Ping An Digital Bank Deepens Trade Finance to Serve the Real Economy with Financial Services

Expanding Financing Scenarios and Leveraging Alternative Data for Efficient Credit Approval, Pioneering Trade SMEs to Set Sail Globally as their Preferred Banking Partner

HONG KONG SAR – Media OutReach Newswire – 21 October 2026 – Ping An Digital Bank (International) Limited ("Ping An Digital Bank" / "Bank") remains steadfast in its commitment to trade SMEs, empowering the real economy through financial services and striving to become the premier banking partner for trade SMEs expanding overseas. To provide more comprehensive support for enterprises, Ping An Digital Bank is expanding its trade finance portfolio by launching Receivables Financing and Invoice Financing. The dual-track approach, powered by alternative data, enables streamlined credit assessments and facilitates one-stop platform loan disbursements in as fast as one day. The initiatives provide SMEs with robust support at every critical juncture of their trade lifecycle, championing their ascent to the international stage and unlocking vast global business opportunities.

Mr. Terry Tam, Head of Business Banking at Ping An Digital Bank, said, "Since its inception, Ping An Digital Bank has been a trusted partner for SMEs as they scale and venture overseas. As Hong Kong's first digital bank to utilise alternative data for credit assessment, we have consistently broken down financing barriers for SMEs, providing tailored unsecured loans for trading enterprises to resolve business pain points at their root. The launch of these trade finance solutions marks a significant milestone in building a fully integrated trade finance ecosystem. Leveraging our fintech advantages and deep expertise, we hope to continue playing a leading role and strive to become the preferred bank for trading SMEs going global, assisting them in resolving funding pain points, and steadily expanding into broader international markets."

Curated specifically for trading enterprises, these newly launched trade finance solutions offer flexible revolving credit facilities of up to HK$50 million, aligning seamlessly with every phase of the trade lifecycle. Among them, Receivables Finance is designed specifically for exporters, enabling them to obtain early liquidity against pending sales receivables simply by submitting commercial invoices and bills of lading. Invoice Financing addresses the procurement needs of importers. Approved financing amounts are paid directly into the supplier's account, thereby streamlining cumbersome procedures, and offers flexible repayment terms of 3 to 6 months to alleviate upfront capital pressure. Furthermore, all drawdown processes are centralised on a single digital platform, allowing funds to be accessible in as fast as 1 business day.

Ping An Digital Bank stands as a steadfast partner for trading SMEs in their global expansion, providing strong support across key stages of the trade lifecycle with full-chain financing solutions. In addition to the newly introduced Receivables Finance and Invoice Financing for importers and exporters, the Bank provides Purchase Order Financing for cross-border e-commerce procurement, as well as Cross-border e-Commerce Revolving Loan for flexible cash flow management. As a market leader in alternative data applications, Ping An Digital Bank replaces traditional, tedious bank statement reviews with real-time operational data. This data-driven approach offers a deeper, more accurate picture of an SME's actual business performance, allowing for fast, highly efficient credit approvals. Precise application of alternative data and effective leverage of fintech enable Ping An Digital Bank to offer exclusive unsecured loan for SME customers of Tradelink. By replacing financial statements with customs declarations and trade data, the "Trade-Connect Loan" requires no document submission for credit assessment, truly streamlining cumbersome loan approval procedures to benefit trade SMEs and empower enterprises through financial technology.

Moving forward, Ping An Digital Bank will continue to uphold the mission 'Always with You. Always Ahead.' Leveraging our forward-looking fintech capabilities, we offer an all-in-one digital banking experience spanning account opening, currency exchange, cross-border remittance, and flexible lending. We are committed to exploring the potential of the alternative data and transforming technological innovation into sustainable growth for SMEs, striving to be their most reliable partner on the global stage.

Hashtag: #平安數字銀行 #PingAnDB #商業銀行 #BusinessBanking #中小企 #SME #應收賬融資 #ReceivablesFinancing #發票融資 #InvoiceFinancing

The issuer is solely responsible for the content of this announcement.

