51信用卡2023年中期报告

Contents目錄 Management Discussion and Analysis管理層討論及分析 業務回顧 BUSINESS REVIEW The Group operates a widely-used credit card management platform, 51 CreditCard Manager App (“51 Credit Card Manager”). As at 30 June 2023, thenumber of registered users of 51 Credit Card Manager was approximately 88.8million, and the number of credit cards we had managed cumulatively amountedto approximately 151.6 million. In September 2019, we launched a commercialinformation searching tool, Little Blue Book App (“Little Blue Book”), with anaim to provide users with valuable commercial information. As at 30 June 2023,Little Blue Book had approximately 6.8 million registered users. 本 集 團 運 營 一 款 廣 泛 使 用 的 信 用 卡 管 理 平 台51信 用卡管家應用程序（「51信用卡管家」）。於2023年6月30日，51信用卡管家的註冊用戶數為約88.8百萬名，累計管理信用卡數量約151.6百萬張。於2019年9月，我們推出一款商業信息搜索工具小藍本應用程序（「小藍本」），旨在為用戶提供有價值的商業信息。於2023年6月30日，小藍本的註冊用戶數為約6.8百萬名。 In the first half of 2023, our innovative business achieved considerabledevelopment momentum as we broke previous records of the revenue size inthe SaaS business and camping services. On the other hand, given the anticipatedimpact of the increasingly stringent financial regulatory policies, we gradually fine-tuned the operating strategy of the Group’s credit facilitation business, with theaim of strictly ensuring business compliance while monitoring the overall scale ofthe credit facilitation business. 2023年上半年，我們的創新業務發展態勢良好，SaaS業務和露營業務服務的收入規模均取得突破；另一方面，受金融監管政策趨嚴的預期影響，我們逐步調整撮 合 業 務 的 經 營 策 略 ， 在 嚴 格 遵 守 業 務 合 規 性 的 同時，控制整體的撮合業務規模。 For the six months ended 30 June 2023, the To B SaaS business of LittleBlue Book experienced a significant growth as our sales force size, sales forceeffectiveness, and monthly sales doubled as compared to that as of the endof 2022 and customer purchases, renewal rate and customer unit prices alsoregistered a steady growth as compared to the corresponding period of 2022due to the Group’s proactive marketing and development efforts. In general,the To C business of Little Blue Book remained relatively stable and continuedto generate some leads to the To B business, which further consolidated thecollective competitive strength of C To B. 截至2023年6月30日止六個月，小藍本To B SaaS業務獲得較為顯著的增長，我們的銷售團隊人數、銷售人員效能以及月度銷售額相比2022年底均實現近翻倍增長，在集團積極的營銷推廣工作的努力下，我們在客戶增購、續費率和客單價方面也實現環比穩步增長。總體而言，小藍本To C業務維持相對平穩發展，並持續為To B提供部分線索商機，進一步夯實C To B的聯動競爭優勢。 In summary, for the six months ended 30 June 2023, our revenue wasapproximately RMB138.5 million, representing a decrease of approximately47.1% as compared to approximately RMB261.9 million for the correspondingperiod in 2022; our operating profit was approximately RMB7.7 million, ascompared to the operating loss of approximately RMB10.7 million for thecorresponding period in 2022; and our net loss was approximately RMB6.2million, representing a decrease of approximately 69.4% as compared toapproximately RMB20.3 million for the corresponding period in 2022. 綜上所述，截至2023年6月30日止六個月，我們的收益為約人民幣138.5百萬元，較2022年同期的約人民幣261.9百 萬 元 下 降 約47.1%； 我 們 的 經 營 溢 利 為 約人民幣7.7百萬元，而2022年同期的經營虧損為約人民 幣10.7百 萬 元； 及 我 們 的 淨 虧 損 為 約 人 民 幣6.2百萬 元 ， 較2022年 同 期 的 約 人 民 幣20.3百 萬 元 下 降 約69.4%。 Management Discussion and Analysis管理層討論及分析 非國際財務報告準則計量方面，截至2023年6月30日止六個月，我們的非國際財務報告準則經調整經營溢利為約人民幣9.2百萬元，而2022年同期的非國際財務報告準則經調整經營溢利為約人民幣14.9百萬元；及我們的非國際財務報告準則經調整淨溢利為約人民幣3.9百萬元，而2022年同期的非國際財務報告準則經調整淨溢利為約人民幣4.9百萬元。請參考本公告的「財務回顧－非國際財務報告準則計量」一節對非國際財務報告準則計量的定義，用法解釋及對賬。 As for non International Financial Reporting Standards (“non-IFRS”) measures, forthe six months ended 30 June 2023, our non-IFRS adjusted operating profit wasapproximately RMB9.2 million, as compared with non-IFRS adjusted operatingprofit of approximately RMB14.9 million for the corresponding period in 2022;and our non-IFRS adjusted net profit was approximately RMB3.9 million, ascompared with non-IFRS adjusted net profit of approximately RMB4.9 millionfor the corresponding period in 2022. Please refer to the section headed“FINANCIAL REVIEW – Non-IFRS measures” of this announcement for thedefinitions, explanations of usage and reconciliations of non-IFRS measures. Management Discussion and Analysis管理層討論及分析 註釋︰ Notes: (1)非國際財務報告準則期內經調整經營溢利定義為截至2023年及2022年6月30日止六個月不包含以股份為基礎的薪酬開支、按公允價值計入損益（「按公允價值計入損益」）的金融資產的公允價值收益╱（虧損）、無形資產減值損失及使用權益法入賬的投資的減值損失的經營虧損。詳情請參考本公告的「財務回顧－非國際財務報告準則計量」一節。 (1)Non-IFRS adjusted operating profit for the period is defined as operating loss for the sixmonths ended 30 June 2023 and 2022 excluding share-based compensation expenses,fair value gain/(loss) of financial assets at fair value through profit or loss (“FVPL”),impairment loss of intangible assets and impairment loss of investments accounted forusing equity method. For more details, please refer to the section headed “FINANCIALREVIEW – Non-IFRS measures” of this announcement. (2)非 國 際 財 務 報 告 準 則 期 內 經 調 整 淨 溢 利 定 義 為 截 至2023年 及2022年6月30日 止 六 個 月 不 包 含 以 股 份 為基 礎 的 薪 酬 開 支 、 按 公 允 價 值 計 入 損 益 的 金 融 資產╱（負債）的公允價值收益╱（虧損）、無形資產減值損失及用權益法入賬的投資的減值損失的淨虧損。詳情請參考本公告的「財務回顧－非國際財務報告準則計量」一節。 (2)Non-IFRS adjusted net profit for the