Financial Performance - The company reported a significant increase in revenue, achieving a total of 596.9 million yuan, representing a growth of 30% compared to the previous period[16]. - Operating revenue for the reporting period was ¥2,968,804,171.58, a decrease of 1.37% compared to ¥3,010,172,109.45 in the same period last year[92]. - Net profit attributable to shareholders was ¥511,451,357.92, representing a significant increase of 54.69% from ¥330,621,688.76 year-on-year[92]. - The company's revenue for the first half of 2023 reached 5.11 billion yuan, representing a year-on-year growth of 54.68%, with a net profit of 2.82 billion yuan, up 10% year-on-year[154]. - The company's operating income for the reporting period was ¥2,540,981,690, with a gross profit margin of 27.55%, reflecting a decrease of 0.54% year-on-year[186]. User and Market Growth - User data indicates a rise in active merchants, with the number increasing to 70,000, marking a 15% growth year-over-year[16]. - The number of registered users for the merchant wallet reached 860,000, with over 400,000 monthly active users[102]. - The company achieved a transaction volume exceeding 30 million daily transactions, serving millions of merchants, which enhances its market insight and innovation capabilities[136]. - The number of QR code transactions reached 6 billion, representing a year-on-year increase of 14.66%[130]. - The cross-border payment transaction volume exceeded RMB 20 billion in the first half of 2023, with new settlement channels opened in ASEAN and Africa[132]. Product Development and Innovation - New product developments include the launch of an upgraded payment processing system, expected to improve transaction speeds by 25%[6]. - The company has made significant advancements in product innovation, actively developing digital RMB and cross-border payment sectors[78]. - The company launched a merchant wallet app and a customer display speaker, focusing on enhancing merchants' digital operational capabilities[102]. - The company continues to lead in the digital RMB sector, engaging in research projects related to smart contracts and expanding application scenarios[156]. - The company has integrated advanced technologies such as AI and blockchain into its services, driving digital transformation for small and micro enterprises[148]. Strategic Outlook and Investments - The company has outlined a future outlook focusing on expanding its market presence and enhancing its product offerings, with a projected revenue growth of 20% for the next fiscal year[6]. - The company plans to invest 70 million yuan in technology upgrades to enhance security measures and compliance with regulatory standards[19]. - The company has no plans to distribute cash dividends or issue new shares, focusing instead on reinvestment for growth[6]. - The company is actively pursuing strategic partnerships to enhance its service offerings and expand its customer base[6]. - The company has established a dedicated team for the development and promotion of digital RMB, actively participating in pilot cities for its promotion, leveraging its first-mover advantage[162]. Risk Management and Compliance - Risk management strategies have been implemented, including a robust merchant management system to monitor and mitigate potential compliance risks[25]. - The company has no major non-compliance issues or penalties reported during the period[60]. - The company has established a complete risk control process, including three lines of defense for risk management, ensuring compliance and orderly business operations[199]. - The company's intelligent risk control system achieved a fraud risk monitoring coverage rate of over 95%, with business fraud loss rate maintained at one in a million[176]. Financial Position and Cash Flow - The total assets at the end of the reporting period were ¥11,586,322,173.52, an increase of 10.95% from ¥10,442,960,117.56 at the end of the previous year[92]. - The company's cash and cash equivalents increased to ¥6,243,966,823, accounting for 53.89% of total assets, up from 49.57% the previous year, reflecting a 4.32% increase due to an increase in customer deposits[165]. - The net cash flow from operating activities decreased by 43.39% to ¥320,856,317.19, down from ¥566,824,382.43 in the same period last year[92]. - The company reported a 132.92% increase in net cash flow from investing activities, amounting to ¥197,805,304.71, compared to -¥600,861,520.14 in the previous year[92]. - Investment income amounted to ¥271,078,379.83, accounting for 43.83% of total profit, primarily due to the transfer of partial equity during the period[186].

