2025年第一季度持续经营业务收入为3.68亿元，较上一年度同期的7.23亿元下降49.2%，主要由于云服 务平台收入减少3.17亿元所致。 2025年第一季度实施收入为1.43亿元，较上一年度同期的1.57亿元下降 9.2%，主要由于中国实施金融服务系统的需求下降所致。2025年第一季度获客服务收入为500万元，较 上一年度同期的1300万元下降59.2%，主要由于数字化信贷管理解决方案中的放款系统的交易量减少所 致。2025年第一季度风险管理服务收入为5500万元，较上一年度同期的6500万元下降15.8%，主要由于 银行相关的风险分析解决方案交易量减少所致。2025年第一季度运营支持服务收入为1.22亿元，较上一 年度同期的1.34亿元下降9.2%，主要由于智能语音服务解决方案收入有所减少。2025年第一季度来自云 服务平台的收入为200万元，较上一年度同期的3.18亿元下降 99.5%，主要由于自2024年7月起战略性逐 步终止云服务所致，有关详情此前已在本公司日期为2024年7月11日的公告有关我们最新业务运营信息 中披露。2025年第一季度开发后维护服务收入为2000万元，较上一年度同期的1500 ...

Financial Performance - OneConnect Financial Technology Co., Ltd. reported its unaudited financial performance for the first quarter ending March 31, 2025[12]. - The financial summary for Q1 2025 will be detailed in a press release scheduled for May 28, 2025[14]. - Revenue from continuing operations for Q1 2025 was RMB 368 million, a decrease of 49.2% compared to RMB 723 million in the same period last year[16][22]. - The gross profit margin for continuing operations was 28.5%, down from 37.7% in the previous year, reflecting a decline in economies of scale due to reduced revenue[24]. - The net loss attributable to owners for continuing operations was RMB 38 million, compared to RMB 54 million in the same period last year, with a net profit margin of -10.4%[16][17]. - Revenue from the digital banking segment was RMB 104 million, a decrease of 35.6% year-over-year, primarily due to reduced customer acquisition and risk management service transactions[20][21]. - Revenue from the digital insurance segment increased by 8.1% year-over-year to RMB 143 million, driven by higher demand for digital insurance solutions[21]. - The company reported a significant decline in cloud service platform revenue, which fell by 99.5% to RMB 2 million, due to a strategic phase-out of cloud services starting July 2024[19][21]. - Operating expenses for continuing operations totaled RMB 156 million, down from RMB 342 million in the previous year, with the percentage of operating expenses to revenue decreasing from 47.3% to 42.3%[25]. - Research and development expenses for continuing operations were RMB 62 million, a reduction from RMB 213 million year-over-year, reflecting a shift to investment return-oriented project management[25]. - The company reported a basic and diluted loss per American Depositary Share of RMB -1.06, an improvement from RMB -1.48 in the same period last year[16][17]. - In Q1 2025, the operating loss from continuing operations was RMB 56 million, compared to RMB 66 million in the same period last year, resulting in an operating profit margin of -15.3% versus -9.2% year-over-year[26]. - The loss attributable to shareholders from continuing operations in Q1 2025 was RMB 38 million, down from RMB 54 million in the previous year, with a basic and diluted loss per American Depositary Share of RMB -1.06 compared to RMB -1.48[27]. - Total revenue for continuing operations in Q1 2025 was RMB 367.8 million, a significant decrease from RMB 723.3 million in Q1 2024[35]. - The gross profit for continuing operations in Q1 2025 was RMB 104.9 million, compared to RMB 272.4 million in the same quarter last year[35]. - Research and development expenses in Q1 2025 were RMB 61.6 million, down from RMB 213.2 million year-over-year[35]. - The net financial income for Q1 2025 was RMB 13.8 million, compared to RMB 6.1 million in the previous year[35]. Cash Flow and Assets - The net cash used in operating activities for Q1 2025 was RMB 190 million, while cash used in investing activities was RMB 825 million, and cash used in financing activities was RMB 6 million[28]. - Cash and cash equivalents significantly dropped to RMB 924,955 thousand from RMB 1,947,922 thousand, a decrease of 52.6%[41]. - The company reported a net cash outflow from investing activities of RMB (824,942) thousand, contrasting with a net inflow of RMB 255,848 thousand in the previous year[41]. - As of March 31, 2025, total assets amounted to RMB 3,707,728 thousand, a decrease of 6.5% from RMB 3,967,252 thousand as of December 31, 2024[38]. - Current assets decreased to RMB 3,131,029 thousand from RMB 3,397,304 thousand, reflecting a decline of 7.8%[38]. - The company’s cash and cash equivalents decreased by RMB 1,020,383 thousand during the quarter, compared to an increase of RMB 39,641 thousand in the same quarter of the previous year[41]. - Total liabilities decreased to RMB 1,254,033 thousand from RMB 1,463,309 thousand, a reduction of 14.3%[39]. - The total equity attributable to owners of the company was RMB 2,512,936 thousand, down from RMB 2,558,452 thousand, reflecting a decrease of 1.8%[39]. - The company recorded a cumulative loss of RMB (8,371,653) thousand as of March 31, 2025, compared to RMB (8,333,291) thousand at the end of 2024[39]. - Non-current assets totaled RMB 576,699 thousand, slightly up from RMB 569,948 thousand, indicating a marginal increase of 1.3%[38]. Corporate Developments - The company is currently undergoing a privatization proposal in collaboration with Platinum Group Limited[4]. - The company emphasizes the importance of maintaining relationships with strategic partners, particularly Ping An Group[8]. - The board of directors collectively assumes responsibility for the accuracy of the information contained in the announcement[10]. - The company has established long-term partnerships with financial institutions to support their digital transformation needs and has expanded services to other participants in the financial services ecosystem[29]. - The company has prepared estimated consolidated results for the three months ending March 31, 2025, based on management accounts[53]. - The accounting policies and calculation methods for the estimates have been reviewed and deemed appropriate by the auditors, ensuring consistency with the audited financial statements for the year ending December 31, 2024[54]. - The estimates have been made after careful consideration and are believed to be prudent[55]. Risks and Advisories - The report includes forward-looking statements that involve risks and uncertainties, which may cause actual results to differ significantly[7]. - Shareholders and potential investors are advised not to overly rely on the Q1 performance when trading the company's securities[9]. - The financial advisor and auditor have provided reports on the estimates made in the announcement[5].

