51信用卡2024年中期报告

目录 Contents ManagementDiscussionandAnalysis 管理层讨论及分析 2 CondensedConsolidatedInterimStatementofComprehensiveLoss 简明综合中期全面亏损表 19 CondensedConsolidatedInterimStatementofFinancialPosition 简明综合中期财务状况表 21 CondensedConsolidatedInterimStatementofChangesinEquity 简明综合中期权益变动表 23 CondensedConsolidatedInterimStatementofCashFlows 简明综合中期现金流量表 25 NotestotheCondensedConsolidatedInterimFinancialInformation 简明综合中期财务资料附注 26 OtherInformation 其他资料 65 51信用卡有限公司2024中期报告1 管理层讨论及分析 ManagementDiscussionandAnalysis BUSINESSREVIEW TheGroupoperatesawidely-usedcreditcardmanagementplatform,51CreditCardManagerApp(“51CreditCardManager”).Asat30June2024,thenumberofregisteredusersof51CreditCardManagerwasapproximately88.8million,andthenumberofcreditcardswehadmanagedcumulativelyamountedtoapproximately151.7million.InSeptember2019,welaunchedacommercialinformationsearchingtool,LittleBlueBookApp(“LittleBlueBook”),withanaimtoprovideuserswithvaluablecommercialinformation.Asat30June2024,LittleBlueBookhadapproximately6.9millionregisteredusers. Inthefirsthalfof2024,affectedbymarketconditions,campingservicesrecordedlessrevenueforthesixmonthsended30June2024ascomparedwiththecorrespondingperiodoflastyear,andthereforewemadeoptimizationandadjustmentonthecampingbusiness.Asforthecreditfacilitationbusiness,giventheanticipatedimpactoftheincreasinglystringentfinancialregulatorypolicies,wegraduallyfine-tunedtheoperationstrategyoftheGroup’screditfacilitationbusiness,withtheaimofstrictlyensuringbusinesscompliancewhilemonitoringtheoverallscaleofthecreditfacilitationbusiness. Forthesixmonthsended30June2024,theToBSaaSbusinessofLittleBlueBookexperiencedasignificantgrowthasoursalesforcesize,salesforceeffectiveness,andmonthlysalesnearlydoubledascomparedtothatasoftheendof2023.Customerpurchases,renewalrateandcustomerunitpricesalsoregisteredasteadygrowthascomparedtothecorrespondingperiodin2023,andwecontinuedtomaintainprofitabilityduetotheGroup’sproactivemarketinganddevelopmenteffortswithrefinedcostcontrol.Ingeneral,theToCbusinessofLittleBlueBookremainedrelativelystableandcontinuedtogeneratesomeleadstotheToBbusiness,whichfurtherconsolidatedthecollectivecompetitivestrengthofCToB. Insummary,forthesixmonthsended30June2024,ourrevenuewasapproximatelyRMB116.6million,representingadecreaseofapproximately15.8%ascomparedtoapproximatelyRMB138.5millionforthecorrespondingperiodin2023;ouroperatinglosswasapproximatelyRMB34.1million,ascomparedtotheoperatingprofitofapproximatelyRMB7.7millionforthecorrespondingperiodin2023;andournetlosswasapproximatelyRMB48.1million,representinganincreaseofapproximately674.9%ascomparedtoapproximatelyRMB6.2millionforthecorrespondingperiodin2023. 