Fair Isaac Corporation (FICO) Q2 2025 Earnings Call April 29, 2025 05:00 PM ET Company Participants Dave Singleton - Vice President - IRWilliam Lansing - CEOSteve Weber - Executive VP & CFOSimon Clinch - PartnerFaiza Alwy - Managing Director, US Company ResearchJoshua Dennerlein - Head of Business & Information Services equity researchScott Wurtzel - SVP - Equity ResearchKevin McVeigh - Managing DirectorMatthew O'Neill - Managing Director Conference Call Participants Manav Patnaik - Managing Director, Equit ...

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：000676 证券简称：智度股份 智度科技股份有限公司2024年年度报告摘要 一、重要提示 本年度报告摘要来自年度报告全文，为全面了解本公司的经营成果、财务状况及未来发展规划，投资者 应当到证监会指定媒体仔细阅读年度报告全文。 所有董事均已出席了审议本报告的董事会会议。 非标准审计意见提示 □适用 √不适用 董事会审议的报告期利润分配预案或公积金转增股本预案 □适用 √不适用 公司计划不派发现金红利，不送红股，不以公积金转增股本。 董事会决议通过的本报告期优先股利润分配预案 □适用 □不适用 全球广告市场取得强劲增长。2024年，全球经济在多重挑战下持续缓慢复苏，总体趋于稳定，广告市场 在创新推动下加速增长。根据We Are Social和Meltwater联合发布的《DIGITAL 2025 GLOBAL OVERVIEW REPORT》，2024年全球广告支出增长7.3%，达到1.09万亿美元。其中，2024年全球数字 广告支出增长10.3%，达到7,903亿美元，在全球广告总支出中占比高达72.7%。根据Statista数据，全球 移动端广告支 ...

Core Viewpoint - Velos Markets is emerging as a focal point for professional investors, novice users, and economic analysts due to its unique strategic positioning and technological innovations in the trading platform space [1]. Market Analysis - Velos Markets offers a diverse trading ecosystem, covering five core areas: forex, contracts for difference (CFD), cryptocurrencies, stock indices, and commodities, with over 200 trading instruments available [3]. - The platform provides trading opportunities in emerging market currencies, particularly in Southeast Asia and Latin America, differentiating itself from mainstream platforms [3]. Investment Tools - The platform features advanced chart analysis software that supports candlestick pattern recognition, multi-timeframe overlays, and customizable technical indicators, enhancing users' ability to capture market signals [4]. - Velos Markets boasts an order execution speed of less than 50 milliseconds for high liquidity pairs like EUR/USD, significantly benefiting short-term traders [4]. User Experience Design - The platform simplifies complex financial processes through a user-friendly interface, allowing first-time users to complete their first trade within three minutes [6]. - It offers seamless integration across multiple devices, enabling users to switch between in-depth analysis on desktop and real-time alerts on mobile [6]. - The system provides automated hedging suggestions when account volatility exceeds preset thresholds, enhancing risk management [6]. Industry Trends - The financial technology landscape is witnessing two major trends: the mainstreaming of cryptocurrencies and the institutionalization of retail investors [7]. - Velos Markets has implemented a "volatility protection" mechanism, which helped reduce client losses during the 2024 LUNA crash by 37% compared to industry averages [7]. - The platform's online financial courses are empowering ordinary investors to adopt institutional-level analytical frameworks, fostering a cycle of "retail thinking becoming institutionalized" [7]. Performance Insights - In a volatile market environment, professional investors are increasingly relying on Velos Markets' tools, such as cross-market arbitrage, which has yielded a 12% return in three weeks through strategic trades [8]. - The platform's research report library is regarded as a "predictive crystal ball," providing critical insights for asset rebalancing [8]. Conclusion - Velos Markets is redefining the concept of a trading platform by integrating data insights, educational empowerment, and strategic evolution, positioning itself as an essential tool for both long-term investors and day traders [9].

Core Viewpoint - Ningbo Bank demonstrated strong resilience in the first quarter of 2025, achieving steady growth in profits and assets despite a challenging external economic environment and intense industry competition [1][4]. Financial Performance - In Q1 2025, the net profit attributable to shareholders reached 7.417 billion yuan, a year-on-year increase of 5.76% [4]. - The operating revenue for the same period was 18.495 billion yuan, reflecting a year-on-year growth of 5.63% [4]. - The annualized weighted average return on equity was 14.18%, while the total asset return rate stood at 0.91% [4]. Asset Growth - As of March 31, 2025, the total assets amounted to 3396.035 billion yuan, representing an 8.67% increase from the beginning of the year [4]. - Loans and advances reached 1640.169 billion yuan, marking an 11.12% growth since the start of the year [4]. - Customer deposits totaled 2182.604 billion yuan, which is an 18.86% increase year-to-date [4]. Risk Management - The bank maintained a non-performing loan ratio of 0.76%, unchanged from the beginning of the year, and a provision coverage ratio of 370.54%, indicating strong risk mitigation capabilities [8]. - The bank's risk management system is comprehensive, covering all processes, chains, cycles, and dimensions, ensuring stable asset quality [8]. Strategic Focus - Ningbo Bank is committed to a strategy of "doing what big banks cannot do," focusing on differentiated development paths and leveraging financial technology to meet diverse customer needs [1][8]. - The bank aims to balance risk and return while adapting to changes in the operating environment, with a focus on sustainable and high-quality growth [8].

