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. 本公司亦根據上市規則第13.10B條作出本公告。本公司將於2025年8月21日（美國 東部時間）紐約證券交易所交易時段前就上半年業績向美國證券交易委員會遞交 6-K表格。 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） 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。 （股份代號：6638） （紐交所股份代碼：OCFT） 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2025年6月30日 止半年度的未經審核財務業績（「上半年業績」）。 內幕消息 截至2025年6月30日止半年度的未經審核財務業績 及 海外監管公告 本文附表1為本公司於2025年8月2 ...

在成立4年后，浦发银行科技子公司浦银金科终于正式运作。 据21世纪经济报道记者统计，自2015年兴业数金设立以来，银行科技子公司数量已达到26家。 设立之初，科技子被寄予厚望，既能实现银行业务和科技业务的隔离，也能通过对外科技输出，将科技 成本部门转变为利润中心。 浦银金科目前的法定代表人、总经理为陈海宁。履历显示，陈海宁是一位浦发"老将"、他于2001年加入 浦发银行，曾任职于总行公司金融部、武汉分行、总行资产负债管理部。在浦银金科成立前，他已担任 总行信息科技部总经理。据证券时报消息，他或将出任该公司董事长一职。 科技子曾定位为"对外输出" 然而十年过去，大部分科技子公司经营情况未及预期，其生存主要依赖母行的内部采购，其市场化运作 面临挑战，因而将自己的职责逐步调整为服务母行集团。 个别机构的开业难以视为科技子模式的回暖。一方面，银行设立科技子的节奏明显趋缓；另一方面，多 家银行科技子公司正加速回归总行体系。 尽管相关银行尚未就"回归"说法公开置评，但一些人事变动显露了调整迹象。 浦银金科明确三大职责 据浦发银行消息，8月5日，该行科技子公司浦银金科于上海举行开业仪式。浦银金科设立之初的三大职 责，更多突 ...

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聯合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聯合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。 本聯合公告僅供參考，並不構成收購、購買或認購要約人與本公司證券的邀請或要約，亦非在 任何司法權區對任何投票或批准的招攬。本聯合公告亦不構成美國證券交易委員會規則及規定 下之任何要約或推薦。 本聯合公告並非供在、向或從刊發、登載或分發全部或部分內容即構成違反有關司法權區適用 法律或法規的任何司法權區刊發、登載或分發。 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） 鉑煜有限公司 （於英屬維爾京群島註冊 成立的有限公司） 聯合公告 提交附表13E-3（第1號修訂本） 有關 (1)根據公司法第86條以協議安排方式私有化壹賬通金融科技有限公司 之建議 及 摩根士丹利亞洲有限公司 獨立董事委員會之獨立財務顧問 嘉林資本有限公司 1 茲提述(1)要約人及本公司聯合 ...

Group 1: New Quality Productivity and Financial Technology - The concept of new quality productivity has been proposed to drive high-quality economic development in China, emphasizing the need for modern industrial system construction and the integration of disruptive technologies [1][2] - Financial technology is positioned to seize new opportunities and challenges, with companies like Ping An Group's Financial One Account leveraging core technologies such as AI and big data to enhance financial services [1][2] Group 2: Digital Financial Transformation - Digital finance is recognized for its potential to expand service coverage and improve efficiency, with recent policies from various regulatory bodies guiding financial institutions in their digital transformation efforts [2] - Financial institutions face challenges such as data integration difficulties and low value conversion, which hinder the effective use of data assets [2] Group 3: Data Privacy and Management - Financial One Account has developed an advanced data management tool, the Financial Data Privacy Computing Platform, which addresses data silos and enhances data asset value through privacy computing technologies [3] - The platform has been successfully applied in various financial regulatory and risk management scenarios, improving operational efficiency and compliance [3] Group 4: Artificial Intelligence in Finance - Artificial intelligence is identified as a key technology driving the current technological revolution, with significant implications for the financial sector [4] - Despite its potential, challenges such as data sharing and integration with existing business processes remain obstacles to AI implementation in financial institutions [4] Group 5: AI-Driven Financial Services - Financial One Account has launched a "Smart Banking One-Stop AI Platform," which offers a modular design for efficient and cost-effective financial services, enhancing customer data integration and analysis [5] - The platform supports over 4,000 financial business scenarios and has been recognized for its innovative contributions to the industry [5] Group 6: Independent Innovation in Finance - The promotion of independent innovation in the financial sector is crucial for enhancing service efficiency and ensuring national financial security [6] - Financial technology companies play a vital role in accelerating digital transformation and building self-controlled financial infrastructure [6] Group 7: Collaboration and Ecosystem Development - Financial One Account has actively collaborated with various financial institutions and regulatory bodies to implement smart financial service projects, showcasing its capabilities in the fintech sector [7][8] - The company aims to provide comprehensive solutions that integrate technology and business, contributing to the development of new quality productivity in finance [7][8]

