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Investor Presentaiton

Migration towards higher quality customers Cumulative borrowers (1) (mn) Loan volume by customer type CREDIT 维信金科 18.8% 8.3 , 8.3 2% 4% 3% 2% 3% 2% 7.3 20% 7.0 7.0 28% 30% 6.6 35% 33% 34% 78% 70% 67% 62% 63% 64% 2021H1 2021H2 2022H1 2022H2¦ 2021 2022 2021H1 2021H2 2022H1 2022H2 2021 2022 ■ Prime ■Near-prime ■Testing group We saw steady growth in the number of our borrowers Note: (1) Represent the total number of customers who made at least one transaction at the end of each period We continued to improve overall quality of our borrowers 12

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