51信用卡2022年中期报告

ManagementDiscussionandAnalysis CondensedConsolidatedInterimStatementofComprehensiveLossCondensedConsolidatedInterimStatementofFinancialPositionCondensedConsolidatedInterimStatementofChangesinEquityCondensedConsolidatedInterimStatementofCashFlows NotestotheCondensedConsolidatedInterimFinancialInformationOtherInformation Contents 目录 管理层讨论及分析2 简明综合中期全面亏损表16 简明综合中期财务状况表18 简明综合中期权益变动表20 简明综合中期现金流量表22 简明综合中期财务资料附注24 其他资料63 51信用卡有限公司2022中期报告1 管理层讨论及分析 ManagementDiscussionandAnalysis BUSINESSREVIEW 51CreditCardInc.(the“Company”,togetherwithitssubsidiaries,the“Group”,or“we”)operatesawidely-usedcreditcardmanagementplatform,51CreditCardManagerApp(“51CreditCardManager”).Asat30June2022,thenumberofregisteredusersof51CreditCardManagerwasapproximately88.5million,andthenumberofcreditcardswehadmanagedcumulativelyamountedtoapproximately150.7million.InSeptember2019,welaunchedacommercialinformationsearchingtool,LittleBlueBookApp(“LittleBlueBook”),withanaimtoprovideuserswithvaluablecommercialinformation.Asat30June2022,LittleBlueBookhadapproximately6.6millionregisteredusers. Inthefirsthalfof2022,facingthesporadicoutbreaksofCOVID-19pandemic(the“Pandemic”)andmacroeconomicuncertainties,wecontinuedtoadjustourbusinessstrategiesofthefacilitationbusiness,focusingontheusermanagementofhigh-qualityexistingcustomerstoprovidethemwithmorediversifiedcreditfacilitationproducts,whiletheoveralldelinquencyrateofcreditfacilitationassetsmaintainedatalowlevel.Meanwhile,therecoveryofoverdueassetsgeneratedfromhistoricalcreditfacilitationbusinessmaintainedapositivemomentum. DespitetheslowdownintheexpansionplanofToBbusinessofLittleBlueBookduetotheimpactofthePandemic,wehaveachievedcomprehensivegrowthinrespectofthenumberofcustomers,customerunitprice,salesefficiency,etc.,aswellasgainedrelativelyprofoundunderstandingandaccumulationofmultipleindustries.Inaddition,thememberserviceofcorporatebusinessinformationinquiryprovidedbytheToCbusinessofLittleBlueBookforindividualsimprovedsignificantlycomparedwiththecorrespondingperiodin2021,providingToBbusinesswithnearly20%ofthecustomers’salesclosingopportunities,effectivelyreducingthecomprehensivecustomeracquisitioncost,furtherverifyingandconsolidatingthecompetitiveadvantagesofCtoB. Insummary,forthesixmonthsended30June2022,ourrevenuewasapproximatelyRMB261.9million,representinganincreaseofapproximately24.1%ascomparedtoapproximatelyRMB211.0millionforthecorrespondingperiodin2021;ouroperatinglosswasapproximatelyRMB10.7million,representingadecreaseofapproximately94.7%ascomparedtotheoperatinglossofapproximatelyRMB203.7millionforthecorrespondingperiodin2021;andournetlosswasapproximatelyRMB20.3million,representingadecreaseofapproximately89.6%ascomparedtoapproximatelyRMB194.4millionforthecorrespondingperiodin2021. 业务回顾 51信用卡有限公司（“本公司”），连同其附属公司（“本集团”或“我们”）运营一款广泛使用的信用卡管理平台51信用卡管家应用程序（“51信用卡管家”）。于2022年 6月30日，51信用卡管家的注册用户数为约88.5百万名，累计管理信用卡数量约150.7百万张。于2019年9月，我们推出一款商业信息搜索工具小蓝本应用程序（“小蓝本”），旨在为用户提供有价值的商业信息。于2022年6月30日，小蓝本的注册用户数为约6.6百万名。 于2022年上半年，面对新型冠状病毒疫情（“疫情”）疫情间歇性爆发和疫情引起的宏观经济不确定性，我们持续调整撮合业务的经营策略，专注于优质存量客户的用户管理，为其提供更为多样的信贷撮合产品，且整体信贷撮合资产逾期率维持较低水平。同时，历史存量信贷撮合业务形成的逾期资产的回收情况保持了良好态势。 尽管受到疫情影响，小蓝本ToB业务扩张计划放缓，我们在客户数量、客户单价、销售效率等方面获得了全面性提升，并对多个行业有较为深刻的理解和积累。此外，小蓝本ToC业务提供面向个人的企业商业信息查询会员服务相比2021年同期获得明显提升，并为ToB业务提供了近20%的成交客户机会，有效降低综合获客成本，进一步验证和夯实CToB的竞争优势。 综上所述，截至2022年6月30日止六个月，我们的收益为约人民币261.9百万元，较2021年同期的约人民币211.0百万元上升约24.1%；我们的经营亏损为约人民币10.7百万元，较2021年同期的经营亏损为约人民币203.7百万元下降约94.7%；及我们的净亏损为约人民币20.3百万元，较2021年同期的约人民币194.4百万元下降约89.6%。 251CREDITCARDINC.2022InterimReport 管理层讨论及分析 ManagementDiscussionandAnalysis Asfornoninternationalfinancialreportingstandards(“non-IFRS”)non-IFRSmeasures,forthesixmonthsended30June2022,ournon-IFRSadjustedoperatingprofitwasapproximatelyRMB14.9million,ascomparedwithnon-IFRSadjustedoperatingprofitofapproximatelyRMB4.7millionforthecorrespondingperiodin2021;andournon-IFRSadjustednetprofitwasapproximatelyRMB4.9million,ascomparedwithnon-IFRSadjustednetprofitofapproximatelyRMB27.8millionforthecorrespondingperiodin2021.Pleaserefertothesectionheaded“FINANCIALREVIEW–Non-IFRSmeasures”ofthisreportforthedefinitions,explanationsofusageandreconciliationsofnon-IFRSmeasures. 非国际财务报告准则（“非国际财务报告准则”）计量方面，截至2022年6月30日止六个月，我们的非国际财务报告准则经调整经营溢利为约人民币14.9百万元，而2021年同期的非国际财务报告准则经调整经营溢利为约人民币4.7百万元；及我们的非国际财务报告准则经调整净溢利为约人民币4.9百万元，而2021年同期的非国际财务报告准则经调整净溢利为约人民币27.8百万元。请参考本报告的“财务回顾－非国际财务报告准则计量”一节对非国际财务报告准则计量的定义、用法解释及对账。 Forthesixmonthsended30June Periodon periodchange 截至6月30日止六个月同比变动 20222021 RMB’000 Percentage ofrevenueRMB’000 Percentage ofrevenuePercentage 百分比 人民币千元占收益的人民币千元 (unaudited)(unaudited) （未经审核）（未经审核） 占收益的 百分比百分比 (approximate)(approximate)(approximate)(approximate)(approximate) Revenue CreditfacilitationandservicefeePaymentservicefeeCreditcardtechnology servicefeeSaaSservicefeeOtherrevenue OperatinglossfortheperiodNetlossfortheperiod 收益 信贷撮合及服务费支付服务费信用卡科技服务费SaaS服务费其他收益 期内经营亏损期内净亏损 261,905 100.0% 210,985 100.0% 24.1% 76,294 29.1% 135,583 64.3% (43.7%) 133,931 51.1% 22,182 10.5% 503.8% 17,420 6.7% 19,200 9.1% (9.3%) 14,384 5.5%