Investor Presentaiton

Market positioning and opportunities Participants Banks Sufficient • Mega-sized cash digital platforms Participants • Consumer finance Super-prime CREDIT 维信金科 ↑ Expected China's Well served online consumer credit will grow to RMB9.2 trillion in 2026(1) Rising consumption expenditure and increasing Prime company willingness to use . Bank(small- With to-mid size) CCRC Under- served by credit for • Digital credit banks platforms history Near-Prime consumption are expected to drive the growth of consumer credit in China Note: CREDITⓇ 维信金科 (1) Source: iResearch Inc. 10 10

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