香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負 責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部 或任何部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 （於開曼群島註冊成立之有限公司） （股份代號：2051） 截至2022年12月31日止年度 之年度業績公告 51信用卡有限公司（「本公司」）董事（「董事」）會（「董事會」）公佈本公司及其附屬公 司（統稱「本集團」或「我們」）截至2022年12月31日止年度之經審核綜合業績。 財務摘要 2022年 2021年 同比變動 人民幣千元 人民幣千元 百分比 （約） （約） （約） 收益 395,739 440,098 -10.1% 信貸撮合及服務費 113,799 237,411 -52.1% 支付服務費 152,945 78,560 94.7% ...

User Metrics - As of June 30, 2022, the number of registered users of the 51 Credit Card Manager was approximately 88.5 million, and the cumulative number of credit cards managed was approximately 150.7 million[7]. - The Little Blue Book App had approximately 6.6 million registered users as of June 30, 2022, contributing to the company's understanding and accumulation of multiple industries despite the pandemic's impact on business expansion[9]. Financial Performance - For the six months ended June 30, 2022, the company's revenue was approximately RMB 261.9 million, representing an increase of approximately 24.1% compared to RMB 211.0 million for the same period in 2021[10]. - The operating loss for the same period was approximately RMB 10.7 million, a decrease of approximately 94.7% from an operating loss of approximately RMB 203.7 million in the prior year[10]. - The net loss for the period was approximately RMB 20.3 million, down approximately 89.6% from RMB 194.4 million in the corresponding period of 2021[10]. - The non-IFRS adjusted operating profit for the period was approximately RMB 14.9 million, compared to RMB 4.7 million for the same period in 2021, reflecting a growth of 215.5%[15]. - The non-IFRS adjusted net profit was approximately RMB 4.9 million, a decrease of approximately 82.3% from RMB 27.8 million in the prior year[15]. - Total revenue increased by approximately 24.1% from approximately RMB 211.0 million for the six months ended June 30, 2021, to approximately RMB 261.9 million for the six months ended June 30, 2022[33]. - The company reported a loss for the period attributable to owners of the Company of RMB 6,389,000 for the six months ended June 30, 2022, compared to a loss of RMB 177,291,000 for the same period in 2021, indicating a significant improvement[129]. - Total comprehensive loss for the period, net of tax, was RMB 19,168,000, a decrease from RMB 192,028,000 in the prior year, reflecting a reduction in overall losses[129]. Revenue Breakdown - The payment service fee revenue increased significantly to RMB 133.9 million, representing 51.1% of total revenue, compared to RMB 22.2 million in the same period last year, marking a growth of 503.8%[17]. - The credit facilitation and service fee revenue decreased to RMB 76.3 million, accounting for 29.1% of total revenue, down 43.7% from RMB 135.6 million in the previous year[17]. - SaaS service fee increased by approximately 15.2% from approximately RMB 12.5 million for the six months ended June 30, 2021, to approximately RMB 14.4 million for the six months ended June 30, 2022[36]. - Credit facilitation business volume decreased by approximately 12.1% from approximately RMB 1,777.1 million in the first half of 2021 to approximately RMB 1,562.3 million in the first half of 2022[21]. Operating Expenses - Total operating expenses decreased by approximately 34.3% from approximately RMB 414.7 million for the six months ended June 30, 2021, to approximately RMB 272.6 million for the six months ended June 30, 2022[44]. - Origination and servicing expenses increased by approximately 73.2% from approximately RMB 113.9 million for the six months ended June 30, 2021, to approximately RMB 197.3 million for the six months ended June 30, 2022[45]. - Research and development expenses decreased by approximately 11.9% from approximately RMB 24.4 million for the six months ended June 30, 2021, to approximately RMB 21.5 million for the six months ended June 30, 2022[48]. - Employee benefits expenses decreased from approximately RMB 47.9 million for the six months ended June 30, 2021, to approximately RMB 39.7 million for the six months ended June 30, 2022, a decrease of approximately 17.1%[50]. - Sales and marketing expenses decreased by approximately 17.0% from approximately RMB 23.0 million for the six months ended June 30, 2021, to approximately RMB 19.1 million for the six months ended June 30, 2022[49]. Cash Flow and Liquidity - The company maintained a net cash position of RMB 169 million as of June 30, 2022, an increase from RMB 121 million as of December 31, 2021[77]. - The group