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。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 截至2024年6月30日止六個月的中期業績公告 壹賬通金融科技有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈本公 司及其附屬公司以及其他綜合實體（統稱「本集團」）截至2024年6月30日止六個月 （「報告期」）的未經審核中期綜合業績，連同2023年同期的比較數字。 於本公告中，「我們」指本公司，倘文義另有所指，指本集團。 財務表現摘要 • 截至2024年6月30日止六個月的持續經營業務1收入從2023年同期的人民幣 1,833.0百萬元減少22.8%至人民幣1,415.8百萬元。 • 截至2024年6月30日止六個月的持續經營業務毛利率為37.1%，而2023年同 期為37.5%；截至2024年 ...

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。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 內幕消息 截至2024年6月30日止第二季度及半年度的未經審核財務業績 及 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.09條及 證券及期貨條例（第571章）第XIVA部刊發。 壹賬通金融科技有限公司（「本公司」或「壹賬通」）欣然公佈根據美國證券交易委員 會的適用規則刊發的本公司及其附屬公司以及綜合聯屬實體截至2024年6月30日 止第二季度及半年度的未經審核財務業績（「第二季度及上半年業績」）。 本文附表一為本公司於2024年8月16日（美國東部時間）刊發的有關第二季度及上 半年業績的新聞稿全文，其中部分內容可能構成本公司的內幕消息。 本公司亦根據上市規則第13.10B ...

Financial Performance - For Q1 2024, OneConnect reported revenue from continuing operations of RMB 723 million, a decrease of 19.1% from RMB 894 million in the same period last year[8][18]. - The operating loss from continuing operations decreased by 15.1% to RMB 66 million, compared to RMB 78 million in the previous year[9]. - The net loss attributable to shareholders for continuing operations decreased by 25.9% to RMB 54 million, down from RMB 72 million in the previous year[23]. - The basic and diluted loss per American Depositary Share for continuing operations improved to RMB -1.48 from RMB -2.00 in the previous year[10][23]. - The net loss attributable to continuing operations decreased by 25.9% to RMB 54 million in Q1 2024, down from RMB 72 million in the same period last year, with a net profit margin of -7.4%[30]. - The company reported a net loss from continuing operations of RMB 60.375 million, compared to a loss of RMB 76.621 million in the previous year[69]. - For the three months ended March 31, 2024, the company reported a total comprehensive loss of RMB 101,504 thousand, compared to a loss of RMB 162,248 thousand for the same period in 2023, representing a 37.4% improvement year-over-year[70]. - The loss attributable to owners of the company from continuing operations was RMB 50,420 thousand, a decrease of 52.7% from RMB 106,337 thousand in the prior year[70]. Revenue Breakdown - The revenue from the digital banking segment fell by 37.6% to RMB 162 million, primarily due to a decrease in transaction volumes for customer service and risk management services[17]. - The revenue from the digital insurance segment decreased by 25.3% to RMB 132 million, attributed to changes in the business model from contractor to distributor[17]. - Revenue from the Ping An Group decreased by 21.4% to RMB 421.80 million, while revenue from third-party clients decreased by 14.8% to RMB 243.22 million[31]. - The company reported a 14.8% year-on-year increase in revenue from third-party overseas clients in Q1 2024[32]. - Implementation revenue fell by 25.0% year-over-year to RMB 157 million, primarily due to reduced demand for banking system products and data platform system products[55]. - Customer service revenue decreased by 73.8% year-over-year to RMB 13 million, attributed to a decline in transaction volume for marketing management and lending systems[55]. - Risk management service revenue declined by 15.8% year-over-year to RMB 65 million, due to lower transaction volumes in risk analysis solutions related to banking[55]. - Operating support service revenue dropped by 39.8% year-over-year to RMB 134 million, as the business model shifted from contractor to distributor in the automotive ecosystem[55]. - Cloud service platform revenue increased by 8.9% year-over-year to RMB 318 million, driven by higher transaction volumes in cloud services[55]. Cost and Expenses - The cost of revenue for continuing operations decreased by 19.4% to RMB 451 million, reflecting a greater reduction in costs than revenue due to the elimination of low-value projects[19]. - Total operating expenses for continuing operations decreased from RMB 416 million to RMB 342 million, with the percentage of expenses to revenue rising from 46.5% to 47.3%[59]. - General and administrative expenses increased slightly from RMB 80 million to RMB 81 million, with the percentage of these expenses to revenue rising from 9.0% to 11.1%[60]. - Research and development expenses were optimized by 