业务回顾 日，51信用卡管家”）。于2024年6月30 计管理信用卡数量约51信用卡管家的注册用户数为约88.8百万名，累 本管集家团应运用营程一序款（“广泛使用的信用卡管理平台51信用卡 本”），旨在为用户提供有价值的商业信息。于2024年 们推出一款商业信息搜15索1.工7百具万小张蓝。本于应2用01程9年序9（“月小，我蓝 6月30日，小蓝本的注册用户数为约6.9百万名。 年月日止六个月的收益较去年同期减少，我们 2024年上半年，露营服务受到市场环境的影响，截至 制整体的撮合业务规模。 2因0此24对露6营3业0务作出了优化调整；信贷撮合业务方面，受业金务融的监经管营政策策略，趋在严严的格预遵期守影业响，务我合们规逐性步的调同整时撮，合控 CToB的联动竞争优势。 截获至得2较02为4年显6着月的30增日长止，六我个们月的，销小售蓝团本队To人数B、Sa销aS售业务人员长，效在能集以团及积月极度的销营售销额推相广比2工02作3年的底努均力实下现，通近过翻精倍增细化也成实本现调环控比，稳我步们增在长客，户并增持购续、保续持费盈率利和。客总单体价而方言，面小供部蓝分本线To索C商业机务，维进持一相步对夯平实稳发展，并持续为ToB提 138.5百万元下降约15.8%；我们的经营亏损为约人民币 48.1百万元，较 年同期的约人民币百万元上升约。 116.6百万元，较2023年同期的约人民币 综为上约所人述民，币截至2024年6月30日止六个月，我们的收益3百4.万1百元万；元及，我而们2的023净年亏同损期为的约经人营民溢币利为约人民币7.7 20236.2674.9% 251CREDITCARDINC.2024InterimReport 管理层讨论及分析 ManagementDiscussionandAnalysis Asfornon-InternationalFinancialReportingStandards(“non-IFRS”)measures,forthesixmonthsended30June2024,ournon-IFRSadjustedoperatinglosswasapproximatelyRMB31.5million,ascomparedwithnon-IFRSadjustedoperatingprofitofapproximatelyRMB9.2millionforthecorrespondingperiodin2023;andournon-IFRSadjustednetlosswasapproximatelyRMB34.1million,ascomparedwithnon-IFRSadjustednetprofitofapproximatelyRMB3.9millionforthecorrespondingperiodin2023.Pleaserefertothesectionheaded“FINANCIALREVIEW—Non-IFRSmeasures”ofthisreportforthedefinitions,explanationsofusageandreconciliationsofnon-IFRSmeasures. 非面，国截际至财2务02报4年告6准月则3（0“日非止国六际个财月务，报我告们准的则非”国）计际量财方务 3.9 报告准则经调整经营亏损为约人民币31.5百万元，而 调整净亏损为约人民币9.2百万元；及我们的非国际财务报告准则经 解释及对账。 2约02人3年民同币期的非国际财务报告准则经调整经营溢利为非国际财务报告准则经调34整.1净百溢万利元为，约而人20民23币年同期百的万元则。计请量参”一考节本对报非告国的际“财务报回告顾准—则非计国量际的财定务义报，告用准法 Forthesixmonthsended30June Period-on-periodchange 截至6月30日止六个月 20242023 同比变动 Percentageof RMB’000revenue Percentageof RMB’000revenuePercentage 人民币千元占 (unaudited) （约）（约） （未经审核） 人民币千元占 (unaudited) （约）（约）（约） （未经审核） 百分比 SaaSservicefeeSaaS服务费 Revenue收益 Creditcardtechnologyservicefee信用卡科技服务费 Creditfacilitationandservicefee信贷撮合及服务费 Otherrevenue其他收益 Campingservicefee露营业务服务费 Netlossfortheperiod期内净亏损 Operating(loss)/profitfortheperiod期内经营（亏损）╱溢利 （亏损）╱溢利(1) Non-IFRSmeasures非国际财务报告准则计量 (approximate)(approximate) 116,568100.0% 29,43325.2% 1,3281.2% 46,02939.5% 8,6247.4% 31,15426.7% (34,084) (48,129) (approximate)(approximate)(approximate) 138,465100.0%(15.8%) 36,94826.7%(20.3%) 12,8519.3%(89.7%) 52,27637.8%(12.0%) 18,50513.4%(53.4%) 不适用 17,88512.8%74.2% 7,725N/A