北京宇信科技集团股份有限公司（以下简称"公司"）第四届监事会第五次 会议于 2025 年 4 月 27 日在公司会议室召开，审议通过了《关于 2023 年限制性 股票激励计划第二个归属期归属条件成就的议案》。公司监事会根据《中华人民 共和国公司法》（以下简称"《公司法》"）、《中华人民共和国证券法》（以 下简称"《证券法》"）、《上市公司股权激励管理办法》（以下简称"《管理 办法》"）、《深圳证券交易所创业板股票上市规则》（以下简称"《上市规则》"）、 《深圳证券交易所创业板上市公司自律监管指南第 1 号——业务办理》等有关法 律法规和规范性文件以及《北京宇信科技集团股份有限公司 2023 年限制性股票 激励计划（草案）》（以下简称"《激励计划》"）、《北京宇信科技集团股份 有限公司章程》（以下简称"《公司章程》"）的规定，对 2023 年限制性股票 激励计划第二个归属期归属名单进行审核，发表核查意见如下： 本次可归属限制性股票的激励对象符合《公司法》《证券法》等法律法规和 规范性文件以及《公司章程》规定的任职资格，符合《管理办法》《上市规则》 等法律法规和规范性文件规定的激励对象条件，符合《激励计划》规定的 ...

宇信科技 2025 年第一季度报告 证券代码：300674 证券简称：宇信科技 公告编号：2025-031 北京宇信科技集团股份有限公司 2025 年第一季度报告 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 重大遗漏。 重要内容提示： 1.董事会、监事会及董事、监事、高级管理人员保证季度报告的真实、准确、完整，不存在虚假记载、 误导性陈述或重大遗漏，并承担个别和连带的法律责任。 2.公司负责人、主管会计工作负责人及会计机构负责人(会计主管人员)声明：保证季度报告中财务信息 的真实、准确、完整。 3.第一季度报告是否经过审计 □是 否 一、主要财务数据 （一） 主要会计数据和财务指标 公司是否需追溯调整或重述以前年度会计数据 □是 否 | | 本报告期 | 本报告期比上年同期增 上年同期 | | | --- | --- | --- | --- | | | | 减（%） | | | 营业收入（元） | 525,131,893.70 | 600,631,525.41 | -12.57% | | 归属于上市公司股东的 净利润（元） | 58,154,316.48 | 32,1 ...

证券代码：300674 证券简称：宇信科技 公告编号：2025-030 北京宇信科技集团股份有限公司 2024年年度股东大会决议公告 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： 1、本次股东大会未涉及变更以往股东大会已通过的决议。 2、本次股东大会未出现否决提案的情况。 一、会议召开情况 1、召开时间： （1）现场会议召开时间：2025 年 4 月 21 日（星期一）14:00。 （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 9:15—9:25，9:30—11:30 和 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 9:15— 15:00 期间的任意时间。 2、现场会议地点：北京市朝阳区建国门外大街 1 号国贸大厦 A 座 2601 室 VIP 会议室。 3、会议召集人：公司董事会。 4、会议召开方式：本次股东大会采用现场表决与网络投票相结合的方式。 5、会议主持人：公司董事长洪卫东先生。 6、本次股东大会的召集、 ...

北京市朝阳区建国路 77 号华贸中心 3 号写字楼 34 层 邮政编码 100025 电话：(86-10) 5809-1000 传真：(86-10) 5809-1100 关于北京宇信科技集团股份有限公司 2024 年年度股东大会的法律意见书 致：北京宇信科技集团股份有限公司 根据《中华人民共和国公司法》（以下简称"《公司法》"）、《中华人民 共和国证券法》以及中国证券监督管理委员会颁布的《上市公司股东会规则（2025 年修订）》（以下简称"《股东会规则》"）等相关规定，北京市竞天公诚律师 事务所（以下简称"本所"）指派律师出席了北京宇信科技集团股份有限公司（以 下简称"公司"）2024年年度股东大会（以下简称"本次股东大会"）。本所就 本次股东大会的有关事宜出具本法律意见书。 在本法律意见书中，本所仅根据本法律意见书出具日以前已经发生或存在的 事实和中国现行有效的法律、法规和规范性文件，以及《北京宇信科技集团股份 有限公司章程》（以下简称"《公司章程》"），就本次股东大会的有关事项发 表法律意见。 本所在此同意，公司可以将本法律意见书作为本次股东大会公告的法定文件， 随其他公告文件一并提交深圳证券交易所予以审 ...

