\nOneConnect Financial Technology Co., Ltd. (\u201cOneConnect\u201d or the \u201cCompany\u201d) (NYSE: OCFT), a leading technology-as-a-service provider for financial institutions in China, today announced its unaudited financial results for the third quarter and nine months ended September 30, 2022.\n<\/p>\n
Third Quarter 2022 Financial Highlights<\/b><\/p>\n \nIn RMB\u2019000, except percentages and per ADS amounts\n<\/p>\n<\/td>\n Three Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n YoY<\/b><\/p>\n<\/td>\n Nine Months Ended September 30<\/b><\/p>\n<\/td>\n YoY<\/b><\/p>\n<\/td>\n<\/tr>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nRevenue\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nRevenue from Ping An Group\n<\/p>\n<\/td>\n \n599,408\n<\/p>\n<\/td>\n \n600,998\n<\/p>\n<\/td>\n \n-0.3%\n<\/p>\n<\/td>\n \n1,830,690\n<\/p>\n<\/td>\n \n1,601,298\n<\/p>\n<\/td>\n \n14.3%\n<\/p>\n<\/td>\n<\/tr>\n \nRevenue from Lufax\n<\/p>\n<\/td>\n \n118,429\n<\/p>\n<\/td>\n \n112,562\n<\/p>\n<\/td>\n \n5.2%\n<\/p>\n<\/td>\n \n354,892\n<\/p>\n<\/td>\n \n277,200\n<\/p>\n<\/td>\n \n28.0%\n<\/p>\n<\/td>\n<\/tr>\n \nRevenue from third-party customers1<\/sup><\/p>\n<\/td>\n \n351,028\n<\/p>\n<\/td>\n \n351,021\n<\/p>\n<\/td>\n \n0.0%\n<\/p>\n<\/td>\n \n1,035,986\n<\/p>\n<\/td>\n \n973,594\n<\/p>\n<\/td>\n \n6.4%\n<\/p>\n<\/td>\n<\/tr>\n \nTotal\n<\/p>\n<\/td>\n \n1,068,865\n<\/p>\n<\/td>\n \n1,064,581\n<\/p>\n<\/td>\n \n0.4%\n<\/p>\n<\/td>\n \n3,221,568\n<\/p>\n<\/td>\n \n2,852,092\n<\/p>\n<\/td>\n \n13.0%\n<\/p>\n<\/td>\n<\/tr>\n \nGross profit\n<\/p>\n<\/td>\n \n374,663\n<\/p>\n<\/td>\n \n378,359\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n1,133,946\n<\/p>\n<\/td>\n \n986,516\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nGross margin\n<\/p>\n<\/td>\n \n35.1%\n<\/p>\n<\/td>\n \n35.5%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n35.2%\n<\/p>\n<\/td>\n \n34.6%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nNon-IFRS gross margin\n<\/p>\n<\/td>\n \n38.4%\n<\/p>\n<\/td>\n \n42.2%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n39.1%\n<\/p>\n<\/td>\n \n42.6%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nOperating loss\n<\/p>\n<\/td>\n \n(154,878)\n<\/p>\n<\/td>\n \n(283,078)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n(787,391)\n<\/p>\n<\/td>\n \n(1,024,567)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nOperating margin\n<\/p>\n<\/td>\n \n-14.5%\n<\/p>\n<\/td>\n \n-26.6%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n-24.4%\n<\/p>\n<\/td>\n \n-35.9%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nNet loss to shareholders\n<\/p>\n<\/td>\n \n(132,563)\n<\/p>\n<\/td>\n \n(269,658)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n(694,937)\n<\/p>\n<\/td>\n \n(923,340)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nNet profit margin\n<\/p>\n<\/td>\n \n-12.4%\n<\/p>\n<\/td>\n \n-25.3%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n-21.6%\n<\/p>\n<\/td>\n \n-32.4%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nNet loss per ADS2<\/sup>, basic and diluted\n<\/p>\n<\/td>\n \n(0.36)\n<\/p>\n<\/td>\n \n(0.72)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n(1.89)\n<\/p>\n<\/td>\n \n(2.49)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n Chairman, CEO and CFO Comments<\/b><\/p>\n \n\u201cNotwithstanding the challenges from the changing macro economy, business operation remained solid in the third quarter, and I am delighted to announce that benefitting from operational efficiency enhancement, we saw significant improvement of profit margin while total revenue remained stable.