Core Viewpoint - Vcredit Holdings (维信金科) reported strong financial performance for the first half of 2025, with total revenue of 2.5 billion RMB, a year-on-year increase of 43.8%, and a net profit of 216 million RMB, up 79.5% from the previous year, while also proposing a mid-term dividend of 0.05 HKD per share to reward shareholders [1] Group 1: Financial Performance - Total revenue for the first half of 2025 reached 2.5 billion RMB, reflecting a 43.8% year-on-year growth [1] - Net profit for the same period was 216 million RMB, representing a 79.5% increase compared to the previous year [1] - The company proposed a mid-term dividend of 0.05 HKD per share to shareholders [1] Group 2: Business Strategy and Operations - The company focused on enhancing risk control and operational efficiency, adjusting its business strategy to strengthen resilience and consolidate its business structure [2] - As of June 30, 2025, the cumulative number of registered users in mainland China reached 167 million, a year-on-year increase of 11.7% [2] - The company established stable partnerships with 112 external institutions, including national joint-stock banks and consumer finance companies [2] Group 3: Technological Innovation - Research and development expenses increased by 2.6% to 58.5 million RMB in the first half of 2025, with a focus on applying artificial intelligence across various business scenarios [4] - The "Hummingbird" 2.0 platform upgrade significantly improved risk identification accuracy and response efficiency [4] - AI-generated code accounted for 25% of the total code produced, enhancing the efficiency and quality of system development and data analysis [4] Group 4: Social Responsibility and ESG - The company released its 2024 Environmental, Social, and Governance (ESG) report, marking the seventh consecutive year of commitment to sustainable development [6] - A consumer rights protection committee was established to enhance customer experience and ensure transparency in product offerings [6] - The company actively participated in social welfare projects, donating over 20,000 books to rural schools across 23 provinces in China [7]
2025年维信金科中期业绩：持续夯实数字金融生态 战略升级驱动高质量发展