Loan Origination and Borrowers - Total loan origination volume was RMB4.5 billion (US$626.8 million) in Q2 2023, a 45.2% increase from RMB3.1 billion in Q2 2022[1] - Total number of active borrowers reached 25,657 in Q2 2023, up 18.5% from 21,649 in Q2 2022[1] - Total loan origination volume for the first half of 2023 was RMB8.0 billion (US$1.1 billion), a 42.9% increase from RMB5.6 billion in the same period of 2022[3] Financial Performance - Net income increased by 142.0% to RMB43.8 million (US$6.0 million) in Q2 2023 from RMB18.1 million in Q2 2022[2] - Basic earnings per ADS were RMB0.64 (US$0.09) in Q2 2023, compared to RMB0.27 in Q2 2022[2] - Net income increased by 52.1% to RMB93.1 million (US$12.8 million) in the first half of 2023, compared to RMB61.2 million in the same period of 2022[26] - Basic earnings per ADS and diluted earnings per ADS were RMB1.36 (US$0.19) and RMB1.22 (US$0.17), respectively, in the first half of 2023, compared to RMB0.89 and RMB0.80 in the same period of 2022[26] Income and Expenses - Total interest and fees income for the first half of 2023 was RMB884.5 million (US$122.0 million), a 6.9% increase from RMB827.1 million in the same period of 2022[3] - Total operating expenses increased by 4.6% to RMB179.0 million (US$24.7 million) in the first half of 2023 from RMB171.2 million in the same period of 2022[24] - Employee compensation and benefits increased by 3.7% to RMB95.0 million (US$13.1 million) in the first half of 2023 from RMB91.6 million in the same period of 2022[24] - Other expenses increased by 13.7% to RMB59.8 million (US$8.2 million) in the first half of 2023 from RMB52.6 million in the same period of 2022[26] Credit Losses and Risk Management - Provision for credit losses decreased by 25.7% to RMB50.8 million (US$7.0 million) in Q2 2023 from RMB68.4 million in Q2 2022, reflecting improved credit risk control[11] - Provision for credit losses increased by 136.1% to RMB129.6 million (US$17.9 million) in the first half of 2023 from RMB54.9 million in the same period of 2022[22] - The delinquency ratio for loans decreased from 18.3% as of December 31, 2022, to 15.2% as of June 30, 2023[27] - The NPL ratio for loans increased from 1.1% as of December 31, 2022, to 1.4% as of June 30, 2023[28] Cash and Equity - Cash and cash equivalents and restricted cash amounted to RMB1.9 billion (US$0.3 billion) as of June 30, 2023, compared to RMB1.8 billion as of December 31, 2022[27] - Total liabilities and shareholders' equity stood at RMB 14,481,920 thousand as of June 30, 2023, compared to RMB 14,474,698 thousand at the end of 2022[41] Share Repurchase and Other Financial Metrics - The company repurchased approximately US$14.8 million worth of its ADSs under the share repurchase program as of June 30, 2023[30] - Total interest and fees income increased from RMB 409,832 thousand in Q2 2022 to RMB 431,325 thousand in Q2 2023, representing a growth of 5.3%[44] - Net income rose significantly from RMB 18,115 thousand in Q2 2022 to RMB 43,780 thousand in Q2 2023, marking an increase of 141.5%[44] - Earnings per ADS increased from 0.27 in Q2 2022 to 0.64 in Q2 2023, reflecting a growth of 137%[44] - Total operating expenses increased from RMB 91,381 thousand in Q2 2022 to RMB 98,702 thousand in Q2 2023, an increase of 8.4%[44] - Net interest and fees income after collaboration cost and provision for credit losses improved from RMB 78,254 thousand in Q2 2022 to RMB 144,830 thousand in Q2 2023, a growth of 85%[44] - Total comprehensive income attributable to ordinary shareholders increased from RMB 29,222 thousand in Q2 2022 to RMB 52,664 thousand in Q2 2023, a rise of 80%[44] - The company reported a net loss on sales of loans of RMB 3,293 thousand in Q2 2023, a slight decrease from RMB 3,440 thousand in Q2 2022[44] - Interest expenses on interest-bearing borrowings decreased from RMB 187,304 thousand in Q2 2022 to RMB 181,687 thousand in Q2 2023, a reduction of 3.4%[44] - The provision for credit losses decreased from RMB 68,416 thousand in Q2 2022 to RMB 50,820 thousand in Q2 2023, a decline of 25.8%[44] Strategic Goals - The company aims to achieve 'high-quality development' by expanding its business and managing overall risk while designing new products and investing in technology[6]

CNFinance Holdings Ltd (NYSE:CNF) Q1 2023 Earnings Conference Call May 26, 2023 8:00 AM ET Company Participants Matthew Lou - Investor Relations Manager Jun Qian - Director and Vice president Jing Li - Acting Chief Financial Officer Conference Call Participants William Gregozeski - Greenridge Global Operator Hello and welcome to the CNFinance First Quarter of 2023 Unaudited Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, th ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 American depositary shares, each ADS representing 20 ordinary shares, par value US$0.0001 per share CNF The New York Stock Exchange FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2023 Commission file number: 001-38726 CNFinance Holdings Limited (Exact Name of Registrant as Specified in Its Charter) 44/F, Tower G, No. 16 Zhujiang Dong Road Tianhe District, Guangzhou City, Guangdong Province 510620 People's Republic of China +86-20-62316688 (Address of Principal Executive Offices) Indic ...

CNFinance Holdings Ltd (NYSE:CNF) Q4 2022 Earnings Conference Call March 22, 2023 8:00 AM ET Company Participants Qian Jun - VP & Director Jing Li - Acting CFO, Assistant President and Head of Department, Finance & Internal Control Conference Call Participants William Gregozeski - Greenridge Global Operator Good day, and welcome to the CNFinance Fourth Quarter and Fiscal Year 2022 Unaudited Financial Results Conference Call. [Operator Instructions]. I would now like to turn the conference over to Ms. [indis ...

CNFinance Holdings Limited (NYSE:CNF) Q3 2022 Earnings Conference Call November 22, 2022 8:00 AM ET Company Participants Matthew Lou - IR Jun Qian - VP Jing Li - Acting CFO Conference Call Participants William Gregozeski - Greenridge Global Operator Good day, and welcome to the CNFinance’s Third Quarter of 2022 Unaudited Financial Results Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operat ...

Start Time: 08:00 January 1, 0000 8:41 AM ET CNFinance Holdings Limited (NYSE:CNF) Q1 2022 Earnings Conference Call May 26, 2022, 08:00 AM ET Company Participants Bin Zhai - Chairman and CEO Jun Qian - VP Jing Li - Acting CFO Jane Jenn - IR Conference Call Participants William Gregozeski - Greenridge Global Operator Hello, and welcome to the CNFinance Announces First Quarter 2022 Unaudited Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions]. After today's ...