recorded a net cash inflow of approximately RMB 39 million for the six months ended June 30, 2022, primarily from operating activities[82]. - Cash and cash equivalents increased to RMB 352 million as of June 30, 2022, compared to RMB 313 million as of December 31, 2021[77]. - The net increase in cash and cash equivalents for the period was RMB 38,597,000, compared to a decrease of RMB (136,165,000) in the previous year, reflecting improved cash flow management[145]. - The company reported proceeds from share incentives exercised and vested at RMB 420,000, which is a new source of cash inflow[145]. Financial Position - The company's total assets as of June 30, 2022, amounted to RMB 1,550,967,000, slightly down from RMB 1,559,214,000 at the end of 2021[132]. - The company's total liabilities decreased to RMB 782,657,000 as of June 30, 2022, from RMB 800,468,000 at the end of 2021, indicating a reduction in financial obligations[135]. - The company's total equity increased to RMB 768,310,000 as of June 30, 2022, up from RMB 758,746,000 at the end of 2021, reflecting a strengthening of the equity base[135]. - The debt-to-asset ratio was approximately 11.8% as of June 30, 2022, compared to 12.3% as of December 31, 2021[85]. Risk Management - The group is exposed to various financial risks, including market risk, credit risk, and liquidity risk, with a focus on minimizing potential adverse effects on financial performance[157]. - The Group measures credit risk using Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), consistent with models applied in the consolidated financial statements for the year ended December 31, 2021[159]. - The Group's overall risk management plan focuses on minimizing potential adverse impacts on financial performance due to market unpredictability[160]. Future Outlook - The company plans to further develop its financial technology operations and improve existing risk control models while maintaining low business risk[119]. - The SaaS business will focus on product upgrades based on customer needs, aiming to enhance service satisfaction and efficiency[121]. - The company will adjust its co-branded card business model in response to new credit card regulations, which may lead to a short-term decrease in income[120].

User Base and App Performance - As of December 31, 2021, the number of registered users of the 51 Credit Card Manager App reached approximately 88.3 million, with a cumulative total of approximately 149.9 million credit cards managed[17]. - The Little Blue Book App had approximately 6.5 million registered users as of December 31, 2021, since its launch in September 2019[25]. - The management discussion highlighted the importance of the 51 Credit Card Manager App in creating a comprehensive ecosystem for credit management services[25]. - The professional service attitude contributed to increased loyalty among existing users and attracted more quality users[17]. Financial Performance - For the year ended December 31, 2021, the revenue was approximately RMB 440.1 million, representing a year-on-year increase of approximately 60.4% from RMB 274.3 million in 2020[31]. - The operating loss for the year was approximately RMB 199.3 million, a significant decrease of approximately 86.1% from RMB 1,438.4 million in 2020[31]. - The net loss for the year was approximately RMB 260.7 million, down approximately 84.8% from RMB 1,716.4 million in 2020[31]. - Total revenue increased by approximately 60.4% from approximately RMB 274.3 million for the year ended December 31, 2020, to approximately RMB 440.1 million for the year ended December 31, 2021[59]. Revenue Breakdown - The credit facilitation and service fee revenue increased by 148.8% to RMB 237.4 million, accounting for 53.9% of total revenue[37]. - The payment service fee revenue rose by 74.7% to RMB 78.6 million, representing 17.9% of total revenue[37]. - Credit facilitation business volume was approximately RMB 4,317.2 million in 2021, representing an increase of approximately 78.6% from approximately RMB 2,416.9 million in 2020[1]. - SaaS service fee increased by approximately 9.6% from approximately RMB 29.9 million for the year ended December 31, 2020, to approximately RMB 32.7 million for the year ended December 31, 2021[56]. Cost Management and Expenses - Total operating expenses decreased by approximately 62.7% from approximately RMB 1,712.7 million in 2020 to approximately RMB 639.4 million in 2021[62]. - Research and development expenses decreased by approximately 28.3% from approximately RMB 70.0 