22.8% year-over-year, reflecting a strategic allocation of resources towards high-quality products[15]. - Research and development expenses for continuing operations in Q1 2024 decreased from RMB 276 million to RMB 213 million, representing 29.5% of revenue, down from 30.9% in the previous year[38]. Assets and Equity - Total current assets increased to RMB 6,921 million from RMB 5,358 million year-on-year[50]. - Total assets rose to RMB 8,141 million compared to RMB 8,068 million in the previous year[52]. - Total equity decreased to RMB 2,847 million from RMB 2,947 million year-on-year[51]. - The total equity attributable to owners of the company was RMB 2,873,100 thousand, down from RMB 2,966,771 thousand year-over-year, a decline of 3.1%[73]. - Total non-current assets decreased to RMB 1,220,237 thousand from RMB 2,709,390 thousand year-over-year, reflecting a significant reduction in intangible assets[72]. Cash Flow - The net cash used in operating activities was RMB 155 million, while net cash from investing activities was RMB 256 million[62]. - The net cash used in operating activities was RMB (115,236) thousand, an improvement from RMB (613,264) thousand in the previous year, indicating a 81.2% reduction in cash outflow[76]. - The company reported a net cash inflow from investing activities of RMB 255,848 thousand, compared to RMB 407,066 thousand in the same period last year, reflecting a decrease of 37.0%[76]. - Cash and cash equivalents at the end of the period were RMB 1,420,891 thousand, down from RMB 1,646,431 thousand in the previous year, showing a decrease of 13.7%[76]. Strategic Focus - The company aims to enhance its self-research capabilities and develop high-value, high-threshold products in the evolving fintech industry[33]. - The company is actively monitoring the situation regarding the potential cessation of cloud services by several subsidiaries of Ping An Insurance Group[33]. - The company has established long-term partnerships with financial institutions to support their digital transformation needs and has successfully exported technology solutions to overseas financial institutions[42]. - The company is focused on maintaining and expanding its customer base while enhancing customer engagement, amidst various market and regulatory challenges[44].

Financial Performance - The company's net loss narrowed by 58.4% to RMB 362.7 million for the year ended December 31, 2023, compared to RMB 872.3 million for the previous year[5]. - Total revenue decreased by 17.8% to RMB 3,667.5 million, down from RMB 4,464.0 million in the previous year[6]. - The operating loss for the year ended December 31, 2023, narrowed by 62.5% to RMB 368.2 million, compared to RMB 981.6 million for the year ended December 31, 2022[26]. - The basic and diluted loss per ordinary share for the year ended December 31, 2023, was RMB -0.33, compared to RMB -0.80 for the year ended December 31, 2022[46]. - Total revenue decreased by 17.8% to RMB 3,667.5 million year-on-year, while the net loss attributable to shareholders narrowed by 58.4% to RMB 362.7 million[31]. - Gross profit decreased by 17.5% from RMB 1,635.0 million in 2022 to RMB 1,349.4 million in 2023, while gross margin improved from 36.6% to 36.8%[120]. - Cash and cash equivalents as of December 31, 2023, were RMB 1,379.5 million, down from RMB 1,907.8 million in 2022[101]. - The capital-to-debt ratio as of December 31, 2023, was 10.3%, a decrease from 11.6% in 2022[109]. - Income tax expenses increased by 115.7% from a tax benefit of RMB 62.1 million in 2022 to an expense of RMB 9.8 million in 2023 due to increased taxable profits[95]. - The company did not recommend a final dividend for the year ending December 31, 2023[92]. Revenue Breakdown - Revenue from Ping An Group fell by 17.2% to RMB 2,091.0 million, while revenue from Lufax decreased by 41.4% to RMB 269.1 million[6]. - Revenue from the technology solutions segment fell by 19.2% to RMB 3,521.6 million, primarily due to declines in customer service and operational support services[161]. - Customer service revenue dropped by 65.6% to RMB 132.1 million, attributed to decreased transaction volumes and the elimination of low-value products in the digital banking business[161]. - Operational support services revenue decreased by 24.5% to RMB 861.1 million, mainly due to reduced demand from insurance and banking