投资者关系活动记录表 证券代码：300674 证券简称：宇信科技 北京宇信科技集团股份有限公司 投资者关系活动记录表 编号：2025-006 | 投资者关系活动 | 特定对象调研 | 分析师会议 | 媒体采访 | | | --- | --- | --- | --- | --- | | 类别 |  业绩说明会 | 新闻发布会 | 路演活动 | | | | 现场参观 | | 其他（券商策略会、电话会议） | | | | 机构名称 | 机构名称 | 机构名称 | 机构名称 | | | 太平国发(苏州) | 循远资管 | 德睿恒丰 | 鹏华基金 | | | 鸿竹资管 | 鸿运私募 | 九祥资管 | 美银证券 | | | 百川财富(北京) | 兴业银行 | RowPlant Capital 方正证券 | | | | 中泽控股 | 招商证券 | 华西证券 | 申万宏源 | | | 陆宝投资 | 峰辰资管 | 中汇守正 | 磐安资管 | | | 雅戈尔 | 中荷人寿 | 陆家嘴信托 | 摩根士丹利亚洲 | | | 中金公司 | 中电科投资 | 禾永投资 | 天风证券 | | | 富瑞金融 | 海通证券 | ...

Summary of Yuxin Technology Conference Call Company Overview - **Company**: Yuxin Technology - **Year Established**: 1999 - **Key Milestone**: 25th anniversary in 2024 Financial Performance - **Total Profit**: 391 million CNY in 2024, up 19.33% YoY [3][35] - **Gross Margin**: 29.02%, an increase of 3.08 percentage points YoY [3][35] - **Operating Cash Flow**: 941 million CNY, the highest in history, up 110% YoY [3][37] - **Net Profit**: Approximately 380 million CNY, up 16.6% YoY [5][37] - **Dividend**: Expected to distribute 178 million CNY to shareholders [3][39] Business Segments - **Bank IT Solutions**: Remains the primary revenue source with a gross margin increase of 4.8% [3][38] - **Non-Bank IT Solutions**: Revenue stable compared to last year, focusing on expanding into non-bank financial institutions [3][38] - **Innovative Business**: Maintains high gross margin characteristics despite some fluctuations [5][38] Client Base - **Major Clients**: Large commercial banks and joint-stock banks contribute 50% of revenue, indicating a focus on large asset clients [6][39] - **Client Satisfaction**: Improved operational efficiency and customer satisfaction reflected in reduced sales expense ratio and stable management expense ratio [7][39] Research and Development - **R&D Investment**: Maintained at approximately 11% of revenue, focusing on AI, data assets, and overseas expansion [9][40] - **AI Development**: Collaborations with major model companies, launching four application-level products and one development platform [10][44] Market Expansion - **Overseas Market**: New orders close to 100 million CNY from multinational banks, with plans to replicate domestic innovations abroad [3][4][36] - **Future Growth**: Expected revenue scale-up in the next 2-3 years through investment and acquisitions [25][60] Challenges and Opportunities - **Banking Sector**: Facing budget cuts and operational pressures, banks are expected to increase IT investments strategically [30][62] - **AI Integration**: Demand for AI capabilities is rising, particularly in business operations, though actual applications are still in the testing phase [50][51] Strategic Outlook - **2025 Focus**: Emphasis on AI technology development, innovative business expansion, and overseas market penetration [36][67] - **Listing Plans**: Preparing for a potential listing in Hong Kong to enhance business development and attract international talent [14][47] Conclusion Yuxin Technology has demonstrated resilience and growth in a challenging market environment, with a strong focus on innovation, client satisfaction, and strategic expansion into overseas markets. The company is well-positioned to leverage AI and technology advancements to drive future growth.

长江商报消息 中国金融科技服务领军企业宇信科技（300674.SZ）将扬帆征战海外。 3月30日晚间，宇信科技发布年报。2024年，公司实现营业收入39.58亿元，同比减少23.94%；归属于上 市公司股东的净利润（净利润，下同）3.8亿元，同比增长16.62%；扣除非经常性损益的净利润（扣非 净利润，下同）3.49亿元，同比增长10.48%。 长江商报记者注意到，尽管营收规模有所下降，但得益于公司主动优化业务结构、积极选择和管理项 目，实现项目、产品精细化管理，其运营效率取得了显著提升。2024年，宇信科技的综合毛利率达 29.02%，同比增加3.08个百分点。 不仅如此，报告期内，宇信科技实现经营活动产生的现金流量净额9.41亿元，较上年增加4.94亿元，同 比增长110.67%，创历史最高水平。 综合毛利率升至29.02% 资料显示，宇信科技主营业务为银行科技解决方案、非银科技解决方案、创新运营服务三大类，产品和 解决方案全面覆盖业务类、渠道类、运营类和管理类等，并始终保持在网络银行、信贷管理、商业智 能、风险管理和监管报送等多个细分解决方案领域的领先地位。 经过二十余年的发展，宇信科技已经为中国人民银 ...