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 2024 年度跟踪报告 | 保荐人名称：华泰联合证券有限责任公司 | 被保荐公司简称：宇信科技 | | --- | --- | | 保荐代表人姓名：李凯 | 联系电话：010-56839571 | | 保荐代表人姓名：蔡敏 | 联系电话：010-56839571 | 一、保荐工作概述 | 项目 | 工作内容 | | --- | --- | | 1.公司信息披露审阅情况 | | | （1）是否及时审阅公司信息披露文件 | 是 | | （2）未及时审阅公司信息披露文件的次数 | 不适用 | | 2．督导公司建立健全并有效执行规章制度的情况 | | | （1）是否督导公司建立健全规章制度（包括 但不限于防止关联方占用公司资源的制度、 | 是 | | 募集资金管理制度、内控制度、内部审计制 | | | 度、关联交易制度） | | | （2）公司是否有效执行相关规章制度 | 是 | | 3.募集资金监督情况 | | | （1）查询公司募集资金专户次数 | 每月一次 | | （2）公司募集资金项目进展是否与信息披露 | 是（请见 8.关注职责的履行情况） | | ...

关于北京宇信科技集团股份有限公司 向特定对象发行股票并在创业板上市 之保荐总结报告书 | 保荐机构名称 | 华泰联合证券有限责任公司 | | --- | --- | | 保荐机构编号 | Z26774000 | 一、保荐机构及保荐代表人承诺 1、保荐总结报告书和证明文件及其相关资料的内容不存在虚假记载、误导 性陈述或重大遗漏，保荐机构及保荐代表人对其真实性、准确性、完整性承担法 律责任。 保荐总结报告书 华泰联合证券有限责任公司 四、保荐工作概述 | 项目 | 工作内容 | | --- | --- | | 1、尽职推荐工作 | 按照相关法律法规要求，对发行人情况进行尽职调查，组织 | | | 编制申请文件并出具推荐文件；提交推荐文件后，主动配合深圳 | | | 证券交易所审核、中国证监会注册相关工作，组织发行人及其它 | | | 中介机构对深圳证券交易所、中国证监会的意见进行答复，按照 | | | 深圳证券交易所、中国证监会的要求对涉及本次证券发行上市的 | | | 特定事项进行尽职调查或核查，并与深圳证券交易所、中国证监 | | | 会进行专业沟通，按照证券交易所上市规则的要求向证券交易所 | | | 提交 ...

Core Insights - The rapid development of financial technology, particularly AI large models, is profoundly reshaping the banking industry's operational models [2] - DeepSeek, as a representative of large language models, is being applied in three main areas within banking: credit assessment, data extraction, and marketing [3] Group 1: AI Applications in Banking - In credit business, AI is transforming the process from manual review to intelligent review, enhancing efficiency in information processing [3][4] - AI technology allows for batch uploading and automatic recognition of various customer documents, significantly improving the efficiency of handling dynamic data [3] - The generation of reports in credit processes has become automated, ensuring standardization and traceability while providing valuable insights for decision-making [4] Group 2: Data Utilization and Efficiency - Many banks face efficiency bottlenecks in data analysis, as business personnel often lack familiarity with underlying database structures [5] - AI applications can streamline data extraction processes, reducing response times and human resource expenditure [5] - The introduction of the Star-Digital Management Platform by Yuxin Technology aims to enhance data interaction and analysis efficiency for banks [5] Group 3: Marketing Innovations - AI plays a crucial role in transforming marketing strategies from a one-size-fits-all approach to personalized marketing [6] - The use of AI in generating marketing materials has increased production efficiency and reduced costs associated with A/B testing [6] - AI can provide tailored responses based on customer inquiries, enhancing the customer experience [6] Group 4: Competitive Landscape - The emergence of DeepSeek is reshaping the competitive landscape, potentially allowing smaller banks to bridge the gap with larger banks [7] - While smaller banks can leverage DeepSeek to enhance their capabilities, they still face challenges related to professional talent and data resources [8] - The core difference between banks lies in their data assets, which is becoming a key determinant of their AI application levels [9]