\u201d said Mr. Shen Chongfeng, Chairman of the Board and Chief Executive Officer, \u201cMacro uncertainties and pandemic control measures continue to weigh on parts of business this quarter, as evidenced by declining usages or volumes of transaction-based products, e.g., auto insurance claim products and lending products and delays in certain implementation projects. As a result, the revenue growth from the affected products slowed down. Other than that, growth remained robust. For example, products such as AI customer services on Gamma Platform have continued their strong momentum, achieving increase in both customer number and revenue. Revenue from our overseas business, which includes the virtual bank in Hong Kong (HK), more than doubled compared with last year.<\/b>In HK,our credit reference agency Ping An OneConnect Credit Reference Services Agency (HK) Limited has obtained the qualification as the consumer credit reference agency in HK with the potential touch upon the Great Bay Area. In the other overseas market, in September, we announced our collaboration with Abu Dhabi Global Market (ADGM), an international financial center in the capital of the United Arab Emirates (UAE), to empower the development of a SME Financing Platform. We officially established our presence in UAE this October, to promote local digital transformation. Product integration and upgrade continue to feature as an important part of our second stage strategy. In the Digital Insurance segment, we launched a digital and efficient all-in-one platform for life insurance agents, which spans a wide range of insurance services, from digital advisor experience and sales assistant to customer insights. We formed a strategic cooperation with a top-50 international insurance company in connection with the newly-launched product empowering the digital transformation of its life insurance agents in South Africa. In the Digital Banking segment, we have integrated commercial and retail business risk management platforms and built a middle platform based on a unified technology architecture. On top of that, we continued to phase out projects with higher customization or lower return-on-investment (ROI) to enhance product standardization.\u201d\n<\/p>\n \nMr. Luo Yongtao, Chief Financial Officer, commented, \u201cWe managed to deliver solid business performance in the third quarter against a challenging macro environment. Notwithstanding the COVID impacts, the number of premium-plus customers as of September 30, 2022 increased from 154 to 163 on a year-over-year basis. As a key initiative of our second stage strategy, we continued to optimize our product management strategy, improve ROI and product standardization, and proactively phase out projects requiring heavy customization. Although usages or volumes of products with higher gross margin decreased due to the strict pandemic control measures, we note that gross margin overall in the third quarter remained relatively stable at 35.1%. In terms of our path to profitability, as a nimble and entrepreneurial technology company, we remain adaptive to the changing environment and follow stringent cost control measures, which largely improved our operational efficiency. This quarter, our net profit margin attributable to shareholders improved from -25.3% to -12.4% by 13ppts. In addition, we continued our prudent financial management strategy and remained robust in our cash positions. Looking ahead, we remain unchanged in focusing on growing revenue from our third-party customers and on our mid-term target to achieving profitability.\u201d\n<\/p>\n Third Quarter 2022 Operational Highlights<\/b>\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Revenue Breakdown<\/span><\/p>\n<\/td>\n<\/tr>\n \nIn RMB\u2019000, except percentages\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n Three Months Ended YoY<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n Nine Months Ended YoY<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Implementation<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 202,265<\/b><\/p>\n<\/td>\n 189,003<\/b><\/p>\n<\/td>\n 7.0%<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 544,876<\/b><\/p>\n<\/td>\n 517,026<\/b><\/p>\n<\/td>\n 5.4%<\/b><\/p>\n<\/td>\n<\/tr>\n \nTransaction-based