• 經調整後EBITDA虧損按年改善49%至330萬美元
• 收入結構持續優化，高利潤的保險及財富管理業務收入佔比提升至25%，按年增長11個百分點
• 營運成本按年下降55%，佔總收入44%，按年減少20個百分點

新加坡, June 13, 2025 (GLOBE NEWSWIRE) — MoneyHero Limited（納斯達克：MNY，「MoneyHero」或「公司」），是領先大東南亞地區的個人理財產品比較平台及數字保險經紀服務供應商，今日公佈截至2025年3月31日止第一季度財務業績。    

管理層評論：

行政總裁Rohith Murthy先生表示：

「我們在2025年取得了良好的開端，延續了去年策略調整後帶來的強勁勢頭。第一季度財務表現顯著改善，淨虧損由去年同期的1,310萬美元收窄至240萬美元，經調整後EBITDA虧損縮窄至330萬美元，而營運成本更下降20個百分點，佔總收入44%。這些成果反映了我們對提升收入質量、營運槓桿以及利潤率擴張的嚴格把控。    

事實證明，我們的策略方向正確，且已展現出顯著成效。通過將資源重新分配到保險和財富管理等高利潤業務，帶動了公司的可持續盈利增長， 相關業務收入佔總收入25%，按年增長11個百分點。值得一提的是，我們與bolttech合作推出的汽車保險平台表現超出預期，通過提供無縫的端到端體驗和實時定價服務，實現了更高的轉化率與穩定的經常性收入。      

集團營運效率亦顯著提升。經歷去年的公司重組並重設成本基礎後，我們善用AI技術，在擴展業務規模的同時保持精簡的成本結構。從內容創作到服務自動化，再到流程工序化，AI使我們在維持開支穩定的同時，有效提升團隊生產力，減少查詢量，並提升用戶體驗。該舉措有助於我們在季度內持續改善經濟效益。      

集團用戶基礎正迅速擴大，MoneyHero註冊會員人數按年增長38%，突破800萬。我們亦進一步優化市場營銷策略，通過提供更精準的個性化推薦方案，有效提升用戶參與度。在營銷成本按年減少25%的情況下，實現了更佳的轉化效果。

我們的主要市場菲律賓正在逐步復甦。繼去年主要銀行合作夥伴退出市場後，集團近日已與菲律賓群島銀行（Bank of the Philippine Islands，「BPI」）及菲律賓中華銀行（Rizal Commercial Banking Corporation，「RCBC」）建立新合作夥伴關係，成功恢復主要產品供應。隨著這些合作逐步擴大規模， 預期於2025年下半年將錄得顯著增長動力。   

展望未來，2025年上半年的重點將繼續鞏固現有營運成果。下半年，我們預期將加速實行增長策略，包括擴展銀行合作網絡、加快發展高利潤的保險業務，並聯同TransUnion推出Credit Hero Club。Credit Hero Club為用戶提供免費信用評分、信用監察及個人化理財產品建議，預期可進一步提升用戶參與度及轉化率。我們對於加速收入增長及於2025年後期實現正面的經調整後 EBITDA充滿信心。   

此外，集團目前無負債，並持有3,660萬美元現金，具備充足資源投資於高回報的增長項目，並積極把握區域個人理財比較市場的發展機遇。將繼續專注於嚴謹執行、優質增長及審慎資本配置，致力引領市場整合，為股東創造長遠價值，並於市場變化中高效擴展業務規模。」

暫代首席財務官梁嘉燁先生表示：

「本季度的財務表現反映了自2024年下半年策略調整以來，集團在提升收入質量及強化營運效益方面取得的顯著進展。        

雖然收入按年下降35%，但收入結構明顯改善，高利潤的業務佔比持續提升。個人貸款收入佔比由15%提升至17%，保險由8%提升至13%，財富管理由6%提升至12%，而低利潤的信用卡收入佔比進一步下降13個百分點至57%。營運成本按年減少55%，佔總收入比例44%，按年下降20個百分點。毛利率明顯改善，充分體現了我們轉型策略的成功，並展示了我們向高質量、可持續收入方向的進一步發展。        

集團的營運效率措施已見成效，通過縮減廣告及市場營銷、科技、員工福利及行政等各方面的開支，集團總營運開支按年減少26%。我們嚴格管控成本，同時策略性投放於用戶拓展、技術平台升級及數據基礎建設等領域。

在毛利率擴張及營運開支減少的雙重推動下，期内淨虧損由去年同期的1,310萬美元大幅收窄至240萬美元，減幅超過1,000萬美元。經調整後EBITDA虧損亦由去年同期的640萬美元進一步改善至330萬美元，展現我們正逐步實現可持續盈利的目標。        