证券代码：300773 证券简称：拉卡拉 编号：20230530002 特定对象调研□分析师会议 媒体采访 业绩说明会 投资者关系 □新闻发布会路演活动 活动类别 □现场参观 □其他（请问文字说明其他活动内容） 参与单位名 投资者网上提问 称及人员姓 名 时间 2023 年 5 月 25 日 (周四) 下午 15:30~17:30 地点 公司通过全景网"投资者关系互动平台"（https://ir.p5w.net） 采用网络远程的方式召开业绩说明会 董事长 孙陶然 董事、总经理 王国强 上市公司接 独立董事 李焰 待人员姓名 董事会秘书、副总经理 朱国海 财务总监 周钢 (本投资者关系活动记录表中涉及的未来经营计划、预测是公司基 于目前的行业、市场环境制定的公司战略发展规划及判断，并不 构成业绩承诺，敬请投资者保持足够的风险意识，并且应当理解 投资者关系 计划、预测与承诺之间的差异。) 活动主要内 公司就投资者在本次说明会中提出的问题进行了回复（重复 容介绍 问题已进行合并）： 1、数字经济已经写进政府十四五规划，未来前景广阔，请问 拉卡拉属于数字经济企业么？ 拉卡拉支付股份有限公司投资者关系活动记录表 | - ...

证券代码：300773 证券简称：拉卡拉 编号：20230530001 特定对象调研□分析师会议 媒体采访□业绩说明会 投资者关系 □新闻发布会路演活动 活动类别 □现场参观 □其他（请问文字说明其他活动内容） | --- | |----------------------------------------------------------------| | 中信证券、中金公司、中信建投、海通证券、兴业证券、国泰君安、安 | | 信证券、国金证券、国联证券、华安证券、东北证券、花旗银行、东吴 | | 证券、华创证券、交银施罗德、南方基金、民生加银、中欧基金、东证 | | 资管、江信基金、建信养老、万博资管、健顺投资 | 参与单位名 称及人员姓 名 时间 2023 年 5 月 24 日 地点 北京 王国强 董事兼总经理 周钢 财务总监 上市公司接 戴启军 投资总监 待人员姓名 朱国海 副总经理兼董秘 田鹏 证券事务代表 一、公司介绍 （一）"数字未来"战略。 公司 2019 年上市以来正式进入战略 4.0，产生了三个重要的战略里程 碑。第一个就是积极投身国家金融大战略，实现了数币的推广布局。拉卡拉 投资者关 ...

证券代码：300773 证券简称：拉卡拉 公告编号：2023-024 出席本次业绩说明会的人员有：公司董事长孙陶然先生，公司董事、总经理王国强先生， 公司独立董事李焰女士，公司副总经理、董事会秘书朱国海先生，公司财务总监周钢先生（如 有特殊情况，参与人员会有调整）。 为充分尊重投资者、提升交流的针对性，现就公司2022年度业绩说明会提前向投资者公 开征集问题，广泛听取投资者的意见和建议。投资者可于2023年5月22日（星期一）18：00 前访问https://ir.p5w.net/zj/，或扫描下方二维码，进入问题征集专题页面。公司将在2022 年度业绩说明会上，对投资者普遍关注的问题进行回答。 欢迎广大投资者积极参与本次网上说明会。 （问题征集专题页面二维码） 特此公告。 拉卡拉支付股份有限公司 关于举办 2022 年年度网上业绩说明会的公告 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。 拉卡拉支付股份有限公司（以下简称"公司"）《2022年年度报告》已在巨潮资讯网披 露，为了让广大投资者进一步了解公司2022年度经营情况，公司定于2023年5月25日（星 ...