Ping An Digital Bank

Ping An Digital Bank (International) Limited ("Ping An Digital Bank," "PingAnDB") is a wholly-owned subsidiary of Lufax Holding Ltd ("Lufax") (SEHK: 6623; NYSE: LU) and a member of Ping An Insurance (Group) Company of China, Ltd. ("Ping An") (SEHK: 2318; SSE: 601318). Ping An Digital Bank was granted a banking licence by the Hong Kong Monetary Authority in May 2019 to offer retail banking and business banking services. Backed by Ping An's advanced technology, Ping An Digital Bank is elevating banking experience, serving customers in Hong Kong and the Greater Bay Area, establishing itself as Ping An Group's integrated financial platform in Hong Kong.

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KUALA LUMPUR, MALAYSIA – Media OutReach Newswire – 21 October 2026 – UEM Edgenta Berhad ("UEM Edgenta" or "the Company"), a leading Asset Management and Infrastructure Solutions company, today announced the launch of its inaugural Young Entrepreneurship Programme (YEP), a new initiative developed to identify, train and mentor young entrepreneurs within the Company's vendor ecosystem. The inaugural cohort comprises six vendors from UEM Edgenta's Infrastructure Solutions and Asset Management business ecosystems, marking the start of a structured, multi-phase journey towards operational readiness and long-term business growth.

The six vendors were selected through a rigorous, multi-tiered screening process. Companies were assessed against eligibility criteria centred on youthful leadership and business track record, before undergoing desktop audits, pre-assessments and site visits benchmarked against the Malaysia Business Excellence Framework (MBEF). Vendors demonstrating the required readiness, strategic relevance to UEM Edgenta and potential for sustainable growth were shortlisted for the inaugural cohort.

YEP is designed to build on the success of UEM Edgenta's existing Vendor Development Programme, with a sharper focus on empowering young business owners. The programme aims to develop industry-ready vendors that meet UEM Edgenta's operational and compliance standards, while strengthening their long-term business viability. In doing so, YEP supports the aspirations of Rancangan Malaysia Ke-13 (RMK13) to raise the socioeconomic standing of the rakyat, particularly through youth empowerment, digital innovation, financial inclusion, and Technical and Vocational Education and Training (TVET).

To deliver the training component, the Company has forged strategic partnerships with Institut Keusahawanan Negara (INSKEN) and the Construction Industry Development Board (CIDB) Malaysia. INSKEN will lead training on business model development, leadership, and strategic planning, culminating in an INSKEN certification, while CIDB will provide technical training on tender, contract, and financial management as well as management systems, supporting participants' compliance and competitiveness within the construction and infrastructure industry. These external modules are complemented by internal business training delivered through Edgenta Academy.

Shaiful Subhan, Managing Director/Chief Executive Officer of UEM Edgenta, said the programme reflects the Company's commitment in nurturing a resilient and future-ready vendor base. "As we look ahead, we want to build a supplier ecosystem that is diverse, competitive and driven by capability and performance. We believe opportunities should be earned through commitment, quality and willingness to grow, not simply by how long a company has been in business. A strong supply chain is not built overnight. It is built by investing in people, developing capabilities and creating long-term partnerships that grow together," he said.

Beyond its immediate vendor ecosystem, UEM Edgenta views YEP as a platform to contribute to the broader national agenda of socioeconomic mobility, helping young business owners transform innovative ideas into commercially viable ventures that, in time, create new employment opportunities within their own communities. The inaugural cohort has been intentionally kept small to allow for high-quality, intensive mentorship and customised training. The Company will evaluate the outcomes of this inaugural batch to guide future investment and the potential expansion of the programme to a wider pool of young entrepreneurs in subsequent years.

Hashtag: #UEMEdgenta #UEMEdgentaBerhad #YEP #YoungEntrepreneurshipProgramme

The issuer is solely responsible for the content of this announcement.

About UEM Edgenta

UEM Edgenta Berhad ("UEM Edgenta"), a wholly-owned subsidiary of UEM Group Berhad, is an Asset Management and Infrastructure Solutions company that delivers integrated, end-to-end solutions across the entire asset lifecycle, combining engineering excellence in design, project management and asset consultancy with tech-enabled asset management capabilities to optimise asset performance, efficiency and resilience.

With operations across Malaysia, Singapore, Indonesia, Taiwan, the United Arab Emirates and the Kingdom of Saudi Arabia, UEM Edgenta supports the reliable and sustainable performance of critical assets, including healthcare facilities, transportation networks and industrial infrastructure.

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