Group 1 - The company, Yuxin Technology, provides software products and solutions to banking and non-banking financial clients, emphasizing the importance of security, stability, efficiency, and autonomy in the financial industry [2] - The company's overseas business focuses on Southeast Asia, expanding around the "Belt and Road" initiative to offer software solutions to international financial clients [2] - Yuxin Technology has established deep cooperation with several major banks in digital currency system construction, covering front, middle, and back office operations [2][3] Group 2 - The company collaborates with major banks in promoting the use of digital currency through its marketing and operational capabilities [3] - Yuxin Technology participates in various financial clearing and payment system projects, accumulating best practices in financial infrastructure construction [3] - The company has developed a unified payment platform for interbank transfer services, leveraging its long-standing expertise in financial infrastructure and banking payment solutions to respond to market changes [3]

Group 1: Business Impact and Strategy - The company's business is not affected by U.S. tariffs as it provides software products and solutions to banks and non-bank financial clients, which are not subject to such tariffs [2] - The company is expanding its overseas business primarily in Southeast Asia, leveraging the "Belt and Road" initiative to offer software products and solutions to international financial clients [2] Group 2: Digital Currency and Cross-Border Payment Progress - The company has established deep cooperation with several major banks in digital currency, focusing on comprehensive collaboration across front, middle, and back office systems [4] - The company is actively involved in multiple financial clearing and payment system construction projects, enhancing its capabilities in cross-border payment systems [4] Group 3: Future Development and Risk Awareness - The investor relations activity covered the company's future development plans and performance expectations, emphasizing that these do not constitute substantial commitments [4] - Investors and related parties are advised to maintain a full awareness of associated risks [4]

Investment Rating - The report maintains an "Outperform" rating and raises the target price to RMB 28.19 per share, reflecting a 92% upside potential from the current price [4][7]. Core Insights - The company has significantly improved its profitability quality due to strategic adjustments, with a projected increase in EPS for 2025 and 2026 to RMB 0.63 and RMB 0.74 respectively, and a new forecast for 2027 at RMB 0.89 [4][7]. - In 2024, the company achieved a revenue of RMB 3.96 billion, down 23.94% year-on-year, while net profit attributable to shareholders increased by 16.62% to RMB 380 million [4][7]. - The overall gross profit margin (GPM) improved by 3.08 percentage points to 29.02% due to business optimization [4][7]. Financial Data and Forecasts - Revenue and net profit forecasts for the upcoming years are as follows: - 2023A: Revenue RMB 5,204 million, Net Profit RMB 326 million - 2024A: Revenue RMB 3,958 million, Net Profit RMB 380 million - 2025E: Revenue RMB 4,348 million, Net Profit RMB 441 million - 2026E: Revenue RMB 4,879 million, Net Profit RMB 524 million - 2027E: Revenue RMB 5,429 million, Net Profit RMB 629 million [3][6]. - The company’s net asset return rate is projected to increase from 7.9% in 2023 to 12.3% in 2027 [3][6]. Sector Performance - The banking IT sector generated revenue of RMB 3.46 billion in 2024, down 25.78% year-on-year, but with a GPM increase of 4.73 percentage points [4][7]. - The non-banking IT sector reported revenue of RMB 371 million, down 1.98% year-on-year [4][7]. Strategic Initiatives - The company is capitalizing on AI transformation opportunities in banking by launching an AI appliance tailored for banking scenarios, which has already been implemented in a large state-owned bank [4][7]. - The company has expanded its product line for overseas markets, securing nearly RMB 100 million in new overseas orders, including a significant core banking system project for a multinational bank [4][7].