Revenue and Profit - The total operating revenue of Yuxin Technology in 2024 was 3.958 billion yuan, a decrease of 23.94% compared to 5.204 billion yuan in 2023 [2] - Despite the revenue decline, the net profit attributable to shareholders reached 380 million yuan, an increase of 16.62% year-on-year [2] - The fourth quarter showed a total operating revenue of 1.607 billion yuan, down 25.2% year-on-year, while the net profit attributable to shareholders was 118 million yuan, a decrease of 29.2% [2] Profitability - The company's profitability improved, with a gross margin of 29.02%, an increase of 11.88% year-on-year [3] - The net profit margin was 9.71%, reflecting a significant increase of 53.04% year-on-year [3] Cash Flow and Asset Status - The net cash flow from operating activities was 941 million yuan, a year-on-year increase of 110.67%, indicating improved cash flow management [4] - The monetary funds amounted to 2.71 billion yuan, up 32.96% year-on-year, showing sufficient cash reserves [4] - Accounts receivable stood at 786 million yuan, a decrease of 32.67% year-on-year, with a ratio of accounts receivable to profit reaching 206.81%, necessitating close monitoring of collection [4] Costs and Expenses - Total sales, management, and financial expenses amounted to 372 million yuan, accounting for 9.39% of revenue, an increase of 9.85% year-on-year [5] - Sales expenses decreased by 23.21%, and financial expenses decreased by 155.96%, primarily due to reduced business entertainment expenses and increased interest income [5] R&D Investment and Innovation - The company's R&D investment was 434 million yuan, representing 10.95% of operating revenue [6] - Yuxin Technology continued to focus on AI technology development, launching an AI integrated machine and deepening cooperation with partners like Huawei and Tencent Cloud [6] Overseas Market and Innovative Operations - The company won multiple overseas projects, achieving significant progress in the Hong Kong-Macau region and the Indonesian market [7] - In innovative operations, Yuxin Technology made notable advancements in retail credit, platform business, financial ecosystem construction, and individual loan non-performing business [7]

3月30日，宇信科技(SZ300674)公告，为满足公司海外业务发展需要，推进公司海外战略布局，打造国际化资本运作平台，进一步提升品牌形象及知名度， 提高综合竞争力，经过充分研究论证，公司拟发行境外上市外资股（H股）股票并申请在香港联交所主板挂牌上市。 宇信科技表示，公司将充分考虑现有股东的利益和境内外资本市场的情况，在股东大会决议有效期内（即经公司股东大会审议通过之日起18个月或同意延长 的其他期限）选择适当的时机和发行窗口完成本次发行并上市。 同时，宇信科技发布了2024年年度报告，数据显示，宇信科技2024年全年营业收入达39.58亿元，同比减少23.94%；归母净利润3.80亿元，同比增长 16.62%。 拉长时间线来看，2021年至2023年，宇信科技营业收入分别37.26亿元、42.85亿元、52.04亿元；归母净利润3.96亿元、2.53亿元、3.26亿元。 宇信科技主营业务是银行科技解决方案，非银科技解决方案和创新运营服务。公司的主要产品是银行IT解决方案、非银IT解决方案、创新运营业务、其他业 务。 宇信科技实际控制人为洪卫东，持股26.17%。目前，其现任公司董事长、总经理。2024年，洪 ...

业绩简评 2025 年 3 月 30 日公司披露年报，24 年实现营收 39.58 亿元，同 比下降 23.94%；实现归母净利润 3.80 亿元，同比增长 16.62%； 扣非归母净利润 3.49 亿元，同比增长 10.48%；经营活动现金流净 额 9.41 亿元，同比增长 110.67%，达到历史最高水平。 经营分析 分业务来看，公司银行 IT 解决方案营收 34.61 亿元，同比下降 25.8%；非银 IT 解决方案营收 3.71 亿元，同比下降 2.0%。客户结 构进一步向大行及非银机构集中，国有大行、股份制和政策行贡 献营收 52.49%，非银机构、外资行等贡献营收 20.62%，中小银行 和 农 村 信 用 社 贡 献 营 收 26.89% ， 分 别 同 比 变 动 +1.45pct/5.61pct/-7.06pct。公司主动进行项目选择，银行 IT 毛利率达 28.10%，同比增长 4.73pct；综合毛利率 29.02%，同比 增长 3.08pct。 公司积极拓展非银及海外客户，24 年累计中标某国家部委 1.3 亿 元信创项目；25 年将具备证券交易所核心业务系统升级改造能力； 并与厦门资 ...