在此背景下，金融科技作为推动民营经济融资创新的关键力量，迎来了新的发展机遇。金融壹账通作为 行业先行者之一，凭借前瞻性布局抢占先机，通过深度参与多地金融创新实践。同时，作为平安唯一对 外金融科技输出窗口，金融壹账通秉持平安 "省心、省时又省钱" 的 "三省"工程理念，将其作为服务民 营经济的核心指引，持续探索金融科技的深度应用，致力于通过技术创新为民营经济提供更加便捷、高 效的金融服务，为破解小微企业融资难题提供技术支撑与实践范例，成为推动民营经济高质量发展的重 要助力。 战略预判：穿透政策周期的基建先行者 《民营经济促进法》确立"数据信用替代抵押" 机制时，金融壹账通已提前在地方完成技术到模式的全 流程探索。这种预判能力源于对民营经济融资痛点的深度解构，通过数字基建提前疏通堵点。 5月20日正式施行的《中华人民共和国民营经济促进法》，标志着我国民营经济发展进入法治化新阶 段。这部被誉为"民营经济宪法"的基础性法律，首次以立法形式明确"数据信用替代抵押"等创新机制， 通过制度创新破解融资瓶颈、激发创新动能，为民营经济高质量发展提供坚实保障。 金融壹账通的技术赋能不仅提升了金融机构的效率，更显著地为民营经济带来 ...

