Core Viewpoint - The company actively participates in a six-month crackdown on illegal financial activities, establishing a new governance model to combat financial black and gray industries, demonstrating a commitment to consumer rights and market order [1] Group 1: Joint Defense and Control - The company has created a "1+N" linkage system to enhance cross-regional collaboration against financial black and gray activities, forming special consumer protection teams in over 20 regions [2] - A standardized mechanism for evidence collection and case collaboration has been established, significantly improving the efficiency of tackling illegal activities [2] - Successful cases include the arrest of a fraud ring in Shenzhen and the recovery of over 60,000 yuan for a victim, showcasing effective police and corporate cooperation [2] Group 2: Intelligent Risk Warning - The company has integrated artificial intelligence into its risk warning processes, developing an intelligent platform for automatic identification and warning against black and gray activities [4] - The "Smart Core" customer service platform utilizes a dual-engine approach for behavior analysis, improving problem identification efficiency by over 40% [4] - A proactive service platform has been created to identify customer issues early, reducing operational interruptions by 910,000 instances annually [4] Group 3: Public Education and Awareness - The company has launched a "Party Building + Consumer Protection" model to disseminate financial safety knowledge widely, reaching over 3.6 million people through online campaigns [5] - Offline educational activities have been conducted in communities, schools, and businesses, covering over 17.28 million individuals through 588 events [6] - Tailored educational programs for high-risk groups, including interactive performances and legal awareness activities, have been implemented to enhance public understanding of financial risks [6]

Group 1: Financial Performance - In the first half of 2024, Lufax Holdings reported the highest revenue among nine fintech companies at 12.94 billion yuan, but experienced a year-on-year revenue decline of 33.12% and a net profit drop of 189.86% [1] - Qifu Technology achieved a revenue of 8.313 billion yuan, with a year-on-year revenue growth of 10.65% and a net profit increase of 25.41%, making it one of the few fintech companies with double-digit growth [1] - Overall, the nine listed fintech companies showed a trend of increasing revenue but declining net profits in the first half of 2024 [6] Group 2: Asset Quality and Risk Management - Many fintech companies are facing rising overdue rates due to a complex macro environment, with Xiaoying Technology reporting a 90-day overdue rate of 4.38%, an increase of 1.88 percentage points year-on-year [2] - Lufax's overdue rate increased by only 0.1 percentage points compared to the previous year, indicating a relatively stable asset quality [2] - The total outstanding loan balance for Lufax decreased by 44.80% year-on-year to 235.2 billion yuan, while Xiaoying Technology's outstanding loan balance fell by 7.25% [2] Group 3: Support for Small and Micro Enterprises - In Q2 2024, fintech companies continued to support the sustainable development of small and micro enterprises, with Qifu Technology's loan balance reaching 157.778 billion yuan and facilitating loans of 95.425 billion yuan [4] - Lufax's loan balance was 235.2 billion yuan, with new loans of 45.2 billion yuan and a 27.9% year-on-year growth in consumer finance loan balance [4] Group 4: International Expansion and Innovation - Several fintech companies are actively expanding into international markets, with Lexin's overseas business in Mexico showing a 61% quarter-on-quarter growth in loan issuance [8] - Financial One Account's overseas customer revenue contribution increased by 14.8% year-on-year, covering 20 countries and regions [8] Group 5: Diversification and Technological Innovation - Diversification into multiple business lines is emerging as a new growth point for fintech companies, with Lufax's consumer finance new loans accounting for 49% of total new loans [9] - Companies are increasing investments in technology R&D, with significant improvements in operational efficiency reported after implementing AI technologies [9]

