Investor Presentaiton

Strong balance sheet Leverage ratio(1) 7.0 06.00 Pre-CECL Post-CECL(3) 56.00 4.5x 4.6x 4.3x 4.0 3.0 20 1.0 3.7x 3.3x 3.7x 3.2x 2.8x 2.8x Short-term liquidity(2) RMB in millions 3,351 2,418 2,182 2,439 2,417 3,382 3,386 5,098 4,603 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 (1) Leverage ratio = Risk-bearing outstanding loan balance / net assets (2) Short-term liquidity= Cash and cash equivalents + short-term investments. For illustrative purpose only. (3) Effective January 1, 2020, FinVolution Group adopted the ASC 326, Measurement of Credit Losses on Financial Instruments or "CECL", using a modified retrospective method. Source: Company data 19

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