本报讯 （记者李冰）2025年8月21日，美股港股双重上市金融科技公司壹账通金融科技有限公司（以下简称"金融壹账 通"）公布了截至2025年6月30日的上半年未经审计财务业绩。业绩报告显示，金融壹账通2025年上半年持续经营业务收入为人 民币8.01亿元，持续经营业务毛利率为26.1%。从收入类型看，持续经营业务实施类收入为人民币2.91亿元，基于交易的收入和 支持服务的收入为人民币5.10亿元。其中，得益于保险解决方案的交易量增加，金融壹账通运营支持服务收入同比增加16.6% 至人民币3.09亿元。 据披露，金融壹账通在境外市场深耕战略客户。截至2025年6月30日，金融壹账通已将境外业务扩大到20个国家及地区， 覆盖客户达214家。同时，得益于境外客户对金融壹账通开发后维护服务的需求增加，2025年上半年金融壹账通的开发后维护 服务收入同比增长了32.3%。 报告期内，金融壹账通刊发了《2024年环境、社会及管治报告》，这是金融壹账通连续第三年发布ESG报告，披露其履责 成果。报告聚焦应对气候变化、数字普惠金融、技术创新等核心议题，系统梳理了金融壹账通在环境、社会与公司治理三大领 域的战略部署与年度成果。 ...

数据显示，金融壹账通2025年上半年持续经营业务收入为8.01亿元，同比下降43.4%，主要由于云服务 平台收入减少所致。持续经营业务毛利率为26.1%。从收入类型看，持续经营业务实施类收入为2.91亿 元；基于交易的收入和支持服务的收入超5亿元，其中，得益于保险解决方案的交易量增加，金融壹账 通运营支持服务收入同比增加16.6%至3.1亿元。 展望未来，金融壹账通表示，将专注于金融科技及人工智能行业，聚焦金融机构客户同时扩大生态系统 及国际业务，公司致力于在长远上扩大客户基础并促进第三方收入增长。 中证报中证网讯（记者 黄一灵）8月21日晚，面向金融服务行业的商业科技服务提供商——壹账通金融 科技有限公司（下称"金融壹账通"）发布截至2025年中期业绩公告。公告透露，目前，金融壹账通正在 东南亚、中东及非洲等新兴市场积极扩展技术及生态系统合作网络。截至2025年6月30日，金融壹账通 已将境外业务扩大到20个国家及地区，覆盖客户达214家。 ...

Core Viewpoint - Financial One's significant growth in service revenue is driven by a surge in insurance solution transaction volumes and an aggressive expansion into emerging markets such as Southeast Asia, the Middle East, and Africa [1] Group 1: Financial Performance - As of June 30, 2025, Financial One has expanded its overseas business to 20 countries and regions, serving 214 clients [2] - The revenue from ongoing operations for the first half of 2025 reached RMB 801 million, with a gross margin of 26.1% [2] - Revenue from ongoing operations includes RMB 291 million from implementation services and RMB 510 million from transaction-based and support services [2] - The revenue from operational support services increased by 16.6% year-on-year to RMB 309 million, attributed to the rise in insurance solution transaction volumes [3] Group 2: Market Expansion - Financial One is expanding its technology and ecosystem cooperation network in emerging markets, focusing on six digital solutions including core system modernization and cross-border trade finance [4] - In June, Financial One established a long-term strategic partnership with a well-known automotive service company in Vietnam to create a benchmark digital vehicle ecosystem solution in Southeast Asia [4] - The company has renewed its cooperation with CIMB's Philippine subsidiary for core system services, ensuring continued support in digital financial services over the next four years [4] - A collaboration with a local bank in Hong Kong was signed for eKYC and AIGC Deepfake projects, marking the first implementation of deepfake prevention technology in an overseas bank [4] Group 3: Technological Solutions - Financial One provides integrated technology solutions, including digital banking and insurance solutions, leveraging "AI + data" to enhance digital infrastructure for financial institutions [5] - The digital banking solutions address the needs of banks for digital transformation through retail, credit, and operational solutions, significantly improving efficiency and compliance [5] - AI applications in digital banking have enhanced product intelligence and convenience, increasing productivity for client managers by approximately six times and reducing loan approval times to about one day [5] - The end-to-end digital insurance solution aims to digitize the entire insurance process, helping companies manage marketing and claims while reducing costs and fraud [5] Group 4: AI and Data Integration - The integration of "AI + data" is positioned as a foundational element for digital transformation, enabling financial institutions and overseas regulatory clients to optimize operational efficiency [6] - AI visual technology combines advanced AI with fingerprint recognition, blacklist screening, and geolocation data to enhance fraud detection and risk mitigation capabilities [6]

