WeBank has built a scalable model centred on widely accessible, low-cost financial services, expanding access through tailored lifecycle offerings and advanced digital capabilities. With a growing customer base of 430 million, it demonstrates exceptional scale and financial inclusion, supported by continued investment in its AI engineering platform and digital infrastructure that deliver high reliability and handle peak daily transaction volumes exceeding 1.4 billion. It maintained solid financial performance in 2024, with a loan-to-deposit ratio of 86% and return on equity consistently above 20%, while continuing to strengthen risk modelling, compliance and customer protection.