壹賬通金融科技有限公司（「本公司」）董事會（「董事會」）茲通告謹定於2025年8月 21日（星期四）舉行董事會會議，以（其中包括）考慮及通過本公司及其附屬公司 以及綜合聯屬實體截至2025年6月30日止六個月的未經審核中期業績及其發佈。 承董事會命 壹賬通金融科技有限公司 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） 董事會會議召開日期 陳當陽先生 董事長兼首席執行官 香港，2025年8月11日 於本公告日期，本公司董事會包括執行董事陳當陽先生；非執行董事郭曉濤先 生、付欣女士、竇文偉先生及王文君女士及獨立非執行董事張耀麟博士、濮天若 先生、周永健先生及葉冠榮先生。 ...

Core Viewpoint - The establishment of bank fintech subsidiaries has not led to the expected growth and profitability, with many returning to their parent banks due to operational challenges and market competition [9][15][37]. Group 1: Industry Overview - The fintech subsidiary of SPDB, PuYin JinKe, opened in Shanghai on August 5, 2024, but this does not indicate a revival of bank tech subsidiaries, as the industry has seen a decline in new establishments since 2022 [4][6]. - Over the past decade, more than 20 banks have established fintech subsidiaries, driven by the need for improved cybersecurity and competition from internet financial companies [7][8]. - Despite initial hopes, these subsidiaries have struggled to generate independent revenue and often rely on their parent banks for survival [9][15]. Group 2: Financial Performance - Financial reports indicate that many fintech subsidiaries have failed to achieve profitability. For instance, ZhongYin JinKe reported a net profit of only 0.11 million yuan in the first half of 2024, while Financial One Account has accumulated losses of 7.33 billion yuan from 2017 to 2023 [18][19]. - The business model of these subsidiaries often leads to losses, as seen with XingYe ShuJin, which reported a net loss of 1.67 million yuan in the first half of 2019 [19]. Group 3: Market Dynamics - The fintech market has become increasingly competitive, with major players like Alibaba and Tencent dominating the financial cloud market, leaving bank subsidiaries struggling to gain market share [29]. - Regulatory changes have also impacted the ability of these subsidiaries to operate independently, as new guidelines restrict the outsourcing of core IT functions [26][27]. Group 4: Future Outlook - The trend of fintech subsidiaries returning to their parent banks is expected to continue, as their primary revenue source remains servicing the parent bank, which diminishes their independent operational significance [37][39]. - The lack of competitive advantage and the challenges in providing innovative solutions further complicate the sustainability of these subsidiaries [39][40].

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7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 壹账通金融科技有限公司 呈交日期: 2025年8月5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) | 06638 | 說明 | - | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 5,000,000,000 | USD | | 0.00001 | USD | | 50,000 | | 增加 / 減少 (-) | | | 0 | | | | USD | | 0 | | 本月底結存 | | | 5,000,000,000 | USD | | 0.00001 | USD | | 50,000 | 本月底法定 ...

