Investor Presentaiton

Large and addressable consumer finance market China's consumer loan balance(1) Penetration rate of consumer credit (1)(2)(3) (RMB tn) CAGR : 7.9% 24.9 22.9 23.4 20.5 19.0 17.0 2021A 2022E 2023E 2024E 2025E 2026E China's online consumer credit market(1) (RMB tn) 11.2% CREDIT 维信金科 35.2% 36.4% 36.7% 29.8% 31.0% 2014A 2021A 2026E ■ China ■ USA In 2021, consumer loan balance in China reached to RMB17.0tn, while it reached to USD4.43tn (1) in USA Online consumer credit | digital financial platform in 2021 (RMB tn) Ant Financial, Lufax, JDT CAGR : 9.6% Internet traffic platforms 2.8 2021 Proportion 9.2 8.5 RMB 3.2 tn 87% 7.8 7.1 6.5 5.8 2021A 2022E 2023E 2024E 2025E 2026E Notes: Independent internet platforms 0.4 (1) Source: iResearch Inc., updated on April 2022; Wind, updated on August 2022 (2) Penetration rate of consumer credit in China = Consumer loan balance in China / Total Retail Sales of Consumer Goods in China (3) Penetration rate of consumer credit in USA = Consumer loan balance in USA / The scale of Personal Consumption Expenditure in USA 360, FinVolution Lexin, Vcredit 6

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