Financial Performance - The company's revenue for Q1 2023 was CNY 1,520,042,066.94, a decrease of 3.69% compared to CNY 1,578,263,497.94 in the same period last year[14] - Net profit attributable to shareholders was CNY 257,946,147.55, reflecting a slight increase of 1.31% from CNY 254,619,337.54 year-on-year[14] - Total operating revenue for Q1 2023 was approximately ¥1.52 billion, a decrease of 4.2% compared to ¥1.59 billion in Q1 2022[26] - Net profit for Q1 2023 was approximately ¥257.54 million, slightly up from ¥254.09 million in Q1 2022, representing a growth of 1.0%[30] - The total comprehensive income for Q1 2023 was approximately ¥257.41 million, compared to ¥254.06 million in Q1 2022, indicating a growth of 1.4%[33] Cash Flow - The net cash flow from operating activities increased by 66.81% to CNY 361,677,578.96, compared to CNY 216,820,376.02 in the previous year[14] - Cash flow from operating activities was approximately ¥1.59 billion in Q1 2023, down from ¥1.66 billion in Q1 2022, a decline of 4.0%[34] - The net cash flow from investment activities was CNY 142,663,766.38, a significant improvement from a negative CNY 377,599,448.92 in the previous period[37] - The cash flow from operating activities showed a positive trend, indicating improved operational efficiency[37] Assets and Liabilities - Total assets at the end of the reporting period reached CNY 11,512,426,196.71, marking a 10.24% increase from CNY 10,442,960,117.56 at the end of the previous year[14] - Total liabilities increased to ¥7,904,650,965.38, up from ¥7,092,596,678.79, representing a growth of approximately 11.4% year-over-year[47] - Current liabilities totaled ¥7,536,053,552.43, compared to ¥6,736,019,936.04, indicating an increase of about 11.9%[47] - Non-current liabilities amounted to ¥368,597,412.95, a slight increase from ¥356,576,742.75, reflecting a growth of approximately 3.4%[47] - The total current assets rose to CNY 7,441,907,025.95 from CNY 6,231,050,948.49[44] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 61,365, with the largest shareholder holding 26.14% of the shares[8] - The company has a share repurchase account holding 20,164,958 shares, accounting for 2.52% of the total shares[18] - The number of common shareholders and the distribution of shares among the top ten shareholders were disclosed, indicating a stable shareholder structure[22] Investment and Income - Investment income rose by 70.64% to CNY 88,568,273.11, compared to CNY 51,904,331.57 in the same period last year, primarily due to increased securities investment returns[8] - The company recorded investment income of approximately ¥88.57 million in Q1 2023, an increase from ¥51.90 million in Q1 2022, representing a growth of 70.7%[30] Expenses - Operating costs decreased to approximately ¥1.30 billion in Q1 2023 from ¥1.34 billion in Q1 2022, a reduction of 3.5%[30] - Research and development expenses for Q1 2023 were approximately ¥53.91 million, slightly down from ¥54.01 million in Q1 2022[30] - The company reported a decrease in cash paid to employees, totaling CNY 179,136,767.82, down from CNY 195,869,980.52[37] Taxation - The company reported a significant increase in taxes payable, which rose by 124.01% to CNY 215,805,278.36, compared to CNY 96,336,278.50 in the previous year[8] - Deferred income tax liabilities decreased to ¥62,807,424.70 from ¥68,771,513.03, reflecting a decline of approximately 8.7%[47]