展望未來，我們預期隨著毛利率提升及營運效率持續改善，經調整後EBITDA將於全年持續改善。我們有信心於2025年後期錄得正面的經調整後EBITDA。集團現金狀況穩健，將持續透過審慎投資策略，推動盈利增長，並持續為股東創造價值。」         

2025年第一季度財務摘要

• 2025年第一季收入按年下降35%至1,431萬美元，反映公司策略性向多元化收入結構轉變以提升收入質量，並受到去年同期因信用卡業務垂直領域大規模推廣帶來的高市場份額影響。
  • 2025年第一季保險產品收入按年增長4%至190萬美元，佔總收入13%，較去年同期為8%。
  • 2025年第一季財富產品收入按年增長20%至170萬美元，佔總收入12%，較去年同期為6%。
• 營運成本按年下降55%至640萬美元，佔總收入44%，較去年同期的64%下降20個百分點，這主要得益於通過優化獎賞成本實現的毛利率改善 。
• 剔除匯兌差額影響後，總營運開支降至1,830萬美元，對比去年同期3,040萬美元，主要受惠於更具針對性及成本效益更高的市場營銷、結合策略性技術成本優化、簡化工作流程及全面的人力資源成本重組計劃。
• 期內淨虧損大幅收窄至240萬美元，去年同期為1,310萬美元，主要受營運及非營運開支（包括匯兌及金融工具公允價值變動）下降所影響。
• 2025年第一季經調整後EBITDA虧損由去年同期640萬美元改善至330萬美元。

2025年第一季度營運摘要

• 截至2025年3月31日止三個月，每月獨立用戶錄得570萬
• MoneyHero Group會員（可獲得更定制化產品資訊和推薦）按年上升38%達到810萬人
• 於2025年第一季共獲得39.9萬份申請，期内經批准的申請數量為15.5萬份

資本結構
截至2025年3月31日，公司資本結構如下表：

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¹包括已發行予香港中央證券登記有限公司（「Computershare」）的618,717股股份，該等股份由其信託持有，並將於認股權行使及由Computershare向相關行使認股權之持有人交收後分派。
² 包括已授出但尚未行使的認股權，以及已行使但截至2025年3月31日尚未完成股份發行的認股權。
³ 為認股權行使前預先發行予Computershare的股份，由其信託持有，並將於完成認股權行使及交收後分派予相關行使人。
⁴ 公認股權證、保薦人認股權證、A-1 類認股權證、A-2 類認股權證及 A-3 類認股權證因缺錢而排除在外。

主要財務數據/關鍵績效指標表現

收入細分

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⁵ 自2024年7月1日起，本集團已由Google Analytics 4代替使用Universal Analytics。因此，我們無法就過渡後期間提供具可比性的點擊數據。有關方法學調整的更多詳情，請參閱《關鍵營運指標及非國際財務報告準則（非IFRS）財務指標》。
⁶ 鑑於本集團業務性質，我們經常需時等待商業合作夥伴確認申請數量及獲批申請數量。因此，如相關數據未能即時取得，所披露數字或會採用估算方法計算得出。

關鍵營運指標

電話會議詳情

公司將於2025年6月13日（星期五）上午8:00（美國東部時間）/晚上8:00（新加坡標準時間）舉行電話會議及網絡直播，公佈公司財務業績。

MoneyHero Limited（NASDAQ: MNY）2025年第一季度財報電話會議可通過以下鏈接登記參加：

網絡直播: https://edge.media-server.com/mmc/p/q7ymzw9v    
電話會議: https://register-conf.media-server.com/register/BI715b6ae9a0fa497a9a90877eaad916ac    

網路重播將會在投資者關係網站內保留12 個月。

___________________________
⁷ 自2024年7月1日起，本集團已由Google Analytics 4代替使用Universal Analytics。因此，過渡後的月度獨立訪客數及總流量數據無可比性。請參閱〈關鍵營運指標及非國際財務報告準則（非IFRS）財務指標〉一節，以了解有關方法更新的更多資訊。

有關 MoneyHero Group

MoneyHero Limited (納斯達克：MNY) ) 是領先市場的個人數碼理財比較平台，旗下品牌服務遍佈新加坡、香港、台灣、及菲律賓等市場，旗下品牌組合包括 B2C 平台 MoneyHero、SingSaver、Money101、Moneymax 和 Seedly，以及 B2B 平台 Creatory。公司持有馬來西亞金融科技公司 Jirnexu Pte. Ltd. 的股權，其為 Jirnexu Sdn. Bhd. 的母公司，而 Jirnexu Sdn. Bhd. 是馬來西亞最大的 B2C 營運平台 RinggitPlus 的營運商。截至 2025年3月 31 日止，公司與超過260間商業合作夥伴緊密合作，擁有超過570萬個每月獨立用戶量。公司由 PayPal、Palantir Technologies 、和 Founders Fund 的聯合創辦人 Peter Thiel，以及香港商人、盈科拓展集團創辦人、主席兼行政總裁李澤楷先生支持。了解更多有關MoneyHero 如何推動亞太地區的數碼經濟，請瀏覽www.MoneyHeroGroup.com.  