Investment Rating - The report maintains a "Buy" rating for the company, expecting a price increase of over 15% in the next 6-12 months [5][13]. Core Insights - In 2024, the company achieved revenue of 3.958 billion RMB, a year-on-year decrease of 23.94%, while the net profit attributable to shareholders was 380 million RMB, an increase of 16.62% [2]. - The company is actively expanding its non-bank and overseas client base, securing significant projects and partnerships, including a 130 million RMB project with a national ministry and a joint venture with Xiamen Asset Management [3][4]. - The company has launched multiple AI Agent products, integrating AI technology into financial services, which has improved revenue and service levels for clients [4]. Financial Performance - The company forecasts revenues of 4.477 billion RMB, 4.998 billion RMB, and 5.510 billion RMB for 2025, 2026, and 2027, respectively, with year-on-year growth rates of 13.12%, 11.63%, and 10.23% [5][10]. - The projected net profit for the same years is 454 million RMB, 536 million RMB, and 612 million RMB, with growth rates of 19.54%, 18.00%, and 14.21% [5][10]. - The operating cash flow reached a historical high of 941 million RMB in 2024, reflecting a significant year-on-year increase of 110.67% [2]. Business Segmentation - Revenue from bank IT solutions was 3.461 billion RMB, down 25.8% year-on-year, while non-bank IT solutions generated 371 million RMB, a decrease of 2.0% [3]. - The customer base is increasingly concentrated among large state-owned banks and non-bank institutions, with contributions of 52.49% from major banks and 20.62% from non-bank institutions [3]. Profitability Metrics - The gross margin for bank IT solutions improved to 28.10%, an increase of 4.73 percentage points year-on-year, while the overall gross margin reached 29.02%, up 3.08 percentage points [3]. - The diluted earnings per share are projected to be 0.645 RMB, 0.761 RMB, and 0.869 RMB for 2025, 2026, and 2027, respectively [10]. Market Positioning - The company is enhancing its capabilities in securities exchange core business system upgrades and has made strides in international markets, including securing contracts with multinational banks [3][4]. - The integration of AI technology into various business scenarios is expected to further strengthen the company's market position and operational efficiency [4].

证券代码：300674 证券简称：宇信科技 公告编号：2025-027 北京宇信科技集团股份有限公司 关于召开 2024 年年度股东大会的通知 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有 虚假记载、误导性陈述或者重大遗漏。 北京宇信科技集团股份有限公司（以下简称"公司"）董事会决定于 2025 年 4 月 21 日召开公司 2024 年年度股东大会（以下简称"本次会议"）。现将本 次会议相关事项通知如下： 一、召开会议的基本情况 （2）网络投票时间：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 4 月 21 日交易时间 9:15-9:25，9:30-11:30，13:00-15:00；通过深圳 证券交易所互联网投票系统进行网络投票的具体时间为 2025 年 4 月 21 日 本次股东大会采用现场表决与网络投票相结合的方式召开。 （1）现场投票：股东本人出席现场会议或者通过授权委托书（见附件一） 委托他人出席现场会议； （2）网络投票：公司将通过深圳证券交易所交易系统和互联网投票系统 （http://wltp.cninfo.com.cn）向股东提供网络形式的投票平台。公 ...

北京宇信科技集团股份有限公司 内部控制审计报告 内控审计报告 第 1 页 二、 注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的 有效性发表审计意见，并对注意到的非财务报告内部控制的重大缺陷 进行披露。 三、 内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。 此外，由于情况的变化可能导致内部控制变得不恰当，或对控制政策 和程序遵循的程度降低，根据内部控制审计结果推测未来内部控制的 有效性具有一定风险。 四、 财务报告内部控制审计意见 内部控制审计报告 信会师报字[2025]第 ZB10091 号 北京宇信科技集团股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相 关要求，我们审计了北京宇信科技集团股份有限公司（以下简称宇信 科技）2024 年 12 月 31 日的财务报告内部控制的有效性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企 业内部控制评价指引》的规定，建立健全和有效实施内部控制，并评 价其有效性是宇信科技董事会的责任。 中国注册会计师： 中国•上海 2025 年 3 月 ...

华泰联合证券有限责任公司 关于北京宇信科技集团股份有限公司 使用自有资金支付募投项目部分款项并以募集资金等额置 换的核查意见 经中国证券监督管理委员会《关于同意北京宇信科技集团股份有限公司向特 定对象发行股票注册的批复》（证监许可[2021]2809 号）同意，公司向特定对象 发行人民币普通股（A 股）股票 50,452,488 股，每股面值为人民币 1 元，每股发 行价格为 22.10 元，募集资金总额为人民币 1,114,999,984.80 元，扣除各项发行 费用 18,184,064.35 元后，实际募集资金净额为人民币 1,096,815,920.45 元。该项 募集资金已由华泰联合证券有限责任公司于 2022 年 1 月 14 日汇入公司募集资金 专户，立信会计师事务所（特殊普通合伙）已对上述募集资金到位情况进行了审 验，并于 2022 年 1 月 17 日出具信会师报字[2022]第 ZB10014 号验资报告。 公司已和保荐机构华泰联合证券有限责任公司分别与上海浦东发展银行股 份有限公司广东自贸试验区横琴分行、平安银行股份有限公司北京丰台支行、中 国民生银行股份有限公司北京分行签订了《募集资金 ...