2025 年 10 月 9 日舉行的股東特別大會 投票表決結果 維信金科控股有限公司（「本公司」）欣然宣佈，在 2025 年 10 月 9 日舉行的 本公司股東特別大會（「股東特別大會」）上提呈的決議案的投票表決結果如下： | 普通決議案* | 票數(%) | | | --- | --- | --- | | | 贊成 | 反對 | | 批准自本公司股份溢價賬派付中期股息每股 本公司股份 | 363,424,328 | 0 | | 5港仙，並授權本公司任何董事執行派付中期股息 | (100%) | (0%) | 香港交易及結算所有限公司和香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何 聲明，並明確表示，概不對因本公告全部或任何部份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。 * 決議案的全文載於股東特別大會通告內。 由於贊成以上普通決議案的票數超過 50%，決議案已獲正式通過為普通決議案。 就股東特別大會而言，於 2025 年 10 月 9 日： 1 (A) 本公司的已發行及已繳足股本的股份總數為 489,459,789 股（「股份」）； (B) 本公司為獎勵承受人而 ...

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: 2025年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 維信金科控股有限公司 呈交日期: 2025年10月2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) | 02003 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 850,000,000 | HKD | | 0.1 | HKD | | 85,000,000 | | 增加 / 減少 (-) | | | | | | | HKD | | | | 本月底結存 | | | 850,000,000 | HKD | | 0.1 | HKD | | 85,000,000 | 本月底法定/註冊股本總額： H ...

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告的內容概不負責，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告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。 VCREDIT Holdings Limited 維信金科控股有限公司 （以存續方式於開曼群島註冊成立的有限公司） （股份代號：2003） 陳穎文 2025年9月19日 總辦事處及主要營業地點： 香 港 金鐘道88號 太古廣場二座 19樓1918室 – 1 – (a) 批准自本公司股份溢價賬向於本公司董事會就確定享有中期股息資格所釐 定 的 記 錄 日 期 名 列 本 公 司 股 東 名 冊 之 本 公 司 股 東（「股 東」）宣 派 及 派 付 本 公 司 中 期 股 息 每 股 普 通 股（「股 份」）5港 仙（「中期股息」）；及 (b) 授權本公司任何董事在其全權酌情認為就落實派付中期股息或與此有關而 屬 必 要 或 合 適 的 情 況 下，採 取 有 關 行 動、進 行 有 關 事 情 以 及 簽 立 有 關 進 一 步文件。 股東特別大會通告 茲通告 維 信 金 科 控 股 有 限 公 司（「本 ...

19 September 2025 Dear Non-registered Shareholder(s)(1) , VCREDIT Holdings Limited (the "Company") - Notification of publication of Interim Report 2025 and Circular dated 19 September 2025 together with Notice of Extraordinary General Meeting (the "Current Corporate Communication") The English and Chinese versions of the Current Corporate Communication are now available on the Company's website at www.vcredit.com and the website of The Stock Exchange of Hong Kong Limited at www.hkexnews.hk respectively (the ...

VCREDIT Holdings Limited 維信金科控股有限公司 (registered by way of continuation in the Cayman Islands with limited liability) （以存續方式於開曼群島註冊成立的有限公司） （Stock Code 股份代號：2003） NOTIFICATION LETTER 通知信函 Dear Registered Shareholders, 19 September 2025 VCREDIT Holdings Limited (the "Company") - Notification of publication of Interim Report 2025, Circular dated 19 September 2025 together with Notice of Extraordinary General Meeting, and Proxy Form (the "Current Corporate Communication") The English and Chinese versions of the ...

VCREDIT Holdings Limited 維信金科控股有限公司 （以存續方式於開曼群島註冊成立的有限公司） （股份代號：2003） 2025年10月9日（星 期 四）上 午 十 一 時 正 舉 行 的 股 東 特 別 大 會（及 其 任 何 續 會）適 用 的 代 表 委 任 表 格 （閣下亦可透過指定網站(https://evoting.vistra.com)委任代表） 本人╱吾等 （附註1） 地址為 為維信金科控股有限公司（「本公司」）股本中面值0.10港元股份（「股份」） （附註2） 1. 請 用 正 楷 填上姓名和地址。 電郵地址為 （附註11） 或 如 其 未 克 出 席， 則 委 任 大 會 主 席 為 本 人 ╱ 吾 等 的 代 表， 代 表 本 人 ╱ 吾 等 出 席 本 公 司 在2025年10月9日 （星 期 四）上 午 十 一 時 正 透 過 電 子 方 式 舉 行 的 股 東 特 別 大 會（及 其 任 何 續 會）（「股東特別大會」），並 依 照 以 下 指 示 在 會上投票，如無作出指示，則由本人╱吾等的代表酌情投票。 普通決議案 贊 成 （附註4） 反 對 （附註4） 批 ...

