REDI 维信金科 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 2024 中 期 報 告 目錄 | --- | --- | |--------------------------|-------| | | | | 公司資料 | 1 | | 首席執行官函件 | 2 | | 管理層討論及分析 | 5 | | 其他資料 | 18 | | 中期財務資料審閱報告 | 24 | | 中期簡明綜合全面收益表 | 25 | | 中期簡明綜合財務狀況表 | 27 | | 中期簡明綜合權益變動表 | 28 | | 中期簡明綜合現金流量表 | 30 | | 中期簡明綜合財務資料附註 | 31 | 公司資料 | --- | --- | |-------------------------------------------------------------------------|-----------------------------------------------------------------------------| | ...

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，並明確表示概不對因本公告全部或任何部分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。 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） 截至2024年6月30日止六個月的 中期業績公告 維信金科控股有限公司（「本公司」或「我們」）董事（「董事」）會（「董事會」）宣佈本公司及 其附屬公司（統稱「本集團」）截至2024年6月30日止六個月（「期內」）的未經審核綜合 中期業績。 財務摘要 截至6月30日止六個月 | --- | --- | --- | --- | |--------------------------------------|--------------|--------------|--------| | | 2024 年 | 2023 年 | 變動 | | | 人民幣百萬元 | 人民幣百萬元 | | | 總收入 | 1,738.4 | 1,917.6 | -9.3% | | 利息類收入 ...