Group 1: Business Strategy - In 2025, Ningbo Bank will focus on steady progress, adapting to changes in the operating environment, and enhancing support for the real economy, particularly in innovative sectors [2] - The bank aims to strengthen its "professional + technology" approach, enhancing digital solutions to empower clients and improve efficiency [2] - Risk prevention will be prioritized through comprehensive systems and processes to ensure stable development in a volatile market [2] Group 2: Financial Performance and Measures - The bank's capital adequacy ratio was 15.32% at the end of 2024, maintaining a strong position in the industry [3] - To address narrowing interest margins, the bank will optimize both asset and liability sides, focusing on supporting real economy credit needs and enhancing investment strategies [3] - The bank plans to issue up to 45 billion yuan in capital bonds to strengthen its capital base [3] Group 3: Shareholder Engagement - The bank maintains close communication with major shareholders, who express confidence in the bank's long-term development and strategic initiatives [3] - Any potential shareholding increase by shareholders will be disclosed in accordance with legal and regulatory requirements [3] Group 4: Regulatory Compliance - The bank has established a dedicated office to implement advanced capital measurement methods in response to new regulatory guidelines [3] - The bank emphasizes compliance with disclosure regulations, ensuring no significant undisclosed information was leaked during investor interactions [3]

Policy Dynamics - Domestic policies focus on the synergy between capital markets and the real economy, with a significant emphasis on stabilizing the stock market, as evidenced by a 60.6% year-on-year increase in securities transaction stamp duty in Q1 2025 [2] - The central government is promoting high-quality development in technology finance, with over 230 billion yuan in long-term special treasury bonds driving approximately 2.1 trillion yuan in social capital investment [2] - International policy divergence is increasing market volatility, with the Federal Reserve and the Bank of Japan's contrasting policies affecting global capital flows [2] Trade Tensions - The escalation of US-China trade tensions has led to a 34% tariff imposed by China on the US, causing significant market disruptions, including a drop of over 1500 points in US stock index futures and an 8% decline in international oil prices [3] - The demand for gold as a safe haven surged, pushing spot gold prices to a historic high of over 3440 USD per ounce [3] Technological Innovation - Financial technology is reshaping industry boundaries, with AI and big data driving product innovation, achieving over 60% penetration in risk control and customer profiling [5] - The market for carbon financial derivatives and ESG investment products is expanding rapidly, with a 30% year-on-year growth in data market trading volume expected to exceed 160 billion yuan in 2024 [5] - The digital currency and cross-border payment systems are evolving, with the digital yuan app enhancing user experience and expanding cross-border settlement trials [5][6] Globalization and Risk Mitigation - Financial cooperation under initiatives like the Belt and Road and RCEP is enhancing cross-border payment networks, potentially reducing cross-border financing costs by over 30% [7] - Companies are diversifying supply chains and reducing reliance on US oil imports by 90%, shifting to alternative sources to mitigate geopolitical risks [7][8] - Businesses are adopting foreign exchange derivatives and supply chain diversification strategies to hedge against currency risks and regulatory compliance challenges [8] Structural Opportunities - Short-term risks include geopolitical uncertainties and trade tensions, with investors advised to focus on safe-haven assets like gold and agricultural sectors while avoiding export-dependent industries [10] - Long-term opportunities lie in policy incentives and technological advancements, particularly in sectors like food and beverage, pharmaceuticals, and green finance, with significant growth in green credit and inclusive small loans [12] - The financial sector is expected to increasingly direct resources towards technology innovation and green transformation, which are seen as core drivers of high-quality economic development [13]

公告显示，本次收购旨在把握中国与香港金融市场的结构性机遇，深化科技与财富管理融合发展。耀才证券表示，引入战略投资者后将加速数字化转型进 程，合作方在智能投顾、AI技术应用等领域的资源有望为其注入新动能。 值得关注的是，蚂蚁财富是蚂蚁集团旗下互联网理财服务平台，与全国金融机构合作服务用户。目前，超150家资管机构在蚂蚁财富上为数亿用户提供余额 宝（货币基金）、债券基金、权益基金等产品。而母公司蚂蚁集团近年持续强化全球化投资版图，2022年4月18日，蚂蚁集团宣布和全球支付平台2C2P达 成战略合作伙伴关系。2024年11月20日，蓝鲸新闻报道大模型赛道初创公司边塞科技确认被蚂蚁集团收购，公司会独立运营，但投资人已经退出。此次跨 境证券业布局或标志着其财富管理生态向香港市场的战略延伸。 市场分析人士指出，在互联互通机制深化背景下，此举不仅有利于提升港股市场流动性，更为香港打造数字化财富管理枢纽提供实践样本。收购完成后， 双方在跨境金融产品创新、智能投研等领域的协同效应值得期待。 支付观察 香港联交所上市公司耀才证券金融集团（01428.HK）4月25日发布公告显示，上海云进通过旗下子公司，以每股3.28港元的价格 ...

