Core Viewpoint - The financial IT sector is experiencing a rise in market capitalization driven by trends in cross-border payments, stablecoins, and artificial intelligence, despite the lack of significant performance improvements in earnings among major companies [1][5]. Market Capitalization and Performance - Ten representative companies in the financial IT sector have shown varying degrees of market capitalization growth, with Runhe Software at approximately 48 billion yuan, significantly higher than its peers [2]. - Among these companies, only five reported positive net profits, and only four achieved profit growth in the first half of 2025 [1][2]. Revenue and Growth Rates - Nantian Information and Shenzhou Information led in revenue, reaching approximately 4.566 billion yuan and 4.405 billion yuan, with year-on-year growth rates of 16.76% and 7.88% respectively [2]. - Other companies reported revenues ranging from 31.1 million yuan to 1.736 billion yuan, with three companies experiencing negative growth: Yuxin Technology (-4.89%), Changliang Technology (-5.75%), and Kelong Software (-38.05%) [2]. Profitability Metrics - Yuxin Technology reported a net profit of 220 million yuan, a year-on-year increase of 35.26%, while the remaining profitable companies had net profits below 100 million yuan [3]. - The highest gross margin was reported by Yuxin Technology at 34.53%, with other companies like Changliang Technology and Kelong Software also exceeding 30% [3]. Research and Development Investment - Anshuo Information had the highest R&D expense ratio at 14.14%, with several other companies exceeding 10% [3]. Return on Equity (ROE) - Among the ten companies, five had a positive ROE, with Yuxin Technology leading at 5.11% [4]. Industry Challenges - The financial IT market is characterized by limited capacity and intense competition, with large financial institutions having self-sufficiency, which reduces demand for products and services from smaller companies [5]. - Long payment cycles and project durations are common issues affecting profitability across the industry [6]. Losses and Financial Strain - Shenzhou Information reported the largest loss at 96 million yuan, attributed to increased overdue receivables and related impairment provisions [7]. - Nantian Information's loss was due to intensified market competition and declining gross margins [7]. AI and International Expansion - Companies are increasingly leveraging AI technology to enhance efficiency and reduce costs, with several firms reporting successful AI product implementations [8]. - International markets are being targeted for growth, with companies like Kelong Software and Changliang Technology expanding their presence in Southeast Asia [9][10].

Group 1 - The company announced the convening of its first extraordinary shareholders' meeting on September 17, 2025, to review the proposals for the election of the fourth board of directors [1] - The proposals include the nomination of non-independent directors Wang Anjing, Zheng Renhuan, Du Yizhen, and Liu Penghui [1] - The independent directors nominated are Hu Guanghui, Zhang Zixi, and Zhang Zhenyi [1]

关于完成公司董事会换届选举的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚 假记载、误导性陈述或重大遗漏。 北京科蓝软件系统股份有限公司（以下简称"公司"）于2025年9月17日召 开2025年第一次临时股东会，审议通过了《关于公司董事会换届选举暨提名第四 届董事会非独立董事候选人的议案》、《关于公司董事会换届选举暨提名第四届 董事会独立董事候选人的议案》，同意选举王安京先生、郑仁寰先生、杜易真先 生、刘鹏辉先生为第四届董事会非独立董事；选举胡光辉先生、张子西先生、张 振义先生为第四届董事会独立董事。上述董事与职工代表大会选举的职工代表董 事曹平国先生组成公司第四届董事会，任期三年，自2025年第一次临时股东会审 议通过之日起计算。 | 证券代码：300663 | 证券简称：科蓝软件 公告编号：2025-094 | | --- | --- | | 债券代码：123157 | 债券简称：科蓝转债 | 北京科蓝软件系统股份有限公司 上述独立董事的任职资格和独立性已经深圳证券交易所审核备案无异议，公 司独立董事人数未低于董事会成员总数的三分之一且至少包括一名会计专业人 士，独立董事兼任境内上 ...

| 证券代码：300663 | 证券简称：科蓝软件 | 公告编号：2025-093 | | --- | --- | --- | | 债券代码：123157 | 债券简称：科蓝转债 | | 北京科蓝软件系统股份有限公司 2025 年第一次临时股东会决议公告 本公司及董事会全体成员保证公告内容真实、准确和完整，不存在任何虚假 记载、误导性陈述或者重大遗漏。 特别提示： 一、会议召开和出席情况 （一）会议召开情况 1、会议召开时间 （1）现场会议召开时间：2025 年 9 月 17 日（星期三）14:00 （2）网络投票时间：通过互联网投票系统进行网络投票的具体时间为 2025 年 9 月 17 日 9:15 至 15:00 期间的任意时间；通过深圳证券交易所交易系统进行 网络投票的具体时间为 2025 年 9 月 17 日 9:15—9：25，9：30—11:30 和 13:00 —15:00。 2、会议召开地点：北京市朝阳区朝外大街 16 号人寿大厦公司会议室 3、会议召开方式：采用现场表决与网络投票相结合的方式进行 4、会议召集人：公司董事会 1、出席会议股东的总体情况 参加公司本次股东会现场投票和网络投票的 ...

