Investor Presentaiton

Massive and fast-growing opportunity Underserved consumer finance demand Domestic China -Consumer credit-to-GDP at 13% vs 20% in US(1) -46% of adult population have credit records vs 81% in US(2) Consumer credit balance--- China vs US RMB in trillions International expansion -Large population of 700mm in SE Asia, of which 60% are under 35 -35% smartphone penetration Online consumer credit penetration % in SE Asia (3) 19.90% 18.40% 26.8 28.1 29.3 25.5 21.6 23.2 23.9 13.30% 13.2 China(2019): 21% 12.1 9.6 5.40% 3.2 5.9 3.9 4.8 2013 Sources: 2014 2015 2016 2017 2018 I consumer credit in China consumer credit in China/GDP% consumer credit in US 2019 consumer credit in US/GDP% (1)Wind, National Statistics, PBOC, World Bank, Federal Reserve. (2)US: Consumer Financial Protection Bureau, May 2015; China: PBOC Credit Reference Center, 2017; FinVolution estimates. (3)including online cash loan and consumption loan 35% 31% 27% 1% 1% Indonesia Philippines ■ 2019 ■ 2025E 1% Vietnam 7

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