and support revenue\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \u3000<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n –<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nBusiness origination services\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n93,714\n<\/p>\n<\/td>\n \n114,662\n<\/p>\n<\/td>\n \n-18.3%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n313,208\n<\/p>\n<\/td>\n \n350,912\n<\/p>\n<\/td>\n \n-10.7%\n<\/p>\n<\/td>\n<\/tr>\n \nRisk management services\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n104,801\n<\/p>\n<\/td>\n \n112,585\n<\/p>\n<\/td>\n \n-6.9%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n303,298\n<\/p>\n<\/td>\n \n317,562\n<\/p>\n<\/td>\n \n-4.5%\n<\/p>\n<\/td>\n<\/tr>\n \nOperation support services\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n293,777\n<\/p>\n<\/td>\n \n280,196\n<\/p>\n<\/td>\n \n4.8%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n865,882\n<\/p>\n<\/td>\n \n766,912\n<\/p>\n<\/td>\n \n12.9%\n<\/p>\n<\/td>\n<\/tr>\n \nCloud services platform\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n296,600\n<\/p>\n<\/td>\n \n302,936\n<\/p>\n<\/td>\n \n-2.1%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n961,807\n<\/p>\n<\/td>\n \n745,496\n<\/p>\n<\/td>\n \n29.0%\n<\/p>\n<\/td>\n<\/tr>\n \nPost-implementation support services\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n13,739\n<\/p>\n<\/td>\n \n8,953\n<\/p>\n<\/td>\n \n53.5%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n40,533\n<\/p>\n<\/td>\n \n33,629\n<\/p>\n<\/td>\n \n20.5%\n<\/p>\n<\/td>\n<\/tr>\n \nOthers\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n63,969\n<\/p>\n<\/td>\n \n56,246\n<\/p>\n<\/td>\n \n13.7%\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n191,964\n<\/p>\n<\/td>\n \n120,555\n<\/p>\n<\/td>\n \n59.2%\n<\/p>\n<\/td>\n<\/tr>\n Total<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 866,600<\/b><\/p>\n<\/td>\n 875,578<\/b><\/p>\n<\/td>\n -1.0%<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 2,676,692<\/b><\/p>\n<\/td>\n 2,335,066<\/b><\/p>\n<\/td>\n 14.6%<\/b><\/p>\n<\/td>\n<\/tr>\n Total<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 1,068,865<\/b><\/p>\n<\/td>\n 1,064,581<\/b><\/p>\n<\/td>\n 0.4%<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 3,221,568<\/b><\/p>\n<\/td>\n 2,852,092<\/b><\/p>\n<\/td>\n 13.0%<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n \nRevenue in the third quarter of 2022 rose by 0.4% to RMB1,069 million from RMB1,065 million for the same period in the prior year. The revenue increase was driven by increased implementation revenue, operation support services revenue and other transaction-based and support revenue. However, this was partially offset by the revenue drop from business origination and risk management resulting from pandemic curbs and the Company\u2019s continuous phasing out of low-value projects as a core initiative in the Company\u2019s second stage strategy. Revenue from operation support services rose by 4.8% on year-over-year basis, primarily benefitting from the increased demand for the Company\u2019s Gamma Platform AI customer service and other products. Implementation revenue rose by 7.0% to RMB202 million from RMB189 million for the same period in the prior year, which was driven by the on-going digital transformation in Ping An Group. On the other hand, implementation revenue from third party customers dropped due to the pandemic travel restrictions and the Company\u2019s continuous phase-out of less standardized, low-value projects. Revenue from other transaction-based and support service increased by 13.7% on year-over-year basis. Revenue from business origination decreased by 18.3% on year-over-year basis to RMB94 million from RMB115 million for the same period in the prior year, primarily due to decreased loan volumes as a result of pandemic curbs and macro economy. Revenue from risk management decreased by 6.9% on year-over-year basis, to RMB105 million from RMB113 million for the same period in the prior year, primarily due to the decreased usage volumes of auto insurance claim products and other products which are more susceptible to the virus control measures.