金融壹账通2024年度报告

( 於開曼群島註冊成立的有限公司 )股份代號: 6638紐交所代碼: OCFT 年 度 報 告2024 24712244078859294969899218 202541120254112024223202541120242232024223 20252 520252 5 2025252025411202525202422320254112024223 6638 OCFT Maples Corporate Services LimitedPO Box 309, Ugland HouseGrand Cayman, KY1-1104Cayman Islands 503321/24 50037 182701 Maples Fund Services (Cayman) LimitedPO Box 1093, Boundary HallCricket Square, Grand Cayman, KY1-1102Cayman Islands www.ocft.com 183171712-1716 22 1099 •2024123112,248.1202312313,521.6 •2024123135.8%2023123137.7%20241231238.2%2023123140.4% •20241231669.220231231211.320241231-29.8%20231231-6.0% •2024123118.42202312315.82 •20241231459.720231231362.720241231-20.4%20231231-10.3% 55 1202442陸陸9332023111420231252024116424172024123123陸2024730202410212024730陸20241231陸11645%530 +100%99%65%48% 2019 + ++3EEEEAI AI AI 2024 •AIAI3EAUM20%2338%AIAIAIAIAIIT •60%AI50%30% AI2024 2024AIOCR AI+AIAI AIAIIT ChatBI 20247202471120247202420241231202457711 2022 20183122 2024SBFinanceSLP 202442陸933 2024123120197 2024ESG 2024ESG 202525202525202525 2025333.7202531A3.73.7202543 202532020253202025202520242025202532020251231 + 2025424 202312313,521.636.2%20242,248.120247 20231231834.620.4%2024664.120231231132.177.2%202430.120231231320.522.7%2024247.820231231861.136.2%2024549.3202312311,246.050.4%2024618.1202472024123169.1202352.032.8% 202312312,195.634.2%20241,443.6 202312311,326.039.3%2024804.52024123135.8%202337.7%2024123138.2%202340.4% 20231231955.246.5%2024510.9 20231231241.626.6%2024177.3 20231231375.118.7%2024305.1 2023123140.5202431.3 20241231-83.5202369.220242023 20247112024720241114202493020241231202420241231 (i)(ii)(iii)2024131.9 20241231 36 2. 3. 4.WACC 2024123120231231 -25%10%-2%8% WACC21.54%202319.73%1.81 2023123129.6128.0%202467.5 2023123120.133.8%202413.3 20241231202312314.620236 2024123120237.2 20241231249.32023210.3 202312319.82024455.4202420241231(i)(ii)(iii)454.5 20231231220.12024704.7 20241231495.22023371.5 20241231276.81,106.3723.2282.32023648.5318.6213.6 (i)(ii)(iii)(iv) 202412311,947.9202312311,379.551.920231231452.9455.020231231925.2 2024123119.220231231251.730.04.9%202312314.5% 2024123118.62.69.0 202412311.7%2023123110.3% 5%20241231 202442陸933260.120231114202312520241164241712 20241231 20241231 20241231 2024123127.42023123137.52024123120231231 202412311,93720241231 20241231929.0 201711 2024123120241231 1. 2. 3. 4. 30 1. 2. 2024 1.2.3. 2024 20241231 A. C1 B.C.2.1C.6.2C.6.2 C.6.2 20242233.28202422320194 202541120254113.288.172025411 20248 B. 20241231 20251213.09D 3.10(1)(2)3.10A 3.13 A.2.1 (1)(2)(3)(4)(5) C.2.1202525 B.2.2 ABABABAB 20241231(i)(ii) (i)(ii)(iii)(iv)(v)(vi) 2024123120241231 20241231 (a)20232024 (b)2024630 (c)2024630 (d)20232024 (e)(f)(g)2024(h) (i)(ii)(iii)(i)(ii)(iii)(iv)(v)(vi)17 20241231 4574 2024123122%78% 2024123166%34% 1 C3 202412314020241231 2024123120241231 500,0001,000,0001,500,0012,000,000 8 C. • • •RMCRMC • • • 20241231 8991 *2,430,000 D. •www.hkexnews.hk•www.ocft.com•• 60(b)10% 182701 www.ocft.com OCFT_IR@ocft.com (https://www-uk.computershare.com/Investor/#Contact/Enquiry?cc=hk&lang=en)+852 2862 8555183171712-1716 E. 20241231 202274 6120247 202412319298 20241231 2024723 218 14 202412311,169,980,65326 27 20241231 2024123153.0%202359.4%2024123164.5%202370.5% 2024123156.7%202356.4%2024123180.7%202369.6% 陸金所陸金所陸金所2024730202412315% 19341933 20252 520252 5 7884 13.51B(1) 202431918332024520248202490000012024918202412 20243000001202491820241220253 20241082460 13.51B(1) 3.13 372024D2 202412318.10(2)(b)8.10(2)(c) 20231113陸金所PAO Bank LimitedPAOB陸金所933.0陸金所202442933.02024417309202311142023125202411642417 (i)2022628(ii)20244232024(iii)20239262023109 28.5815.24 3,850.001,343.52 1,140.64901.39*17.6515.05 500.0017.50 1,140.64425.1319.268.84 120.001.80600.009.00 4,000.00 725.05 2024 3.08 1. 202251820227420241231 2024123131.3318.9716 2022202412312024114202420241142024202220242024202511202712312024116 2. 2022518(1)(2)(a)(b)20241231 2022202412312024114202420242022(1)(2)202420251120271231 3. 2022518(1)(2)(3)(4)(5)(6)20241231 2022202412312024114202420242022(1)(2)(3)(4)(5)(6)(7)202420251120271231 202412 4. 202251820241231 2022202412312024114202420242022202420251120271231 (i)(a)(b)(c)(ii) (a)(b)(c) 5.2024 2024423202420242023202442320242024423202412312024423 6. 20231120231231202392620241231 12 20239262023109 14A.55 (1)(2)(3) 14A.56 (1)(2)(3)(4) 50% 14A3714A14A 37 (i)(ii)CACACA20199 0.2% 91.6%1 (1)44.3%7.4%22.2%26.2%70%30%50%50% (2)CA99.91%0.05%0.04%50% (3)–> 1. (a) (b) (i)(ii) (i) (ii) (iii)(i)(ii) (iv)1 (v) (vi)1 (vii) (i) (ii) (iii) (iv) (v) (vi) (vii) (c) (i)(ii) (d) (e) (i) (ii) (iii) (iv) (f) (g) 2.CA CACA 20241231 •(i)(ii)•• ••••••• • • • • 5%14A (i)14A.10514A(ii)14A.53(iii)14A.52 (1)(2)(3)20241231 3000740 (1) (2) (3) (i) 20191210.031,200