资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在已上市的中国商业科技服务提供商中排名第 二。·公司于2021年9月提出"一体两翼"升级战略,以服务金融机构数字化转型为一体,同步拓展生态和境 外两翼,积极推动金融服务生态的整体数字化转型。·2022年7月公司正式在香港交易所挂牌上市。金融壹 账通拥有强大的人工智能、大数据和区块链等前沿科技实力。截至2023年12月31日,公司累计荣获305项 国内外奖项,其中连续6年入围毕马威"中国领先金融科技50企业"榜单(2018-2023)及IDC FinTec ...

（"金融赋能科技创新与发展"主题论坛，图片由主办方提供。） 深圳商报·读创客户端首席记者 谢惠茜 近日，为期两天的2025清华五道口全球金融论坛在深圳举办。近百位中外高级别政经领袖、重磅专家学者齐聚，展开 深入的思想碰撞与观点交锋，为全球经济金融的发展探寻新路径、注入新智慧。金融壹账通银行事业部总经理、中小 银行联盟秘书长贾燕菁出席该活动的第八个主题讨论会议，与重庆市原市长黄奇帆、国家科技成果转化引导基金理事 长马蔚华等嘉宾围绕会议主题"金融赋能科技创新与发展"共同探讨交流，分享真知灼见。 （金融壹账通银行事业部总经理、中小银行联盟秘书长贾燕菁，图片由主办方提供。） 面对上述痛点，贾燕菁提出"智能化实时风控、数据价值重构、专利估值"三位一体的金融机构服务科创企业策略框 架： 其次是数据资产的价值重构，企业丰富和庞大数据的有效积累，有助于金融机构的风险管理。例如，平安集团已构建 九大数据库，包括三大金融数据库（客户库、产品库、企业库），五大医疗数据库，一个公司经营库；金融、医疗数 据库包含30万亿字节数据，成为全球最大金融、医疗数据库之一。 再者是科创企业专利知识产权的有效沉淀，为金融机构对企业的估值，特别是破 ...

金融壹账通私有化再进一步。5月19日，北京商报记者注意到，金融壹账通日前发布公告称，要约人铂煜有限公司（以下简称"铂煜公司"）要求董事会以协 议安排方式，将公司私有化提出建议。一经批准及实行，需以现金向计划股东支付注销价，撤销金融壹账通于港交所、纽交所的上市地位。 股份注销溢价23.1% 值得一提的是，在本次公告中，金融壹账通提到了私有化的多项原因，包括股价低迷、业绩亏损等。公告指出，公司股价长期低迷，自2019年于纽交所上市 以来，美国存托股价格已下跌超过95%，部分原因为结构性的低水平流动性、投资者信心减退及券商研报覆盖不足。同时港交所交易流通量一直偏低，流动 性不足限制股份对市场参与者的吸引力，并影响其价格以及股东在不对价格造成不利影响的情况下大量买卖股份的能力。 私有化价格方面，公告指出，注销价2.068港元较最后交易日于港交所报收市价每股股份1.68港元溢价约23.1%。受此消息影响，5月16日，金融壹账通港股 大幅走高，收报1.93港元，日内涨幅达14.88%，股价创2023年2月以来新高；同日美股涨幅超过9%，收报7.21美元。5月19日，金融壹账通港股盘中走弱，每 股报1.89港元，下跌1.5 ...

本文源自：金融界 5月15日，金融壹账通(OCFT)开盘上涨5.6%，截至21:30，报6.98美元/股，成交9.83万美元，总市值2.72 亿美元。 作者：行情君 财务数据显示，截至2024年12月31日，金融壹账通收入总额22.48亿人民币，同比减少36.16%；归母净 利润-4.6亿人民币，同比减少26.73%。 5月20日，金融壹账通将披露2025财年一季报（数据来源于纳斯达克官网，预计披露日期为美国当地时 间，实际披露日期以公司公告为准）。 资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在 ...