clients[161]. - Virtual banking revenue increased by 136.7% from RMB 56.7 million in 2022 to RMB 134.2 million in 2023 due to rapid growth in virtual banking operations[125]. - Interest and commission income from virtual banking increased from RMB 106.5 million in 2022 to RMB 145.9 million in 2023, driven by increased customer demand for loans and advances[113]. - The revenue contribution from the consolidated affiliated entities accounted for 88.9% of the company's total revenue during the reporting period[156]. Cost Management - Sales and marketing expenses decreased by 33.1% to RMB 275.4 million from RMB 411.4 million in the previous year, primarily due to a reduction in labor costs[79]. - General and administrative expenses decreased by 38.8% from RMB 824.7 million in 2022 to RMB 505.0 million in 2023 due to ongoing cost optimization measures[80]. - Research and development expenses decreased by 32.6% from RMB 1,417.7 million in 2022 to RMB 955.2 million in 2023, primarily due to reduced labor costs and selective investment in profitable projects[129]. Strategic Initiatives - The company launched a comprehensive end-to-end car insurance solution, expanding its offerings beyond just claims to include underwriting and services[13]. - In 2023, the company signed new project collaborations with 16 major banks, enhancing its penetration in the digital banking sector[18]. - The company established a new operational agreement with a leading insurance institution in Hong Kong, marking a significant entry into the local insurance market[14]. - The company continues to enhance its digital banking solutions, focusing on digital retail, credit, and operations to support the digital transformation of financial institutions[32]. - A strategic partnership was established with a well-known global insurance company to promote digital transformation in the insurance sector, enhancing customer experience and operational efficiency[58]. - The company is focused on expanding its digital financial services and regulatory platforms to enhance financial inclusion and optimize market risk control[56]. Product Development and Innovation - The "Super Brain" product has received multiple certifications and is being implemented in 18 major state-owned and joint-stock banks, aiding in operational decision-making and risk management[34]. - The company is focused on product upgrades and enhancing customer experience through improved application efficiency and system compatibility[17]. - The company achieved recognition for its digital banking solutions, winning multiple market awards, including the second prize in the People's Bank of China "Financial Technology Development Award" for its financial data privacy computing platform[60]. - The company’s digital credit platform was recognized as an outstanding case in financial technology innovation for inclusive finance in 2023[57]. Corporate Governance and Compliance - The company’s board of directors confirmed that there are no significant uncertainties affecting the group's ability to continue as a going concern[74]. - The company has adjusted its American Depositary Share ratio, with one ADS representing thirty ordinary shares, effective from December 2022[27]. - The company agreed to sell its stake in Ping An OneConnect Bank (Hong Kong) for HKD 933.0 million, allowing the company to focus on technology-driven products and services[134]. - The estimated gain from the sale of the stake is projected to be RMB 262 million, subject to final audit and currency conversion adjustments[134]. - The company has established service and product agreements with Ping An's subsidiaries, which will pay for services related to banking and non-banking fintech solutions[141]. Risk Management - Financial and contract asset impairment losses increased from RMB 33.6 million in 2022 to RMB 54.0 million in 2023, primarily due to an increase in receivable days[81]. - The group will ensure that deposit rates will not be lower than rates published by the People's Bank of China for similar deposits[146]. - The group will ensure that the terms for derivative products provided by Ping An's subsidiaries are comparable to those offered to independent third-party buyers[173]. - The group has entered into an insurance service procurement agreement with Ping An Property & Casualty Insurance Company, extended to December 31, 2024[175].

