Core Viewpoint - Vcredit's strong performance in the first half of 2025 is highlighted by a 43.8% increase in total revenue to 2.5 billion RMB and a 79.5% rise in net profit to 216 million RMB, alongside a proposed interim dividend of 0.05 HKD per share to reward shareholders [1] Business Strategy and Performance - The company has focused on enhancing its core business quality and risk management, resulting in a systematic upgrade of its risk control framework and a shift towards higher-quality borrowers, achieving a registered user base of 167 million, a year-on-year increase of 11.7% [2] - Vcredit facilitated 38 billion RMB in loans in the first half of 2025, assisting 12.4 million individuals in obtaining credit services, with an outstanding loan balance of 33.55 billion RMB [2] Market Expansion and Technological Investment - The company is expanding into new markets, including Southeast Asia, and is pursuing the acquisition of Banco Português de Gestão in Portugal, while also investing in EXIO Group to bridge traditional finance and Web 3.0 ecosystems [3] - Vcredit's R&D expenses increased by 2.6% to 58.5 million RMB, focusing on AI technology applications across various business scenarios, enhancing risk control and operational efficiency [4] Innovation and Talent Development - The "Future is Here: AI Empowerment" innovation challenge has gathered 57 submissions aimed at optimizing business processes and exploring new applications of AI technology [5] - The "AI·Future Navigator Program" aims to recruit top tech talent globally to accelerate AI integration in financial technology [5] Corporate Social Responsibility and Consumer Protection - Vcredit emphasizes corporate social responsibility, integrating it into its business strategy, and has released its 2024 ESG report, marking its seventh consecutive year of commitment to sustainable development [6] - The company has established a Consumer Rights Protection Committee and is enhancing consumer protection mechanisms through technology, focusing on transparency and customer satisfaction [6] Security and Community Engagement - Vcredit is enhancing its security measures by integrating large models and biometric technology to prevent identity fraud and ensure consumer safety [7] - The company is involved in community initiatives, such as the "100 Reading Corners Project," donating over 20,000 books to rural schools across 23 provinces in China [7] Future Outlook - Looking ahead to the second half of 2025, Vcredit aims to maintain robust risk management and operational excellence while further integrating advanced technologies into its core business to create greater value for stakeholders [7]

Core Viewpoint - Vcredit Holdings (2003.HK) reported a strong performance in the first half of 2025, with total revenue of 2.5 billion RMB, a year-on-year increase of 43.8%, and a net profit of 216 million RMB, up 79.5% from the previous year, reflecting resilient growth through core business focus and operational improvements [1] Group 1: Financial Performance - Total revenue for the first half of 2025 reached 2.5 billion RMB, representing a 43.8% year-on-year growth [1] - Net profit was recorded at 216 million RMB, showing a significant increase of 79.5% compared to the same period last year [1] - The board proposed an interim dividend of 0.05 HKD per share to reward shareholders for their long-term trust and support [1] Group 2: Business Strategy and Operations - The company focused on enhancing risk control and operational efficiency, adjusting its business strategy to strengthen resilience and consolidate its business structure [2] - As of June 30, 2025, the total number of registered users in mainland China reached 167 million, a year-on-year increase of 11.7% [2] - Vcredit facilitated loans amounting to 38 billion RMB in the first half of 2025, assisting 12.4 million people in obtaining credit services [2] Group 3: Technological Innovation - Research and development expenses increased by 2.6% to 58.5 million RMB in the first half of 2025, with a focus on applying artificial intelligence across various business scenarios [4] - The "Hummingbird" 2.0 platform upgrade significantly improved risk identification accuracy and response efficiency [4] - The company established a multi-agent collaboration system to enhance operational efficiency and business outcomes through real-time user intent recognition [4] Group 4: Social Responsibility and Sustainability - Vcredit released its 2024 ESG report, marking the seventh consecutive year of disclosing its commitment to sustainable development [6] - The company established a Consumer Rights Protection Committee and focused on enhancing consumer protection capabilities as a core strategy [6] - Vcredit engaged in social initiatives, donating over 20,000 books to 100 rural primary schools across 23 provinces in China [7] Group 5: Future Outlook - The CEO emphasized the commitment to prudent risk management and operational excellence while integrating advanced technologies like AI into core business strategies [7]

Core Viewpoint - The company reported significant growth in revenue and net profit for the first half of 2025, indicating a strong performance despite ongoing economic challenges [1] Financial Performance - Total revenue reached RMB 2.5 billion, representing a year-on-year increase of 43.8% [1] - Net profit was RMB 216 million, showing a year-on-year growth of 79.5% [1] - Earnings per share stood at RMB 0.44, with an interim dividend of 5 Hong Kong cents [1] Operational Strategy - The company achieved a loan volume of RMB 38 billion in mainland China during the first half of 2025 [1] - In response to the economic situation, the company enhanced risk management and adjusted operational strategies to mitigate credit risks and reduce asset impairment [1] - A systematic upgrade of the risk control framework was implemented, focusing on optimizing the customer portfolio towards higher-quality borrowers [1] Strategic Initiatives - The company launched several strategic measures to enhance business resilience, including deepening partnerships with leading platforms to target quality borrowers [1] - New data sources were piloted for high-quality borrowers, strategically increasing their approval rates to build a robust sample library of quality borrowers [1] - Significant resources were allocated to reduce customer complaint rates to a historical low, laying a solid foundation for sustainable operations [1] Future Outlook - Although early risk indicators have shown a mild increase due to strategic investments, the company's ability to identify and operate with quality customers is expected to improve over time [1] - This positions the company for continued optimization of asset quality and establishes a solid long-term foundation for growth [1]