Market Overview - The third-party cross-border payment market in China reached nearly 1.3 trillion yuan in 2022, growing by 15% year-on-year[1]. - The scale of cross-border RMB settlement exceeded 42 trillion yuan in 2022, a 3.4 times increase compared to 2017[1]. - The domestic third-party payment market experienced a phase decline, with the total amount of card consumption decreasing by 4.28% to 130.15 trillion CNY in 2022[72]. - The company anticipates a return to normal growth in the third-party payment market as economic conditions improve[72]. Digital Payment Developments - The digital RMB pilot expanded to 17 provinces, with cumulative transactions reaching 360 million and a total amount of 100.04 billion yuan by August 31, 2022[14]. - The number of merchants supporting digital RMB exceeded 5.6 million, indicating strong growth in the digital payment market[14]. - The company actively participates in the digital renminbi pilot program, having formed strategic partnerships with the People's Bank of China[81]. - The company aims to enhance its core competitiveness by leveraging its first-mover advantage in the digital renminbi space[81]. Financial Performance - The company’s operating revenue for 2022 was ¥5,365,796,526.95, a decrease of 18.65% compared to ¥6,596,029,958.35 in 2021[50]. - The net profit attributable to shareholders for 2022 was -¥1,437,123,234.69, representing a decline of 232.75% from ¥1,082,584,146.29 in 2021[50]. - The net cash flow from operating activities was -¥356,876,381.66 in 2022, down 122.53% from ¥1,584,020,916.21 in 2021[50]. - The total assets at the end of 2022 amounted to ¥10,442,960,117.56, a decrease of 11.13% from ¥11,750,929,934.90 at the end of 2021[50]. - The net assets attributable to shareholders decreased by 30.07% to ¥3,348,539,216.23 at the end of 2022 from ¥4,788,195,994.37 at the end of 2021[50]. - The basic earnings per share for 2022 was -¥1.84, a decline of 233.33% compared to ¥1.38 in 2021[50]. - The company reported a significant increase in non-operating losses, including a loss from the disposal of non-current assets of -¥9,340,314.72 in 2022[52]. Operational Challenges - The company has indicated ongoing challenges in maintaining operational profitability, with all recent annual net profits being negative after deducting non-recurring gains and losses[50]. - The company experienced a substantial drop in the weighted average return on net assets, which was -35.31% in 2022 compared to 23.12% in 2021[50]. - The company reported a net profit of -1,316,450,848.83 CNY, with a significant decrease in other operating income and expenses amounting to -1,393,713,396.30 CNY[56]. Technological Advancements - The company is leveraging a hybrid cloud architecture and advanced technologies like AI and blockchain to offer digital solutions to small and micro businesses[6]. - The company has developed intelligent risk assessment and customer management products based on big data and AI technology, enhancing operational efficiency[69]. - The company’s digital retail SaaS platform integrates procurement and store management systems, creating a data closed loop from procurement to sales[70]. - The company’s AI-driven fraud risk monitoring system achieves over 95% coverage, maintaining a fraud loss rate of one in a million[77]. - The company completed the development of several key R&D projects, including a distributed database settlement system and a new generation POSP system, enhancing market competitiveness[121]. Revenue Streams - The payment business generated revenue of CNY 4,581,074,612.9, down 21.12% from CNY 5,807,381,012.6 in the previous year[109]. - The technology service business reported revenue of CNY 341,596,985.46, a decrease of 8.41% year-on-year[109]. - The "Payment+" industry digital solution revenue increased by 126% to CNY 70 million, driven by growth in cloud acquisition services and customer acquisition SaaS platform[105]. - The company’s digital marketing revenue from channel partners reached CNY 84 million, a 120% increase year-on-year[101]. Strategic Initiatives - The company has established partnerships with major international card organizations, enhancing its cross-border payment capabilities[77]. - The company launched the "Lakala Merchant Wallet App," which integrates various business management services for merchants, aiming to become a super traffic entry point[104]. - The company has established new subsidiaries, including the acquisition of Lakala Cloud Super Technology Co., Ltd., and the establishment of Hebei Cloud Super Intelligent Technology Co., Ltd.[119]. - The company is focusing on expanding its market presence through new product developments and technological advancements, including a one-stop payment open platform and mobile collection solutions[126]. Governance and Management - The company maintains clear and complete asset ownership, with no reliance on major shareholders or their controlled enterprises[172]. - The company’s board members and senior management are independent, with no overlapping roles or compensation from major shareholders[172]. - The company has a strong focus on internal auditing and governance, with key personnel involved in supervisory roles[188]. - The company has a commitment to gender representation, with female executives in significant roles[188]. - The total pre-tax remuneration for the company's directors, supervisors, and senior management in 2022 amounted to RMB 18.13 million[200].