Financial Performance - For the fiscal year ending December 31, 2023, the operating loss narrowed by 62.5% to RMB 368.2 million, compared to RMB 981.6 million for the fiscal year ending December 31, 2022[2]. - The net loss attributable to shareholders decreased by 58.4% to RMB 362.7 million for the fiscal year ending December 31, 2023, from RMB 872.3 million in the previous year[12]. - The company reported a total comprehensive loss of RMB 344.76 million for the year ended December 31, 2023, compared to a loss of RMB 496.56 million in 2022[104]. - The company's loss before income tax decreased to RMB 361.7 million in 2023 from RMB 990.2 million in 2022[63]. - The company recorded a net loss of RMB 648,461 thousand for the year 2023, compared to a loss of RMB 745,984 thousand in 2022, indicating an improvement in performance[155]. Revenue and Profitability - Total revenue for the fiscal year ending December 31, 2023, was RMB 3,667.5 million, a decrease of 17.8% from RMB 4,464.0 million in 2022[4]. - The company's gross profit for the year was RMB 1,349.4 million, down from RMB 1,635.0 million in 2022, indicating a decrease of about 17.5%[127]. - The gross profit margin for the fiscal year ending December 31, 2023, was 36.8%, slightly up from 36.6% in 2022[11]. - The company's technology solutions revenue decreased by 19.2% year-on-year to RMB 3,521.6 million in 2023, primarily due to a decline in customer service and operational support service revenue[52]. - The company reported a decrease in contract assets from RMB 182,480 thousand in 2022 to RMB 153,204 thousand in 2023, reflecting a decline of approximately 16%[171]. Expenses and Cost Management - Research and development expenses decreased by 32.6% from RMB 1,417.7 million in 2022 to RMB 955.2 million in 2023, mainly due to lower labor costs[83]. - Sales and marketing expenses decreased by 33.1% from RMB 411.4 million in 2022 to RMB 275.4 million in 2023, primarily due to a decline in labor costs[84]. - General and administrative expenses decreased by 38.8% from RMB 824.7 million in 2022 to RMB 505.0 million in 2023, mainly due to ongoing cost optimization measures[85]. - Employee benefits expenses for the year amounted to RMB 1,302.8 million, reflecting the company's commitment to employee compensation and welfare[125]. Market and Business Development - The company is continuously expanding its international business and enhancing its digital infrastructure offerings[9]. - The company is actively pursuing market expansion in the Middle East, having entered the market in 2022 to develop a financing platform for SMEs in Abu Dhabi[28]. - The company aims to enhance its solutions by integrating new, rigorously tested product modules to empower clients' digital transformation[48]. - The company aims to expand its overseas business and establish new customer relationships to enhance market coverage and diversify its customer base[75]. Technology and Innovation - The company provides comprehensive technology solutions to financial institutions, helping them accelerate digital transformation[9]. - The digital banking solutions are designed to enhance overall digital capabilities for banks, focusing on retail, credit, and operational management to drive business growth and improve management efficiency[33]. - The AI customer service module has been recognized for its advanced technology, helping financial institutions reduce staffing needs and improve efficiency in customer service centers[25]. - The company has successfully implemented the "Super Brain" solution in 18 major state-owned and joint-stock banks, providing strong support for operational decision-making and asset management[20]. Financial Position and Liquidity - As of December 31, 2023, the company's debt-to-equity ratio was 10.3%, down from 11.6% as of December 31, 2022[94]. - The company's cash and cash equivalents as of December 31, 2023, were RMB 1,379.5 million, down from RMB 1,907.8 million as of December 31, 2022[114]. - The company’s net cash used in operating activities for the year ended December 31, 2023, was RMB 648.5 million, compared to RMB 746.0 million in the same period of 2022[113]. - The company’s weighted average interest rate on outstanding borrowings was 4.48% as of December 31, 2023, down from 4.61% in the previous year[115]. Future Outlook - The company plans to maintain a cautious approach in 2024, prioritizing revenue growth from third-party clients and improving profit margins[50]. - The company expects significant reduction in losses, reflecting its proactive efforts to improve financial conditions[74]. - The digital economy in China is projected to exceed RMB 60 trillion (approximately USD 8.84 trillion) by 2025, indicating significant growth potential in the sector[30].

