OneConnect Financial Technology : Technology Creates Value Through Expertise

专业，科技创造价值

Technology Creates Value Through Expertise

2 0 2 1 年 金 融 壹 账 通 开 放 日

O C F T O P E N D AY

2 0 2 1 年 9 月

S e p t e m b e r 2 0 2 1

Disclaimer

The information in this presentation is provided to you by OneConnect Financial Technology Co., Ltd. (the "Company") solely for informational purpose and does not constitute an offer to buy or sell or solicitation of an offer to buy or sell, any securities of the Company in any jurisdiction or an inducement to enter into investment activity, nor may it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever in the United States or anywhere else. Specifically, this presentation does not constitute a "prospectus" within the meaning of the U.S. Securities Act of 1933, as amended (the "Securities Act"). No securities of the Company may be offered or sold in the United States without registration with the U.S. Securities and Exchange Commission (the "SEC") unless pursuant to an available exemption from the registration requirement of the Securities Act. This presentation does not contain all relevant information relating to the Company or its securities, particularly with respect to the risks and special considerations involved with an investment in the securities of the Company.

This presentation does not constitute legal, regulatory, accounting or tax advice to you. This presentation does not constitute and should not be considered as any form of financial opinion or recommendation by the Company or any other party.

Thus presentation contains "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "explore," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions, and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve inherent risks and uncertainties. A number of factors could cause actual results to differ materially from those contained in any forward-looking statement, including but not limited to the following: the Company's limited operating history in the technology-as-a-service for financial institutions industry; its ability to achieve or sustain profitability; the tightening of laws, regulations or standards in the financial services industry; the Company's ability to comply with the evolving regulatory requirements in the PRC and other jurisdictions where it operates; its ability to maintain and enlarge the customer base or strengthen customer engagement; its ability to maintain its relationship with Ping An Group, which is its strategic partner, most important customer and largest supplier; its ability to compete effectively to serve China's financial institutions; the effectiveness of its technologies, its ability to maintain and improve technology infrastructure and security measures; its ability to protect its intellectual property and proprietary rights; risks of defaults by borrowers under the loans for which the Company provided credit enhancement under its legacy credit management business; its ability to maintain or expand relationship with its business partners and the failure of its partners to perform in accordance with expectations; its ability to protect or promote its brand and reputation; its ability to timely implement and deploy its solutions; its ability to obtain additional capital when desired; disruptions in the financial markets and business and economic conditions; the Company's ability to pursue and achieve optimal results from acquisition or expansion opportunities; the duration of the Covid-19 outbreak and its potential impact on the Company's business and financial performance; and assumptions underlying or related to any of the foregoing. Further information regarding these and other risks is included in the Company's annual report on Form 20-F and other filings with the SEC. The Company, its officers, advisors, or representatives undertakes no obligation to update or revise these forward‐looking statements for events or circumstances that occur subsequent to the date of this presentation, except as required under law.

The unaudited consolidated financial information is prepared in accordance with International Financial Reporting Standards (IFRS). This presentation contains certain financial measures that are not recognized under the IFRS. Non-IFRS measures are used in gross profit and Non-IFRS gross profit margin, adjusted to exclude non-cash items, which consist of amortization of intangible assets recognized in cost of revenue, depreciation of property and equipment recognized in cost of revenue, and share-based compensation expenses recognized in cost of revenue. The Company regularly reviews non-IFRS gross profit and non-IFRSNon-IFRS gross profit margin to assess the performance of its business. By excluding non-cash items, these financial metrics allow the Company to evaluate the cash conversion of one dollar revenue on gross profit. The Company uses these non-IFRS financial to evaluate its ongoing operations and for internal planning and forecasting purposes. The Company believes that non-IFRS financial information, when taken collectively, is helpful to investors because it provides consistency and comparability with past financial performance, facilitates period-to-period comparisons of results of operations, and assists in comparisons with other companies, many of which use similar financial information. The Company also believes that presentation of the non-IFRS financial measures provides useful information to its investors regarding its results of operations because it allows investors greater transparency to the information used by the Company in its financial and operational decision making so that investors can see through the eyes of the Company's management regarding important financial metrics that the management uses to run the business as well as allowing investors to better understand the Company's performance. However, non-IFRS financial information is presented for supplemental informational purposes only, and should not be considered a substitute for financial information presented in accordance with IFRS, and may be different from similarly-titlednon-IFRS measures used by other companies. In light of the foregoing limitations, you should not consider non-IFRS financial measure in isolation from or as an alternative to the financial measure prepared in accordance with IFRS. Whenever the Company uses a non-IFRS financial measure, a reconciliation is provided to the most closely applicable financial measure stated in accordance with IFRS. You are encouraged to review the related IFRS financial measures and the reconciliation of these non-IFRS financial measures to their most directly comparable IFRS financial measures. For more information on non-IFRS financial measures, please see the table captioned "Reconciliations of IFRS and non-IFRS results (Unaudited)" set forth at the end of this presentation.