million in 2020 to approximately RMB 50.2 million in 2021, mainly due to a reduction in R&D staff[70]. - Sales and marketing expenses decreased by approximately 12.3% from approximately RMB 60.9 million in 2020 to approximately RMB 53.4 million in 2021, while achieving growth in credit facilitation business[64]. - General and administrative expenses decreased by approximately 28.1% from approximately RMB 140.6 million in 2020 to approximately RMB 101.1 million in 2021, due to a reduction in administrative staff[65]. Risk Management and Delinquency Rates - The credit facilitation business saw a steady increase in the scale of existing customers, maintaining a low delinquency rate due to stringent risk control measures[26]. - The Day-1 delinquency rate of credit facilitation assets facilitated in 2021 was lower than 6.0%[1]. - The 30-day collection rate of overdue assets was approximately 84.6% in 2021[1]. - The delinquency rate of credit facilitation assets maintained at a low level due to stringent risk control measures adopted in 2021[81]. Leadership and Management - The company appointed Sun Haitao as the Chairman and CEO since September 2017, with extensive experience in internet business and credit card management applications[157]. - Zhu Jianfei, appointed as an executive director in September 2021, has rich experience in management consulting and business operations[158]. - Wu Shan has been an executive director since January 2022, responsible for investment, finance, and legal affairs of the group[161]. - The company has a strong focus on integrating finance with internet technologies, leveraging the expertise of its management team[164]. Future Plans and Strategic Focus - The Company plans to adjust its financial technology business model and SaaS development pace in 2022, focusing on providing de-guaranteed credit facilitation services to licensed credit institutions[146][149]. - The Group aims to enhance its innovative business, particularly in the Little Blue Book sector, by leveraging big data, cloud computing, and AI technologies to improve sales efficiency and customer engagement[148][150]. - The Company will focus on optimizing customer structure and providing reasonable credit service products to quality customers in the financial technology sector[146][149]. - The Company plans to conduct large-scale marketing campaigns for bank customers after verifying service capabilities and quality[147]. Financial Position and Cash Flow - As of December 31, 2021, the Group maintained a net cash position of RMB 122 million, down from RMB 214 million in 2020[101]. - The Group experienced a net cash outflow of approximately RMB 99.5 million for the year, primarily due to operating activities outflow of RMB 22.9 million[103]. - Cash and cash equivalents as of December 31, 2021 amounted to RMB 314 million, compared to RMB 413 million in 2020[101]. - The gearing ratio was approximately 12.3% as of December 31, 2021, compared to approximately 10.6% as of December 31, 2020[104]. Employee and Talent Management - The company has established a competitive compensation management system linked to performance appraisal, aimed at attracting high-quality talent and ensuring sustainable development[140][144]. - The Group's employee training system includes professional, management, and general-purpose training to enhance skills and leadership quality[140][144]. - As of December 31, 2021, the Group had approximately 300 employees, with total staff costs amounting to approximately RMB 168.2 million for the year[139]. Compliance and Governance - The company is committed to corporate governance and financial transparency, as evidenced by the qualifications of its financial leadership[199]. - The company emphasizes the importance of legal and financial affairs in its operations, as highlighted by Wu Shan's role[161]. - The strategic appointments within the company aim to strengthen its operational efficiency and financial oversight[199].

■■■ 0 0 1 5 1 CREDIT CARD 2021中具 Eld o 2021 INTERIM REPOR 股份代號：２０５１ : 5１ 信 用 卡 有 限 公 司 5 1 C R E D I T C C A R D I N C . ( 於 開 曼 群 島 註 冊 成 立 之 有 限 公 司 ) (Incorporated in the Cayman Islands with limited liability) Contents 目錄 Contents 目錄 | --- | --- | |-------------------------------------------------------------------|--------------------------| | | | | Management Discussion and Analysis | 管理層討論及分析 | | Report on Review of Interim Financial Information | 中期財務資料的審閱報告 | | Condensed Consolidated Interim Stateme ...

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