作者：行情君 资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在已上市的中国商业科技服务提供商中排名第 二。·公司于2021年9月提出"一体两翼"升级战略,以服务金融机构数字化转型为一体,同步拓展生态和境 外两翼,积极推动金融服务生态的整体数字化转型。·2022年7月公司正式在香港交易所挂牌上市。金融壹 账通拥有强大的人工智能、大数据和区块链等前沿科技实力。截至2023年12月31日,公司累计荣获305项 国内外奖项,其中连续6年入围毕马威"中国领先金融科技50企业"榜单(2018-2023)及IDC ...

财务数据显示，截至2024年12月31日，金融壹账通收入总额22.48亿人民币，同比减少36.16%；归母净 利润-4.6亿人民币，同比减少26.73%。 大事提醒： 5月20日，金融壹账通将披露2025财年一季报（数据来源于纳斯达克官网，预计披露日期为美国当地时 间，实际披露日期以公司公告为准）。 资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在已上市的中国商业科技服务提供商中排名第 二。·公司于2021年9月提出"一体两翼"升级战略,以服务金融机构数字化转型为一体,同步拓展生态和境 外两翼,积极 ...

Financial Performance - For the year ended December 31, 2024, the revenue from continuing operations was RMB 2,248.1 million, a decrease of 36.2% compared to RMB 3,521.6 million for the year ended December 31, 2023[10]. - The gross profit margin for continuing operations was 35.8% for the year ended December 31, 2024, down from 37.7% for the year ended December 31, 2023[10]. - The net loss attributable to owners from continuing operations was RMB 669.2 million for the year ended December 31, 2024, compared to RMB 211.3 million for the year ended December 31, 2023[10]. - The net loss margin attributable to owners from continuing operations was -29.8% for the year ended December 31, 2024, compared to -6.0% for the year ended December 31, 2023[10]. - The basic and diluted loss per American Depositary Share from continuing operations was RMB 18.42 for the year ended December 31, 2024, compared to RMB 5.82 for the year ended December 31, 2023[10]. - The total net loss attributable to owners from both continuing and discontinued operations was RMB 459.7 million for the year ended December 31, 2024, compared to RMB 362.7 million for the year ended December 31, 2023[10]. - The net loss margin attributable to owners from both continuing and discontinued operations was -20.4% for the year ended December 31, 2024, compared to -10.3% for the year ended December 31, 2023[10]. - The operating loss for the year ended December 31, 2024, was RMB 303.5 million, compared to an operating loss of RMB 217.3 million for the year ended December 31, 2023[10]. - The gross profit from continuing operations dropped by 39.3% from RMB 1,326.0 million in 2023 to RMB 804.5 million in 2024, with a gross margin of 35.8% compared to 37.7% in 2023[35]. - The company recorded a net loss of RMB 83.5 million in other income, gains, or losses for the year ended December 31, 2024, compared to a gain of RMB 69.2 million in 2023, primarily due to goodwill impairment[40]. Revenue Sources - Revenue from Ping An Group and Lufax was RMB 1,307.1 million for the year ended December 31, 2024, a decrease of 44.6% from RMB 2,360.1 million for the year ended December 31, 2023[9]. - Revenue from third-party customers was RMB 941.0 million for the year ended December 31, 2024, a decrease of 19.0% from RMB 1,161.5 million for the year ended December 31, 2023[9]. - The revenue growth rate assumption for the cash-generating unit was revised down to -25% to 10% for 2024, compared to -10% to 13% for 2023[45]. - The largest customer, Ping An Insurance Group, accounted for approximately 53.0% of total revenue from continuing operations for the year ended December 31, 2024, down from 59.4% in 2023[153]. - The top five customers generated about 64.5% of total revenue from continuing operations for the year ended December 31, 2024, compared to 70.5% in 2023[153]. Strategic Initiatives - The company aims to reduce its revenue concentration from the Ping An Group, which has been impacted by adverse macroeconomic conditions and industry challenges[15]. - The company is focused on enhancing its digital capabilities to improve operational efficiency and customer service[16]. - The company plans to invest most of its remaining liquidity into R&D and expand its ecosystem and overseas business, focusing on fintech and AI industries[30]. - The company is enhancing its long-term strategic planning for product and overseas development management in 2024[79]. - The company is focused on exploring innovative technologies in the financial sector to drive digital transformation[87]. Operational Changes - The company completed the sale of its virtual banking business to Lufax Holdings for cash consideration of HKD 933 million on April 2, 2024[12]. - The company plans to phase out cloud