(以下部分文字只供英文版本)

Key Performance Metrics and Non-IFRS Financial Measures

Historically, we utilized data from Universal Analytics (“UA”), Google’s analytics platform, to measure three key business metrics: monthly unique users, traffic, and clicks. Effective July 1, 2024, Google Analytics 4 (“GA4”) replaced UA. The methodologies used in GA4 are different and not comparable to the methodologies used in UA. While Google has provided some guidance on these differences, Google has not made available sufficient information for us to assess the impact (whether positive or negative) of this transition on our key business metrics, nor can we quantify the extent of such impact. Furthermore, due to the adoption of GA4, we have adjusted our definitions of these key business metrics to enhance accuracy and align them more closely with previous definitions under UA. Therefore, we are unable to provide comparable data for monthly unique user, traffic, and clicks for any periods prior to July 1, 2024.

“Monthly Unique User” means as a unique user with at least one session in a given month as determined by a unique device identifier from GA4. A session begins when a user opens an app in the foreground or views a page or screen while no other session is currently active (e.g., the prior session has ended). A session concludes after 30 minutes of user inactivity. To measure Monthly Unique Users over a period longer than one month, we calculate the average of the Monthly Unique Users for each month within that period. If an individual accesses a website or app from different devices within a given month, each device is counted as a separate unique user. However, if an individual logs in and accesses a website or app using the same login across different devices, they will only be counted as one unique user.

“Traffic” means the total number of unique sessions in GA4. A unique session is a group of user interactions recorded when a user accesses a website or app within a 30-minute window. The current session concludes when there is 30 minutes of inactivity or users have a change in traffic source.

“MoneyHero Group Members” means (i) users who have login IDs with us in Singapore, Hong Kong and Taiwan, (ii) users who subscribe to our email distributions in Singapore, Hong Kong, Taiwan, the Philippines and Malaysia, and (iii) users who are registered in our rewards database in Singapore and Hong Kong. Any duplications across the three sources above are deduplicated.

“Clicks” means the sum of unique clicks by product item on a tagged “Apply Now”, “Express Buy”, “Buy” or similar button on our website, including product result pages and blogs. We track Clicks to understand how our users engage with our platforms prior to application submission or purchase, which enables us to further optimize conversion rates.

“Applications” means the total number of product applications submitted by users and confirmed by our commercial partners.

“Approved Applications” means the number of applications that have been approved and confirmed by our commercial partners.

In addition to MoneyHero Group’s results determined in accordance with IFRS, MoneyHero Group believes that the key performance metrics above and the non-IFRS measures below are useful in evaluating its operating performance. MoneyHero Group uses these measures, collectively, to evaluate ongoing operations and for internal planning and forecasting purposes. MoneyHero Group believes that non-IFRS information, when taken collectively, may be helpful to investors because it provides consistency and comparability with past financial performance and may assist in comparisons with other companies to the extent that such other companies use similar non-IFRS measures to supplement their IFRS results. These non-IFRS measures are 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 titled non-IFRS measures used by other companies. Accordingly, non-IFRS measures have limitations as analytical tools, and should not be considered in isolation or as substitutes for analysis of other IFRS financial measures, such as profit/(loss) for the year/period and profit/(loss) before income tax.

Adjusted EBITDA is a non-IFRS financial measure defined as loss for the year/period plus depreciation and amortization, interest income, finance costs, income tax expenses/(credit), equity-settled share-based payment expenses, transaction expenses, changes in the fair value of financial instruments, non-recurring legal fees, and unrealized foreign exchange differences. Adjusted EBITDA Margin is defined as Adjusted EBITDA as a percentage of revenue.

A reconciliation is provided for each non-IFRS measure to the most directly comparable financial measure stated in accordance with IFRS. Investors are encouraged to review the related IFRS financial measures and the reconciliations of these non-IFRS measures to their most directly comparable IFRS financial measures. IFRS differs from U.S. GAAP in certain material respects and thus may not be comparable to financial information presented by U.S. companies. We currently, and will continue to, report financial results under IFRS, which differs in certain significant respects from U.S. GAAP.