THE INFORMATION CONTAINED IN THIS DOCUMENT MAY NOT BE FORWARDED, PUBLISHED OR DISTRIBUTED, DIRECTLY OR INDIRECTLY, TO ANY OTHER PERSON (WHETHER WITHIN OR OUTSIDE YOUR ORGANIZATION/ FIRM) FOR ANY PURPOSE ANY MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY FORWARDING, PUBLICATION, DISTRIBUTION OR REPRODUCTION OF THIS DOCUMENT IN WHOLE OR IN PART IS UNAUTHORIZED.

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高管介绍

Executives Introduction

叶望春 YE Wangchun

董事长兼CEO Chairman & CEO

费轶明 FEI Yiming, Michael

企业金融负责人 Head of Commercial Banking

陈旭华 CHEN Xuhua

加马平台负责人 Head of Gamma Platform

刘芳 LIU Fang, Aska

保险一账通负责人 Head of Insurance

秦政 QIN Zheng, Harry

零售金融负责人 Head of Retail Banking

陈蓉 CHEN Rong, Carol

联席总经理 Co-General Manager

黄润中 HUANG Runzhong

监事长 Chief Supervisor

罗永涛 LUO Yongtao

首席财务官 CFO

李捷 LI Jie

首席技术官 CTO

陈敏如 TAN Bin Ru

东南亚负责人 Head of SEA

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董事长致辞

Message from the Chairman

专业，科技创造价值

Technology Creates Value Through Expertise

回顾	洞察	顺势	展望
Review	Insight	Upgrade	Outlook

•

成绩：打好客户基础、产品多

•

潜力巨大：万亿金融服务市场

•

推进战略升级：升级使命、定

•

展望：做深客户、打深平台、

样化、经营持续改善

规模，OCFT运用三大差异化

位、价值和经营策略，把握市

拓展生态、中期实现盈利，实

•

不足：客户粘性、毛利率、第

竞争优势，即平安验证、技术

场机遇，赋能客户提效率、提

现增长、质量、价值的持续突

三方客户收入需改进

领先、开放平台+生态

服务、降成本、降风险

破，达成投资者的期望

•

Achievements: Expanded customer

•

Significant market potential: Financial

•

Strategy upgrade: Monetarize market

•

Outlook: Deepen customer

base, product diversification, and

services market over one trillion RMB,

with upgraded vision,

extend platform, expand

continuous operation improvement

OCFT uniquely positioned with three

value and operation

become profitable by medium-

•

Challenges: Customer stickiness, Non-

differentiated competitive advantages:

empower customers to improve

continuously make breakthroughs

IFRS gross profit margin, and 3rd-party

proven by PAG, leading-technology,

efficiency and services, reduce

growth, quality and value,

revenue to be improved

open platform + ecosystems

risks

expectations

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金融壹账通愿景：专业，科技创造价值

Our Vision: Technology Creates Value Through Expertise

目标愿景

Vision

市场潜力

Market Potential

客户需求

Customer Needs

价值主张

Value Proposition

独特优势

Unique Advantages

发展阶段

Developing Stages

盈利模式

Revenue Model

专业，科技创造价值

Technology Creates Value Through Expertise

金融机构	服务生态
FIs	Ecosystems
~3,300亿	~万亿级市场
~RMB 330 bn	Trillion RMB market potential
金融机构：FIs	服务生态 Ecosystems
数字化转型需求加速	场景+数据，挖掘生态价值
Accelerating needs for digital	Scenario + data, capture
transformation	ecosystem value

两提两降

Four key values

提升效率	提升服务	降低成本	降低风险
Improve efficiency	Improve service	Reduce cost	Reduce risk
平安验证	技术全球领先		开放平台+生态
Ping An proven	Leading technology	Open platform + ecosystem
I	II		III	IV
跑马圈地	客户深耕		拓展生态	全球领先
Customer Acquisition	Customer Focus		Ecosystem	World-leading
金融机构 FIs				服务生态 Ecosystems
"技术+业务" 双赋能；系统实施+业务服务		平台+场景+服务；平台建设+运营服务
tech + business dual empowering; implementation + transaction based		Platforms + scenarios + services; platform implementation + operation support

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