Limited 零在科技金融集團有限公司 炷㕤䘦ヽ忼姣Ⅎㆸ䩳ᷳ㚱旸℔⎠炸 炷偉ấẋ嘇烉00093炸 董事會會議日期 於本公佈刊發日期，董事會之成員為： 執行董事： 李立先生 （主席） 李銘浚先生 （副主席兼行政總裁） 周厚誠先生 獨立非執行董事： 舒華東先生 胡偉斌先生 翟慧婷女士 羅泰安 公司秘書 謹啓 香港，二零二六年三月十三日 ...

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 何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 董事會欣然宣佈，於二零二六年三月五日，聯交所已授出豁免，惟須於二零二六年 三月三十一日或之前寄發通函，並透過本公佈披露豁免之詳情及理由。 承董事會命 Zero Fintech Group Limited 零在科技金融集團有限公司 炷㕤䘦ヽ忼姣Ⅎㆸ䩳ᷳ㚱旸℔⎠炸 炷偉ấẋ嘇烉00093炸 根據上市規則第14.41(a)條授出豁免 及 延遲寄發有關主要交易－貸款交易的通函 茲提述零在科技金融集團有限公司（股份代號：93）日期為二零二六年二月十三日 的公佈，內容有關貸款交易（「該公佈」）。除另有所述者外，本公佈所用詞彙與該 公佈所界定者具有相同涵義。 根據上市規則第14.41(a) 條，一份載有（其中包括）(i) 貸款交易的詳情；(ii) 本集團 財務資料；及(iii)上市規則規定的其他資料的通函，須於刊發該公佈後15個營業日 內寄發。由於需要額外時間編製將載入通函的財務資料（包括本集團的債務聲明）， 且本公 ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年2月28日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 零在科技金融集團有限公司 (於百慕達註冊成立之有限公司) 呈交日期: 2026年3月2日 I. 法定/註冊股本變動 | 根據《主板上市規則》第13.32D(1)條或第19A.28D(1)條 / 《GEM上市規則》第17.37D(1)條或第25.21D(1)條，我們在此確認，就上述所列股份類別而言，截至本月底: | | | --- | --- | | 已符合適用的公眾持股量要求（見下方） | ✔ | | 未符合適用的公眾持股量要求（見下方） | | | 根據《主板上市規則》第13.32B條或第19A.28B條 / 《GEM上市規則》第17.37B條或第25.21B條（視情況而定）所載的有關股份類別的最低公眾持股量要求為： | | | 適用的公眾持股量門檻 初始指定門檻 - 上市股份所屬類別的已發行股份總數(不包括庫存股份)的25% | | | 額外信息 | | 第 2 頁 共 10 頁 v 1.2.0 FF301 | 1. 股份分 ...

Core Viewpoint - Zero in Technology Finance (00093.HK) expects a pre-tax profit of at least approximately HKD 25 million for the fiscal year ending December 31, 2025, compared to an estimated pre-tax profit of about HKD 37 million for the fiscal year ending December 31, 2024 [1] Group 1 - The decrease in pre-tax profit is primarily due to an increase in the number of loans granted during the year and a rise in receivable loans expected by December 31, 2025, leading to an increase in impairment losses on receivable loans [1] - The company has also incurred higher advertising and promotional expenses aimed at enhancing brand awareness and recognition during the year [1]

Group 1 - The company, Zero in Technology Finance (00093), anticipates a pre-tax profit of no less than approximately HKD 25 million for the year ending December 31, 2025, compared to an estimated pre-tax profit of about HKD 37 million for the year ending December 31, 2024 [1] - The decrease in pre-tax profit is primarily attributed to an increase in the number of loans granted during the year and a growth in receivables expected by December 31, 2025, leading to an increase in impairment losses on receivables [1] - Additionally, the company has incurred increased advertising and promotional expenses aimed at enhancing brand awareness and recognition during the year [1]