(以下部分文字只供英文版本)

Forward Looking Statements

This document includes “forward-looking statements” within the meaning of the United States federal securities laws and also contains certain financial forecasts and projections. All statements other than statements of historical fact contained in this communication, including, but not limited to, statements as to the Group’s growth strategies, future results of operations and financial position, market size, industry trends and growth opportunities, are forward-looking statements. Some of these forward-looking statements can be identified by the use of forward-looking words, including “outlook,” “believes,” “expects,” “potential,” “continues,” “may,” “will,” “should,” “could,” “seeks,” “predicts,” “intends,” “trends,” “plans,” “estimates,” “anticipates” or the negative version of these words or other comparable words. All forward-looking statements are based upon estimates and forecasts and reflect the views, assumptions, expectations, and opinions of the Company, which are all subject to change due to various factors including, without limitation, changes in general economic conditions. Any such estimates, assumptions, expectations, forecasts, views or opinions, whether or not identified in this communication, should be regarded as indicative, preliminary and for illustrative purposes only and should not be relied upon as being necessarily indicative of future results. The forward-looking statements and financial forecasts and projections contained in this communication are subject to a number of factors, risks and uncertainties. Potential risks and uncertainties that could cause the actual results to differ materially from those expressed or implied by forward-looking statements include, but are not limited to, changes in business, market, financial, political and legal conditions; the Company’s ability to attract new and retain existing customers in a cost effective manner; competitive pressures in and any disruption to the industries in which the Company and its subsidiaries (the “Group”) operates; the Group’s ability to achieve profitability despite a history of losses; and the Group’s ability to implement its growth strategies and manage its growth; the Group’s ability to meet consumer expectations; the success of the Group’s new product or service offerings; the Group’s ability to attract traffic to its websites; the Group’s internal controls; fluctuations in foreign currency exchange rates; the Group’s ability to raise capital; media coverage of the Group; the Group’s ability to obtain adequate insurance coverage; changes in the regulatory environments (such as anti-trust laws, foreign ownership restrictions and tax regimes) and general economic conditions in the countries in which the Group operates; the Group’s ability to attract and retain management and skilled employees; the impact of the COVID-19 pandemic or any other pandemic on the business of the Group; the success of the Group’s strategic investments and acquisitions, changes in the Group’s relationship with its current customers, suppliers and service providers; disruptions to the Group’s information technology systems and networks; the Group’s ability to grow and protect its brand and the Group’s reputation; the Group’s ability to protect its intellectual property; changes in regulation and other contingencies; the Group’s ability to achieve tax efficiencies of its corporate structure and intercompany arrangements; potential and future litigation that the Group may be involved in; and unanticipated losses, write-downs or write-offs, restructuring and impairment or other charges, taxes or other liabilities that may be incurred or required and technological advancements in the Group’s industry. The foregoing list of factors is not exhaustive. You should carefully consider the foregoing factors and the other risks and uncertainties described in the “Risk Factors” section of the Company’s annual report for the year ended December 31, 2024 on Form 20-F (File No.: 001-41838), registration statement on Form F-1 (File No.: 333-275205), and other documents to be filed by the Company from time to time with the U.S. Securities and Exchange Commission. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. In addition, there may be additional risks that the Company currently does not know, or that the Company currently believes are immaterial, that could also cause actual results to differ from those contained in the forward-looking statements. Forward-looking statements reflect the Company’s expectations, plans, projections or forecasts of future events and view. If any of the risks materialize or the Company’s assumptions prove incorrect, actual results could differ materially from the results implied by these forward-looking statements. Forward-looking statements speak only as of the date they are made. The Company anticipates that subsequent events and developments may cause their assessments to change. However, while the Company may elect to update these forward-looking statements at some point in the future, the Company specifically disclaims any obligation to do so, except as required by law. The inclusion of any statement in this document does not constitute an admission by the Company or any other person that the events or circumstances described in such statement are material. These forward-looking statements should not be relied upon as representing the Company’s assessments as of any date subsequent to the date of this document. Accordingly, undue reliance should not be placed upon the forward-looking statements. In addition, the analyses of the Company contained herein are not, and do not purport to be, appraisals of the securities, assets, or business of the Company.