重要文件 閣下對本通函任何方面或應採取的行動如有任何疑問，應諮詢持牌證券商、銀行經理、律師、 會計師或其他專業顧問。 閣下如已售出或轉讓 名下所有的 維信金科控股有限公司 股份，應立即將本通函連同隨附的 代表委任表格一併送交買主或承讓人或經手買賣或轉讓的銀行、持牌證券商或其他代理商， 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的任何損失承擔任何責任。 （以存續方式於開曼群島註冊成立的有限公司） （股份代號：2003） 建議自股份溢價賬 宣派及派付 中期股息 及 股東特別大會通告 維信金科控股有限公司謹訂於2025年10月9日（星 期 四）上 午 十 一 時 正 透 過 電 子 方 式 舉 行 股東特別大會，召開大會的通告載於本通函第8及9頁。 閣下不論能否出席股東特別大會， 務請盡早按照隨附的代表委任表格列出的指示填妥並交回表格，或使用本公司寄發的通知 函上所提供的用戶名稱及密碼，通過指定網站(https://evoting.vistra.com) ...

[Company Information](index=3&type=section&id=%E5%85%AC%E5%8F%B8%E8%B3%87%E6%96%99) This section provides essential details about the company's governance structure, key personnel, and operational locations [Board of Directors and Committees](index=3&type=section&id=%E8%91%A3%E4%BA%8B%E6%9C%83%E8%88%87%E5%A7%94%E5%93%A1%E6%9C%83) The company's Board of Directors comprises executive, non-executive, and independent non-executive directors, supported by Audit, Remuneration, and Nomination Committees to ensure sound corporate governance - Board members include Ma Tingxiong (Chairman), Liao Shihong (Chief Executive Officer), Liao Shiqiang (Chief Operating Officer), Xue Lan (Executive Director), Ye Jiaqi (Non-executive Director), and three Independent Non-executive Directors[6](index=6&type=chunk) - The Audit Committee Chairman is Mr. Fang Yuan, the Remuneration Committee Chairman is Mr. Chen Penghui, and the Nomination Committee Chairman is Mr. Ma Tingxiong[6](index=6&type=chunk) [Offices and Key Contact Information](index=3&type=section&id=%E辦%E4%BA%8B%E8%99%95%E8%88%87%E4%B8%BB%E8%A6%81%E8%81%AF%E7%B5%A1%E4%BF%A1%E6%81%AF) The company's registered office is in the Cayman Islands, with its head office and principal place of business in Hong Kong, and a major operating location in Shanghai, Mainland China, facilitating global and local business operations - The registered office is in the Cayman Islands, and the head office and principal place of business are located at Suite 1918, 19/F, Two Pacific Place, 88 Queensway, Hong Kong[6](index=6&type=chunk)[7](index=7&type=chunk) - The principal place of business in the People's Republic of China is located at 28/F, Tower 1, Starry Sky Center, No. 88 North Sichuan Road, Shanghai[7](index=7&type=chunk) - The company's Stock Code is **2003**, and the official website is https://www.vcredit.com[7](index=7&type=chunk) [CEO's Letter](index=4&type=section&id=%E9%A6%96%E5%B8%AD%E5%9F%B7%E8%A1%8C%E5%AE%98%E5%87%BD%E4%BB%B6) The CEO's letter outlines the Group's strategic direction, operational achievements, and financial highlights for the period [Overview of Operating Performance During the Period](index=4&type=section&id=%E6%9C%9F%E5%85%A7%E7%B6%93%E7%87%9F%E8%A1%A8%E7%8F%BE%E6%A6%82%E8%A6%BD) Despite macroeconomic uncertainties and regulatory changes, the Group maintained a prudent strategy in H1 2025, achieving significant growth in loan origination volume and outstanding loan balance through product innovation, technology upgrades, and a robust compliance framework, and recommended an interim dividend - The Group recommended an interim dividend of **5 HK cents per share** for the period to reward shareholders[8](index=8&type=chunk) H1 2025 Mainland China Loan Business Performance | Metric | H1 2025 | H1 2024 | Year-over-year growth of | Reference Date | | :--- | :--- | :--- | :--- | :--- | | Loan origination volume | RMB 38.0 billion | RMB 27.02 billion | 40.6% | for the six months ended June 30 | | Outstanding loan balance | RMB 33.55 billion | RMB 26.22 billion | 28.0% | as of June 30, 2025 vs December 31, 2024 | - Through systematic upgrades to the risk control framework and optimization of the customer portfolio structure, the Group improved customer quality and credit asset quality, reducing the customer complaint rate to a historical low[10](index=10&type=chunk) - Cumulative registered users reached **167 million**, an **11.7%** increase compared to the same period[11](index=11&type=chunk) - Established cooperation with **112** external licensed funding partners, with the loan facilitation model contributing to a total loan volume of **RMB 29.05 billion**, accounting for **76.4%** of the total[13](index=13&type=chunk) - Through AI 2.0 strategy upgrades, the Group deepened the integration of AI with business scenarios, leveraging the "Jinwu Large Model" to reshape intelligent marketing and customer service processes, enhancing risk identification accuracy[13](index=13&type=chunk) - Strategically invested