证券代码：300773 证券简称：拉卡拉 编号：20200228001 拉卡拉支付股份公司投资者关系活动记录表 | --- | --- | --- | --- | |-----------------------|----------------------------------------------|------------------------------------------------------------------------------------------|----------------| | | | | | | 投资者关系 | ☑ | 特定对象调研 □分析师会议 | | | 活动类别 | □ 媒体采访 □业绩说明会 | | | | | □ 新闻发布会 □路演活动 | | | | | □ 现场参观 | | | | | | □其他 （请文字说明其他活动内容） | | | 参与单位名称 | 机构 | 姓名 | 职位 | | | 招商证券 | 刘雨辰 | | | 及人员姓名 | 诺安基金 | 张海涛 | | | | 太平洋资产 | 张怡 | | | | 太平养老保险 | 管静媛 | | ...

证券代码：300773 证券简称：拉卡拉 拉卡拉支付股份公司投资者关系活动记录表 编号：20200220001 | --- | --- | --- | --- | --- | |--------------|-----------------------------------------------|--------|----------------------------------|-------| | | | | | | | 投资者关系 | ☑ | | 特定对象调研 □分析师会议 | | | 活动类别 | □ 媒体采访 □业绩说明会 □ 新闻发布会 □路演活动 | | | | | | □ 现场参观 | | | | | | | | □其他 （请文字说明其他活动内容） | | | 参与单位名称 | 中银基金 刘腾 | | | | | 及人员姓名 | 中银基金 王嘉琦 | | | | | | 广发资管 余婧薇 | | | | | | 广发证券 王奇珏 | | | | | | 汇丰晋信 李凡 | | | | | | 浙江英睿投资管理有限公司 徐春来 | | | | | | 易方达：胡云峰 何一铖 陈皓 于博 ...

证券代码：300773 证券简称：拉卡拉 编号：20200225001 投资者关系 ☑特定对象调研 □分析师会议 活动类别 □媒体采访 □业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他 （请文字说明其他活动内容） 拉卡拉支付股份公司投资者关系活动记录表 | --- | --- | --- | --- | |--------------|--------|----------------------------|----------------------| | 参与单位名称 | 姓名 | 公司 | 职位 | | 及人员姓名 | 徐炜轩 | 博时基金 | 投资经理 | | | 龚咏泉 | 中植资本管理有限公司 | 机构融资部执行总经理 | | | 刘博 | 平安资产管理有限责任公司 | 投资经理 | | | 肖丹晨 | 中信建投证券 | VP | | | 孙洲 | 远策投资 | 投资经理 | | | 何子为 | 建信人寿保险有限公司 | 研究员 | | | 郭东谋 | 南方基金 | 投资经理 | | | 钟思怡 | 国泰基金管理有限公司 | 业务助理 | | | 王天宜 | 汇添富基金管理股份有限公司 ...

Group 1: Company Strategy and Business Development - The company focuses on integrating payment, financial, e-commerce, and information technologies to provide comprehensive services for small and micro merchants [3][4] - New products launched in Q4 include cloud stores, payment codes, cloud collection, and electronic signature POS systems [4] - The company aims to enhance its market presence through self-operated and channel-driven strategies, as well as strengthen external collaborations with financial institutions [4] Group 2: Market Conditions and Challenges - The payment industry is characterized by strict regulations and increasing competition, necessitating innovation in payment products [4][5] - The COVID-19 pandemic has had a limited short-term impact on the company's main business, with a projected slight decline in transaction volume in Q1 2020, but an overall growth trend expected for the year [4][6] - The company anticipates that the demand for online services from merchants will increase due to the pandemic [4] Group 3: Financial Performance and Projections - The company's reserve fund balance is approximately 4.9 billion, reflecting an increase due to changes in clearing rules and increased fund deposits [5] - The company expects continued growth in the industry and its own QR code payment transactions in 2020 [4][6] - The company reported that its points purchase business saw transaction volume more than double last year, indicating strong profit growth [6] Group 4: Partnerships and Collaborations - The company has entered a non-exclusive partnership with Huawei, focusing on member services, marketing, and payment solutions [5] - The collaboration includes joint development of payment solutions and marketing strategies, with plans for market release [5] Group 5: Future Outlook - The company plans to enhance its financial services for small and micro merchants as a key area of development [5] - The future of online and offline payment development is expected to be driven by economic growth, new payment methods, and technological advancements [6]