Core Viewpoint - Company demonstrates significant growth in performance and strategic focus on AI, Web3, and overseas markets during the earnings presentation [1][2][3] Financial Performance - The company reported a non-GAAP net profit of 216 million yuan, representing a year-on-year increase of 49.45% [2] - The overall gross margin reached 34.79%, an increase of 1.05 percentage points year-on-year [2] - Revenue from banking IT products and solutions was 1.202 billion yuan, with a gross margin of 33.69%, up 2.77 percentage points year-on-year [2] - Revenue from non-banking IT products and solutions was 149 million yuan, a year-on-year growth of 28.18%, with a gross margin of 34.54% [2] - Revenue from innovative operations was 61.4 million yuan, reflecting a year-on-year increase of 17.74% [2] - Overseas revenue for the first half of the year was 16.4 million yuan, a significant increase of 121.25% year-on-year [2] Business Segmentation - State-owned commercial banks, joint-stock banks, and policy banks contributed 45.54% of total revenue [2] - Small and medium-sized banks and rural credit cooperatives contributed 36.23% [2] - Non-banking financial institutions, foreign banks, and other financial clients contributed 18.23% [2] R&D Focus - The company increased R&D investment to 155 million yuan, accounting for 10.99% of total revenue [3] - In the AI sector, the company aims to become an AI-driven growth enterprise, with products and solutions already implemented across various banking clients [3] - The company is also focusing on Web3 technologies, with successful projects in both domestic digital RMB and overseas digital fiat currencies [3] - Plans for an H-share issuance and listing on the Hong Kong Stock Exchange are set for the first half of 2025, targeting Southeast Asia, Central Asia, the Middle East, and Europe [3] Digital Currency Strategy - The company began its digital currency strategy in 2024, focusing on stablecoins as a key area for research and development [4] - Significant progress has been made in building a digital currency system for an overseas bank and collaborating with research institutions [4] - The company aims to integrate traditional finance with digital currency systems, addressing pain points for banks [4] Market Engagement - During the Q&A session, the company addressed market concerns regarding the application of smart contracts in digital currency projects and the positioning of different banks in this field [5] - The company highlighted the substantial potential for traditional finance and digital currency integration, with expectations for rapid growth in overseas business over the next two to three years [5]

格隆汇8月29日丨宇信科技(300674.SZ)公布2025年半年度报告，上半年公司实现营业收入14.15亿元，综 合毛利率达到34.79%，同比增加1.05个百分点；归属于上市公司股东的净利润2.20亿元，同比增长 35.26%；归属于上市公司股东的扣除非经常性损益的净利润2.16亿元，同比增长49.45%；基本每股收益 0.32元。公司持续投入海外业务发展，上半年海外营业收入实现1,635.54万元，同比大幅提升121.25%。 分收入类别来看，公司银行IT产品与解决方案收入12.02亿元，占比84.94%，毛利率达到33.69%，同比 增加2.77个百分点；公司持续将金融行业积累的产品能力外溢，拓宽服务对象的范围，非银IT产品与解 决方案收入1.49亿元，同比增长28.18%，占比10.56%，毛利率达到34.54%；加大创新运营业务投入力 度，创新运营业务收入6,139.94万元，同比增长17.74%，占业务比重4.34%。 ...

宇信科技成立于1999年，主营业务包括银行IT解决方案、非银IT解决方案和创新运营业务，目前从传统 银行IT技术服务企业向"AI驱动的金融科技公司"演进转型。据IDC发布的《中国银行业IT解决方案市场 份额，2024》报告，宇信科技位列第二。宇信科技、华为、腾讯云、阿里云、蚂蚁等科技企业日前一同 入选中国信通院评定发布的《AI Agent智能体产业图谱》。 来源：北京日报客户端 在商业场景中，"知识"（Know-How）通常指行业内的核心技术和运营经验，例如金融领域的财务分析 方法、供应链管理策略等。在这方面，宇信科技通过提前研判市场发展方向，结合客户自有大模型应用 效果及未来AI方面延展需求，初步形成了自身的AI+技术布局战略。 "三年之内，我们计划在给客户提 供的技术服务里都带有AI能力，AI能力会成为宇信科技未来的核心竞争力。"张宁表示，与常规金融科 技AI+主要体现在算法、算力等硬性能力方面不同，宇信科技的AI+能力主要体现为"知识"（Know- How）这样的软实力方面。 由于金融科技具备行业自有的特殊性，大量的AI+开发技术都面临定制化的挑战，其中银行客户已经部 署的各类系统及AI大模型，也给智能 ...

Financial Performance - The company achieved a net profit attributable to shareholders of 58.15 million yuan in Q1 2025, representing a year-on-year increase of 81.1% [3] - The non-recurring net profit attributable to shareholders was 55.32 million yuan, up 77.0% year-on-year [3] - The gross profit margin reached 27.8%, an increase of 1.4 percentage points compared to the previous year [3] - The net profit margin was 11.0%, reflecting a year-on-year increase of 5.7 percentage points [3] Client Composition - Large banks contribute approximately 50% of the main business revenue, with state-owned commercial banks, joint-stock banks, and policy banks being the primary contributors [3] - Small and medium-sized banks and rural credit cooperatives account for about 30% of revenue [3] - Revenue from overseas banks grew by 241% year-on-year, reaching 27.53 million yuan [3] Product and Solution Revenue - Revenue from banking IT products and solutions accounted for over 80% of total revenue, with a gross margin exceeding 26%, up 3.5 percentage points year-on-year [3] - Non-banking IT products and solutions contributed approximately 15% of revenue, with a year-on-year growth of 135% [3] - The innovative operations business began generating revenue from overseas digital banking clients, with a gross margin close to 80% [3] Cross-Border Payment Capabilities - The company is involved in three main areas of cross-border payment: infrastructure, institutional level, and e-commerce [4] - It has experience and technical capabilities in serving key financial infrastructures supervised by the People's Bank of China [4] - The company is actively following developments in CIPS and mBridge [4] AI Business Developments - The company focuses on applying AI to enhance client business capabilities, particularly in the banking sector [7] - AI products have been successfully implemented in several city commercial banks, utilizing a SaaS subscription model [8] - The company is responding to the needs of various banks and non-bank clients, facilitating POC testing and case implementations [7] Overseas Business Expansion - The company successfully expanded its overseas business into Southeast Asia and secured a client in Europe [9] - There is a significant demand for upgrading traditional IT architectures among overseas banks, providing opportunities for the company [9] - The company employs a dual strategy of upgrading existing systems and connecting with emerging financial needs in mobile internet ecosystems [10]