Core Insights - The company reported a total revenue of RMB 2.5 billion for the six months ending June 30, 2025, representing a year-on-year growth of 43.8% [1] - Net profit reached RMB 216 million, marking a significant increase of 79.5% compared to the previous year [1] - Earnings per share stood at RMB 0.44, with an interim dividend of 5 Hong Kong cents declared [1] Financial Performance - Total loan volume in mainland China reached RMB 38 billion during the first half of 2025 [1] - The company experienced a robust growth trajectory despite the ongoing economic recovery challenges [1] Strategic Initiatives - The company enhanced its risk management framework and adjusted its operational strategy to mitigate borrower credit risks and reduce asset impairment [1] - A systematic upgrade of the risk control framework was implemented, focusing on optimizing the customer portfolio towards higher-quality borrowers [1] - The company initiated strategic collaborations with leading platforms to pilot new data sources for quality borrowers, aiming to increase approval rates for this demographic [1] Operational Efficiency - Significant resources were allocated to reduce customer complaint rates to a historical low, establishing a solid foundation for sustainable operations [1] - Although early risk indicators showed a mild increase due to strategic investments, the company's ability to identify and operate with quality customers has been continuously improving [1] - This strategic focus is expected to enhance asset quality in the long term, laying a robust foundation for future growth [1]

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的有限公司） （股份代號: 2003） 提 名 委 員 會 職 權 範 圍 維信金科控股有限公司（「本公司」）提名委員會（「委員會」）根據本公司董事會 （「董事會」）於2018年5月30日通過的決議案成立。以下載列委員會的職權範圍 （「職權範圍」）。職權範圍備有英文及繁體中文版本可供查閱。如職權範圍的 英文版本與繁體中文版本有任何歧義，概以英文版本為準。 2. 組成 3. 會議 3.1 除下文另有指明外，本公司組織章程細則（「章程細則」）（經不時 修訂）所載規範董事會議及議事程序的規定，適用於委員會會議及 議事程序。 提名委員會職權範圍 1 (第三版, 於 2025 年 8 月修訂) 1. 目的 1.1. 委員會成立的目的是物色、考慮及向董事會推薦合適人選擔任本公司 董事、監管評估董事會表現的流程、制訂及向董事會建議提名指引， 惟須符合任何適用法律、法規及上市準則。 2.1 委員會成員須由董事會不時委任，多數成員須為獨立非執行董事，彼 等須符合香港聯合交易所有限公司證券上市規則 （「上 市 規 ...

葉家祺先生 獨立非執行董事 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) 董事名單及董事的職責與職能 維信金科控股有限公司（「本公司」）董事會（「董事會」）的成員載列如下。 執行董事 馬廷雄先生 ( 主席 ) 廖世宏先生 ( 首席執行官 ) 廖世強先生 ( 首席運營官 ) 薛 嵐女士 非執行董事 Chen Derek 先生 Chen Penghui 先生 方 遠先生 董事會下設三個董事會委員會。下表提供本公司各董事在該等委員會服務的成員資料。 | | | | 審核委員會 | 薪酬委員會 | 提名委員會 | | --- | --- | --- | --- | --- | --- | | 馬廷雄先生 | | | | | C | | 廖世宏先生 | | | | M | | | 廖世強先生 | | | | | | | 薛 | 嵐女士 | | | | M | | 葉家祺先生 | | | M | | | | Chen Derek | 先生 | | M | M | M | | Chen Penghui | | 先 ...

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。 上 述 變 動 後 ， 提 名 委 員 會 由 五 名 成 員 組 成 ， 分 別 為 馬 廷 雄 先 生 、 薛 嵐 女 士 、 Chen Derek先生、Chen Penghui先生及方遠先生。 承董事會命 維信金科控股有限公司 主席 馬廷雄 提 名 委 員 會 組 成 變 動 維信金科控股有限公司董事（「董事」）會（「董事會」）宣佈，現任執行董事 薛嵐女士獲委任為董事會提名委員會（「提名委員會」）成員，自 2025 年 8 月 25 日 起生效。 香港，2025年8月25日 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、廖世強先生和薛嵐女士為執行董事； 葉家祺先生為非執行董事；而 Chen Derek 先生、 Chen Penghui 先生及方遠先生為獨立非執行董事。 ...

EF001 其他信息 其他信息 不適用 發行人董事 在本公告日期，本公司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、廖世強先生和薜嵐女士為執行董事；葉家祺先 第 2 頁 共 2 頁 v 1.1.1 EF001 免責聲明 | 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 | | | --- | --- | | 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的任何損失承擔任何責任。 | | | 股票發行人現金股息公告 | | | 發行人名稱 | 維信金科控股有限公司 | | 股份代號 | 02003 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年6月30日止六個月之中期股息 | | 公告日期 | 2025年8月25日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣 ...

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2025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2025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 | | | | --- | --- | --- | --- | | | 2025年 | 2024年 | 變 動 | | | 人民幣百萬元 | 人民幣百萬元 | | | 總收入 | 2,499.9 | 1,738.4 | 43.8% | | 利息及類似收入 | 1,089.5 | 1,068.3 | 2.0% | | 減：利息支 ...

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。 董事會會議召開日期 維信金科控股有限公司（「本公司」）董事會（「董事會」）宣佈，將於 2025 年 8 月 25 日（星期一）假座香港金鐘道 88 號太古廣場 2 座 19 樓 1918 室舉行董事會 會議，以批准（其中包括）本公司及其附屬公司截至 2025 年 6 月 30 日止六個月的未 經審核財務報表和中期業績公告，並宣派中期股息（如有）。 承董事會命 維信金科控股有限公司 主席 馬廷雄 香港，2025年8月12日 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、廖世強先生和薛嵐女士為執行董事； 葉家祺先生為非執行董事；而 Chen Derek 先生、 Chen Penghui 先生及方遠先生為獨立非執行董事。 ...