Financial Performance - The net loss attributable to shareholders for Q4 2023 was RMB 81 million, an improvement from RMB 177 million in the same period last year, resulting in a net profit margin of -8.8%, up 5.5 percentage points from -14.3% year-over-year [5]. - For the full year 2023, the net profit margin improved to -9.9%, compared to -19.5% in the previous year [18]. - The operating loss for Q4 2023 narrowed significantly to RMB 79 million, compared to RMB 194 million in the same period last year, with an operating profit margin improvement from -15.6% to -8.6% [22]. - The net loss attributable to the parent company improved to RMB 363 million from RMB 872 million in the previous year [26]. - The basic and diluted loss per American depositary share was RMB -9.99, compared to RMB -23.90 in the previous year [27]. - The total comprehensive loss for the three months ended December 31, 2023, was RMB (109,348) thousand, compared to RMB (219,852) thousand for the same period in 2022 [82]. Revenue and Segments - Total revenue for Q4 2023 decreased by 25.6% to RMB 924.6 million, down from RMB 1,242.4 million in the same period last year [36]. - Revenue from the digital banking segment decreased by 33.3% year-over-year to RMB 247 million, primarily due to a decline in customer service and risk management service transaction volumes [21]. - Revenue from the digital insurance segment fell by 46.8% year-over-year to RMB 141 million, mainly due to reduced demand for automotive ecosystem services [21]. - Revenue from third-party customers decreased by 17.8% to RMB 363.4 million in Q4 2023, compared to RMB 441.9 million in Q4 2022 [29]. - Revenue from overseas customers grew by 37.2% to RMB 182 million in 2023, contributing significantly to overall revenue [32]. - The technology solutions segment reported a revenue of RMB 881,899 thousand, down 27.1% year-over-year from RMB 1,209,877 thousand [82]. - The virtual banking segment saw revenue increase by 31.1% year-over-year to RMB 43 million [21]. - The virtual banking business revenue increased by 31.1% to RMB 42,666 thousand for the three months ended December 31, 2023, compared to RMB 32,557 thousand in the same period of 2022 [82]. Cost and Expenses - R&D expenses for Q4 2023 decreased to RMB 197 million from RMB 390 million, with R&D expenses as a percentage of revenue dropping to 21.3% from 31.4% [40]. - In Q4 2023, general and administrative expenses decreased from RMB 255 million to RMB 169 million, representing 18.3% of revenue, down from 20.6% in the previous year [41]. - The cost of revenue in Q4 2023 decreased by 23.6% to RMB 566 million, aligning with the revenue decline, while gross profit fell from RMB 501 million to RMB 358 million, resulting in a gross margin of 38.7%, down from 40.3% [58]. - Operating expenses in Q4 2023 totaled RMB 436 million, down from RMB 745 million in the previous year, with the percentage of operating expenses to revenue decreasing from 59.9% to 47.1% [59]. - Sales and marketing expenses in Q4 2023 decreased to RMB 69 million from RMB 99 million, with the percentage of these expenses to revenue dropping from 8.0% to 7.5% [60]. Cash and Assets - The total available cash as of December 31, 2023, was RMB 2,072 million, compared to RMB 2,082 million at the end of 2022 [20]. - The total current assets decreased to RMB 5,358,968 thousand from RMB 6,374,276 thousand year-over-year [70]. - The total assets of the company decreased to RMB 8,068,358 thousand from RMB 8,882,382 thousand year-over-year [70]. - The total liabilities as of December 31, 2023, were RMB 5,120.6 million, down from RMB 5,604.3 million in the previous year [51]. - Non-current assets increased from RMB 2,508.1 million to RMB 2,709.4 million year-over-year [49]. - The total equity as of December 31, 2023, was RMB 2,947,792 thousand, down from RMB 3,278,055 thousand in the previous year [86]. Strategic Focus and Outlook - The company remains focused on improving its revenue structure and is confident in achieving sustainable growth and long-term value [20]. - The company plans to continue focusing on enhancing third-party customer revenue and improving profit margins in 2024 [32]. - The company has established long-term partnerships with financial institutions to support their digital transformation needs and has successfully exported technology solutions to overseas financial institutions [44]. - The company aims to maintain and expand its customer base while enhancing customer engagement, despite the challenges posed by regulatory changes and market conditions [45]. - The company continues to focus on optimizing its business processes and implementing strict cost control measures to improve profitability [41]. - The company expects to leverage artificial intelligence to enhance financial services and improve operational efficiency in 2024 [81]. - The company aims to support financial institutions in improving productivity and reducing costs through innovative technology solutions [81].