services starting July 2024, leading to a significant decline in revenue from this segment in the second half of 2024[22]. - The company has decided to gradually terminate its cloud services starting July 2024, impacting its revenue and operational performance[41]. - The company completed the sale of Ping An OneConnect Bank (Hong Kong) Limited for a cash consideration of HKD 933 million, resulting in a post-tax gain of RMB 260.1 million[64]. - The company completed the sale of Jin Yi Tong Limited and its subsidiary, PAO Bank Limited, for a cash consideration of HKD 933 million, allowing the company to focus on technology-driven products and services[167]. Research and Development - R&D expenses decreased by 46.5% from RMB 955.2 million in 2023 to RMB 510.9 million in 2024, mainly due to lower labor costs[36]. - The company has achieved significant advancements in product upgrades and algorithm model enhancements for digital retail and credit solutions in 2024[18]. - The company is committed to providing comprehensive learning opportunities for employees to enhance efficiency and service[87]. Risk Management - The company has established a comprehensive concentration risk management policy and limit framework to monitor and ensure effective execution[75]. - The company has a robust information technology risk management system to address potential risks such as data breaches and unauthorized access[80]. - The company is implementing measures to strengthen its reputation risk management framework, including proactive identification of potential risks[83]. - The company has established a liquidity risk management mechanism to ensure it can meet operational and external debt obligations under reasonable stress scenarios[84]. - The company has established a risk management framework overseen by the board, which includes setting risk management objectives and policies[122]. Corporate Governance - The board consists of one executive director (Chairman and CEO), four non-executive directors, and four independent non-executive directors as of December 31, 2024[93]. - The company has established a mechanism to ensure the board receives independent views and opinions, maintaining a strong level of independence[96]. - The company has complied with all applicable code provisions during the reporting period, except for specific deviations disclosed in the report[88]. - The company has adopted a board diversity policy, which considers various factors such as professional experience and gender when selecting board candidates[113]. - The company has established an Audit Committee and a Remuneration and Nomination Committee, with the majority of members being independent non-executive directors[103]. Employee Information - The total number of employees as of December 31, 2024, was 1,937, with the majority (1,226) in research and development[70]. - Employee benefits expenses for ongoing operations amounted to RMB 929.0 million for the year ended December 31, 2024[71]. - The total number of full-time employees as of December 31, 2024, is approximately 66% male and 34% female, with ongoing efforts to ensure gender diversity in senior management recruitment[114]. - Employee compensation is linked to performance, and the company provides various benefits and training to enhance productivity[157]. Related Party Transactions - The company is involved in ongoing related party transactions with its controlling shareholder, Ping An, and its subsidiaries[170]. - The total value of right-of-use assets related to property lease agreements with Ping An's subsidiaries was RMB 28.58 million, while the actual transaction amount was RMB 15.24 million[172]. - The transaction amount paid by Ping An's subsidiaries and associates for services and products was RMB 3,850 million, with an actual transaction amount of RMB 1,343.52 million[172]. - The maximum daily balance of deposits held by the group with Ping An's subsidiaries was RMB 1,140.64 million, with interest income from these deposits amounting to RMB 17.65 million, and the actual interest income was RMB 15.05 million[172]. - The maximum daily balance of financial products purchased from Ping An's subsidiaries was RMB 1,140.64 million, with investment income received amounting to RMB 19.26 million, while the actual investment income was RMB 8.84 million[172].