Business Expansion and Market Strategy - The company successfully launched a new consumer finance brand "CreFIT Weixin" in Hong Kong in 2023 and agreed to acquire Banco Português de Gestão, S.A. (BPG) to expand into the Portuguese and broader European markets[9] - The company successfully obtained a money lender license in April 2023 and officially launched the Hong Kong-based consumer finance brand "CreFIT" in September 2023, with its first product "CreFIT Card Loan" receiving a high app rating of 4.6 out of 5[49] - The company has reached an agreement to acquire Banco Português de Gestão, S.A., a credit institution registered with the Bank of Portugal, and is currently undergoing standard regulatory approval processes[49] - The company is focusing on expanding its consumer lending business outside of mainland China, particularly in Hong Kong, Southeast Asia, and Europe, leveraging its AI-driven credit assessment and risk management technologies[51] - The company plans to seek investment, cooperation, or acquisition opportunities in Hong Kong, Southeast Asia, and Europe to expand its business strategy[200] Financial Performance and Metrics - Operating expenses (excluding share-based compensation) increased by 22.6% from RMB 1,679.4 million in 2022 to RMB 2,058.3 million in 2023[15] - Net interest income decreased from RMB 1,922.14 million in 2022 to RMB 1,477.30 million in 2023, while interest expenses decreased from RMB 529.16 million to RMB 327.65 million, resulting in a total net interest income of RMB 1,149.65 million in 2023[10] - Total revenue for 2023 was RMB 3,569.5 million, a 14.4% increase from RMB 3,119.3 million in 2022[26] - Loan facilitation service fees increased to RMB 2,240,958 thousand from RMB 1,564,359 thousand in the previous year[71] - The company's operating profit for the year was RMB 604,845 thousand, compared to RMB 695,120 thousand in the previous year[71] - Annual profit for the year was RMB 453,911 thousand, down from RMB 532,471 thousand in the previous year[71] - Basic earnings per share for the year were RMB 0.93, compared to RMB 1.09 in the previous year[71] - Total revenue for 2023 reached RMB 3,569.5 million, a 14.4% increase compared to RMB 3,119.3 million in 2022[182] - Interest income decreased by 23.1% to RMB 1,477.3 million in 2023 from RMB 1,922.1 million in 2022[182] - Loan facilitation service fees increased by 43.3% to RMB 2,241.0 million in 2023 from RMB 1,564.4 million in 2022[182] - Net profit for 2023 was RMB 453.9 million, a 14.8% decrease compared to RMB 532.5 million in 2022[182] - Non-IFRS adjusted net profit for 2023 was RMB 455.6 million, a 15.2% decrease compared to RMB 537.4 million in 2022[182] - Interest expenses decreased by 38.1% to RMB 327.6 million in 2023 from RMB 529.1 million in 2022[182] - Other income increased by 10.5% to RMB 178.8 million in 2023 from RMB 161.9 million in 2022[182] - Operating profit for 2023 was RMB 604.8 million, a 13.0% decrease compared to RMB 695.1 million in 2022[182] - Non-IFRS adjusted operating profit for 2023 was RMB 606.5 million, a 13.4% decrease compared to RMB 700.1 million in 2022[182] Loan Facilitation and Credit Services - The company's loan facilitation volume reached a historical high in 2023, supported by mature risk management capabilities and long-term return-driven customer acquisition strategies[14] - Total loan facilitation in 2023 reached RMB 75.25 billion, a significant increase of 44.2% compared to RMB 52.19 billion in 2022[24] - Outstanding loan balance as of December 31, 2023, exceeded RMB 34.47 billion, up 37.5% from RMB 25.07 billion at the end of 2022[24] - Loan facilitation through the loan matching model reached RMB 63.15 billion, accounting for 83.9% of the total loan facilitation, up 60.8% from RMB 39.27 billion in 2022[25] - The company established effective cooperation with 104 external funding partners by the end of 2023, including 24 national joint-stock commercial banks, consumer finance companies, and trust funds[25] - The company is transitioning to higher-quality borrowers, leveraging multi-dimensional data to improve credit risk models and enhance customer segmentation accuracy[6] - The company is committed to investing in AI-driven technology and proprietary credit risk models to optimize operations and expand credit services to meet diverse financing needs[14] - The company introduced a more comprehensive customer feature dimension to better construct target customer risk profiles[196] - The company established a partnership with a leading data company in the second half of 2023 to improve precision customer acquisition capabilities[196] Risk Management and Asset Quality - The first payment default rate rose to 0.71% in Q4 2023, while the 1-3 month delinquency rate and over 3-month delinquency rate increased to 5.07% and 2.98% respectively by the end of 2023[20] - The company continues to optimize its risk management framework, with improvements in asset quality observed in early 2024 for newly facilitated loans[20] - Credit impairment losses increased to RMB 344.6 million in 2023 from RMB 129.5 million in 2022, primarily due to increased loan volume under the credit enhancement matching model[26] - The company implemented a "disconnected direct link" for credit data to better protect customer privacy and information security[37] - The company employs different collection methods based on the stage of delinquency, ranging from automated reminders and AI calls in the early stage to legal actions and third-party collections for overdue loans exceeding 90 days[149] User Growth and Customer Engagement - Cumulative registered users grew to 144.1 million in 2023, a 13.6% increase from the previous year[24] - Repeat borrowers accounted for 85.1% of the total loan volume in 2023[24] - Cumulative registered users reached 144 million in 2023, a 13.6% increase compared to 2022[196] - Repeat loan customers accounted for 85.1% of total loan volume in 2023[196] - The total number of transactions in 2023 was 6.4 million[197] - The average loan size was approximately RMB 11,748 with an average loan term of 10.0 months[197] - The top five borrowers' outstanding principal totaled RMB 1,031,518, accounting for 0.003% of the total loan balance as of December 31, 2023[197] - The largest borrower's outstanding principal was RMB 209,072, representing approximately 0.001% of the total loan balance as of December 31, 2023[197] Technology and Innovation - The company launched the new VOS (Weixin Business System) platform in the first half of 2023, significantly improving R&D efficiency through streamlined business modules and optimized system architecture[1] - The company launched an AI-powered online customer service robot, achieving a customer self-service resolution rate of 97%[33] Corporate Governance and Board Activities - The company proposed a final dividend of HK$0.10 per share for 2023, subject to shareholder approval[19] - The company held a total of four board meetings during the year, with satisfactory attendance rates, demonstrating the board's timely attention to company affairs[96] - The board retains decision-making authority on key matters, including long-term goals and strategies, expansion into new business areas, major acquisitions and disposals, and approval of interim and final results[98] - The company ensures that questions or requests from directors are promptly addressed, with all directors having access to the company secretary's advice and services[101] - The board delegates daily management, administration, and operational powers and responsibilities to the senior management team led by the CEO[117] - The audit committee reviews and monitors financial reporting procedures, financial controls, internal controls, and risk management systems, and advises the board on the appointment, reappointment, and removal of external auditors[118] - Non-executive directors, including independent non-executive directors, currently constitute a majority of the board, providing significant independence to the board's judgment and decision-making[121] - The board receives monthly management reports on the group's business and financial performance and holds regular meetings at least four times a year to review operational, financial, and business performance[123] - The company's second amended and restated articles of association stipulate that one-third of the board members must retire by rotation at each annual general meeting, with each director required to retire at least once every three years[124] - The audit committee held two meetings to review the annual financial statements for the year ended December 31, 2022, and the interim financial statements for the six months ended June 30, 2023, as well as the adequacy and effectiveness of the group's internal audit, risk management, and internal control systems[133] - The nomination committee held one meeting to review the board's structure, size, and composition, including skills, knowledge, experience, and diversity, as well as the independence of independent non-executive directors[134] - The remuneration committee held one meeting to review and recommend adjustments to directors' fees and remuneration, and to grant the CEO the authority to determine senior management remuneration[135] - The company has received annual independence confirmation from each independent non-executive director, and the board believes all independent non-executive directors meet the independence guidelines under Listing Rule 3.13[136] - Directors have completed annual training on their duties and responsibilities, including updates on Listing Rules and Securities and Futures Ordinance requirements[138] - The board is responsible for maintaining a risk management and internal control system suitable for the group's business and reviewing its effectiveness[147] - The board has received confirmation from management on the effectiveness of the risk management and internal control systems for the year[150] Financial Position and Assets - Total assets increased to RMB 11,934.46 million in 2023 from RMB 10,103.44 million in 2022, reflecting growth in the company's financial position[84] - The fair value of customer loans was RMB 6,504.42 million as of December 31, 2023, with a fair value loss of RMB 574.08 million recognized in the comprehensive income statement[80] - The company's total liabilities rose to RMB 7,765.87 million in 2023, up from RMB 6,277.70 million in 2022, driven by increased borrowings and other liabilities[84] - Cash and cash equivalents decreased to RMB 896.53 million in 2023 from RMB 1,592.37 million in 2022, indicating a reduction in liquid assets[84] - The company's accumulated losses improved to RMB (1,859.72) million in 2023 from RMB (2,313.63) million in 2022, reflecting a reduction in losses[84] - The fair value of financial investments measured at fair value through profit or loss decreased to RMB 148.70 million in 2023 from RMB 243.53 million in 2022[84] - The company's total equity increased to RMB 4,168.59 million in 2023 from RMB 3,825.74 million in 2022, driven by improved reserves and reduced accumulated losses[84] - The company's borrowings increased to RMB 5,471.89 million in 2023 from RMB 4,331.33 million in 2022, reflecting higher debt levels[84] - The company's deferred tax assets increased to RMB 522.22 million in 2023 from RMB 342.46 million in 2022, indicating higher potential tax benefits[84] - The company's restricted cash increased to RMB 652.24 million in 2023 from RMB 514.94 million in 2022, reflecting higher cash reserves held under restrictions[84] Strategic Goals and Future Plans - The company will continue to optimize its business strategy and enhance technical capabilities to meet the financial needs of high-quality customers[200] - The company's CreFIT brand aims to help Hong Kong residents repay credit card debt without damaging their credit ratings, reflecting its mission to "guard credit health"[49]