业绩表现不一 《金融时报》记者梳理发现，从营收、净利润等数据来看，已披露财报的多数金融科技公司实现盈 利，不过也有个别公司录得亏损，出现业务收缩。 具体来看，2024年三季度，7家金融科技公司中，实现营收最多的是陆金所控股，达到55.43亿元， 不过其营收同比下降31.14%，净利润同比下降超过100%。 作为已披露业绩的金融科技公司中唯一一家净利润为负数的公司，陆金所在财报中披露了原因。财 报显示，2024年三季度公司的销售和营销费用、一般和管理费用、运营和服务费用等都出现了不同程度 的下降。 截至2024年11月末，包括陆金所控股、奇富科技、信也科技、乐信、小赢科技、嘉银科技、宜人智 科在内的7家金融科技公司披露三季度财报。从财报可见，上市金融科技公司经营情况表现不一，但整 体资产质量持续改善。 营收位列第二位的是奇富科技，实现营收43.70亿元。不仅如此，奇富科技2024年三季度实现净利 润最多，达17.99亿元；同时，其营收同比增长2%，净利润同比增长50%左右，是实现同比双增的金融 科技公司之一，另外两家公司分别是小赢科技与信也科技。 资产质量改善 从各家财报数据来看，尽管部分金融科技公司三季度业绩 ...

Core Viewpoint - The company actively participates in a six-month crackdown on illegal financial activities, establishing a new governance model to combat financial black and gray industries, demonstrating a commitment to consumer rights and market order [1] Group 1: Joint Prevention and Control - The company has developed a "1+N" linkage system to enhance cross-regional collaboration against financial black and gray activities, forming special consumer protection teams in over 20 regions [2] - A standardized mechanism for evidence collection and case collaboration has been established, significantly improving the efficiency of tackling illegal activities [2] - Successful cases include the recovery of over 60,000 yuan for a victim in Jiangsu and the dismantling of a fraudulent organization in Shenzhen [2][3] Group 2: Intelligent Risk Warning - The company integrates artificial intelligence into its risk warning processes, creating an automated platform for identifying and intercepting black and gray activities [4] - The "Smart Core" customer service platform utilizes a dual-engine approach for behavior analysis, improving problem identification efficiency by over 40% [4] - The proactive service platform "Accompanying Core" has reduced customer operational interruptions by 910,000 instances annually [4] Group 3: Public Education and Awareness - The company has launched a "Party Building + Consumer Protection" model to disseminate financial safety knowledge widely, reaching over 3.6 million people through online campaigns [5] - Offline educational activities have been conducted in communities, schools, and businesses, covering over 17.28 million individuals through 588 events [6] - Tailored educational programs for high-risk groups, including interactive performances and legal awareness activities, have been implemented to enhance public understanding of financial risks [6]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | 2025年7月31日 | | --- | | 截至月份: 狀態: 新提交 | 致：香港交易及結算所有限公司 公司名稱: 陆金所控股有限公司 呈交日期: 2025年8月6日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06623 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 10,000,000,000 | USD | | 0.00001 | USD | | 100,000 | | 增加 / 減少 (-) | | | | | | | USD | | | | 本月底結存 | | | 10,000,000,000 | USD | | 0.00001 | USD | | 100 ...

Market Capitalization Summary - New Oriental has a market capitalization of 16.359 billion [2] - TAL Education has a market capitalization of 10.938 billion [2] - Vipshop has a market capitalization of 6.578 billion [2] - Miniso has a market capitalization of 5.578 billion [2] - Zai Lab has a market capitalization of 3.982 billion [2] - Huya has a market capitalization of 0.724 billion [3] Stock Performance - New Oriental's stock increased by 0.77 (+3.89%) [2] - TAL Education's stock decreased by 0.04 (-0.82%) [2] - Vipshop's stock decreased by 0.18 (-1.19%) [2] - Miniso's stock decreased by 0.50 (-2.62%) [2] - Zai Lab's stock decreased by 1.95 (-5.16%) [2] - Huya's stock increased by 0.01 (+0.45%) [3] Additional Company Insights - Financial One Account has a market capitalization of 0.287 billion [3] - Xiaomi has a market capitalization of 0.213 billion [3] - Huami has a market capitalization of 0.175 billion [3] - Tuniu has a market capitalization of 0.120 billion [3]