Financial Performance - Revenue for Q3 2023 decreased by 21.0% year-over-year to RMB 548 million, compared to RMB 694 million in the same period last year[1]. - Revenue for Q3 2023 was RMB 844 million, down 21.1% from RMB 1,069 million in the same period last year[34]. - Total revenue for the nine months ended September 30, 2023, was RMB 2.74 billion, down 14.9% from RMB 3.22 billion in the same period last year[48]. - Revenue from Ping An Group decreased by 20.6% year-over-year to RMB 476 million in Q3 2023[35]. - Revenue from Lufax Holdings dropped 48.5% year-over-year to RMB 61 million in Q3 2023[35]. - Implementation revenue fell by 13.4% year-over-year to RMB 175.2 million, attributed to new customers still recovering from the pandemic, leading to weak demand[46]. - The digital banking segment revenue for Q3 2023 was RMB 201.3 million, down 41.4% year-over-year, with a nine-month total of RMB 695.4 million, down 36.0%[47]. - Revenue from the platform segment decreased by 2.4% year-on-year to RMB 457 million, accounting for 54.1% of total revenue, primarily due to a decline in transaction volume on the open platform[61]. - Revenue from the digital insurance segment decreased by 35.2% year-on-year to RMB 149 million, primarily due to a decline in demand for automotive ecosystem services[61]. - Customer service revenue decreased by 70.9% year-on-year to RMB 27 million, mainly due to a decline in transaction volume and the active elimination of lower-value products in the digital banking segment[62]. - Revenue from risk management services decreased by 26.3% year-on-year to RMB 77 million, primarily due to slower-than-expected recovery in banking activities, leading to reduced transaction volumes for banking loan solutions[62]. - Operating support services revenue decreased by 33.5% year-on-year to RMB 195 million, mainly due to reduced demand affecting the usage of auto insurance and banking clients in the third quarter[62]. - The virtual banking segment revenue increased by 30.4% year-over-year to RMB 36.9 million, with a nine-month total of RMB 103.3 million, up 39.6%[47]. - Revenue from the cloud services platform was RMB 297 million, representing a slight increase of 0.2% year-on-year[62]. Expenses and Losses - Research and development expenses for Q3 2023 were RMB 230,189 thousand, down from RMB 287,221 thousand in Q3 2022, reflecting a reduction of approximately 19.9%[4]. - Total operating expenses reduced to RMB 401 million in Q3 2023 from RMB 548 million in Q3 2022, with the percentage of operating expenses to revenue decreasing from 51.3% to 47.5%[17]. - Operating loss significantly reduced to RMB 96 million in Q3 2023 from RMB 155 million in Q3 2022, improving the operating margin from -14.5% to -11.4%[18]. - The net loss for Q3 2023 was RMB 94,255 thousand, compared to a net loss of RMB 140,709 thousand in Q3 2022, indicating an improvement of about 33.0%[4]. - Net loss attributable to shareholders decreased to RMB 91 million in Q3 2023 from RMB 133 million in Q3 2022, with basic and diluted loss per ADS improving from RMB -3.66 to RMB -2.50[19]. - Cash used in operating activities was RMB 190 million, while cash generated from investing activities was RMB 218 million in Q3 2023[21]. Assets and Liabilities - Total assets as of September 30, 2023, were RMB 8,433,182 thousand, down from RMB 8,882,382 thousand at the end of 2022, representing a decrease of approximately 5.0%[7]. - The total liabilities as of September 30, 2023, were RMB 5,381,685 thousand, down from RMB 5,604,327 thousand at the end of 2022, indicating a reduction of approximately 4.0%[9]. - The company’s equity attributable to owners was RMB 3,073,127 thousand as of September 30, 2023, compared to RMB 3,292,707 thousand at the end of 2022, reflecting a decrease of about 6.7%[7]. - Cash and cash equivalents at the end of Q3 2023 were RMB 1,451,556 thousand, a decrease from RMB 1,907,776 thousand at the end of 2022, reflecting a decline of about 24.0%[12]. Operational Efficiency and Strategy - The company continues to focus on cost control and optimizing business processes, leading to a significant reduction in general and administrative expenses from RMB 167 million to RMB 94 million[17]. - The company is actively adjusting its product mix and implementing strategic measures to optimize cost structure and improve operational efficiency[44]. - The management is focused on identifying and improving underperforming business areas to strengthen revenue structure[44]. - The company plans to continue investing in technological innovation and organizational capabilities to enhance sales and marketing efficiency[59]. - The company aims to accelerate the development of high-value products while focusing on improving gross margins and profitability[59]. - The company is expanding its services to support the digital transformation of the financial services ecosystem, including exporting technology solutions to overseas financial institutions[23]. Upcoming Events - The earnings conference call is scheduled for November 13, 2023, at 7 PM ET, with financial performance and archived meeting records to be published on the company's investor relations website[22]. - The company plans to submit Form 6-K to the SEC on November 14, 2023, regarding Q3 performance[38]. Profitability Metrics - The company reported a gross profit of RMB 295,106 thousand for the nine months ended September 30, 2023, compared to RMB 991,339 thousand for the same period in 2022, a decrease of about 70.3%[4]. - Gross profit decreased from RMB 375 million in Q3 2022 to RMB 295 million in Q3 2023, with a slight decline in gross margin from 35.1% to 35.0%[16]. - Non-IFRS gross margin improved from 38.4% in Q3 2022 to 39.4% in Q3 2023[16]. - Gross margin slightly decreased to 35.0% from 35.1% year-over-year, while non-IFRS gross margin improved by 1.0 percentage point to 39.4%[55].