北京市东城区建国门内大街 26 号新闻大厦 7 层、8 层 电话：010-88004488/66090088 传真：010-66090016 邮编：100005 北京国枫律师事务所 关于北京科蓝软件系统股份有限公司 2025 年第一次临时股东会的 法律意见书 国枫律股字[2025]A0467 号 致：北京科蓝软件系统股份有限公司（贵公司） 1．本所律师仅就本次会议的召集与召开程序、召集人和出席现场会议人员资格、 会议表决程序及表决结果的合法性发表意见，不对本次会议所审议的议案内容及该等 议案所表述的事实或数据的真实性、准确性和完整性发表意见； 2．本所律师无法对网络投票过程进行见证，参与本次会议网络投票的股东资格、 1 网络投票结果均由相应的证券交易所交易系统和互联网投票系统予以认证； 3．本所及经办律师依据《证券法》《证券法律业务管理办法》《证券法律业务执 业规则》等规定及本法律意见书出具日以前已经发生或者存在的事实，严格履行了法 定职责，遵循了勤勉尽责和诚实信用原则，进行了充分的核查验证，保证本法律意见 所认定的事实真实、准确、完整，所发表的结论性意见合法、准确，不存在虚假记载、 误导性陈述或者重大遗漏， ...

Core Insights - The company is advancing the construction of a digital payment system based on "new digital currency" in 2025, focusing on three main lines: new digital currency wallets and payment infrastructure, cross-border currency bridges, and smart terminals, all of which have existing orders or case studies with high information completeness [1] Group 1: New Digital Currency Wallet/Payment Infrastructure Innovation - The company provides a comprehensive solution for digital RMB, offering a one-stop operational platform for wallet management, payment clearing, and scenario innovation for 2.5-tier financial institutions [2] - The new comprehensive digital currency wallet and payment infrastructure will include tokenized deposits, stablecoins, RWA, and tokenized financial assets based on digital bank accounts [2] Group 2: Digital Currency Scenario Innovation - By 2025, the company aims to complete the upgrade of the "Digital RMB Currency Bridge Engine 2.0," supporting interconnectivity among nine major banks' wallets, covering 38 types of government and trade scenarios such as payments, taxes, and fiscal allocations [4] - The company is testing automatic conversion between digital RMB and Hong Kong dollars in Qianhai, Shenzhen, and has completed pilot transactions for cross-border payments based on the mBridge digital currency bridge [4] Group 3: Continuous Advancement in Hong Kong's Web 3.0 Scenario Innovation - The company's Hong Kong subsidiary has made substantial breakthroughs in the Web 3.0 ecosystem, launching a "commercial tokenization platform" project to build a native Web 3.0 ecosystem [5] - Users can view and transfer funds in real-time through the Web 3.0 wallet, with innovations in stablecoin wallets and RWA automatic clearing smart contracts facilitating a seamless investment, payment, and redemption process [5] Group 4: Smart Terminals and Ecological Innovation - The company has developed the "Xiao Lan" digital RMB soft and hard wallet service capabilities, supporting 24/7 wallet transactions and has integrated with domestic AI models for customer service and marketing [6] - Collaborations with local governments in Shenyang, Wuhan, and Chengdu aim to establish a joint innovation platform, targeting 220,000 bank outlets to promote unmanned operations [6] - The company has established a complete closed-loop ecosystem from wallets, cross-border payments, asset tokenization to smart terminals, and has received commercial orders in three major scenarios: cross-border payments, urban commercial bank transformation, and intelligent outlet operations [6]

Group 1 - The company is actively collaborating with major financial institutions to explore the application scenarios and business models of digital currency in the financial sector [1] - As a financial technology enterprise with digital banking front, middle, and back office solutions, as well as digital RMB hardware and software products, the company is positioned to benefit from the increasing demand for digital transformation among financial institutions [1] - The proliferation of digital RMB is expected to create opportunities for the company in the banking transformation process [1]

Group 1 - The company, Kelong Software, is actively collaborating with major financial institutions to explore the application scenarios and business models of digital currency in the financial sector [1] - As a financial technology enterprise with digital banking front, middle, and back office solutions, as well as digital RMB hardware and software products, the company is positioned to benefit from the increasing demand for digital transformation among financial institutions [1] - The growing popularity of digital RMB is expected to create opportunities for the company in the banking transformation process [1]

Core Insights - Company Kelong Software (stock code: 300663) is entering the Real World Assets (RWA) and stablecoin sectors, leveraging nearly 30 years of experience in overseas financial transaction system development [1] - The company aims to establish a compliant, efficient, and global digital asset infrastructure, positioning Hong Kong as a world-class digital asset hub [1][2] - Kelong has maintained a leading position in the digital banking sector, with a consistent number one market share in mobile banking and digital banking for nearly a decade according to IDC [1] Company Strategy - Kelong Software (Hong Kong) Limited will actively participate in the global RWA industry alliance in Hong Kong, focusing on compliant on-chain solutions for various asset classes such as bills, real estate, and green assets [2] - The company has three core capabilities: a digital identity and trusted storage system certified by the Ministry of Industry and Information Technology, experience in cross-border settlement using digital RMB and central bank digital currency bridge projects, and mature smart contract and asset tokenization components in blockchain and finance scenarios [2] - Kelong has initiated commercial tokenization platform projects in collaboration with multiple institutions, indicating a significant transformation in financial forms beyond just a technological upgrade [2]

Group 1 - The board meeting of Beijing Kela Software System Co., Ltd. was held on September 5, 2025, with all 9 directors present, complying with relevant laws and regulations [1][2]. - The board unanimously approved the proposal to use self-owned funds to pay part of the fundraising project expenses and replace it with equivalent raised funds, ensuring no impact on the normal implementation of the investment plan [1][2]. - The proposal was reviewed and approved by the company's board audit committee [1].