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Remain profitable amid challenging environment Income breakdown (RMB mn) Adjusted OPEX breakdown(1) (RMB mn) %:as percentage of total loan origination volume Adjusted net profit (2) (RMB mn) 3,458 3,119 16% 5% 3.1% 4.5% 3.2% 3.3% 3.7% 3.2% 1,679 1,513 6% 805 5% 17% 44% 50% 18% 2% 1,880 2% 18% 1,578 1,582 1,537 900 5% 12% 5% 814 779 6% 699 5% 14% 408 6% 44% 36% 52% 57% 15% 2% 5% 2% 20% 331 75% 20% 2% 75% 2% 40% 45% 78% 78% 72% 52% 51% 30% 38% 73% 2021H1 2021H2 2022H1 2022H2 2021 Other Income 2022 2021H1 2021H2 2022H1 2022H2 2021 2022 ■Research and Development ■General and Administrative Sales and Marketing ■Loan Facilitation Service Fees ■Net Interest Type Income Notes: ■Origination and Servicing (1) Adjusted operating expenses are calculated by excluding share-based compensation expenses from operating expenses. (2) Adjusted net profit is defined as net profit excluding share-based compensation expenses. CREDIT 维信金科 206 1,213 537 2021H1 2021H2 2022H1 2022H2 2021 2022 9

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