Financial Performance - For the six months ended June 30, 2023, the total comprehensive loss amounted to RMB 135,905,000, a decrease from RMB 352,758,000 in the same period of 2022, representing a 61.4% improvement[4] - The basic and diluted loss per share attributable to the owners of the company was RMB 0.17, compared to RMB 0.51 in the previous year, indicating a 66.7% reduction in loss per share[4] - The company reported a net loss of RMB 198,523 thousand, compared to a net loss of RMB 590,192 thousand in the same period of 2022, indicating a substantial reduction in losses[114] - Total revenue for the six months ended June 30, 2023, was RMB 1,899,346 thousand, a decrease of 11.8% from RMB 2,152,703 thousand in the same period of 2022[114] - Gross profit for the same period was RMB 696,233 thousand, down from RMB 759,283 thousand, reflecting a gross margin decrease[114] - Operating loss for the six months was RMB 192,939 thousand, significantly improved from a loss of RMB 632,513 thousand in the prior year[114] Assets and Liabilities - Non-current assets totaled RMB 2,227,857,000, down from RMB 2,508,106,000 as of December 31, 2022, reflecting a decrease of 11.1%[7] - Current assets decreased slightly to RMB 6,254,882,000 from RMB 6,374,276,000, a decline of 1.9%[7] - Total assets as of June 30, 2023, were RMB 8,482,739,000, down from RMB 8,882,382,000 at the end of 2022, representing a decrease of 4.5%[9] - The company's equity attributable to owners decreased to RMB 3,167,117,000 from RMB 3,292,707,000, a decline of 3.8%[9] - The total liabilities decreased to RMB 5,333,898,000 from RMB 5,604,327,000, reflecting a reduction of 4.8%[9] Cash Flow and Investments - Cash used in operating activities was RMB 632,914 thousand, a decrease from RMB 793,056 thousand in the prior period, indicating improved cash flow management[18] - Cash inflow from investing activities was RMB 298,119 thousand, significantly lower than RMB 1,507,894 thousand in the previous period, reflecting reduced investment activity[18] - The company recorded a net cash outflow from financing activities of RMB 88,901 thousand, compared to RMB 692,275 thousand in the prior period, showing a decrease in financing needs[18] - As of June 30, 2023, cash and cash equivalents totaled RMB 1,519,513 thousand, up from RMB 1,445,058 thousand at the same time last year[18] Revenue Breakdown - Revenue from technology solutions implementation increased to RMB 443,023 thousand, up 29.3% from RMB 342,611 thousand in the previous year[85] - Revenue from operational support services was RMB 471,585 thousand, down 17.6% from RMB 572,105 thousand in the prior year[85] - Revenue from customer acquisition services decreased significantly to RMB 81,127 thousand, down 63.0% from RMB 219,494 thousand in the same period last year[85] - Revenue from risk management services was RMB 150,317 thousand, a decrease of 24.3% compared to RMB 198,497 thousand in the previous year[85] - Revenue from cloud service platform was RMB 614,620 thousand, down 7.6% from RMB 665,207 thousand in the same period of 2022[85] Operational Challenges - The ongoing COVID-19 pandemic has negatively impacted the group's operations, leading to delays in project implementation and customer interactions, affecting revenue growth[38] - The board highlighted the ongoing risks and uncertainties that may affect future performance, including regulatory changes and market conditions[90] Cost Management - The company has implemented cost-cutting measures, resulting in a significant reduction in total operating expenses across various categories[114] - Research and development expenses decreased to RMB 528,039 thousand from RMB 740,513 thousand, a reduction of 28.7%[114] - The company reported a decrease in general and administrative expenses to RMB 242,118 thousand from RMB 401,921 thousand, a reduction of 39.7%[114] Future Plans and Strategies - The company plans to expand its cloud financial technology solutions and online information services in the Chinese market, leveraging its existing infrastructure[20] - The company aims to enhance its market expansion strategies and product development initiatives in the upcoming quarters to drive future growth[187]

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。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 截至2023年6月30日止六個月的 中期業績公告 壹賬通金融科技有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈本公 司及其附屬公司以及其他綜合實體（統稱「本集團」）截至2023年6月30日止六個月 （「報告期」）的未經審核中期綜合業績，連同2022年同期的比較數字。 於本公告中，「我們」指本公司，倘文義另有所指，指本集團。 財務表現摘要 • 截至2023年6月30日止六個月的第三方客戶收入從2022年同期的人民幣685.0 百萬元減少7.0%至人民幣637.2百萬元。 ...