Core Viewpoint - Suzhou Bank demonstrates robust growth and strong financial performance, with key operational indicators maintaining regional leadership and a focus on serving the real economy [1][2][3][6]. Financial Performance - As of the end of 2024, Suzhou Bank's total assets reached 6937.14 billion, an increase of 918.73 billion, representing a growth rate of 15.27% [2]. - The bank's total deposits amounted to 4169.65 billion, up by 531.44 billion, with a growth rate of 14.61% [2]. - Total loans reached 3333.59 billion, increasing by 399.58 billion, reflecting a growth rate of 13.62% [2]. - For Q1 2025, total assets surpassed 7000 billion, reaching 7271.54 billion, with a quarterly increase of 334.40 billion, or 4.82% [3]. - The bank achieved a net profit of 16.10 billion in Q1 2025, marking a year-on-year increase of 6.95% [3]. Asset Quality - Suzhou Bank's non-performing loan (NPL) ratio fell to 0.83% by the end of 2024, the lowest since its listing, achieving six consecutive years of decline [5]. - The bank's provision coverage ratio stood at 483.50%, indicating strong risk mitigation capabilities [5]. - As of Q1 2025, the NPL ratio remained stable at 0.83%, with a provision coverage ratio of 447.20% [5]. Service to the Real Economy - The bank has significantly increased its support for the real economy, with corporate loans reaching 2414.83 billion by the end of 2024, up by 454.82 billion, a growth of 23.21% [6]. - Suzhou Bank has issued over 1200 billion in credit to more than 12000 technology enterprises [7]. - In cross-border finance, the bank's international settlement volume reached 168 billion, doubling year-on-year [7]. Technological Innovation - Suzhou Bank is leveraging digital transformation to enhance financial services, including the implementation of a new comprehensive credit system and the development of a knowledge graph platform [8][9]. - The bank has promoted online trade financing services, significantly improving operational efficiency [8]. - The "Su Xin Ke Chuang Li" evaluation model has been developed to better assess the value and risks of technology enterprises, showcasing the integration of technology and finance [9].

每经记者 陈植 每经编辑 张益铭 随着金融机构积极做好普惠金融大文章，金融科技平台如何做好"催化剂"，同样备受金融市场关注。 4月25日，中国人民大学普惠金融研究院在"2025年广州市人工智能与现代金融产融对接活动"上发布 《金融科技平台对传统金融行业的影响研究》（下称《报告》），基于信贷视角梳理金融科技平台对传 统金融行业的影响。 《报告》显示，金融科技平台对传统金融行业的助推作用主要体现在五大方面：一是降低信息不对称， 扩宽普惠金融服务边界；二是变革金融服务方式，提升行业效率；三是创新服务模式，提升服务体验； 四是扩宽信贷供给，完善多层次生态；五是服务普惠群体，实现社会经济发展目标。 中国人民大学普惠金融研究院首席经济学家莫秀根在活动上做主题演讲时表示，随着技术迭代，当前 AI大模型正成为金融业转型升级的关键驱动力，金融科技平台在AI前沿领域的探索，正给上述影响的 深化提供核心动能。 记者注意到，目前金融科技平台对中小银行进一步扩大消费信贷等普惠金融业务规模，起到重要的推动 作用。 数据显示，在中小银行的助贷类消费信贷里，由金融科技平台提供的线上助贷占到一半，线上助贷令中 小银行的消费贷款放贷效率提升了7 ...

阿里、腾讯2大互联网巨头即将在香港证券领域展开PK。 阿里系公司拟收购香港本土上市券商 耀才证券。一旦收购完成，腾讯控股的 富途控股将面临正面竞争。 业内认为， 阿里系、腾讯系 公司 正面交锋，有望 加速香港证券业的发展， 将为本地乃至全球投资者创造更多价值，更多国际资本有望流入香港市场。 // 耀才证券大涨 81%， 富途控股跌超 6% // 4 月 28 日，港股耀才证券金融（简称 " 耀才证券 " ）一度涨超 96% ，收盘涨超 81% 。 （图片来自W ind金融终端APP ） 同一天，腾讯控股旗下富途控股下跌 6.43% ，报收 87.85 美元。 | 富途控股 < W | | | | --- | --- | --- | | FUTU.O | | | | 87 850 量 503.6万 股本 11.13亿 市盈 17.4 万得 | | | | 盘口 -6.040 -6.43% 换 5.32% 市值1 122亿 市净 3.39 | | | | 盘前 84.830 -3.020 -3.44% 美东 08:30 √ | | | | 电影 盘中▼ 五目 日K 周K | | | | 营加 均价:85.246 ...