購買、贖回或出售本公司的上市證券 在本公告日期，董事會組成包括馬廷雄先生為主席及執行董事；廖世宏先生和廖世強先生為執行董事； 葉家祺先生為非執行董事；而Chen Derek先生、Chen Penghui先生和方遠先生為獨立非執行董事。 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，概不對因本公告的全部或任何部分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。 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） 截至2023年12月31日止年度的 年度業績公告 維信金科控股有限公司（「本公司」）董事（「董事」）會（「董事會」）宣佈本公司及其附屬 公司（統稱「本集團」）截至2023年12月31日止年度（「本年度」）的經審核綜合業績。 財務摘要 截至12月31日止年度 | --- | --- | --- | --- | |--------------------------------------|--------------|-------- ...

5.3 營運風險 中期簡明綜合財務資料附註 中期簡明綜合財務資料附註 中期簡明綜合財務資料附註 | --- | --- | --- | |------------------------------------------------------|-------------------------------------------------|--------------------------------------------| | | 於 2023 年 6 月 30 日 人民幣千元 （未經審核） | 於 2022 年 12月31 日 人民幣千元 （經審核） | | 無擔保 (i) | 4,667,981 | 5,226,433 | | 已抵押 | 18 4,667,999 | 4,038 5,230,471 | | 以公允價值計量且其變動計入損益的客戶貸款的合約期限： | 於 2023 年 6 月 30 日 人民幣千元 （未經審核） | 於 2022年 12月31 日 人民幣千元 （經審核） | | 1年內（含 1 年） | 4,643,936 | 5,227,719 | | 1至2 年（含2年） 2 ...

