The banking business of the Group is conducted by Ant Bank (Macao). In September 2024, the Group officially completed the acquisition of a controlling stake in Ant Bank (Macao), increasing its equity interest in Ant Bank (Macao) to approximately 51.5%, thereby completing an important strategic acquisition in the financial services sector in Macau and in the broader digital economy, and establishing specialised financial services characterised by inclusivity, convenience, and a seamless user experience.

Ant Bank (Macao) is a digital bank holding a full banking licence in Macau. Combining local Macau characteristics with fintech innovation, it continuously explores new frontiers and applications in financial technology, providing customers with secure, inclusive, and convenient digital financial services. In the retail banking sector, Ant Bank (Macao) has introduced numerous innovations in the Macau market, offering comprehensive financial solutions to meet diverse customer needs in payments, savings, wealth management, and investment.

Ant Bank (Macao) provides comprehensive financial services including cross-border remittances, payment, savings, loans, wealth management, insurance agency and securities investment to Macau residents and SMEs. We continued to refine our product portfolio around the core financial needs of Macau residents and SMEs, now offering specialised services such as multi-currency deposits, fixed and demand deposits, online credit loans for individuals, and trading of Hong Kong and US securities, thereby integrating the entire business chain from deposit, loans, wealth management to investment. With our innovative service model, customers can enjoy a comprehensive digital financial experience on a single platform, significantly improving service efficiency and customer satisfaction.

In terms of risk management and security, we adhere to the principle of ensuring the safety and stability of banking operations, maintaining our capital adequacy ratio at industry-leading level, and safeguarding the security of our clients’ funds and the stability of their businesses. Through a robust risk management system and strict internal control mechanisms, we ensure the steady operation of the bank.