Market Capitalization Overview - New Oriental has a market capitalization of 15.747 billion [2] - TAL Education (好未来) has a market capitalization of 11.040 billion [2] - Vipshop (唯品会) has a market capitalization of 9.610 billion [2] - Miniso (名创优品) has a market capitalization of 5.940 billion [2] - Zai Lab (再鼎医药) has a market capitalization of 4.200 billion [2] - Huya (虎牙) has a market capitalization of 7.500 billion [2] Stock Performance - New Oriental's stock increased by 0.36 (+8.09%) [2] - TAL Education's stock decreased by 0.27 (-0.60%) [2] - Vipshop's stock increased by 0.56 (+2.49%) [2] - Miniso's stock increased by 0.01 (+0.07%) [2] - Zai Lab's stock decreased by 0.81 (-4.06%) [2] - Huya's stock increased by 0.03 (+0.75%) [2] Additional Company Insights - Financial One Account (金融壹账通) has a market capitalization of 2.91 million [3] - Xunlei (迅雷) has a market capitalization of 4.48 million [3] - Huami Technology (华米科技) has a market capitalization of 1.64 million [3] - Tuniu (途牛) has a market capitalization of 1.21 million [3] - Aiqiyi (爱奇艺) has a market capitalization of 24.11 billion [2]

Market Capitalization Summary - New Oriental has a market capitalization of 15.98 billion [2] - MIN (Ming Chao) has a market capitalization of 10.21 billion [2] - TAL has a market capitalization of 9.38 billion [2] - The market capitalization of various companies includes: - 7.77 billion for Grape Fang [2] - 6.21 billion for Yi Pin Hui [2] - 4.28 billion for Zai [2] - 3.83 billion for Huya [2] Stock Performance - New Oriental's stock increased by 0.28 (+1.45%) [2] - MIN's stock decreased by 0.20 (-4.25%) [2] - TAL's stock decreased by 0.15 (-0.69%) [2] - Grape Fang's stock decreased by 2.39 (-5.11%) [2] - Yi Pin Hui's stock increased by 0.38 (+1.94%) [2] - Zai's stock decreased by 0.10 (-0.93%) [2] Additional Company Insights - The market capitalization of various companies shows a diverse range, with some experiencing significant fluctuations in stock prices [2] - Companies like Huami and Cheetah Mobile have market capitalizations of 1.76 billion and 1.73 billion respectively, with varying stock performance [4] - The overall market trends indicate a mix of gains and losses across different sectors, reflecting the volatility in the market [4]

Core Viewpoint - PAObank has announced a capital increase of HKD 200 million from Lufax Holdings (06623) to enhance product development and technology investment, further expanding its personal banking services [1] Group 1: Company Developments - The capital increase reflects shareholders' confidence in the growth prospects of digital banking [1] - PAObank aims to innovate continuously and become a "user-friendly digital bank" by optimizing products and user experience [1] - The bank will continue to invest resources to provide efficient and flexible innovative banking services to customers [1]

Market Capitalization Summary - New Oriental has a market capitalization of 15.883 billion [2] - TAL Education has a market capitalization of 10.825 billion [2] - Vipshop has a market capitalization of 9.570 billion [2] - 63.59 billion market capitalization for another unnamed entity [2] - 80.68 billion market capitalization for another unnamed entity [2] - 77.94 billion market capitalization for another unnamed entity [2] Stock Performance - New Oriental's stock decreased by 0.07 (-0.35%) [2] - TAL Education's stock decreased by 0.05 (-1.04%) [2] - Vipshop's stock decreased by 0.10 (-0.42%) [2] - Another unnamed entity's stock increased by 0.03 (+0.19%) [2] - Another unnamed entity's stock increased by 0.35 (+0.74%) [2] - Another unnamed entity's stock increased by 0.17 (+1.71%) [2] Additional Company Insights - 40.30 billion market capitalization for Lufax [2] - 24.79 billion market capitalization for Weibo [2] - 18.00 billion market capitalization for Lexin [2] - 8.84 billion market capitalization for Youdao [2] - 4.68 billion market capitalization for Sohu [2] Emerging Companies - 3.29 billion market capitalization for Xunlei [3] - 2.08 billion market capitalization for Yunmi [3] - 1.68 billion market capitalization for Baozun [3] - 667.168 million market capitalization for PA DOL [3]