MoneyHero查詢聯繫方式：

投資者關係：
MoneyHero投資者關係團隊
[email protected] 

媒體關係：
MoneyHero公關團隊
[email protected]

未經審核的綜合損益及其他全面(虧損)/收益表

未經審核的綜合財務狀況表

維多利亞，塞舌爾, June 13, 2025 (GLOBE NEWSWIRE) — 頂尖的加密貨幣交易所和 Web3 公司 Bitget 現已為敘利亞公民提供服務平台。 這在近期 OFAC 制裁暫停之後進行。 敘利亞公民和居民現在可以在該平台上註冊、完成身份驗證並獲得全套服務，包括 P2P、現貨交易、期貨和獲取收益的產品。

對於一個長期面臨衝突、經濟孤立和難以觸及可靠金融體系的國家來說，這項更新別具重要意義。 在缺乏穩定的銀行基礎設施的情況下，加密貨幣在現實生活中非常實用，可作為生存、發展和連接廣闊世界的工具。 加密貨幣在敘利亞普及，更進一步彰顯加密貨幣在傳統體系失效或無法觸及的地方發揮重要作用。

有賴於此，敘利亞用戶現在可以使用 Bitget 的所有主要功能，包括由當地貨幣支援的點對點 (P2P) 交易、現貨和期貨市場、跟單交易，以及可透過持有加密貨幣而獲得被動收入的 Bitget Earn 產品。 流動應用程式和網頁平台還提供多種語言支援和全天候安全監控，以確保交易安全。 教育內容、交易工具和客戶服務觸手可及，逐步引領新用戶。

Bitget 決定接納敘利亞用戶，源於其重點策略：對於加密貨幣在當地發揮重要作用的地區，為實際用例提供支援。 公司將敘利亞納入覆蓋範圍，充分顯示團隊向最急需這種服務的地方伸出援手的意願。

 Bitget 行政總裁 Gracy Chen 說：「在 Bitget，優先事項很明確：幫助最需要加密貨幣的人。 我們的平台旨在為那些面對不穩定的經濟形勢、銀行業務受限或動蕩政治局面的人士提供服務。 擴展業務，為敘利亞用戶提供服務，是我們整體工作的一部分，以便在金融工具發揮最大作用的地區提供有影響力的相關產品。」

Bitget 仍然注重在加密貨幣於日常生活中發揮關鍵作用的地區擴大可用範圍。 對於敘利亞用戶來說，Bitget 將在積極維護安全、高效、便利的渠道方面擔當重要角色，方便大眾採用加密貨幣。 公司將分配資源來提升當地的參與度和可及性，並確保敘利亞用戶能夠採用業界領先的產品和一流的工具來探索加密貨幣的世界。

即日起，敘利亞用戶可以使用平台的全部功能，展開精彩旅程。

如欲註冊，請瀏覽此處。

關於 Bitget

Bitget 成立於 2018 年，是全球頂尖的加密貨幣交易所和 Web3 公司。 Bitget 交易所於 150 多個國家和地區服務超過 1.2 億名用戶，致力透過其開創性的跟單功能和其他交易解決方案，協助用戶更明智地進行交易，同時提供即時獲知比特幣價格、以太坊價格及其他加密貨幣價格的功能。 Bitget Wallet 前稱為 BitKeep，這個領先的非託管加密錢包支援 130 多條區塊鏈及數百萬種代幣， 整合多鏈交易、質押理財、支付功能與 20,000 多個去中心化應用程式 (DApps) ，並將進階兌換服務及市場見解分析整合至單一平台。 透過策略夥伴合作關係，Bitget 一直不遺餘力推動加密貨幣普及化，例如擔任世界頂級足球賽事西班牙甲組足球聯賽 (LALIGA) 在東亞 (EASTERN) 、東南亞 (SEA) 和拉丁美洲 (LATAM) 的加密貨幣官方合作夥伴，以及土耳其國家級運動員 Buse Tosun Çavuşoğlu （摔角世界冠軍）、Samet Gümüş （拳擊金牌得主）及 İlkin Aydın（國家排球隊成員）的全球合作夥伴，致力鼓勵世界各地社群迎接加密貨幣這個未來趨勢。

如欲了解詳情，請瀏覽：網站 | Twitter | Telegram | LinkedIn | Discord | Bitget Wallet

傳媒查詢請聯絡：[email protected]

風險提示：數碼資產價格存在波動，並有可能出現巨大波幅。 建議投資者只分配能承受損失的資金作投資。 任何投資的價值可能會受到影響，而且財務目標有可能無法實現，或投資本金有可能無法收回。 請務必徵詢獨立的財務意見，並慎重考慮個人的理財經驗和財務狀況。 過往表現並非未來業績的可靠指標。 對由此產生的任何潛在損失，Bitget 恕不承擔責任。 本文中包含的一切內容均不應被視為財務建議。 如需了解更多資訊，請參閱我們的使用條款。

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