Earnings Call Summary | LexinFintech(LX.US) Q1 2024 Earnings Conference
Earnings Call Summary | LexinFintech(LX.US) Q1 2024 Earnings Conference
The following is a summary of the LexinFintech Holdings Ltd. (LX) Q1 2024 Earnings Call Transcript:
以下是樂信金融科技控股有限公司（LX）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
LexinFintech reported total loan origination of RMB 58 billion, and a loan balance standing at RMB 121.5 billion for Q1 2024, representing a year-on-year growth of 13.5%.
Total revenue for the company reached RMB 3.2 billion, marking a year-on-year growth of 8.7%.
A net profit of RMB 202 million was reported by the company.
The company achieved a historically low funding cost in Q1 2024, with a decrease of 34 basis points compared to the previous quarter.
LexinFintech invested RMB 130 million in research and development.
樂信金融科技報告稱，2024年第一季度的貸款發放總額爲580億元人民幣，貸款餘額爲1215億元人民幣，同比增長13.5％。
該公司的總收入達到人民幣32億元，同比增長8.7％。
該公司報告的淨利潤爲人民幣2.02億元。
該公司在2024年第一季度實現了歷史最低的融資成本，與上一季度相比下降了34個點子。
樂信金融科技投資了1.3億元人民幣用於研發。
Business Progress:
業務進展：
LexinFintech has implemented measures to maintain asset quality such as improving intelligent cost routing strategy and introducing a robust strategy.
The company promoted low-interest loan products for high-quality consumers and small business owners, resulting in increased user activity levels and improved risk performance indicators.
LexinFintech achieved double-digit growth in total loan origination volume in the Mexico market.
Partnerships were established with several national-level financial institutions, boosting funding in the quarter.
Expansion into Southeast Asia and the South American regions was carried out.
A transition to diverse product models for overseas business is being planned by optimizing marketing, product integration, and risk management.
The overall risk performance for loans issued to new customers has improved and is expected to further improve in the second half of the year.
LexinFintech已採取措施維持資產質量，例如改進智能成本路由策略和引入強有力的策略。
該公司爲高質量的消費者和小企業主推廣低息貸款產品，從而提高了用戶活動水平並改善了風險績效指標。
LexinFintech在墨西哥市場的總貸款發放量實現了兩位數的增長。
與幾家國家級金融機構建立了合作伙伴關係，增加了本季度的資金。
已向東南亞和南美地區擴張。
通過優化營銷、產品整合和風險管理，正在計劃向海外業務的多元化產品模式過渡。
向新客戶發放的貸款的整體風險表現有所改善，預計將在下半年進一步改善。
More details: LexinFintech IR
更多詳情： LexinFintech I
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更多詳情，請訪問投資者關係網站。本文僅供投資者參考，不構成任何投資建議。
譯文內容由第三人軟體翻譯。