VCREDIT FY26 H1 net profit drops 94.5% to RMB 12 million; total income falls 61.2% to RMB 969.2 million

• VCREDIT posted IFRS net profit of RMB 12 million, down 94.5% year over year; operating profit fell 90.9% to RMB 25.4 million.
• Total income dropped 61.2% to RMB 969.2 million, reflecting lower loan volume under tighter regulation and constrained market liquidity.
• Loan facilitation service fees slid 70.5% to RMB 374 million; interest and similar income sank 77.5% to RMB 245.2 million.
• Other income rose 32.8% to RMB 389.9 million, helped by higher technology and platform service fees despite guarantee losses of RMB 123.7 million.
• Loan origination volume slumped to RMB 6.06 billion; Hong Kong contributed 6.2% as Indonesia operations launched and CreFIT passed 90,000 customers.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. VCREDIT Holdings Ltd. published the original content used to generate this news brief via IIS, the regulatory disclosure system operated by the Hong Kong Stock Exchange (HKex) (Ref. ID: HKEX-EPS-20260824-12297055), on August 24, 2026, and is solely responsible for the information contained therein.