in EXIO Group Limited to explore the synergy between traditional finance and the Web3.0 ecosystem, promoting the implementation of advanced solutions[14](index=14&type=chunk) - Continuously advanced new market strategic expansion, including deepening cooperation for Hong Kong business "CreFIT," acquiring Portuguese credit institution Banco Português de Gestão, S.A., and expanding into Southeast Asian markets[15](index=15&type=chunk) [Financial Performance Highlights](index=6&type=section&id=%E8%B2%A1%E5%8B%99%E8%A1%A8%E7%8F%BE%E4%BA%AE%E9%BB%9E) In H1 2025, the Group achieved substantial growth in both total revenue and net profit, primarily driven by increased loan volume under the loan facilitation model, despite rising fair value losses on customer loans and credit impairment losses H1 2025 Key Financial Metrics | Metric | H1 2025 (RMB million) | H1 2024 (RMB million) | Year-over-year growth of | | :--- | :--- | :--- | :--- | | Total revenue | 2,499.9 | 1,738.4 | 43.8% | | Net profit | 216.0 | 120.3 | 79.5% | | Adjusted net profit | 217.9 | 120.7 | 80.5% | | Fair value loss on customer loans | 624.1 | 592.3 | 5.4% | | Credit impairment loss | 214.7 | 144.1 | 49.0% | | Operating expenses (excluding share-based compensation) | 1,379.9 | 868.8 | 58.8% | [Outlook and Strategy](index=6&type=section&id=%E5%B1%95%E6%9C%9B%E5%8F%8A%E7%AD%96%E7%95%A5) Facing a tightening regulatory environment, the Group will continue its commitment to robust risk management and operational excellence, deepening the integration of AI and other advanced technologies with core businesses to achieve long-term sustainable development and create greater value for all stakeholders - The National Financial Regulatory Administration issued the "Notice on Strengthening the Management of Commercial Banks' Internet Loan Facilitation Business and Improving the Quality and Efficiency of Financial Services," which the Group believes is conducive to the long-term development of the industry[17](index=17&type=chunk) - In the second half of the year, the strategic integration of AI and other advanced technologies with core business operations will continue to deepen, committed to creating greater value for customers, shareholders, employees, and society[17](index=17&type=chunk) [Management Discussion and Analysis](index=7&type=section&id=%E7%AE%A1%E7%90%86%E5%B1%A4%E8%A8%8E%E8%AB%96%E5%8F%8A%E5%88%86%E6%9E%90) This section provides an in-depth analysis of the Group's financial performance, business operations, and future strategies [Financial Summary](index=7&type=section&id=%E8%B2%A1%E5%8B%99%E6%91%98%E8%A6%81) In H1 2025, the company achieved substantial growth in both total revenue and net profit, with Non-IFRS adjusted profit also increasing, demonstrating strong profitability H1 2025 Financial Summary | Metric | 2025 (RMB million) | 2024 (RMB million) | Change | | :--- | :--- | :--- | :--- | | Total revenue | 2,499.9 | 1,738.4 | 43.8% | | Net interest and similar income | 936.5 | 875.0 | 7.0% | | Loan facilitation service fees | 1,269.8 | 939.6 | 35.1% | | Other income / (expenses) | 293.6 | (76.2) | N/A | | Operating profit | 279.4 | 154.4 | 81.0% | | Net profit | 216.0 | 120.3 | 79.5% | | Non-IFRS adjusted operating profit | 281.4 | 154.8 | 81.8% | | Non-IFRS adjusted net profit | 217.9 | 120.7 | 80.5% | [Business Review and Outlook](index=7&type=section&id=%E6%A5%AD%E5%8B%99%E5%9B%9E%E9%A1%A7%E5%8F%8A%E5%B1%95%E6%9C%9B) Facing a complex and severe external environment and tightening regulation, the company actively adjusted business strategies, strengthened risk management and control, improved operational efficiency, and continuously advanced technological innovation and new market expansion, demonstrating business resilience - H1 2025 saw a complex and severe external environment, with insufficient domestic demand, deflationary pressure, and a sluggish real estate market, coupled with tightening regulation in the loan facilitation industry, putting pressure on the credit market[20](index=20&type=chunk) - The company actively adjusted business strategies, strengthened risk management and control, improved operational efficiency, and continuously strengthened the business framework to maintain a secure and compliant

维信金科(02003)发布公告，于2025年9月16日，根据并依照第1号股份奖励计划的条款公司向集团2位雇 员授予22.5万股奖励股份的奖励(惟须待彼等接纳)，占于本公告日期已发行股份总数约0.05%。 ...

格隆汇9月16日丨维信金科(02003.HK)发布公告，2025年9月16日，根据并依照第1号股份奖励计划的条 款公司向集团2位雇员授予22.5万股奖励股份的奖励（惟须待彼等接纳），占于本公告日期已发行股份 总数约0.05%。 ...