\n<\/p>\n Third quarter 2022 Financial Results<\/b><\/p>\n Revenue<\/b><\/i><\/p>\n \nRevenue in the third quarter of 2022 increased by 0.4% to RMB1,069 million from RMB1,065 million for the same period in the prior year, primarily driven by more demands for solutions in operation support services, implementation as well as other transaction-based and support services including revenue from the virtual bank in HK, a key part of the Company\u2019s overseas ecosystem business.\n<\/p>\n Cost of Revenue<\/i><\/b><\/p>\n \nCost of revenue in the third quarter of 2022 was RMB694 million, compared with RMB686 million for the same period in the prior year. Cost of revenue remains largely stable on a year-over-year basis.\n<\/p>\n Gross Profit<\/i><\/b><\/p>\n \nGross profit dropped to RMB375 million from RMB378 million for the same period in the prior year. Gross margin was 35.1%, compared with 35.5% in the prior year, dropped by 0.5ppts. Non-IFRS gross margin was 38.4%, compared with 42.2% in the prior year. For a reconciliation of the Company\u2019s IFRS and non-IFRS gross margin, please refer to \u201cReconciliation of IFRS and Non-IFRS Results (Unaudited).\u201d This is a mixed result caused by different factors. On the one hand, with product integration and upgrade being a key initiative in its second stage strategy, we continued to optimize its product strategy, improving ROI and product standardization, and proactively phased out projects requiring heavy customization. On the other hand, usage or volume of products with higher gross margin \u2013 such as P&C claim ecosystem and loan products in risk management – decreased due to the strict pandemic restrictions. As a result, gross margin in the third quarter slightly decreased.\n<\/p>\n Operating Loss and Expenses<\/i><\/b><\/p>\n \nTotal operating expenses for the third quarter of 2022 amounted to RMB548 million, compared with RMB624 million for the same period in the prior year. As a percentage of revenue, total operating expenses decreased to 51.3% from 58.6%.\n<\/p>\n \nAs a result of the above, operating loss for the third quarter of 2022 amounted to RMB155 million, compared with RMB283 million for the same period in the prior year. Operating margin improved to -14.5% from -26.6% in the prior year.\n<\/p>\n Net Loss<\/i><\/b><\/p>\n \nNet loss attributable to OneConnect\u2019s shareholders totaled RMB133 million for the third quarter of 2022, versus RMB270 million for the same period in the prior year. Net loss attributable to OneConnect\u2019s shareholders per basic and diluted ADS amounted to RMB-0.36, versus RMB-0.72 for the same period in the prior year. Weighted average number of ADSs for the third quarter was 365,943,562.\n<\/p>\n Cash Flow<\/i><\/b><\/p>\n \nFor the third quarter of 2022, net cash used in operating activities was RMB128 million. Net cash generated from investing activities was RMB25 million. Net cash generated from financing activities was RMB62 million.\n<\/p>\n Conference Call Information<\/b><\/p>\n Date\/Time Participant online registration link: ONECONNECT<\/b><\/p>\n CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME<\/b><\/p>\n (Unaudited)<\/b><\/p>\n<\/td>\n<\/tr>\n Three Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n Nine Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n<\/tr>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n<\/tr>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n<\/tr>\n Revenue<\/b><\/p>\n<\/td>\n 1,068,865<\/b><\/p>\n<\/td>\n 1,064,581<\/b><\/p>\n<\/td>\n 3,221,568<\/b><\/p>\n<\/td>\n 2,852,092<\/b><\/p>\n<\/td>\n<\/tr>\n \nCost of revenue\n<\/p>\n<\/td>\n \n(694,202)\n<\/p>\n<\/td>\n \n(686,222)\n<\/p>\n<\/td>\n \n(2,087,622)\n<\/p>\n<\/td>\n \n(1,865,576)\n<\/p>\n<\/td>\n<\/tr>\n Gross profit<\/b><\/p>\n<\/td>\n 374,663<\/b><\/p>\n<\/td>\n 378,359<\/b><\/p>\n<\/td>\n 1,133,946<\/b><\/p>\n<\/td>\n 986,516<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nResearch and development expenses\n<\/p>\n<\/td>\n \n(287,221)\n<\/p>\n<\/td>\n \n(323,328)\n<\/p>\n<\/td>\n \n(1,027,734)\n<\/p>\n<\/td>\n \n(963,298)\n<\/p>\n<\/td>\n<\/tr>\n \nSelling and marketing expenses\n<\/p>\n<\/td>\n \n(93,800)\n<\/p>\n<\/td>\n \n(130,658)\n<\/p>\n<\/td>\n \n(312,142)\n<\/p>\n<\/td>\n \n(423,381)\n<\/p>\n<\/td>\n<\/tr>\n \nGeneral and administrative expenses\n<\/p>\n<\/td>\n \n(167,382)\n<\/p>\n<\/td>\n \n(169,763)\n<\/p>\n<\/td>\n \n(569,303)\n<\/p>\n<\/td>\n \n(561,404)\n<\/p>\n<\/td>\n<\/tr>\n \nNet impairment losses on financial and contract assets\n<\/p>\n<\/td>\n \n(148)\n<\/p>\n<\/td>\n \n(18,374)\n<\/p>\n<\/td>\n \n(15,073)\n<\/p>\n<\/td>\n \n(63,274)\n<\/p>\n<\/td>\n<\/tr>\n \nOther income, gains or loss-net\n<\/p>\n<\/td>\n \n19,010\n<\/p>\n<\/td>\n \n(19,314)\n<\/p>\n<\/td>\n \n2,915\n<\/p>\n<\/td>\n \n274\n<\/p>\n<\/td>\n<\/tr>\n Operating loss<\/b><\/p>\n<\/td>\n (154,878)<\/b><\/p>\n<\/td>\n (283,078)<\/b><\/p>\n<\/td>\n (787,391)<\/b><\/p>\n<\/td>\n (1,024,567)<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nFinance income\n<\/p>\n<\/td>\n \n4,185\n<\/p>\n<\/td>\n \n2,866\n<\/p>\n<\/td>\n \n9,421\n<\/p>\n<\/td>\n \n25,924\n<\/p>\n<\/td>\n<\/tr>\n \nFinance costs\n<\/p>\n<\/td>\n \n(8,344)\n<\/p>\n<\/td>\n \n(17,402)\n<\/p>\n<\/td>\n \n(28,005)\n<\/p>\n<\/td>\n \n(62,003)\n<\/p>\n<\/td>\n<\/tr>\n \nFinance costs \u2013 net\n<\/p>\n<\/td>\n \n(4,159)\n<\/p>\n<\/td>\n \n(14,536)\n<\/p>\n<\/td>\n \n(18,584)\n<\/p>\n<\/td>\n \n(36,079)\n<\/p>\n<\/td>\n<\/tr>\n \nShare of profit of associate and joint venture\n<\/p>\n<\/td>\n \n6,100\n<\/p>\n<\/td>\n \n770\n<\/p>\n<\/td>\n \n26,402\n<\/p>\n<\/td>\n \n10,832\n<\/p>\n<\/td>\n<\/tr>\n Loss before income tax<\/b><\/p>\n<\/td>\n (152,937)<\/b><\/p>\n<\/td>\n (296,844)<\/b><\/p>\n<\/td>\n (779,573)<\/b><\/p>\n<\/td>\n (1,049,814)<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nIncome tax benefit\n<\/p>\n<\/td>\n \n12,228\n<\/p>\n<\/td>\n \n26,870\n<\/p>\n<\/td>\n \n48,672\n<\/p>\n<\/td>\n \n82,470\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Loss for the period<\/b><\/p>\n<\/td>\n (140,709)<\/b><\/p>\n<\/td>\n (269,974)<\/b><\/p>\n<\/td>\n (730,901)<\/b><\/p>\n<\/td>\n (967,344)<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Loss attributable to:<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \n– Owners of the Company\n<\/p>\n<\/td>\n \n(132,563)\n<\/p>\n<\/td>\n \n(269,658)\n<\/p>\n<\/td>\n \n(694,937)\n<\/p>\n<\/td>\n \n(923,340)\n<\/p>\n<\/td>\n<\/tr>\n \n– Non-controlling interests\n<\/p>\n<\/td>\n \n(8,146)\n<\/p>\n<\/td>\n \n(316)\n<\/p>\n<\/td>\n \n(35,964)\n<\/p>\n<\/td>\n \n(44,004)\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nOther comprehensive income, net of tax\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nItem that will not be reclassified subsequently to profit or loss\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \n– Foreign currency translation differences\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 193,046<\/b><\/p>\n<\/td>\n –<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 397,827<\/b><\/p>\n<\/td>\n –<\/b><\/p>\n<\/td>\n<\/tr>\n \nItems that may be subsequently reclassified to profit or loss\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \n– Foreign currency translation differences\n<\/p>\n<\/td>\n \n47,405\n<\/p>\n<\/td>\n \n22,821\n<\/p>\n<\/td>\n \n76,345\n<\/p>\n<\/td>\n \n(47,764)\n<\/p>\n<\/td>\n<\/tr>\n \n– Changes in the fair value of debt instruments at fair value through other comprehensive income\n<\/p>\n<\/td>\n \n(3,901)\n<\/p>\n<\/td>\n \n–\n<\/p>\n<\/td>\n \n(188)\n<\/p>\n<\/td>\n \n1\n<\/p>\n<\/td>\n<\/tr>\n Total comprehensive income\/(loss) for the