Revenue Performance - Revenue for Q2 2023 was RMB 973 million, down 14.1% from RMB 1,134 million in the same period last year[9] - Revenue from Ping An Group was RMB 580.8 million, a decrease of 14.9% year-on-year[10] - Revenue from Lufax was RMB 73.1 million, down 31.9% year-on-year[10] - Revenue from third-party clients was RMB 319.5 million, a decrease of 7.1% year-on-year[10] - In Q2 2023, the company's revenue decreased by 14.1% year-on-year to RMB 973 million, down from RMB 1,134 million in the same period last year, primarily due to a decline in transaction-based revenue and support services[17] - Revenue for Q2 2023 decreased by 14.2% to RMB 621 million from RMB 724 million in the same period last year[24] - The revenue from the digital platform segment decreased by 6.6% year-on-year to RMB 513 million, accounting for 52.7% of total revenue, attributed to reduced transaction volumes in cloud services[23] Profitability Metrics - Gross margin remained stable at 36.2%, while non-IFRS gross margin slightly decreased to 39.3% from 40.0% year-on-year[9] - Operating loss narrowed by 71.7% to RMB 79 million, compared to RMB 278 million in the same period last year[9] - Net loss attributable to shareholders decreased by 66.7% to RMB 82 million, improving the net profit margin by 13.2 percentage points to -8.4% from -21.6% year-on-year[9] - The company's gross profit margin increased from 35.3% to 36.7% year-on-year, while the net profit margin improved from -26.1% to -10.0%, reflecting a 16.1 percentage point year-on-year increase[19] - The basic and diluted net loss per American Depositary Share was RMB -2.25, compared to RMB -6.70 in the same period last year[10] - The net loss for the three months ended June 30, 2023, was RMB 85,508 thousand, an improvement from a net loss of RMB 257,884 thousand in the same period of 2022[40] Operating Expenses - Operating expenses for Q2 2023 decreased to RMB 440 million from RMB 678 million, representing 45.3% of revenue, down 14.5 percentage points[26] - R&D expenses for Q2 2023 decreased to RMB 240 million from RMB 378 million, accounting for 24.7% of revenue, down from 33.3%[26] - The company's cash used in operating activities for Q2 2023 was RMB 20 million, while cash used in investing activities was RMB 109 million[29] - The net cash used in operating activities for the six months ended June 30, 2023, was RMB (632,914) thousand, compared to RMB (793,056) thousand for the same period in 2022[49] Business Segments - The implementation revenue grew by 36.4% year-on-year to RMB 233 million, driven by contributions from new customer projects and ongoing delivery of existing contracts[15] - The digital banking segment's revenue decreased by 33.9% year-on-year to RMB 235 million, primarily due to reduced transaction volumes in customer acquisition and risk management services[16] - The digital insurance segment's revenue fell by 6.4% year-on-year to RMB 191 million, mainly due to decreased demand for automotive ecosystem services[16] - The overseas business continued to show strong growth, with revenue from the Hong Kong virtual banking business increasing by 39.7% year-on-year to RMB 34 million[15] Strategic Focus and Outlook - The company aims to maintain and expand its customer base while enhancing customer engagement[4] - Future outlook includes a focus on technological improvements and potential market expansion opportunities[4] - The company is focusing on improving the net profit margin for sustainable long-term growth in 2023[19] - The company is closely monitoring macroeconomic conditions and focusing on strategic execution to seize new opportunities[13] - The company continues to focus on digital transformation solutions for financial institutions, expanding its service offerings to support the financial services ecosystem[32] Financial Position - The total assets as of June 30, 2023, amounted to RMB 8,482,739 thousand, a decrease from RMB 8,882,382 thousand as of December 31, 2022, representing a decline of about 4.5%[42] - The company's cash and cash equivalents were RMB 1,519,513 thousand as of June 30, 2023, down from RMB 1,907,776 thousand at the end of 2022, indicating a decrease of approximately 20.4%[42] - The total equity attributable to the owners of the company was RMB 3,167,117 thousand as of June 30, 2023, down from RMB 3,292,707 thousand at the end of 2022, reflecting a decrease of about 3.8%[42] - Total liabilities decreased from RMB 5,604,327 thousand in the previous year to RMB 5,333,898 thousand[49] - The total current liabilities decreased from RMB 5,446,321 thousand to RMB 5,187,799 thousand[49]