Core Viewpoint - Vcredit's strong performance in the first half of 2025 is highlighted by a 43.8% increase in total revenue to 2.5 billion RMB and a 79.5% rise in net profit to 216 million RMB, alongside a proposed interim dividend of 0.05 HKD per share to reward shareholders [1] Business Strategy and Performance - The company has focused on enhancing its core business quality and risk management, resulting in a systematic upgrade of its risk control framework and a shift towards higher-quality borrowers, achieving a registered user base of 167 million, a year-on-year increase of 11.7% [2] - Vcredit facilitated 38 billion RMB in loans in the first half of 2025, assisting 12.4 million individuals in obtaining credit services, with an outstanding loan balance of 33.55 billion RMB [2] Market Expansion and Technological Investment - The company is expanding into new markets, including Southeast Asia, and is pursuing the acquisition of Banco Português de Gestão in Portugal, while also investing in EXIO Group to bridge traditional finance and Web 3.0 ecosystems [3] - Vcredit's R&D expenses increased by 2.6% to 58.5 million RMB, focusing on AI technology applications across various business scenarios, enhancing risk control and operational efficiency [4] Innovation and Talent Development - The "Future is Here: AI Empowerment" innovation challenge has gathered 57 submissions aimed at optimizing business processes and exploring new applications of AI technology [5] - The "AI·Future Navigator Program" aims to recruit top tech talent globally to accelerate AI integration in financial technology [5] Corporate Social Responsibility and Consumer Protection - Vcredit emphasizes corporate social responsibility, integrating it into its business strategy, and has released its 2024 ESG report, marking its seventh consecutive year of commitment to sustainable development [6] - The company has established a Consumer Rights Protection Committee and is enhancing consumer protection mechanisms through technology, focusing on transparency and customer satisfaction [6] Security and Community Engagement - Vcredit is enhancing its security measures by integrating large models and biometric technology to prevent identity fraud and ensure consumer safety [7] - The company is involved in community initiatives, such as the "100 Reading Corners Project," donating over 20,000 books to rural schools across 23 provinces in China [7] Future Outlook - Looking ahead to the second half of 2025, Vcredit aims to maintain robust risk management and operational excellence while further integrating advanced technologies into its core business to create greater value for stakeholders [7]
2025年维信金科(02003)中期业绩：持续夯实数字金融生态 战略升级驱动高质量发展