period<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n 95,841<\/b><\/p>\n<\/td>\n (247,153)<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n (256,917)<\/b><\/p>\n<\/td>\n (1,015,107)<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Total comprehensive income\/(loss) attributable to:<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \n– Owners of the Company\n<\/p>\n<\/td>\n \n103,987\n<\/p>\n<\/td>\n \n(246,837)\n<\/p>\n<\/td>\n \n(220,953)\n<\/p>\n<\/td>\n \n(971,103)\n<\/p>\n<\/td>\n<\/tr>\n \n– Non-controlling interests\n<\/p>\n<\/td>\n \n(8,146)\n<\/p>\n<\/td>\n \n(316)\n<\/p>\n<\/td>\n \n(35,964)\n<\/p>\n<\/td>\n \n(44,004)\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Loss per ADS attributable to owners of the Company<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n (expressed in RMB per share)<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \n– Basic and diluted\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n(0.36)\n<\/p>\n<\/td>\n \n(0.72)\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n(1.89)\n<\/p>\n<\/td>\n \n(2.49)\n<\/p>\n<\/td>\n<\/tr>\n<\/table>\n ONECONNECT<\/b><\/p>\n CONSOLIDATED BALANCE SHEETS<\/b><\/p>\n (Unaudited)<\/b><\/p>\n<\/td>\n<\/tr>\n September 30<\/b><\/p>\n<\/td>\n December 31<\/b><\/p>\n<\/td>\n<\/tr>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n<\/tr>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n ASSETS<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n Non-current assets<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \nProperty and equipment\n<\/p>\n<\/td>\n \n221,847\n<\/p>\n<\/td>\n \n244,412\n<\/p>\n<\/td>\n<\/tr>\n \nIntangible assets\n<\/p>\n<\/td>\n \n605,765\n<\/p>\n<\/td>\n \n687,194\n<\/p>\n<\/td>\n<\/tr>\n \nDeferred tax assets\n<\/p>\n<\/td>\n \n749,172\n<\/p>\n<\/td>\n \n683,218\n<\/p>\n<\/td>\n<\/tr>\n \nFinancial assets measured at amortized cost from Virtual bank\n<\/p>\n<\/td>\n \n–\n<\/p>\n<\/td>\n \n674\n<\/p>\n<\/td>\n<\/tr>\n \nInvestments accounted for using the equity method\n<\/p>\n<\/td>\n \n211,748\n<\/p>\n<\/td>\n \n185,346\n<\/p>\n<\/td>\n<\/tr>\n \nFinancial assets at fair value through other comprehensive income\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n837,625\n<\/p>\n<\/td>\n \n640,501\n<\/p>\n<\/td>\n<\/tr>\n \nContract assets\n<\/p>\n<\/td>\n \n–\n<\/p>\n<\/td>\n \n868\n<\/p>\n<\/td>\n<\/tr>\n Total non-current assets<\/b><\/p>\n<\/td>\n 2,626,157<\/b><\/p>\n<\/td>\n 2,442,213<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Current assets<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nTrade receivables\n<\/p>\n<\/td>\n \n1,206,143\n<\/p>\n<\/td>\n \n891,174\n<\/p>\n<\/td>\n<\/tr>\n \nContract assets\n<\/p>\n<\/td>\n \n187,556\n<\/p>\n<\/td>\n \n227,895\n<\/p>\n<\/td>\n<\/tr>\n \nPrepayments and other receivables\n<\/p>\n<\/td>\n \n903,626\n<\/p>\n<\/td>\n \n752,667\n<\/p>\n<\/td>\n<\/tr>\n \nFinancial assets measured at amortized cost from Virtual bank\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n2,638\n<\/p>\n<\/td>\n \n12,711\n<\/p>\n<\/td>\n<\/tr>\n \nFinancial assets at fair value through profit or loss\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n919,098\n<\/p>\n<\/td>\n \n2,071,653\n<\/p>\n<\/td>\n<\/tr>\n \nFinancial assets at fair value through other comprehensive income\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n1,116,016\n<\/p>\n<\/td>\n \n482,497\n<\/p>\n<\/td>\n<\/tr>\n \nDerivative financial assets\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n105,264\n<\/p>\n<\/td>\n \n–\n<\/p>\n<\/td>\n<\/tr>\n \nRestricted cash\n<\/p>\n<\/td>\n \n441,661\n<\/p>\n<\/td>\n \n1,060,427\n<\/p>\n<\/td>\n<\/tr>\n \nCash and cash equivalents\n<\/p>\n<\/td>\n \n1,455,767\n<\/p>\n<\/td>\n \n1,399,370\n<\/p>\n<\/td>\n<\/tr>\n Total current assets<\/b><\/p>\n<\/td>\n 6,337,769<\/b><\/p>\n<\/td>\n 6,898,394<\/b><\/p>\n<\/td>\n<\/tr>\n Total assets<\/b><\/p>\n<\/td>\n 8,963,926<\/b><\/p>\n<\/td>\n 