Group 1 - Financial One Account, Inspur Enterprise Cloud, and Inspur Computer Technology signed a strategic cooperation agreement to explore the construction of a new AI computing power ecosystem [1] - The collaboration aims to provide safer and more reliable support for global financial, government, and enterprise clients who face strict data privacy requirements while having urgent needs for generative AI capabilities [1][2] - Financial One Account has over 12 AI-driven business application suites for the financial industry and plays a significant role in Hong Kong's financial ecosystem, with over 50% of retail banks utilizing its AI image recognition fraud prevention technology [1] Group 2 - Financial One Account's wealth management solutions based on AI have generated significant market demand, leveraging its local delivery capabilities and cross-border data reference authorization in Hong Kong [2] - Inspur Enterprise Cloud is one of China's earliest cloud service providers and a leader in the industry cloud sector, offering full-stack cloud computing services across various industries [2] - Inspur Computer holds a 14% market share in the innovative technology server sector, providing a comprehensive product range that serves multiple industries including government and finance [2] Group 3 - The partnership aims to integrate expertise in AI and financial technology, develop customized AI solutions, and promote benchmark projects globally, following the "Belt and Road" initiative [3] - This collaboration represents a commitment to shaping the future of AI computing power and global digital transformation, potentially serving as a model for Chinese tech companies to collaborate internationally [3]

Market Capitalization Summary - New Oriental has a market capitalization of 16.359 billion [2] - TAL Education has a market capitalization of 10.938 billion [2] - Vipshop has a market capitalization of 6.578 billion [2] - Miniso has a market capitalization of 5.578 billion [2] - Zai Lab has a market capitalization of 3.982 billion [2] - Huya has a market capitalization of 0.724 billion [3] Stock Performance - New Oriental's stock increased by 0.77 (+3.89%) [2] - TAL Education's stock decreased by 0.04 (-0.82%) [2] - Vipshop's stock decreased by 0.18 (-1.19%) [2] - Miniso's stock decreased by 0.50 (-2.62%) [2] - Zai Lab's stock decreased by 1.95 (-5.16%) [2] - Huya's stock increased by 0.01 (+0.45%) [3] Additional Company Insights - Financial One Account has a market capitalization of 0.287 billion [3] - Xiaomi has a market capitalization of 0.213 billion [3] - Huami has a market capitalization of 0.175 billion [3] - Tuniu has a market capitalization of 0.120 billion [3]

Core Insights - The focus of discussions in the financial sector is shifting from "what AI can do" to "how AI can create value" at the WAIC2025 [1] - Financial institutions are encouraged to establish ethical review mechanisms and adopt a "test-validate-promote" approach to achieve cost reduction and efficiency improvement [1] - Financial technology companies like Fintech One are actively exploring solutions to integrate AI into daily operations and enhance output efficiency [1][2] Group 1: AI Integration and Value Creation - AI is expected to significantly lower the cost of providing financial services and improve decision-making for consumers and companies [1] - Financial One has developed a robust technological foundation, referred to as "953," which includes nine databases, five laboratories, and three technology companies to support AI applications [2] - The company has created comprehensive solutions for various financial scenarios, including intelligent marketing, credit, claims, risk control, customer service, and collection [2] Group 2: Innovative Solutions and Applications - In 2025, Financial One launched an intelligent platform and a "large model integrated machine" solution to provide all-scenario AI solutions for the banking industry [3] - The "Results as a Service" (RaaS) model allows financial institutions to benefit from AI solutions with lower upfront costs and reduced technology sunk costs [3] - The intelligent agents optimize business processes through task decomposition and collaboration, significantly improving efficiency in marketing and collection processes [4] Group 3: Practical Innovations Driven by Demand - Financial One has introduced the "Xiao Yi Intelligent Customer Service Robot" to alleviate pressure on human agents and enhance operational efficiency [5] - The company’s precise marketing system addresses challenges faced by small and medium banks, providing an end-to-end solution for customer targeting and marketing [6] - Financial One has developed intelligent visual anti-fraud products to help financial institutions mitigate fraud risks effectively [6] Group 4: Value Creation and Social Impact - Financial One's AI solutions are generating measurable commercial value, such as improving operational efficiency and reducing labor costs [7] - The company has successfully served over 2 million small and medium enterprises, facilitating a total inclusive loan balance of 32.93 trillion yuan [8] - The digital credit system enhances the quality and efficiency of due diligence, addressing financing challenges for small enterprises [8]