Far East Horizon (3360) investor relations material

Executive summary

• Achieved total revenue of RMB 35.8 billion and net profit attributable to shareholders of RMB 3.9 billion in 2025, with all business segments profitable despite external challenges.

• Maintained a stable financial structure, robust risk management, and improved asset quality with a decline in non-performing assets to 1.03%.

• Dividend payout increased to HKD 0.56 per share, with a payout ratio of 61%, reflecting enhanced shareholder returns.

• Maintained leading ESG ratings and completed RMB9.7 billion in sustainable development financing.

Financial highlights

• Total revenue for 2025 was RMB 35,785 million, down 5.2% year-over-year; profit attributable to ordinary shareholders was RMB 3,889 million, up 0.67%.

• Total assets grew 2.93% year-over-year to RMB 370,961 million; interest-earning assets rose 4.38% to RMB 272,047 million.

• Financial business revenue increased 4.47% year-over-year to RMB 22.7 billion; inclusive finance revenue surged 125.25%.

• EPS decreased 5.43% year-over-year to RMB 0.87; ROA and ROE slightly declined to 1.09% and 7.71%, respectively.

• Net interest margin improved to 4.83%; net interest spread rose to 4.39%.

Outlook and guidance

• Plans to continue optimizing asset structure in domestic markets and expand overseas operations, especially in equipment and healthcare segments.

• Will continue the “finance + industry” strategy, focusing on model innovation, operational efficiency, and differentiated competitive advantages.

• Focus on maintaining stable dividend policy and further improving shareholder returns.