9,340,607<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n EQUITY AND LIABILITIES<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Equity<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nShare capital\n<\/p>\n<\/td>\n \n78\n<\/p>\n<\/td>\n \n78\n<\/p>\n<\/td>\n<\/tr>\n \nShares held for share incentive scheme\n<\/p>\n<\/td>\n \n-150,871\n<\/p>\n<\/td>\n \n-80,102\n<\/p>\n<\/td>\n<\/tr>\n \nOther reserves\n<\/p>\n<\/td>\n \n11,012,425\n<\/p>\n<\/td>\n \n10,512,631\n<\/p>\n<\/td>\n<\/tr>\n \nAccumulated losses\n<\/p>\n<\/td>\n \n-7,333,562\n<\/p>\n<\/td>\n \n-6,638,625\n<\/p>\n<\/td>\n<\/tr>\n Equity attributable to equity owners of the Company<\/b><\/p>\n<\/td>\n 3,528,070<\/b><\/p>\n<\/td>\n 3,793,982<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nNon-controlling interests\n<\/p>\n<\/td>\n \n5,136\n<\/p>\n<\/td>\n \n41,100\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Total equity<\/b><\/p>\n<\/td>\n 3,533,206<\/b><\/p>\n<\/td>\n 3,835,082<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n LIABILITIES<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Non-current liabilities<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nTrade and other payables\n<\/p>\n<\/td>\n \n297,747\n<\/p>\n<\/td>\n \n313,834\n<\/p>\n<\/td>\n<\/tr>\n \nContract liabilities\n<\/p>\n<\/td>\n \n20,217\n<\/p>\n<\/td>\n \n19,418\n<\/p>\n<\/td>\n<\/tr>\n \nDeferred tax liabilities\n<\/p>\n<\/td>\n \n5,976\n<\/p>\n<\/td>\n \n9,861\n<\/p>\n<\/td>\n<\/tr>\n Total non-current liabilities<\/b><\/p>\n<\/td>\n 323,940<\/b><\/p>\n<\/td>\n 343,113<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Current liabilities<\/b><\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n \nTrade and other payables\n<\/p>\n<\/td>\n \n2,442,860\n<\/p>\n<\/td>\n \n2,137,099\n<\/p>\n<\/td>\n<\/tr>\n \nPayroll and welfare payables\n<\/p>\n<\/td>\n \n376,235\n<\/p>\n<\/td>\n \n515,067\n<\/p>\n<\/td>\n<\/tr>\n \nContract liabilities\n<\/p>\n<\/td>\n \n217,451\n<\/p>\n<\/td>\n \n153,844\n<\/p>\n<\/td>\n<\/tr>\n \nShort-term borrowings\n<\/p>\n<\/td>\n \n328,764\n<\/p>\n<\/td>\n \n815,260\n<\/p>\n<\/td>\n<\/tr>\n \nCustomer deposits\n<\/p>\n<\/td>\n \n1,717,490\n<\/p>\n<\/td>\n \n1,350,171\n<\/p>\n<\/td>\n<\/tr>\n \nDerivative financial liabilities\n<\/p>\n<\/td>\n \n23,980\n<\/p>\n<\/td>\n \n190,971\n<\/p>\n<\/td>\n<\/tr>\n Total current liabilities<\/b><\/p>\n<\/td>\n 5,106,780<\/b><\/p>\n<\/td>\n 5,162,412<\/b><\/p>\n<\/td>\n<\/tr>\n Total liabilities<\/b><\/p>\n<\/td>\n 5,430,720<\/b><\/p>\n<\/td>\n 5,505,525<\/b><\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n<\/tr>\n Total equity and liabilities<\/b><\/p>\n<\/td>\n 8,963,926<\/b><\/p>\n<\/td>\n 9,340,607<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n ONECONNECT<\/b><\/p>\n CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW<\/b><\/p>\n (Unaudited)<\/b><\/p>\n<\/td>\n<\/tr>\n Three Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n Nine Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n<\/tr>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n<\/tr>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n<\/tr>\n Net cash (used in) \/ generated from operating activities<\/b><\/p>\n<\/td>\n (128,004)<\/b><\/p>\n<\/td>\n 332,706<\/b><\/p>\n<\/td>\n (921,060)<\/b><\/p>\n<\/td>\n (895,812)<\/b><\/p>\n<\/td>\n<\/tr>\n Net cash generated from investing activities<\/b><\/p>\n<\/td>\n 24,874<\/b><\/p>\n<\/td>\n 657,160<\/b><\/p>\n<\/td>\n 1,532,768<\/b><\/p>\n<\/td>\n 969,587<\/b><\/p>\n<\/td>\n<\/tr>\n Net cash generated from \/ (used in) financing activities<\/b><\/p>\n<\/td>\n 61,575<\/b><\/p>\n<\/td>\n (20,116)<\/b><\/p>\n<\/td>\n (630,700)<\/b><\/p>\n<\/td>\n (1,223,432)<\/b><\/p>\n<\/td>\n<\/tr>\n Net (decrease) \/ increase in cash and cash equivalents<\/b><\/p>\n<\/td>\n (41,555)<\/b><\/p>\n<\/td>\n 969,750<\/b><\/p>\n<\/td>\n (18,992)<\/b><\/p>\n<\/td>\n (1,149,657)<\/b><\/p>\n<\/td>\n<\/tr>\n \nCash and cash equivalents at the beginning of the