Group 1 - The company reported a strong performance in Q2, with a revenue of 3.58 billion yuan and a net profit of 750 million yuan, reflecting a year-on-year growth in transaction volume of 10.9% to 54 billion yuan and an 18.1% increase in loan balance to 77.5 billion yuan [4] - Domestic transaction volume reached 50.8 billion yuan in Q2, with a year-on-year growth of 9.5%, while the loan balance was 75.4 billion yuan, up 17.4% [1][4] - The company has repurchased shares worth 63.8 million dollars in the first half of the year, supporting its strategic initiatives [1] Group 2 - The company invested nearly 130 million yuan in R&D in Q2, marking an 8.2% increase year-on-year, focusing on enhancing its fraud detection systems [2] - The upgraded defense system against complex AI fraud achieved a detection accuracy of 98.8%, while the self-developed visual AI can identify forged images with a recognition rate of 95% [2] - The company has implemented multiple verification methods, including dynamic facial recognition and real-time video authentication, to enhance security measures [2] Group 3 - The international business transaction volume exceeded 3.2 billion yuan in Q2, showing a year-on-year growth of 39%, with revenue nearing 800 million yuan, up 41.5% [1] - As of the end of Q2, the company has served a total of 8.7 million overseas users, indicating a diversified business expansion [1]

管理层表示，国内业务风险指标和资金成本都处于历史有利水平。 一季度 ， 信也科技国际业务交易额首次突破 30 亿大关，同比增长 36% ； 独立 借款人数量达到 170 万人的历史新高，同比增长 106% 。国际业务营收 7.1 亿元，同比增长 19.5% ，占集团当 季营收的 20.4% 。 其中， 印尼和菲律宾实现了适度利润，符合预期 ， 公司预计两地在 2025 年 将产生至少 1000 万美元净利润。 公司 维持全年收入 10% 到 15% 的业绩增长指引 ， 预计国际市场的贡献 占比 将增加到 25% 。 今年 4 月， 国家金融监督管理总局发布 了助贷新规（《关于加强商业银行互联网助贷业务管理提 升金融服务质效的通知》），该通知将于 10 月生效。 在业绩交流会中，谈及助贷新规对公司未来在国内业务的影响，信也科技 CFO 徐佳圆表示："新规 的出台意味着助贷业务监管框架的完善和规范。我们还注意到，文件最终版本相对草案来说较为温 和，规定更注重定性方面，而非定量。" "新规要求银行对合作互联网平台实行名单制管理，并规范了融资成本相关内容，要求明确费用标准 并纳入合同，这有助于提升业务透明度和规范性， ...