Group 1 - The core viewpoint emphasizes the increasing recognition of insurance's unique role in asset allocation and wealth transfer amidst a complex economic environment, with Great Eastern Insurance emerging as a reliable choice for many families and entrepreneurs [1][3] - Great Eastern Insurance, headquartered in Singapore, benefits from the country's strict financial regulations and stable economic environment, contributing to the company's solid and robust characteristics [1][3] - The company has a long history of over a century, demonstrating a commitment to long-term strategies rather than short-term gains, which has built customer trust through stable performance during various global crises [3] Group 2 - High-net-worth individuals are attracted to Great Eastern Insurance for its comprehensive solutions aimed at wealth transfer and long-term asset protection, addressing a growing global concern [3] - The company adheres to principles of authenticity and transparency in client communication, avoiding exaggerated marketing tactics and instead sharing real customer stories, which fosters trust [3] - Backed by the strong resources of OCBC Bank, Great Eastern Insurance can offer a more integrated wealth management experience, effective risk management solutions, and personalized wealth planning services [3]

Financial Data and Key Metrics Changes - HCI Group reported a 17% increase in gross earned premiums compared to the same quarter last year [6] - The net combined ratio improved to 56% from 67% in Q1 2024 [6] - Pre-tax net income was just over $100 million, with earnings per share at $5.35, up from $3.81 in the same quarter last year [10][6] - The growth loss ratio was less than 20%, down from 31% in the same quarter last year, reflecting low claim volume [11] Business Line Data and Key Metrics Changes - Hailrow reciprocal exchange commenced operations, assuming approximately 14,000 policies and $35 million of premium [7] - Greenleaf, the real estate division, entered a multi-year lease agreement with GEICO for an office campus of 190,000 square feet, resulting in an off-balance sheet gain of approximately $85 million [8] - Exeo reported $52 million in revenue and $24 million in pre-tax income for Q1, assuming it operated as a standalone entity [20] Market Data and Key Metrics Changes - The homeowners insurance market is valued at over $150 billion, with Exeo currently operating in a small segment of this market [31] - Claim frequency was down more than 40% from the first quarter of last year, driven by legislative changes and favorable weather conditions [11] Company Strategy and Development Direction - HCI Group is focused on the separation of Exeo into a standalone company to eliminate conflicts of interest and pursue growth opportunities [21][67] - The company plans to redeem its 4.75% convertible senior notes, reducing debt by approximately $172 million [7] - The strategy includes leveraging Exeo's technology to expand into new markets and lines of business [29] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's strong financial position and the potential benefits of Exeo's spin-off for shareholders [21] - The company anticipates minor rate adjustments in the insurance market, with no imminent changes expected [58] - Management noted that the loss ratio is expected to normalize to around 24-25% in the absence of significant weather events [32] Other Important Information - Shareholder equity grew by almost $70 million during the quarter, with book value per share increasing by more than $6 [13] - The company expects to complete the conversion of convertible notes by the end of Q2, further strengthening the balance sheet [13] Q&A Session Summary Question: What areas of the homeowners market is Exeo best suited to target? - Management indicated that Exeo's technology has proven effective in Florida and other states, with plans to expand into various lines of business [28] Question: Can you quantify the impact of favorable weather on the gross loss ratio? - The loss ratio was under 20%, with expectations that a more normalized ratio would be around 24-25% [32] Question: What are the expectations for June 1 renewals? - Management noted that there is plenty of capacity in the market, indicating a stable reinsurance negotiation process [35] Question: What other options were considered for Exeo's separation? - Management discussed the spin-off as the best option to maximize shareholder value without needing additional capital [38] Question: How do Exeo's advantages differ for admitted versus non-admitted partners? - Management stated that the technology benefits both types of partners equally, optimizing profit margins and distribution [39] Question: What is the competitive landscape for the condo business? - Management acknowledged increased competition in the condo business but emphasized maintaining pricing discipline [43]