Investor Presentaiton

2022 Annual results overview (cont'd) CREDIT 维信金科 RMB mn 2022 2021 Change 2022H2 2021H2 Change Total income 3,119 3,458 -9.8% 1,537 1,578 -2.6% Net interest type income 1,393 1,380 0.9% 578 820 -29.4% Loan facilitation service fees 1,564 1,540 1.6% 872 567 53.9% Other income 162 538 -69.9% 87 191 -55.0% Operating profit 695 1,514 -54.1% 265 505 -47.6% Adjusted operating profit(1) 700 1,547 -54.7% 266 511 -47.9% Net profit 532 1,179 -54.8% 205 402 -49.1% Adjusted net profit(1) 537 1,213 -55.7% 206 408 -49.5% Key Ratios Adjusted net profit / loan volume 1.0% 3.0% -2.0 0.7% 2.2% -1.5 Risk-bearing outstanding loan balance / 5.5x 4.3x 1.2x 5.5x 4.3x 1.2x shareholders' equity(2) Adjusted net profit / average shareholders' 14.9% 42.7% -27.8 5.5% 12.6% -7.1 equity(3) Note: (1) Adjusted operating profit and Adjusted net profit are defined as profit excluding share-based compensation expenses of RMB5 mn in 2022 and RMB33 mn in 2021 (2022H2: RMB1 mn, 2021H2: RMB6 mn). (2) Risk-bearing outstanding loan balance / shareholders' equity is calculated by dividing the risk-bearing outstanding loan balance at the end of the year/period, by shareholders' equity. (3) Adjusted net profit / average shareholders' equity is calculated by dividing adjusted net profit, by average of annual/semi-annual balance of shareholders' equity. 19

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