period\n<\/p>\n<\/td>\n \n1,445,058\n<\/p>\n<\/td>\n \n920,826\n<\/p>\n<\/td>\n \n1,399,370\n<\/p>\n<\/td>\n \n3,055,194\n<\/p>\n<\/td>\n<\/tr>\n \nEffects of exchange rate changes on cash and cash equivalents\n<\/p>\n<\/td>\n \n52,264\n<\/p>\n<\/td>\n \n3,117\n<\/p>\n<\/td>\n \n75,389\n<\/p>\n<\/td>\n \n(11,844)\n<\/p>\n<\/td>\n<\/tr>\n Cash and cash equivalents at the end of period<\/b><\/p>\n<\/td>\n 1,455,767<\/b><\/p>\n<\/td>\n 1,893,693<\/b><\/p>\n<\/td>\n 1,455,767<\/b><\/p>\n<\/td>\n 1,893,693<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n ONECONNECT<\/b><\/p>\n RECONCILIATION OF IFRS AND NON-IFRS RESULTS<\/b><\/p>\n (Unaudited)<\/b><\/p>\n<\/td>\n<\/tr>\n Three Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n Nine Months Ended<\/b><\/p>\n September 30<\/b><\/p>\n<\/td>\n<\/tr>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n 2022<\/b><\/p>\n<\/td>\n 2021<\/b><\/p>\n<\/td>\n<\/tr>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n \nRMB’000\n<\/p>\n<\/td>\n<\/tr>\n \n\u00a0\n<\/p>\n<\/td>\n Gross profit<\/b><\/p>\n<\/td>\n 374,663<\/b><\/p>\n<\/td>\n 378,359<\/b><\/p>\n<\/td>\n 1,133,946<\/b><\/p>\n<\/td>\n 986,516<\/b><\/p>\n<\/td>\n<\/tr>\n Gross margin<\/b><\/p>\n<\/td>\n 35.1%<\/b><\/p>\n<\/td>\n 35.5%<\/b><\/p>\n<\/td>\n 35.2%<\/b><\/p>\n<\/td>\n 34.6%<\/b><\/p>\n<\/td>\n<\/tr>\n \nNon-IFRS adjustment\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \n\u00a0\n<\/p>\n<\/td>\n \nAmortization of intangible assets recognized in cost of revenue\n<\/p>\n<\/td>\n \n34,912\n<\/p>\n<\/td>\n \n69,496\n<\/p>\n<\/td>\n \n120,779\n<\/p>\n<\/td>\n \n226,136\n<\/p>\n<\/td>\n<\/tr>\n \nDepreciation of property and equipment recognized in cost of revenue\n<\/p>\n<\/td>\n \n597\n<\/p>\n<\/td>\n \n1,551\n<\/p>\n<\/td>\n \n2,157\n<\/p>\n<\/td>\n \n2,749\n<\/p>\n<\/td>\n<\/tr>\n \nShare-based compensation expenses recognized in cost of revenue\n<\/p>\n<\/td>\n \n517\n<\/p>\n<\/td>\n \n47\n<\/p>\n<\/td>\n \n1,939\n<\/p>\n<\/td>\n \n338\n<\/p>\n<\/td>\n<\/tr>\n Non-IFRS Gross profit<\/b><\/p>\n<\/td>\n 410,689<\/b><\/p>\n<\/td>\n 449,453<\/b><\/p>\n<\/td>\n 1,258,821<\/b><\/p>\n<\/td>\n 1,215,739<\/b><\/p>\n<\/td>\n<\/tr>\n Non-IFRS Gross margin<\/b><\/p>\n<\/td>\n 38.4%<\/b><\/p>\n<\/td>\n 42.2%<\/b><\/p>\n<\/td>\n 39.1%<\/b><\/p>\n<\/td>\n 42.6%<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n \nSource: OneConnect Financial Technology Co., Ltd.\n<\/p>\n 1<\/sup> Third-party customers refer to each customer with revenue contribution of less than 5% of our total revenue in the relevant period. These customers are a key focus of the Company\u2019s diversification strategy. View source version on businesswire.com: <\/span>https:\/\/www.businesswire.com\/news\/home\/20221110005531\/en\/<\/a><\/span><\/p>\n \nInvestor Relations:\n
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<\/b>September 30<\/b><\/p>\n<\/td>\n\n \n \n
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September 30<\/b><\/p>\n<\/td>\n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
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<\/b>Thursday, November 10, 2022 at 7:00 a.m., U.S. Eastern Time
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Thursday, November 10, 2022 at 8:00 p.m., HK Time\n<\/p>\n
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<\/b>https:\/\/www.netroadshow.com\/events\/login?show=8912f17b&confId=43541<\/a><\/p>\n\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \u00a0<\/td>\n<\/tr>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n <\/tr>\n \n \n \n \n <\/tr>\n \n \n \n \n <\/tr>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \u00a0<\/td>\n<\/tr>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
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2<\/sup> Each ADS represents three ordinary shares.\n<\/p>\n<\/p>\n
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OCFT IR Team
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OCFT_IR@ocft.com<\/a><\/p>\n