2 編製基準 股份自2018年6月21日起以首次公開發售（「首次公開發售」）方式在香港聯合交易所有限公司主板 上市。於首次公開發售完成後，本公司所有已發行在外的可轉換可贖回優先股已按一對一基準轉 換為股份。於2023年6月30日，已發行股份數目為489,459,789股，每股股份面值為0.10港元。 9 其他收益淨額 於2023年 6月30日 於2022年 12月31日 人民幣千元 人民幣千元 （未經審核） （經審核） 15 擔保應收款項及擔保負債 16 其他利益持有人所持有的權益列入應付信託計劃持有人的款項。 32 本公司設立多項股份獎勵計劃，務求為合資格人士提供以股份為基礎的激勵及獎勵。 3.1 新訂及經修訂準則—2023年1月1日起適用 11.3 非國際財務報告準則經調整每股股份基本盈利按非國際財務報告準則經調整淨利潤分別除 以期內及同期已發行股份加權平均數計算。 以公允價值計量且其變動計入損益的客戶貸款的剩餘合約期限： | --- | --- | --- | |----------------------------|---------------------------|-------------- ...

廖世宏先生為本公司執行董事兼首席運營官廖世強先生的胞兄。 (以存續方式於開曼群島註冊成立的有限公司) 股份代號: 2003 10809.0 y organ 目錄 | --- | --- | |--------------------|-------| | | | | 主席報告書 | 2 | | 首席執行官函件 | 4 | | 管理層討論及分析 | 7 | | 董事會及高級管理層 | 22 | | 企業管治報告 | 26 | | 董事會報告 | 37 | 59 63 | --- | --- | |----------------------------------------------------------------------------|------------------------------------------------------------------------------------------------| | | | | 董事 會 | 總辦事處及主要營業地點 | | 執行董 事 | 香港金鐘道 88 號 | | 馬廷雄先 生 （主席） 廖世宏先 生 （首席執行官） 廖世強先 生 ...

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，概不對因本公告的全部或任何部分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。 截至2022年12月31日止年度的 年度業績公告 財務摘要 附註： (2) 非國際財務報告準則經調整淨利潤定義分別為本年度及截至2021年12月31日止年度不包含以股份 為基礎的薪酬費用的淨利潤。更多詳情，請參閱「管理層討論及分析 — 非國際財務報告準則計量」 一節。 董事會建議派付末期股息每股本公司股份（「股份」）10港仙（「末期股息」），惟須待 本公司股東（「股東」）於預期在2023年6月16日（星期五）舉行的本公司股東週年大會 （「股東週年大會」）上批准後方可作實（2021年：15港仙）。 業務回顧及展望 業務回顧 COVID-19疫情相關措施的轉變對我們的業務模式造成顯著影響。本年度大部分時間均 實施清零政策，2022年上半年上海等城市實行封城措施，最終於本年度末轉為全國大 幅放寬COVID-19防疫措施。我們成功調整業務策略及模式，克服COVID-19防疫政策轉 變所帶來的不同挑戰及風險。 ...

VCREDIT Holdings Limited 維信金科控股有限公司 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) Stock Code: 2003 US$85 million 11.0% Senior Notes due 2022 Stock Code: 40498 Interim Report 2022 中期報告 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 85百萬美元2022年到期的11.0%優先票據 股份代號: 40498 中 期 報 告 2022 2022 10809.0 10212.93 220246 y organ nglal services 目錄 公司資料1 首席執行官函件3 管理層討論及分析6 其他資料 19 中期財務資料審閱報告 29 中期簡明綜合全面收益表 30 中期簡明綜合財務狀況表 32 中期簡明綜合權 ...

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 85百萬美元2022年到期的11.0%優先票據 股份代號: 40498 年報 2021 目 錄 公司資料 主席報告書 首席執行官函件 管理層討論及分析 董事會及高級管理層 企業管治報告 董事會報告 財務業績 獨立核數師報告 綜合全面收益表 綜合財務狀況表 綜合權益變動表 綜合現金流量表 綜合財務報表附註 五年財務資料概要 ω 5 8 23 27 38 54 61 63 64 66 67 155 公司資料 註冊辨事處 4th Floor Harbour Place 103 South Church Street P.O. Box 10240 Grand Cayman KY1–1002 Cayman Islands 總辦事處及香港主要營業地點 香港金鐘 道88號 太古廣場2座 19樓1918室 電話：(852) 2918 5500 傳真：(852) 2918 0859 電郵：ir@vcredit.com 中國主要營業地點 中 國 上海200085 四川北路88號 星 蒼中 心 ...