51信用卡2024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 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2024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151.7百 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2024年6月30日，小藍本的註冊用戶數為約6.9百萬名。 The Group operates a widely-used credit card management platform, 51CreditCard Manager App(“51 Credit Card Manager”).As at 30 June2024,the number of registered users of 51 Credit Card Manager wasapproximately88.8 million,and the number of credit cards we hadmanagedcumulatively amounted to approximately 151.7 million.InSeptember2019,we launched a commercial information searching tool,Little Blue Book App (“Little Blue Book”), with an aim to provide userswith valuable commercial information. As at 30 June 2024, Little Blue Bookhad approximately 6.9 million registered users. 2024年上半年，露營服務受到市場環境的影響，截至2024年6月30日止六個月的收益較去年同期減少，我們因此對露營業務作出了優化調整；信貸撮合業務方面，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。 In the first half of 2024, affected by market conditions, camping servicesrecorded less revenue for the six months ended 30 June 2024 as comparedwiththe corresponding period of last year,and therefore we madeoptimizationand adjustment on the camping business.As for the creditfacilitation business, given the anticipated impact of the increasingly stringentfinancial regulatory policies, we gradually fine-tuned the operation strategy oftheGroup’s credit facilitation business,with the aim of strictly ensuringbusinesscompliance while monitoring the overall scale of the creditfacilitation business. 截至2024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2023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，通過精細化成本調控，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，並持續保持盈利。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。 For the six months ended 30 June 2024, the To B SaaS business of LittleBlue Book experienced a significant growth as our sales force size, salesforce effectiveness, and monthly sales nearly doubled as compared to that asof the end of 2023. Customer purchases, renewal rate and customer unitprices also registered a steady growth as compared to the correspondingperiodin 2023,and we continued to maintain profitability due to theGroup’sproactive marketing and development efforts with refined costcontrol.In general,the To C business of Little Blue Book remainedrelativelystable and continued to generate some leads to the To Bbusiness, which further consolidated the collective competitive strength of CTo B. 綜上所述，截至2024年6月30日止六個月，我們的收益為 約 人 民 幣116.6百 萬 元，較2023年 同 期 的 約 人 民 幣138.5百萬元下降約15.8%；我們的經營虧損為約人民幣34.1百萬元，而2023年同期的經營溢利為約人民幣7.7百萬元；及我們的淨虧損為約人民幣48.1百萬元，較2023年同期的約人民幣6.2百萬元上升約674.9%。 Insummary,for the six months ended 30 June 2024,our revenue wasapproximately RMB116.6 million, representing a decrease of approximately15.8%as compared to approximately RMB138.5 million for thecorrespondingperiod in 2023;our operating loss was approximatelyRMB34.1million,as compared to the operating profit of approximatelyRMB7.7 million for the corresponding period in 2023; and our net loss wasapproximately RMB48.1 million, representing an increase of approximately674.9% as compared to approximately RMB6.2 million for the correspondingperiod in 2023. Management Discussion and Analysis管理層討論及分析 非國際財務報告準則（「非國際財務報告準則」）計量方面，截至2024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虧損為約人民幣31.5百萬元，而2023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9.2百萬元；及我們的非國際財務報告準則經調整淨虧損為約人民幣34.1百萬元，而2023年同期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。請參考本報告的「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。 Asfor non-International Financial Reporting Standards(“non-IFRS”)measures, for the six months ended 30 June 2024, our non-IFRS adjustedoperating loss was approximately RMB31.5 million, as compared with non-IFRSadjusted operating profit of approximately RMB9.2 million for thecorrespondingperiod in 2023;and our non-IFRS adjusted net loss wasapproximatelyRMB34.1 million,as compared with non-IFRS adjusted netprofitof approximately RMB3.9 million for the corresponding period in2023. Please refer to the section headed “FINANCIAL REVIEW — Non-IFRS measures” of this report for the definitions, explanations of usage andreconciliations of non-IFRS measures. (1)非國際財務報告準則期內經調整經營（虧損）╱溢利定義為截至2024年及2023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）、出售物業、廠房及設備的虧損的經營（虧損）╱溢利。詳情請參考本報告的「財務回顧—非國際財務報告準則計量」一節。 (1)Non-IFRS adjusted operating (loss)/profit for the period is defined as operating(loss)/profitfor the six months ended 30 June 2024 and 2023 excludingshare-based compensation expenses, fair value gain/(loss) of financial assets atfair value through profit or loss (“FVPL”), loss on disposal of property, plantandequipment.For more details,please refer to the section headed“FINANCIAL REVIEW — Non-IFRS measures” of this report. (2)非國際財務報告準則期內經調整淨（虧損）╱溢利定義為截至2024年及2023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（虧損）╱溢利、出售物業、廠房及設備的虧損的淨（虧損）╱溢利。詳情請參考本報告的「財務回顧—非國際財務報告準則計量」一節。 (2)Non-IFRS adjusted net (loss)/profit for the period is